vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year> XXXX XXXX made an inaccurate report to my consumer credit report, which resulted in my score decreasing. I have not missed any payments or made any late payments as of XX/XX/year>. I called several times to get clarity on my account status and have been unsuccessful with this. I have also tried to submit a dispute directly with XXXX XXXX but the company has refused to allow me to do so. Since XX/XX/year>, I have spoken to several agents within several different departments and was given different information regarding my account status every time. I have asked to speak with several managers and can not seem to get through to anyone. I also received an email from XXXX asking me to make my payment for XXXX by XX/XX/year> to avoid negative credit reporting, which the payment was made by XX/XX/year> and posted on XX/XX/year>. XXXX is still insisting that they did not receive my payment for XXXX, despite my account reflecting that they did. 
XXXX needs to fix my credit report immediately or this will result in further legal action against XXXX 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 non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I chatted online with the company to ask to close this account. They said they couldnt verify me and I would need to call. I called and suddenly they could verify me, but they said they would need to have someone get back with me through email or phone in order to close my account. That was a week ago. I havent heard from anyone through email or by phone about closing my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XXXX XXXX XXXX I applied for a PNC business credit card in response to a mailed solicitation. My application was denied on vague, unspecified grounds, with a PNC representative claiming there was derogatory credit information from XXXX without elaboration. This violates Equal Credit Opportunity Act ( ECOA ) requirements in 12 CFR 1002.6 ( b ) ( 1 ) mandating creditors clearly detail reasons for adverse action on a credit application. 
I promptly rescinded the credit agreement and security interest tied to the application since PNC could not justify the denial. However, PNC then refused to open a reasonable investigation into issues raised about violations of the Securities Act of XXXX and other consumer protection laws related to the credit solicitation. PNC failed to provide a written report on an internal investigation as formally requested. 
Specifically, I allege PNC violated the following in relation to the credit solicitation and application : 1. Sections 5 and 12 ( a ) ( 1 ) of the Securities Act of XXXX  regarding sale of an unregistered security 2. Sections 17 ( a ) ( 2 ) - ( 3 ) of the Securities Act of XXXX regarding obtaining money through false statements 3. ECOA provisions in 12 CFR 202 requiring specific reasons for credit denial 4. Unfair, deceptive practices under the Federal Trade Commission Act I formally demanded PNC implement improved policies and procedures to ensure legal compliance. However, PNC refused substantive discussion of these issues when raised. Continued disregard for consumer rights necessitates external intervention through action by the CFPB. I look forward to your contacting PNC Bank to open a formal investigation into the above issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am refiling this complaint to NATIONSTAR/MR COOPER for allowing inaccurate information to reflect on my account to my credit reports and for no corrective actions taken on this inaccuracies. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have received and read your response on my complaint, but this account is now being handled by the XXXX XXXX XXXX. With that being said, I am not liable for any payment on this account or to any double payment,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Still lying about still working on the issue AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not have access to my Experian Online Account as well as can't get my XXXX XXXX XXXX I contacted Experian several times and sent all my identification documents to them on the XXXX XXXX XXXX  by fax. 
Today, on XX/XX/year> I contacted Experian and seeking help to get access to my account but all support team members after hearing my issue just hung up the phone. 

I am attaching all my identification documents to this complaint and asking Experian to open access to my Experian Account. 
See also attached the letter I sent to Experian on XXXX XXXX XXXX by fax.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not have access to my Experian Online Account as well as can't get my XXXX XXXX XXXX  I contacted Experian several times and sent all my identification documents to them on the XXXX XXXX XXXX by fax. 
Today, on XX/XX/scrub>XXXX  I contacted Experian and seeking help to get access to my account but all support team members after hearing my issue just hung up the phone. 

I am attaching all my identification documents to this complaint and asking Experian to open access to my Experian Account. 
See also attached the letter I sent to Experian on XXXX XXXX XXXX by fax.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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.

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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby requested. I request that you present my original WET ink Signature Promissory Note and original WET ink Deed of Trust for visual inspection for authentication and verification.

This is not an overboard request. Banks are known for forging signatures and that's why I need originals for verification.

A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I was selling tables on XXXX XXXX. Then someone came up who wanted to buy a table and made a transaction. XXXX told me to do so because I wanted to transfer money using an app. I asked him to check XXXX 's mail with a call that I sent XXXX dollars. I checked the mail and it said that my account was not a business account and I had to upgrade it. So the other party said that I would send XXXX dollars to me, so if I refund it to myself again, the account would be upgraded. When I searched XXXX, I saw that it was the authentication method that was actually being used by XXXX and proceeded with the transaction. However, even after that, when I received an email asking me to pay an additional XXXX dollars in usage fee, I felt strange and couldn't send the money right away. At first, the other party said it was a legitimate procedure, but suddenly I left the chat room. That's how I lost XXXX dollars. When the sun rose, I went to Chase Bank, explained the situation, and asked for help, but they said I had to wait until a fraudster used the bank account. They said they wouldn't get paid after a month. The number of victims is increasing, but it's not wise to deal with it. There were a lot of people who suffered the same damage as me, and none of them got their money back. The bank should contact them with their information and come up with various solutions such as withdrawing the money or canceling the remittance. Scammers should not be allowed to make money and avoid good people. Especially, I am an XXXX  who has been in the U.S. for only 7 months. This problem will undermine the credibility of the U.S. and cause XXXX  to have a bad perception of the U.S. I am working as a XXXX in XXXX. I will write down the news that this happened on my social media and make it public.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I opened a Bank of America Travel Rewards credit card in advance of my trip from the XXXX to XXXX XXXX. Before leaving, I double checked what I needed to do to inform BOA of my upcoming trip, and they said I was " good to go '' since they have done away with travel alerts. After a few purchases, my card was shut off for fraud. I called, spent hours on hold, finally verified the transactions, and reactivated my card. Immediately upon making another purchase, my card was shut off again. This time, after hours on hold, I was told the only way to verify my identity is to go to a physical BOA location. I asked them how I can do that while I'm XXXX XXXX and they said, " that's a really good question. '' Now I am stuck in a foreign country trying to survive on what little cash I took out when I landed.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Upon thorough review of my report, I have identified several discrepancies and inaccuracies that I believe are adversely affecting my creditworthiness. 

