vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS
State: GA

Complaint narrative:
There are several issues I have with Lexis Nexis : Problem with a credit reporting company 's investigation into an existing problem and Improper use of your report ( shared without consent, credit inquiries from unknown sources. 

A Freeze and a Suppression was placed with Lexis Nexis last year. Lexis Nexis continues to sell/share my information with the XXXX and XXXX. Lexis Nexis has also released my information to creditors, well after the freeze and suppression. Lexis Nexis continue to state that the US Federal Court has given them Bankruptcy information. The Court has sent me a letter stating it doesn't share information with credit reporting agencies, due to privacy laws. Per my Lexis Nexis report, Lexis Nexis states that it contacted the bankruptcy court directly and was told that I had a bankruptcy. I requested information from Lexis Nexis to  disclose to me who at court told them I had a bankruptcy ; but Lexis Nexis has ignored my requests and have failed to properly investigate. LN has released information to several creditors, such as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX for insurance. I have sent subsequent investigation letters, and I feel that I have been ignored. My LN reports shows that I have a business. I HAVE NEVER OWNED OR CO-OWNED ANY BUSINESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THERE ARE LOTS OF FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORTS. I HAVE ATTACHED POLICE REPORT AND CREDIT REPORT SHOWING THE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
After looking over my credit report I noticed there was an account on my report that I have never seen before. It is a collections account that was put on my credit report without proper notice from the CRA or the collections agency. If I'm not mistaken by law I am supposed to receive a notice before an account is put on my credit report. I demand that the account be verified with a contract and written signature or removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services
State: PA

Complaint narrative:
On XX/XX/2013, I made my final payment of {$390.00} to ACS/XXXX and closed the account. Recently, after being denied for a credit card due to having an account in the late pay status, I discovered that even though the account is closed and fully paid, ACS/XXXX is reporting to the credit agencies that I am currently 60 days past due date. I have filed disputes with the credit reporting agencies, and spoken directly on the phone with customer service with ACS/XXXX. No correction has been made. I am not disputing any late or missed payments, only that Current Pay Status should indicate that the entire loan has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a loan from XXXX XXXX aka dba XXXX XXXX in XX/XX/XXXX. I lost my source of income and was unable to make the bi-weekly payments. I called them on XX/XX/XXXX to request that they not draft from my account and was told they were unable to stop drafting until I paid off the loan so I then contacted my bank and put a stop payment on the account. I and explained that I asked them to stop drafting from my account which my contract says I can do over the phone. Months later this company drafts my account twice on XX/XX/XXXX for {$270.00} and XX/XX/XXXX for {$230.00} ... Keep in mind my payments were {$63.00} every two weeks. I then called my bank disputed the charges and requested that my bank block them from drafting from my account. XX/XX/XXXX CHECK # XXXX was processed for {$500.00} I contacted my bank and was told by XXXX on XX/XX/XXXX XXXX central because I owed them they have the right to go into my account a withdraw any funds they wanted. Even though I revoked their authorization to do so. This money was for my rent that I now do not have and basically, I am being told by my bank that any creditor I owe can just take the funds out of my account if I EVER gave them authorization regardless of the fact that I revoked it. I bank with Chase because I want my money protected. If I unauthorized a charge it should not draft from my account. My bank should be on my side. If at any time a creditor can just dig into my account for any amount of money ... why would I continue to have a bank account?! Unfortunately I have debt because I have low income if this is the case I would live in fear everyday because I keep my income in my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Since filing my first complaint against Bank of America regarding case # XXXX. New items have been discovered on the title report / deed of trust. 
Items 7, 8, 9 show as still open on the report. These items were replaced by a new deed of trust showing as item # 10 which was paid off in XX/XX/XXXX and confirmed by Bank of America in writing XX/XX/XXXX. 

Bank of America continues to refused verbal and written request to close out Deeds of Trust on current XX/XX/XXXX title report. They're attempting a default on our building using these paid off and closed out Deeds of Trust. You should be aware the Office of Comptroller and SEC have also began investigations on this. 

