vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a Bank of America, XXXX XXXX XXXX XXXX Visa in XXXX. I used this CC until XXXX. At that point I closed my business as well as the CC. In XXXX of XXXX, I received a collections call from the company. They stated that my annual fee was charged and unpaid. I explained that I had closed the CC and asked that the fee be waived and that the account marked closed. I explained that I had not used my CC for a year and that I was no longer at my old office address. I updated my address at that time over the telephone and confirmed with the representative that the account would be closed and the annual fee was waived. 

In XXXX of XXXX, I was purchasing a home. My mortgage company found that Bank of America was reporting a past due amount of {$90.00} and that I was unable to finalize the mortgage until I paid this amount. 

I called Bank of America and asked them how it was possible that I had a balance when this account was closed. I also asked them why I did not receive any billing statements. The rep told me that no one closed the account in XXXX and that the bills we sent to my old office address. 

I explained that I moved in XXXX, that I closed the card and that I updated my address in XXXX and again in XXXX. I was told that the fees would be refunded and that the account was already closed due to delinquency. I was further told by the rep that they were unable to process the refund for over 72 hours. As my bank needed the all clear documents that day. I paid the fee and sent proof to my mortgage company. 

Currently, there is a balance of XXXX on the credit card. I also found out that Bank of America is reporting that I am past 90 days delinquent on the account to the credit score agencies. 

I have called three times to ask for a refund check and that the delinquency be removed from my Credit Report. Bank of America tells me that a manager will call me back and I have never received a call back. 

They are illegibly holding my money and refusing to correct my 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 monetary relief
Consumer complaint received 2020-11-03 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:
I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to 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 explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase has not credited me {$390.00} for a refund from XXXX on XX/XX/2020. The refund was sent to a closed credit card. Chase said they would send me a check. No check arrived. Chase said they purged the credit card ( meaning they deleted all information, including the refund ). Chase said they will not credit me {$390.00} now. I have the refund receipt from XXXX still.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: The LGM Co., Inc.
State: OH

Complaint narrative:
LGM financial had previously charged my account without authorization on XX/XX/XXXX. The loan payment is late, however, they are contacting my references for payment. The payment has been mailed in. Both myself and my references are being harassed by this company. The lack of respect this company has is out of control. They are intrusive and completely disrespectful.

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 2020-11-03 00:00:00
Product: Checking or savings account — Savings 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I just opened an account with TD Bank. I use a check to open it and signed up for three or four accounts. The check cleared and I use the TD Bank app to sign up for more accounts. The bank stopped my atm card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
i recently obtain a copy of my credit report and noticed and account i did not authorize. Credit collection services continue to violate my rights via fair debt collection practices act, i have enclosed a copy of my ftc report. This is my cease and desist letter. ALL communication with this company should stop .im am the original consumer ; also i have included and highlighted a list of violation each violation is XXXX. This exhibit along with my affidavit of truth will be mailed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: AZ

Complaint narrative:
SunWest, a.k.a. XXXX, has made repetitive, unnecessary demands that I confirm my request for paper documents over the past twenty-seven days thus unduly delaying the processing of my loan and the loan closing. Beginning on XX/XX/2020, I made written requests for paper copies of loan documents. The loan officer confirmed on XX/XX/2020 that he would mail paper documents to me and confirmed the address to which they would be mailed. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020, I repeated my clear written requests to the loan officer 's supervisor. On XX/XX/XXXX, the loan officer 's supervisor emailed me requesting another confirmation that I wanted to be provided with paper documents, stating that he was " very familiar with all the laws and rules from the CFPB and other authorities that regulate our industry. '' The repeated requirements for confirmation of my request for paper documents is beleaguering and dilatory and is unduly delaying the loan closing. I requested a closing date by email from the loan officer 's supervisor on XX/XX/2020 and he did not reply. Interest rates have recently begun rising, and my loan is locked in only through XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I checked my credit reports and I found items that do not belong to me. I requested proof of the account and did not receive a response from the credit bureaus. I also asked for a change of address and that was not done. I also did not receive notice 5 days prior to these accounts being placed on my credit report. According to the FTC and TCRA, I am supposed to receive a notification and I have not received a notification.

