vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
PLEASE DO NOT MARK AS DUPLICATE. A PHONE REPRESENTATIVE OF CFPB EVEN TOLD ME TO RESUBMIT. THIS IS A SEPARATE ISSUE. 

To Whom it May Concern : I am writing to address the resolution of two closed complaints, numbered XXXX and XXXX. I do not consider this matter to be resolved and request that Chase Auto Finance correct the negative reports to my credit score.

Firstly, I allege that Chase has breached the contract between us by refusing to disburse the full payment owed to me. Despite multiple attempts to communicate with the company, they have repeatedly failed to pay me and have only made empty promises to credit my account. 

Secondly, I contest Chase 's claim that I have a contractual obligation to furnish the original title. As stated on the Oklahoma title, it is possible for a lienholder to be recorded in the state 's systems even if they are not listed on the title. I had no influence on what was printed on the title and was fully cooperative in adding Chase as a lienholder. It was not until months after Chase 's refusal to disburse the loan that we became aware of a potential mistake with the title. 

Furthermore, I take issue with the negative remarks on my credit score regarding missed payments. It has been years since Chase representatives promised to post a credit to my account, and in the final months of the loan, the credit owed to me exceeded the amount I owed on the loan. Without any prior communication, I received a check in the mail from Chase, instead of the promised credit. As a result, Chase falsely reported late payments to credit bureaus. It is worth noting that Chase 's disbursement was approximately five years late, yet they have the audacity to claim that my payments were late. 

Based on the above, I stand by my allegations of fraud. It seems that Chase had no intention of disbursing the loan as promised until I filed complaints with the appropriate agencies. 

I request that Chase make immediate corrections to any credit reporting services that may have been notified of late payments and correct the negative reports on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
I have tried to contact the debt collector to ask questions the number is not in service, I have tried checking the account online and it says I dont have an account with them. I have never had power through XXXX XXXX. From the research I did online XXXXXXXX XXXX  is known for scams and the recently filed for bankruptcy. I was very shocked to see this collection on my report. I have tried to dispute the charge with XXXX  and XXXX XXXX XXXXm waiting back to hear about that. However, this is definitely a fraudulent abd I want it off my account. 
The account was opened on XX/XX/2022, amount : {$150.00}, Trident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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 — Was not notified of investigation status or results
Company: AES/PHEAA
State: FL

Complaint narrative:
FedLoan Servicing has failed to remove off the XXXX Credit report. XXXX has failed to properly investigate this dispute and failed to remove FedLoan Servicing from the credit report. XXXX an XXXX have both removed FedLoan Servicig off the credit report and FedLoan Servicing has also verified removal from XXXX and XXXX. XXXX is not investigating this dispute and both XXXX and FedLoan Servicing are still reporting to XXXX without any verifiable proof they should still be on the report. All accounts from FedLoan Servicing shall be removed off the account since XXXX out of XXXX bureaus have already properly and correctly done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: FL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/XXXX I mistakenly transferred {$10000.00} from my non Wells Fargo checking account to my Wells Fargo credit card account. I began calling asking for the funds to be transferred back into my checking account. Each call resulted in a different outcome. I have been told on several different occasions the money would be transferred and given a date when it would happen. To date the money still sits as a positive balance in the credit card account. The last call made ended up getting handed off to someone in a different area of the company and was told it would take 30 days for the money to be returned. They take 30 seconds to accept the money,. 30 days to return it.

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 2023-01-13 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: OH

Complaint narrative:
I have an account reporting on my credit file that is not mine. I have disputed the account with XXXX XXXX and EQUIFAX. Please investigate and remove the items. Both XXXX XXXX and EQUIFAX are violating : FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 the information is inaccurate. 

Under pandemic, and natural disasters they failed to provide relief or subsidy payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My family and I were affected by XXXX XXXX and XXXX during the months of XXXX and XXXX in XXXX. I called bank of America on XX/XX/2022 and Spoke to XXXX to explain my situation and hardships with payments due to the hurricane and he advised me that the late fees would be removed from my credit card account and no late payments would be reported to the credit bureaus. My credit report has a late payment for the month of XXXX. I tried to dispute this with Bank of America multiple times and they will not remove this from my credit reports. Even with the difficulties we endured during this natural disaster I still made payments on my account in XXXX and XXXX. I have been banking with Bank of America for almost 10 years with my oldest credit card account of 6 years and not a single late payment with them.

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 monetary relief
Consumer complaint received 2023-01-13 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: CA

Complaint narrative:
Notice to Experian to cease and desist from reporting XXXX on my consumer report because it was done without my consent. This is a violation of my privacy and identity theft. 

In 15 U.S. Code 6801 - Protection of nonpublic personal information, according to the US XXXX : It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

As provided under 15 U.S. Code 6802 every consumer has the right to privacy. And they should be given the option to opt out of disclosures. I have notified XXXX to cease and desist from furnishing nonpublic personal information to all XXXX Failure to delete this item is a violation of my consumer rights laws. This is a secondary notice to Experian to delete this item immediately from my consumer report. Failure to do this is a violation of my consumer right.