This is a new way for Banks to cover up fraudulent lending practices and bully customers into paying fees and charges under threat and duress. 

We need your help, please. 

Thanks ' in Advance.

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 2018-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I lived in XXXX and drove to XXXX to opened a Chase checking account on XX/XX/XXXX.There is no Chase branch in XXXX, the nearest branch is in XXXX, which is 75 miles away from XXXX. 

Everything goes smoothly until XX/XX/XXXX, I received 2 mails at the same time. 
One is a requirement for XXXX form and SSN authorization. The first letter said that I have to offer these two files before XX/XX/XXXX, or my account will be closed. So I fax these two forms XX/XX/XXXX. 

The second mail told me my account has been closed since I did not offer these two forms. 

How ridiculous it is! The first mail is mailed by XX/XX/XXXX, and the second mail is mailed by XX/XX/XXXX. I received them at the same time. Although I have made efforts to follow instructions to prevent my account being closed, but Chase closed my account ( mail 2 ) before require forms ( mail 1 ) Chase made at least 2 mistakes. First, the banker did not let me fill XXXX form and did not take SSN authorization form, which later I found it at the files about this opened checking account, I have signed it but the banker did not bring, he just gave me will many other files. 

Second, Chase closed my account by mistake before the last date XX/XX/XXXX.  Although I tried to offer the missing forms, faxed them the next day, Chase refuse to reopen my checking account. 

I made many official complain by making phone calls to Chase, the stuffs did nothing but say sorry. They told me if I want I can drive back to XXXX and open a new checking account. I did nothing wrong, it is totally Chase 's mistake, why it is me to do all the thing? 

I spent a lot for the whole thing, including driving there to open account, making many calls to try to solve the problem, faxing the forms, but received nothing but sorry. My research sponsor was linked to the new Chase checking account, and it is late when I found this account was closed, so I have to change to another bank to receive it. This sponsor was about 1month later. 

This new open Chase checking account was with {$300.00} bonus for qualified direct deposit, so I can not receive it after the account closed. Is not willing pay {$300.00} the reason for closing my checking account? 
I tried to upload some images of relative files but failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-05-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After looking over my credit report I noticed there was an account on my report that I have never seen before. It is a collections account that was put on my credit report without proper notice from the CRA or the collections agency. If I'm not mistaken by law I am supposed to receive a notice before an account is put on my credit report. I demand that the account be verified with a contract and written signature or removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC Bank sent us credit cards that we did not request. I called them and they said they would cancel the cards. They could not tell me who applied using our name or why they sent us cards. About two weeks later we received a welcome packet in the mail asking us to activate the cards. I called HSBC Bank again, the cards had not been cancelled. Once again, th
ey have promised to cancel the cards. This time I requested an email confirming action on there part. I will call them back if I don't receive the requested email promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
We applied for a loan modification the first time last year on XX/XX/XXXX, we got approved on XX/XX/XXXX and complied with the 3 month trial payment starting on XX/XX/XXXX of the amount of {$2100.00} and so on follows the months of XX/XX/XXXX and XX/XX/XXXX. And after XX/XX/XXXX payment they declined us because of Deed was not on our names. But I spoke to a representative informing me that we still had until XX/XX/XXXX to transferred back the Deed back in to our names. But once M & T Bank received our last payment of  XX/XX/XXXX modified payment which we mailed in our check before XX/XX/XXXX and thats when M & T Bank informed us that we were declined due to the deed not being in our names but again they never informed us that once XX/XX/XXXX payment was received by them that it was an automatic decline. At that point we had the deed transferred back into our names and were told that we had to start the loan modification process again. Now we were informed today on XX/XX/XXXX, that we were declined again now because they couldnt support the modification because of the lengthy time which had nothing to do with us. We had all the paperwork completed and turned in a timely manner. 