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 2020-11-03 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: NC

Complaint narrative:
I checked my credit reports and I found items that do not belong to me. I requested proof of the account and did not receive a response from the credit bureaus. I also asked for a change of address and that was not done. I also did not receive notice 5 days prior to these accounts being placed on my credit report. According to the FTC and TCRA, I am supposed to receive a notification and I have not received a notification.

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 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
Chase reported ( 1 ) one fraudulent charge on my card and asked to review three months of statement to pick out and charge that where not made by myself ( or other family members ).

Going back I found over {$5000.00} of charges for that period ranging from just a few dollars to $ XXXX {$500.00} at several grocery stores in the area. 
I notified our local authorities regarding all purchases made locally, however because of the area within our State of other purchases the number of jurisdictions spans over 15 local and State Police departments. 
Chase is unwilling to produce any information or relevant documentation about their investigations. They ask I take up the responsibility to investigate ALL fraud with the store ( s ) via local authorities and to forward any information to them when it becomes available. 
I feel helpless not understanding what ( if anything ) they found and their unwillingness to participate in the investigation. They have complete control over this issue and I'm being ignored when making any further attempt to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have a bank account with Chase and a fraudulent check for {$600.00} went through my account on XXXX. The signature on the fraudulent check does not match in any way to mine, and Chase just let this check go through. I have downloaded a copy of the fraudulent check for my records and can submit it to CFPB if need be. I have tried to reach Chase in XXXX of XX/XX/XXXXand they have asked me to walk into their branch. And they have also closed my account without asking or informing me. I have been out of the Us for two years, and now that I am back in the US I went in and have submitted a complaint with a Chase bank on XXXX, and have not heard back from them since then. 
I have called Chase banks customer claims department on XXXX to ask for a status and they have asked me to go their physical bank location. I did go to their physical bank location and have been instructed to call their customer claims department. So I feel like they are sending me in circles. 
It raises an alarm that a big bank like Chase would let checks that have unmatched signatures pass through their system. Customers should feel unsafe banking with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: NC

Complaint narrative:
I have asked the credit bureaus to remove these accounts that do not belong to me. I have asked for documents to show that these accounts belong to me and I have not received them. I was not notified 5 days prior to these accounts being placed on my credit report. According to the FCRA and FTC, I am supposed to receive a letter about these accounts and I have not received any notifications about the accounts listed below XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: FL

Complaint narrative:
I have repeatedly told Monarch Recovery Management that the debt that they are trying to collect was from my old business. The debt was from a XXXX business loan. I have been tirelessly going back and forth between Monarch and the original bank, XXXX, and neither are of any help. XXXX sent me the statements in questions and they all have my name and my company 's name on them. I did not personally guarantee the loan and have since dissolved the company. The proper procedure would be to pursue my company and not me. They have put the debt on my credit report and it's destroying my FICO  score. Everything else is positive, but this is negative. I have also tried to resolve this with the three different credit reporting agencies, but have not been able to. After I have told Monarch that this is not a personal debt, they will not stop calling me and remove the debt from my credit report. Please help me in dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amscot Corporation
State: FL

Complaint narrative:
XX/XX/2020, A past employee, XXXX XXXX, deposited his paycheck from my business, using mobile banking. The same day, XXXX XXXX went to a check cashing store and cashed the check. When XXXX XXXX XXXX XXXX presented the check for deposit, it was denied. 
XXXX XXXX XXXX XXXX has been sending me letters and copies of statues on commercial codes, that I am responsible to make the check good, plus fees. 
I have denied their claim, stating that XXXX XXXX, the original bearer of the check, who first came into possession of the check, deposited the his original check. 
I have sent XXXX XXXX XXXX XXXX banking contact information for means to resolve their issue, but they still pursue me. I made a recorded and written statements for them not to call me or send letters for mean of collection, but they still do. 
I am advised by my bank that if XXXX XXXX XXXX XXXX had done their due diligence at the time of the transaction, their check verify, would have denied the approval. Per XXXX XXXX, CA, XX/XX/2020, XXXX XXXX XXXX XXXX XXXX has all the copies of letters, emails & checks. 
AFTER this is reviewed, if needed, I will be happy to forward copies of correspondence & attachments. 
I want them to stop trying to collect on a debt I, my business, does not owe. 
And I want a letter that they resend their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: IL

