vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX XXXX XXXX for the company " Southwest Airlines '' ( XXXX ) Person ( s ) continue calling me, informing they are a 'debt collection agency ' from Southwest Airlines . They ask me to verify who I am ( address, date of birth, social security ) which I do not give or confirm except I give them the last digit of my address. I inform them nothing is owed to Southwest. I also asked them to send me an invoice, IF they already have my address. Which I do not confirm. They said they can not until after I give them my personal information. Which I will not. They continue to call and call and call, at least 2-5 times a week.

I called Southwest Customer Service XXXX to report this, spoke with a representative named ( XXXX XXXX ' ) who listened and then directed me to report this to : 'report fraud.ftc.gov '. She also informed me that If there was an amount owing, Southwest would have sent something by mail. Which they have not. I wanted Southwest to know and to see if they had a fraud department so I could give them the phone number of the frauds/ scammers/ extortionist,,, etc.. They did not at the time. She was kind.

My personal history with Southwest. 
1. I haven't traveled with them for over 4 years. All debts paid in full at the time of flying.

2. I haven't taken out any credit card with them.

3. I have NOT received any billing/ invoices/ notices/ statements from Southwest at all.

Let 's hope this blesses others from these scammers!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-07-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the fair Credit Reporting act XXXXt Account, XXXX XXXX Bank account number ending in # XXXX, XXXX XXXX account number starting XXXX and XXXX XXXX XXXX account number starting with ending in # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2022-07-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : DOE XXXX acct no. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively, has violated my rights. 15 USC 1681 section 602 A states : I have the right to privacy. 15 USC 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish an account without without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : DOE XXXX acct no. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively, has violated my rights. 15 USC 1681 section 602 A states : I have the right to privacy. 15 USC 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish an account without 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 2022-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain responsible procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. the following information, therefore, needs to be re-invested. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. I have attached the FTC identity theft report including all inaccurate information. Failing that, the item must be deleted from the report as soon as possible, As the item is inaccurate and incomplete. please delete this misleading information, Thank you!

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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My report 's list of information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: TN

Complaint narrative:
Good Afternoon We have a problem with an appraiser that you use that will be reported to the state and federal government for low balling and redlining our communities On XXXX XXXX the appraisal for XXXX XXXX, XXXX, Tn XXXX she low balled the house {$25000.00}. 
On the second appraisal XX/XX/XXXX XXXX XXXX, XXXX, Tn which is a larger and more updated home she low balled the house {$35000.00}. 
Do we want investors buying all the houses and renting them to consumers or are we going to help veterans become homeowners? 
XXXX XXXX was built in XXXX and the rehab was very extensive New plumbing, new electrical rewiring, new roof, added central air/heating, new hot water tank, 2 new bathrm updates with cabinets, fixtures, and flooring, new kitchen with cabinets, fixtures, and flooring. 
In XXXX walls were built with plaster and all the walls and ceilings were replaced with sheetrock, new fixtures, and doors. 
The medium home price in this country is {$400000.00} and in our city it is around {$270000.00}, but to appraise a newly renovated XXXX bedroom/ XXXX bath brick home with over XXXX sqft for {$110000.00}, {$35000.00} less that the veteran offered is not fair to ask the veteran to come up with an additional {$35000.00} to buy

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 2022-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
According to XXXX XXXX XXXX XXXX  {$530.00} for a XXXX  test back in XXXX that I was forced to pay in cash because they did not except card or insurance cards at the time for XXXX. As of XXXX XXXX I apparently owe a debt of that amount to them and believe the act is fraudulent.

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 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: IA

