vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Upon lease expiration, I received funds deposited to purchase the vehicle in full. The bank froze my bank account and put my vehicle out for repossession despite being current on payments. I was approved for financing to purchase the vehicle through 2 different entities and the bank refused to provide payoff details to these entities in order to finalize the purchase. These actions came following my report of suspected fraud to the Securities Exchange Commission and other agencies. I believe the bank 's actions to be retaliatory in nature, given the inclusion of details surrounding a pump and dump scheme with my previous employer ( now XXXX XXXX ), which is also one of the bank 's largest clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: V and H Portfolio
State: TX

Complaint narrative:
Vance & Huffman is not correcting errors on my credit report. There are so many inaccuracies that I have been disputing and they do not removed them. Isn't this a violation of the FCRA? I have a letter from them stating they are aware of the disputes. Also, I need validation of debt, a signed copy of a contract stating I owe them the alleged debt pursuant to 15 USD 1692g Sec. 809 ( b ) of the FDCPA.

It seems this company is already is violation and account should be deleted. All documents they've sent and copies of dispute letters and complaints are getting sent to my attorney. 
Thank you in advance for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent letters to Experian was on XX/XX/XXXX, XXXX and l Haven't received any response from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. These are the Summary of the Negative accounts reporting on my Credit Report. 

XXXX XXXX XXXX {$17000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I notified Experian of reporting my XXXX XXXX account as late when it is in fact not late. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave Experian or XXXX XXXX written insructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. Experian has caused me severe stress and has also caused me to get denied for credit due to abusive and unfair practices. I demanded Experian to report the account as paid or paid as agreed and they have failed to do so and responded by saying the information was " verified ''. Experian is in fact violating my consumer rights as they never got my written consent to furnish my report on my behalf, and transactions between a consumer and a person is not supposed to be included onto consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I made a payment who turned out to be a scammer through XXXX. Chase bank is usually great about money recovery but they said they couldnt help me. I contacted XXXX and they said it was up to my back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
In early XXXX of XXXX I refinanced my auto loan with Ally financial with a new lender for a better rate resulting in a lower monthly payment. My new lender sent Ally the payoff check via XXXX overnight on XX/XX/XXXX. Ally received the check on XX/XX/XXXX. I confirmed this by the XXXX  tracking link provided to me by my new lender. I contacted Ally on XX/XX/XXXX to let them know they had the check in hand and to ask them to update and close my account. They told me they arent seeing the check was received yet and advised me to call back in XXXX hours. I told them I was concerned with them reporting a late on my credit and they advised they only report lates after XXXX days. I contacted Ally every day after XX/XX/XXXX to inquire about the status of my account, each time I was told the check wasnt received, even after I sent them the XXXX  tracking link and the receipt showing proof of delivery. Each time I was told their paper check processing system was down and to try back in XXXX hours. I contacted them everyday and when asked I provided them the check date, check number and amount. Even then I got no resolution. My lender provided me a copy of the cancelled payoff check which I sent to Ally MULTIPLE times to prove the payoff check was processed but my account wasnt updated and closed. Ally reported a XXXX day late on my credit on XX/XX/XXXX, well over XXXX weeks after they processed the payoff check from my new lender. I have disputed this with the credit bureaus and filed a complaint with the XXXX. I still have yet to hear from Ally after a customer relations specialists reached out to me and asked that I email all documentation directly to her. I did that on XX/XX/XXXX and still have yet to hear back from her. I received a letter in the mail yesterday from Ally stating that if my account was not brought current by XX/XX/XXXX, they were exercising their right to terminate our contract and repossess my vehicle. I have reached out to Ally every day via, email, chat, phone call and they have been unresponsive and offer no help on getting this issue resolved. I have never had a late payment at all during the time vehicle was financed with Ally. This is wrong and unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
Fair Collections & Outsourcing of New England, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Account # XXXX In accordance to the Fair Credit Reporting Act Fair Collections & Outsourcing of New England, Inc Account # XXXX has violated my rights.. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have had a Venmo account since XXXX. I tried to make a payment from Venmo with my connected XXXX bank account in XX/XX/XXXX and received a message that there were insufficient funds in my account ( balance of XXXX account was > {$60000.00} for a {$40.00} Venmo payment ). I was unable to make any payments. After a payment was sent to me on XX/XX/XXXX for {$170.00}, I was able to make a few payments using this balance. After XX/XX/XXXX, I received the below message from Venmo freezing my account and preventing me from making any payments : " Account on hold Could not complete this transaction because your account is frozen. Please see the following help article for instructions on how to unfreeze your account : https : XXXX ''. 

I have read the article ( unhelpful and irrelevant ). I have tried to transfer the Venmo balance of {$35.00} to my linked bank account without results. I have tried contacting Venmo through their application several times and receive canned, unresponsive replies that have not resolved the issue. 

