vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
So basically, I went to Bank of America to see what was going on with my account they told me that Bank of America closed my account the people online that deal with that. So I called and I didnt get any heads up about my account being closed. I just got this account last month. They told me it was due to suspicious activity and that I needed to be verified so I got verified and now they are telling me they cant do much. I had just made a new password last night for my Bank of America account because I felt like something was off on my app. Im so very confused and upset, because I got this job and Im new and I get paid the XXXX and idk how Im gon na be able to access my account. I need it, its nonsense that my account got closed for no reason, especially without any warning

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 2023-08-10 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: FL

Complaint narrative:
I am writing to dispute the accuracy of an account reported on my consumer credit report ( XXXX XXXX account number XXXX ), as governed by the provisions of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. The purpose of this communication is to request an investigation into the matter and the immediate removal of the disputed information. 

The account in question involves a " charge off '' that has been categorized as income by the Internal Revenue Service ( IRS ). It has come to my attention that income is not meant to be reported on a consumer credit report, as it does not comply with the FCRA 's guidelines regarding accurate and fair reporting. According to the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of consumer information, and any inaccurate or misleading information must be promptly corrected or removed.

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 2023-08-16 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: IL

Complaint narrative:
REMOVE ALL ID THEFT VICTIMS : ALL NOT MINE : FCRA VIOLATIONS : SEE BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-10 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: NY

Complaint narrative:
From XXXX XXXX social security is XXXX their are two negative items that are charged off that's XXXX and the other charged off has balancesof XXXX my complaint those items supposed to be removed from my experian credit report in 24 hours I have a federal trade commission identity theft report on file experian did a good job in removing the other negative items and all 4 hard inquiries

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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2023, I wrote a personal check for {$1300.00} made payable to XXXX as payment on my credit card account. I mailed said check via USPS, along with the payment coupon, in the enveloped furnished by XXXX. On or about XX/XX/2023, the {$1300.00} was debited from my account, but it was not applied to my XXXX credit card account. 

Upon investigation, I discovered that JP Morgan Chase had somehow intercepted and deposited my {$1300.00}. I DO NOT NOW, NOR HAVE I EVER HAD AN ACCOUNT WITH JP MORGAN CHASE. 

I contacted XXXX, but they refuse to assist claiming they are unable to contact another bank. I filed a report with my local police department ( XXXX XXXX, Ohio ), but they are doing nothing to assist in the recovery of my {$1300.00} from JP Morgan Chase. I attempted to contact JP Morgan Chase, but they refuse to talk to me because again, I DO NOT NOW, NOR HAVE I EVER HAD AN ACCOUNT WITH JP MORGAN CHASE. 

My XXXX XXXX, XXXX XXXX XXXX ' ( XXXX  ) has been in contact and according to them, JP Morgan Chase has supposedly/allegedly started a claim ( Ref # : XXXX ), but they appear to be in no hurry to return my funds and has told the representative from XXXX  not to contact them for 45-days. 

THIS IS UNACCEPTABLE. I am a Veteran and Retired Federal employee. I have limited financial resources, and I am currently out {$2600.00} ( the XXXX bill still had to be paid ). This is a significant hardship. I do not understand how JP Morgan chase came in possession of my check because it was not mailed to them, nor was it made payable to them. As far as I am concerned, JP Morgan Chase has engaged in fraud and theft. 

How can the deposit funds not payable to them? This is fraud and theft, and they appear to be in no hurry to refund my {$1300.00}. This is a significant financial hardship and if my funds are not recovered soon, it will affect me negatively. Again, I'm retired and have limited income. 

Any assistance you are able to provide is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: CAINE & WEINER COMPANY, INC.
State: KS

Complaint narrative:
I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I purchased a XXXX XXXXXXXX from US AUTO, they went out of business, sold the loan to another company that doesnt honor the warranty or anything and want me to continue to pay for everything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: NJ

Complaint narrative:
On XX/XX/XXXX, I made a request to investigate / correct two credit entry in my credit report the transaction is XXXX. 
The equifax company finish the investigation late night in two hours, and I downloaded the report which contain identical information, with no indication of an investigation, just automated message saying it is completed. Need to know the findings, so I know the information in my credit report is accurate as stipulated by my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: GA

Complaint narrative:
I have been file complaints and disputes to these to be resolved and Im been get the run around with these creditors.. as a consumer my rights has been being violated it hinder me from building my credit this not an credit fair act. I finally was able to get some relief when I got an alert for things I had a hard time removing and was took from XXXX and now I would the removed from experian because also contacted experian the same inquiry to remove