I recognize the importance of maintaining an accurate credit history and am fully committed to rectifying any errors. Therefore, I kindly request your assistance in investigating these discrepancies and, if found to be inaccurate, promptly removing them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting 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: MS

Complaint narrative:
Upon thorough review of my report, I have identified several discrepancies and inaccuracies that I believe are adversely affecting my creditworthiness. 

I recognize the importance of maintaining an accurate credit history and am fully committed to rectifying any errors. Therefore, I kindly request your assistance in investigating these discrepancies and, if found to be inaccurate, promptly removing them 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 explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Applied for Citi simplicity cars on XX/XX/year> and received the card a week later. Before any application was pushed through I asked the representative if credit could be reallocated from my accounts to my new account and they said it could. Once the card was activated I was told that was not the case and XXXX out of luck. I wouldnt have opened the card if this was the case.

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 2024-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Chrysler Capital XXXX XXXX XXXX XXXX XXXX, TX XXXX Attn : Billing Re : Billing Error Dispute XXXX This letter is to serve Chrysler Capital an official notice of dispute for the amount of {$15000.00}. The owner of the above-referenced account, as defined by 12 CFR, 1002.2, is a federally protected consumer.I Am aware that there have been credits issued to my person but have not been properly reflected, issued, or disclosed to me through permissible means. To resolve this dispute, Iam demanding you provide me with FULL ORIGINAL, and/or UNALTERED documentation that specifies credits, tax liabilities, discharge of debt, bonds, and or securities as they are applicable to this account. Please be advised, pursuant 12 CFR 1026.13, this constitutes as they are applicable to this account. UCC 3-306, UCC 3-603 , UCC 3-602, UCC 3-104, UCC 3-311 You may find those UCC codes XXXX XXXX XXXX Having that knowledge, I would like to remind you that 12 CFR 1026.13 ( e ) ( 1 ) reads Correct the billing error and credit the consumers account with any disputed amount and related finance or other charges, as applicable. I am invoking my specified remedy of having a payment of {$15000.00} refunded to me with an official check payable to XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL Downpayment : {$15000.00} Monthly donations to date : {$880.00} The initial communication was sent on XXXX Per Chrysler Capitals request for account information, follow-up information was provided on XX/XX/ and again on XXXX XXXX XXXX To date, Chyrsler Capital still has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
I have unauthorized inquires on my Transunion consumer report. I have contacted the creditors to get these fraudulent inquires removed but have had no success. These inquires are fraudulent and I need them removed from my report. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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.

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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I made a payment on XX/XX/year>, under the assumption my available credit will become available once the payment posted or at the most in a XXXX hrs. period. Now they have the funds on hold until XX/XX/year> ( 11 days ). I had my internet and cell phone bills on a pre-arranged payment plan and because of this hold I was unable to keep my promise as they decline my internet payment. I have never not honored my payments to them. I did have to cancel XXXX payments in the past because I had paid them w/ another card and I simply did not have enough funds to cover both payments. I need to have the available credit become available now. The funds have been taken out of my checking account and if you look at my payment record I honored e/one of them. My internet is about to be disconnected if I dont pay by the end of this week. I work from home and need my internet to be able to provide to my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hello, my name is and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I filed previous CFPB complaint XXXX. That complaint was closed with NO REAL REPLY FROM BOFA and certainly not within an acceptable time frame. 
Instead, I received correspondence directly from them indicating they were having trouble finding my account file. 
Then, purportedly after they finally found the account file, they replied directly indicating they had fixed the problem. 
THAT WAS AND REMAINS A LIE! Not only did they NOT FIX the problem, they insured that incorrect address was propagated with EVERY OTHER CREDIT BUREAU in the business. 
The real reason they could not find my account file is because they have resurrected an old illegal scheme they got caught in which turned XXXX a HUGE CLASS ACTION suit against them which they lost! That suit against them was regarding account sequencing which they have also done to my account. When they do account secquencing not only are normal account filing practices NOT followed but since they can not find the account, they insure NO REGULATOR CAN! This way if they ever prevail in collecting the account they do not report that additional income. 
CFPB NEEDS TO THOROUGHLY INVESTIGATE THIS ADDITIONAL CLAIM AS WELL AS FORCE THEM TO REMOVE THE KNOWN IMPROPER ADDRESS THEY HAVE INSERTED INTO MY ACCOUNT WITH ALL KNOWN CREDIT BUREAUS! 
This constitutes an ongoing form of illegal harrassment. I continually receive phone calls from people wanting to purchase the property in XXXX, OK that I DO NOT OWN AND NEVER HAVE!

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