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 2023-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Back on XX/XX/XXXX, I redeemed my GM rewards points of XXXX, which will be XXXX towards my GM lease payment. I was told their GM rewards department it will take up to XXXX business days to be applied. Also, I recv a confirmation email showing proof of this redemption. So, after 7 days, I called Gm Rewards dept on XX/XX/XXXX to see why the amt of XXXX has not been applied to my GM lease? Instead of explaining what's going on, I was cold transferred to the GM leasing dept/division. At that time, on XX/XX/XXXX, gm leasing dept said they don't see it and to call the rewards dept back, I did, only for them to make more sense. The rewards department can at least prove they attempted to redeem my points by sending me the email with an authorization #, but GM financial kept passing the buck. So, about XXXX weeks later, XX/XX/XXXX, I call gm financial and demand something is done, its not adding up or good business. So, GM Finance finally submitted an IT ticket to see what happened. I waited another week, so on XX/XX/XXXX, I call gm financial @ XXXX and spoke to customer service. I was told after XXXX being told to call rewards. Not until I insisted the rep check my notes in my acct, did she then say the wrong ticket was submitted, so she submitted another ticket to find out or trace the transaction. Still no answers or credit. Now, on XX/XX/XXXX, I was told to submit an email with proof of redemption. Now, on XX/XX/XXXX, told still working on it, no time given. So, today XX/XX/XXXX, I chatted on line with gm financial and was told they stopped the redemption to lease pmt process, but they are still looking. I asked can they just give the points back. Gm Financial said " when they track it down ''. Not Fair or Acceptable. Please help me either find a way to get these two dept honor their program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13 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: CA

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NEW IMAGITAS, INC
State: NC

Complaint narrative:
I'm not sure if this is the correct complaint section to list this under but I will do my best to explain. I closed a mortgage through one of Bankrates providers and they promised a XXXX reward card when I closed a loan with them. I uploaded the required documents ( Closing Disclosure ) and they confirmed it would be up to 60 days to " review. '' Well, I uploaded those documents after I closed on XX/XX/28 and have attempted to contact them several times since but receive no reply email or phone calls and it appears they are hoping I move on and don't take action on what they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AL

Complaint narrative:
My mortgage was with XXXXXXXX XXXX and I was on the covid relief program when Rushmore mortgage took over my loan and did not tell me that they did not put me on the covid relief program and now they have gone back not only to the first date that XXXXXXXX XXXX put me on the program but also when they got the loan. They also have not given me any time to try and get a forbearance or anything of that nature and they have pursued foreclosure instead of pursuing contacting me so that I can stay in my home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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 name is XXXX XXXX. My XXXXXXXX XXXX loan ID is XXXX. 

Since XX/XX/XXXX I have been having ongoing issues with my XXXXXXXX XXXX account. After a few months of going back and forth, we finally came to the conclusion that an escrow analysis was not done since our loan modification and I was overpaying for my mortgage each month from XX/XX/XXXX to XX/XX/XXXX. 

After multiple agents told me not to pay the full amount of the mortgage due ( {$1500.00} ) and just to pay the previous amount ( {$1200.00} ), XXXXXXXX XXXX reported me to the credit bureau, against the advice given. I was advised in XX/XX/XXXX by XXXX agents that XXXXXXXX XXXX would contact the bureau to correct this because of the discrepancy in my mortgage and the going back and forth to try to figure out the correct payment. 

On XX/XX/XXXX I spoke to XXXX agents at XXXXXXXX XXXX XXXX and XXXX who both advised that I send proof of this negatively impacting my credit score to the email address XXXX and they would fix it. I did this and never heard anything back. 

On XX/XX/XXXX I paid a lump sum of {$4300.00} even though I was advised AGAIN to wait until the escrow analysis is complete to ensure that I do not continue to overpay ; however, I did not do that to be sure that it does not also negatively impact my credit score. 

Here is an outline of the calls and agents I spoke with, if you can PLEASE pull the calls and listen to the multiple agents advising me to not pay the full payments due : XX/XX/XXXX -- Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} XX/XX/XXXX -- Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} XX/XX/XXXX - Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} ( this is the month I was reported to the credit bureau after multiple agents told us to make this payment and DID NOT advise that what I was doing would negatively impact my credit, at this point I was unaware that what I was doing was not best practice and I should have never been advised to make partial payments ) XX/XX/XXXX - Rep XXXX Payment made {$1500.00} XX/XX/XXXX lump sum payment made of {$4300.00} I truly appreciate any and all help you can give me regarding the credit bureau and getting that removed from my credit report. My next step is to receive legal counsel and have a lawyer request the calls to review them if no one can help me after a year of my credit being torn down. At this point, my wife and I are trying to move as our family is expanding and due to my credit being significantly impacted, we are unable to do anything. 

Sincerely, 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 2023-01-13 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: PA

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-01-13 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:
Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Creditor Classification Medical/Health Care Original amount owed {$300.00} Original creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX Agency XXXX XXXX XXXX XXXX Status date XX/XX/XXXX starting XXXX XXXX, XXXX, all medical debt less than {$500.00} will not appear on credit reports from the three major bureaus. The bureaus made these decisions after a review of medical debt revealed that, for most people, the debt was a result of a one-time or emergency event.XXXX XXXX XXXX I disputed this due to the fact that all three credit reporting agencies announced medical debt under XXXX beginning in XX/XX/XXXX will not be reported to the credit bureau and I was denied removal of the account from my Equifax credit report.

Company response to consumer: Closed with explanation