Complaint narrative:
On XX/XX/XXXX I received a wire from a business transaction in the amount of {$25000.00}. Navy federal placed the wire on hold and requested I verify my personal information. After all information was successfully verified Navy federal stated that a check had been mailed out. After months and months of calling and being told ( on various recorded lines ) that my check was mailed ; finally I talk with a representative that stated the check had never been mailed and that I would have to hire a lawyer to get my money back. On XXXX XXXX a demand letter was sent to Navy federal requesting the immediate return of all funds. Navy federal then agreed to return the funds on XX/XX/XXXX. As of today the bank has not released my money and refuses to now answer any emails or calls from my lawyer. Navy federal Credit union is now unlawful holding my money and refusing to return it. This has caused great financial and XXXX damage to my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have received a statement of {$69.00} with a late fee. I have call make a payment of {$36.00} which I was told to do. Then received another statement later with 2 late fee. Call in talk to the supervisor pay off the balance and closed the account. Now received a statement with a late fee again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXt XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXXt account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It 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 2022-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This collection just popped up on my credit. First I was NEVER informed of it and I have an active policy with XXXX XXXX. I do NOT owe them any collection amount. This is inaccurate, false and needs to be removed off of my credit file please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
As the plaintiff this impacted my businesses due to this slanderous information and during the worst Pandemic ( Covid-19 ) in human history. One such example is my intention to purchase a Home and other business matters. I was Denied and Rejected due to the Erroneous information on my consumer report. Similarly, this factor has affected me in everyday business and personal reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I, XXXX XXXX XXXX, sent a payment in the amount of {$11000.00} to JP Morgan Chase Auto Finance on XX/XX/2022. As of today XX/XX/2022, this check has not been processed by Chase Auto Finance. The account number in question is XXXX. In the interim period Chase hase been accruing interest against my outstanding balance. The check amount, when sent, should have paid off this loan. I believe that Chase maybe slow processing payments to accrue more interest charges. A reasonable time period to receive and process this check, should be about 5 business days. The amount of wasted time by Chase is far beyond the norm. I want this payment applied, within the reasonable time frame I mentioned, and any finance charges to be based on that reasonable time frame. This is my good faith effort to pay this loan off. Due to Chase 's delay in processing this payment I had to make a payment to stay current with my loan on XX/XX/XXXX. Chase will now have a negative balance showing owed by me, when the pay off check is processed. Because of this forced over payment, Chase should immediately send the over payment amount, plus interest to me. This over payment, by me, is due to the inefficient processing of my pay off check by Chase Auto Finance. The pay off check had not cleared as of be this morning on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: AL

Complaint narrative:
I have disputed and called to remove this accounts that I had no knowledge of and that are still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have applied XXXX Credit card with Chase, and based on what was listed in their promo, I could get 140,000 points after I spend {$3000.00} within 3 months. They had a calculator within their mobile app to tell me how much I need spend more to get my points, and I used that number showed on it as reference. Once I saw I met the requirement, I stopped using the card. I didn't notice I didn't get the point until recently, and when I called Chase, they told me I didn't spend {$3000.00}, because there was a late fee, which didn't count as the consumption expense. 

I made my point with them clearly, I used their calculator as reference, and stop using the card when it showed me I spend {$3000.00} already, and now they told me I didn't meet the requirement. Their calculator didn't give the right calculation lead me lose the point, this is not my fault, it's unfair. I request them to provide the backend logic used for the calculator, and they promised me to send it to me, it has been 2 weeks since last call, I hear nothing. 

I want to say, their calculator mislead consumer, which directly lead me lose my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

REGIONAL ACCEPTANCE ; Account Number : XXXX Bal : {$15000.00} XXXX XXXX ; Account Number : XXXX Bal : {$990.00}

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 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I had a joint account with pentagon credit union with my wife in 2018 we divorced, sold our home, and paid all of our credit cards off I wanted to close the account out but pentagon assured me i could just be removed from the account. we talked and i asked for an email with evidence of it to make sure. 
i was sent an email the day of my removal with a balance showing i did talk to them, i also was removed from most parts of it but they missed one thing. 
later on i noticed it on my credit report, i called many times, they said they couldnt find any link of it so i submitted for it to be removed from XXXX twice but they Pentagon then would say i am part of it. 
my ex died recently and then i get a call from pentagon saying im on the hook for it, I have called many times since and keep running into issues. 
the second before the last time i called, a lady finally found me linked to the account but her supervisor told me tough luck even though i explained the chain of events. 
the last time i called they wouldnt talk to me till i submitted my id cause they couldnt verify my date of birth when i called. 
this is stressful and i feel powerless to do anything outside of spending a ton of money to prove this isnt fair so my credit score isnt killed completely cause they are dinging me for late payments since her death.

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 2022-07-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Act # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A 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