Complaint narrative:
Hello, I was looking at my credit report on XX/XX/XXXX there seems to be a few mistakes that were never corrected. Let me explain in detail I am being told I have 13 with XXXX  & that I have 8 inquiry 's with equifax. This is 100 % inaccurate. I always pay my bills online and never signed any documents for any of these companies I list to run my credit report to anyone. I will show you the screen shots but I'll write here as well most of these are going to be from a car dealership that I never ever gave them authorization to run my credit score. this 100 % fraud and never authorized by me. The following items should be removed from my report from all credit agencies XXXX, equifax, XXXX. XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX. Most of these companies i never even heard of I tried calling some of them and kept giving me run around. I never signed anything for any of those companies and I never applied online or gave anyone the right to speak on my behalf. This is 100 % fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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:
Hello, I was looking at my credit report on XX/XX/XXXX there seems to be a few mistakes that were never corrected. Let me explain in detail I am being told I have 13 with XXXX  & that I have 8 inquiry 's with XXXX. This is 100 % inaccurate. I always pay my bills online and never signed any documents for any of these companies I list to run my credit report to anyone. I will show you the screen shots but I'll write here as well most of these are going to be from a car dealership that I never ever gave them authorization to run my credit score. this 100 % fraud and never authorized by me. The following items should be removed from my report from all credit agencies XXXX, XXXX, experian. XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX. Most of these companies i never even heard of I tried calling some of them and kept giving me run around. I never signed anything for any of those companies and I never applied online or gave anyone the right to speak on my behalf. This is 100 % fraud

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 2020-11-03 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: NY

Complaint narrative:
I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I placed a credit freeze on my Equifax account. My printout from then says : " A Security Freeze has been placed on your Equifax Credit File on XX/XX/XXXX. In order to ( i ) permanently remove the security freeze or XXXX ii ) authorize Equifax to release your credit file for a specific period of time, you must provide us with a 10 digit personal identification number ( PIN ). Your PIN is <my pin>. It is for your personal use only and should not be provided to anyone else, including potential creditors. '' I was on the understanding that a PIN would be required to unfreeze my account. Today, XX/XX/XXXX, I went into Equifax 's website, created a 'My Equifax XXXX account to manage this freeze, and then temporarily unfreeze it for a mortgage application. During this process they asked for my name, address, phone number, SSN, and email. They then sent a verification code to the email I provided. I was then able to temporarily unfreeze my credit file with them WITHOUT EVER ENTERING MY PIN. 

All of this information is effectively public domain at this point ( and in their original breach ), and the email I provided was not for verification purposes but entirely under my control to create this my equifax account. Anyone could have done so and unfrozen my credit file and commit fraud against me WITHOUT the PIN they promised would be required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: GA

Complaint narrative:
I Have Called All Credit Bureaus Multiple Times And Sent In Letters Monthly Since XX/XX/2019 In Regards To Hard Inquiries Reporting. These Hard Inquiries Have Caused Me To Be At A Standstill With My Home-buying Process. I Have Also Reported That My XXXX Account Has Been Verified Over The Phone By XXXX As Accidentally Reported 30 Days Late. XXXX Removed Late Fee, But It Is Still Showing Up Late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To whom it may concern my student loans that i paid off show up on my credit file on XXXX  but not transunion or XXXX. I would like to be updated so it shows I pay off my things on time and so that my age of credit can be accurate. I also have a XXXX XXXX XXXX  of my cousins i am a authorized user on that has still not been updated to 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