I would like to obtain my final balance and close this account forever. Digital wallets and payment platforms like Venmo should be subject to the same regulation and scrutiny as traditional financial institutions. Without this oversight, they are able to freely defraud customers and keep unearned funds. Paypal is using their subsidiary, Venmo to avoid being regulated. 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: CO

Complaint narrative:
First thing, Im a XXXX year old XXXX  that doesnt have a credit card or any debts, so I have know clue why they call me, they are very rude and basically tell you to XXXX off if you tell them to stop contacting you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
I recently noticed that my XXXX credit score decreased due to outstanding loan balance for a debt owed to XXXX XXXX XXXX in XXXX, TX in the amount of {$550.00}. The incorrect address associated with this debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX- which appears to be the address of an apartment owned by XXXX XXXX XXXX XXXX in XXXX, TX. The debt is owned by the debt collection agency Transworld Systems , Inc. THIS DEBT IS NOT MINE. I have never lived in XXXX, TX ( in fact I have never set foot in the state of Texas ). I do not know how my name got associated with this debt or how it got into my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Sent Letter Notification & Disputes in XX/XX/2022 and XX/XX/2022 to Experian. Experian is reporting ( 2 ) Alleged Debt Collection amounts {$7100.00} and {$920.00} from the same Alleged Debt Collector " XXXX XXXX XXXX '' : These accounts are inaccurate & fraudulent as I have never signed any contract to do business w/ XXXX XXXX XXXX or signed any permission for their company to have my private information ; Congress has stated under federally protected law that I have a right to privacy. Since XXXX XXXX XXXX fraudulently obtained by private information, Experian is also participating in this fraud by reporting my private information ; This is a form of Identity Theft. 
I obtained my XXXX Credit Report from www.experian.com stating I have ( 0 ) Collections which factually provides proof of inaccurate information since it is coming from their own website Experian has not provide my their company 's Method of Verification and requested investigative consumer report as detailed in 15 USC 1681a ( e ) I have requested Experian to Block this Alleged Debt Collector Information per 15 US Code 1681c2 I have provided Experian noticed they may be civilly liable for negligent noncompliance per 15 US Code 1681o SEE ATTACHED Letters that have been mailed and received via Certified Mail to Experian and their Registered Agent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the FCRA, the credit bureaus never did a proper investigation. 

In accordance with the Fair Credit Reporting act, my rights have violate by the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the FCRA, the credit bureaus never did a proper investigation. 

In accordance with the Fair Credit Reporting act, my rights have violate by the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed something with the credit agency, after 30 days they have not validated the debt, which is in violation of U.S Code 1692 ( g ) ( k ). 

I would like this deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: IL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX  XXXXT ( Original Creditor : XXXX XXXX OF XXXX XXXX ) Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent letters to Equifax was on XX/XX/XXXX, XXXX and l Haven't received any response from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. These are the Summary of the Negative accounts reporting on my Credit Report XXXX XXXXL XXXX Balance {$73000.00} XXXX XXXXL XXXX Balance {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX ( XX/XX/2019 ) ( XX/XX/2019 ) XXXX, XXXX has violated my rights 15 U.S.C1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Company Name : XXXX XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA Date Opened : XX/XX/XXXX This information is inaccurate because : This account has incorrect information, this is a prepaid company. This is not a real credit card, this needs to be removed. The balance is incorrect on this account, Its way to high. This is false information being reported, I would like this removed from my credit history. 


File Number : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear, Transunion Consumer Solutions XXXX XXXX : XXXX XXXXXXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX This information is inaccurate because : This needs to be removed this is Inaccurate information and payment history. I have paid this account off, this should not be on my credit report. I would like this to be deleted. I did Not open this account in XXXX. Incorrect information, someone used my name in connection with fraud opening this account. I would like this deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent Equifax a letter to remove two items on my report XXXX XXXX  Account Number XXXX and XXXX XXXX XXXX  Self Account Number XXXX. They sent a letter back stating that the account were " verified '' I then asked for the Method of Verification and to provide me with the 1. Name of the original creditor, 2. The creditors address and phone number, 3. The persons name they verified the dispute with and 4. The documentation used to verify the dispute. I also asked Equifax to please provide a contract between them and I where they have my written instructions to furnish a consumer report on my behalf. Equifax has failed to send me the following information that I requested and has failed to remove both accounts. Equifax is violating my consumer rights according to the FCRA as a consumer report can only be furnished with the written instructions of the consumer and also transactions between a consumer and person is not supposed to be included on my consumer report. I never gave Equifax permission to furnish anything on my report on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc.
State: RI

Complaint narrative:
On XX/XX/2022 I received instacash in the amount of {$100.00} in my roar money account. I then attempted to utilize money lion 's turbo transfer option to send those funds to my debit card which had been previously connected to my account. I initially received an error message, but attempted the transfer a second time and got confirmation via the app that it was successful. The funds were debited from my roar money account and the transfer is supposed to take place within minutes. It has not. The funds were never credited to my other debit card account, they are not in my roar money account and Money Lion still shows me as owing them the money even though I never had use of the funds. I tried seeking resolution that same day via support chat and over the phone but to no avail. I have yet to be contacted with any updated status and the funds have yet to show up anywhere. I never had use of the funds and therefore, do not owe this money. I either need to receive the funds or have the instacash loan written off as a result of their failure to send the funds properly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX. In 2021 I opened a checking account with TD bank and I was told If I opened an account and have of deposit of {$2400.00} and have my salary be deposited via direct deposit the bank would give me {$300.00}. In addition if I recommend friends to open an account and if they do I would get $ XXXX {$100.00}. Three of my friends opened an account. Sadly, TD bank didnt keep their promises and never gave me what they promised. I spoke to the banker and manager there, but no one helped me. I would appreciate if the CFPB can help me get what I was promised. Thank you.

Company response to consumer: Closed with monetary relief