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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I paid {$30.00} on to XXXX XXXX  credit card. Approx XXXX or XXXX XXXX. I saw reversal return to my Chase account. XXXX of {$30.00}. I never told Chase not to pay this. I called XXXX XXXX, they said Chase revoked my payment. My funds were more than sufficient to pay this bill. XXXX then charged me a {$30.00} added fee for payment returned, and added {$9.00} late fee. Chase refused to acknowledge they made a mistake. Chase is responsible to refund me my {$30.00} extra fee. I paid the {$27.00} AND {$30.00} FEE TO XXXX XXXX. On XX/XX/2023. Chase owes me the return fee of {$30.00}. I have spent 2 days, on phone to numerous Chase departments. No help whatsoever. I have filed several complaints to claims AND customer service. Again, no help or resolution or return phone calls, which I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I received a letter dated from resurgent capital services dated XX/XX/2023 in regards to an alleged debt from XXXX XXXX XXXX  in the amount of $ XXXX letter stated that resurgent capital services was collecting the debt and LVNV Funding was the current owner. I sent a certified letter on XXXX XXXX requesting that the account be validated. I have not received any account validation whatsoever. Upon checking a copy of my credit report it shows that LVNV Funding is reported as a collection. This is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Collection in my credit report from XXXX amount of {$650.00}. I am a victim of identity theft, someone else used my info at XXXXXXXX XXXX I was not even in the country. Police will not care the amount to low and old. Please help

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 2023-08-11 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: NE

Complaint narrative:
I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear Sir/ Maam To whom it may concern, I have a few late payments to my Loan # : XXXX which is now current and up-to-date payments immediately executed. On XX/XX/XXXX my wife XXXX  unexpectedly. 
Her XXXX  was and still is a severe setback for me in many ways. She was the finance specialist of the household and I did not handle bill payments for almost XXXX decades. 
Her XXXX  unfortunately deeply affected my bill-paying capabilities. Not financially, but just learning the strategy of paying.

Our mortgage was set up with an institution that closed or inactivated our account upon notice of my wifes XXXX.

The majority of our bills like this one are on auto-pay. By inactivating the account ( un unknown to me ) while the funds were in the account the mortgage payments were not processed. 
As soon as I was notified ; the problem was corrected and I have set up autopay once again now with XXXX. I have also written Experian, XXXX, and XXXX to rectify the credit issue. 


Thank you in advance for your assistance to resolve my situation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  MD. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Acct # 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 2023-08-14 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: TN

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-10 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: FL

Complaint narrative:
I am writing to dispute the accuracy of an account reported on my consumer credit report ( XXXX XXXX account number XXXX ), as governed by the provisions of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. The purpose of this communication is to request an investigation into the matter and the immediate removal of the disputed information.

The account in question involves a " charge off '' that has been categorized as income by the Internal Revenue Service ( IRS ). It has come to my attention that income is not meant to be reported on a consumer credit report, as it does not comply with the FCRA 's guidelines regarding accurate and fair reporting. According to the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of consumer information, and any inaccurate or misleading information must be promptly corrected or removed.

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 2023-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
In XXXX and XXXX of XX/XX/XXXX XXXX auto loans was open in my name without my consent. I filed police report and FTC REPORT ( see exhibits attached ). I WAS ABLE TO REMOVE OFF MY XXXX AND XXXX, BUT I HAVE NOT BE ABLE TO REMOVE OFF XXXX. BOTH COMPANIES ARE LOCATED IN TEXAS, EXETER XXXX AND XXXX. ALTHOUGH, COMPANY NAMING EXETER FINANCE LLC. I HAVE SPOKEN WITH THEM ON SEVERAL OCCASIONS SENT, IN POLICE REPORT, FTC REPORT, PROOF OF IDENTITY AND A VALID CLAIM OF IDENTITY THEFT, NOW THIS XXXX A ... COMPANY STATED THEY HAVE DONE AN INVESTIGATION AND DETERMINED THAT THE ACCOUNT IS VALID, XXXX AS WELL HAS STATED THE SAME THING. NOW WITH MULTIPLE INVESTIGATION DONE HOW DOES THIS ACCOUNT BELONGS TO ME. SO I SENT A LETTER DATED XX/XX/XXXX REQUESTING PROOF OF HOW THE INVESTIGATION WAS DONE AS IDENTITY SECTION 603-15 U S.C 1681a ( e ) or page 3 of the short title. Guess what no XXXX reply back so I file this claim seeking damages for violating this act because I'm not going back and forth with that company and it's XXXX XXXXXXXX employees yes that right I said it so here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: NJ

Complaint narrative:
My solar company ruined my credit rating by stating that I had late payments. I have every statement from them which states You are currently enrolled in autopay and this invoice is for your information only. I disputed this with experian but was told that The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Despite the fact I sent a photo of the invoice in question.

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 2023-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I had my furnace replaced by XXXX. Set up the loan with them. It was supposed to be a 5.99 % fixed simple interest loan. Never did I receive any loan documents. This happened XX/XX/XXXX. 
Got a bill from a company called Greensky on XX/XX/XXXX. It was bill for the furnace and the interest rate was 9.99 % with a promotional period. 
I immediately called XXXX and told them that was not what I have agreed to. And where are the loan docs. They told me that it was not their problem. 
So now, Greensky is charging me fees like, we reviewed your loan, {$120.00}. I have accrued interest charges of {$690.00} after the interest that I have been paying, {$560.00}. I have no idea of what these charges are. Never have I received loan docs. Plus I have to pay back my credit limit not the amount I borrowed. 
I have called Greensky, but they are no help. 
Since they reviewed my loan, now my payments increased. I only had this loan for XXXX  months. HELP

Company response to consumer: Closed with explanation