Thank you, 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 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: FL

Complaint narrative:
THERE ARE LOTS OF FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORTS. I HAVE ATTACHED POLICE REPORT AND CREDIT REPORT SHOWING THE 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 non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
I am not aware of this debt owed. I just received a notice through XXXX  an account was placed in collection. There isn't an account number listed so XXXX will not allow me to dispute the debt. How could an account just be placed from a 3rd party that does not include an account number, does not include of a full name of the agency and without any notice to me.?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: FL

Complaint narrative:
I FOUND OUT THAT I HAVE FRAUD ON MY CREDIT REPORT FRAUDULENT ACCOUNTS AND 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 2018-05-02 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: IL

Complaint narrative:
I told them that I am a victim of their inquiry issue and they didnt delete all the credit 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 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a XXXX XXXX XXXX account that was closed and now it has been reported on my credit report twice. 

My son XXXX XXXX XXXX, was born on XX/XX/XXXX, He works for the XXXX   XXXX and is XXXX  years of age. This account was closed out in XX/XX/XXXX when my son turned XXXX years of age. My credit reports ( all 3 bureaus ) reflected the following data on the file. There was a previous account that was closed and transferred, and stated closed, current in good standing and no late payments. The new account was opened in XX/XX/XXXX ( 9 years 6 months ), monthly payment each month {$0.00}, current payment status ( XXXX   late 's ) This account was closed out when my son turned XXXX years of age and it can be viewed in past credit reports. Now I have two accounts that were previous closed reopened and re-aged ( which is illegal per ( FCRA ) and the accounts showing double reporting ( which is illegal and against the ( FCRA ) As I only have XXXX  child. The information reported on the account from original account that was closed and transferred, is now different from the original filing on my report. 

It is showing opened on XX/XX/XXXX ( 17 years and 9 months ) Monthly payment {$780.00}, last payment XX/XX/XXXX, payment status as CURRENT AND wrost payment status NO INFO. But then it shows late 's from XX/XX/XXXX through XX/XX/XXXX. My son was XXXX years old in XX/XX/XXXX and is now XXXX years old in XX/XX/XXXX. The was no child support, because he was and is a adult.. It shows that the account was closed on XX/XX/XXXX. This account was closed years before the 2nd account was open in XX/XX/XXXX. It is well past the 7 year time frame and is in violation of the FCRA, due to re-aging, double reporting, inaccurate information, in all areas of the account and must be deleted and not reported again, based on The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

This error, has caused a major hardship on me personally and financially and I would like these intentional violation of the law corrected, in a timely fashion. Equifax is the only bureau, that has allowed and been a party to this gross, violation and disrespect for the law. The other agencies have operated with honor and professionalism, in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I sold my home on XX/XX/2018. My wife inadvertently provided her personal credit card for the wire transfer, and approximately {$330000.00} was transferred to that account. We immediately contacted Bank of America to begin transferring those funds to our personal checking account, and we were told the process would take 2-7 business days because of " the large amount '' of the funds and because we needed a check for money laundering. 

We called back after 7 business days had passed and were told that it was actually going to be up to 12-17 business days. After asking whether Bank of America had performed all the checks they needed to perform already, we were told that yes, they had been. I explained that I was confused why in that case my money was being held hostage by the bank without interest, which seemed to be a violation of federal bank regulations. I was not given a reasonable response to why the funds were being held ; both the associate with whom I was speaking and her supervisor appeared sympathetic, similarly confused, but unable to help. 

At this point it appears to me that the bank is holding a significant amount of my cash hostage without reason other than profiting from the interest on it without any compensation to me. While this is a few hundred dollars of interest lost to me, across many this could add up to a substantial sum. I believe this is worth probing further.

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 2018-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I wanted to remove my co-signer after 10 years of on-time payments. AES said the only way to do that was to re-finance. So I did. The new bank sent the payoff amount which was credited to my AES account on XX/XX/XXXX and resulted in a credit of approximately 57 dollars. I contacted AES to ask when the refund would be processed and to whom ( to me or to the bank who refinanced the loan ). They told me that in 5-7 business days the refund would be given back to the entity that made the payment. After the specified time had passed, they had still not processed the refund. So I contacted them again on XX/XX/XXXX only to be told that the process takes 30 days. When I mentioned the previous chat, the customer service representative had told me I remembered the details wrong, and straight up LIED to me about the what I was initially told. I asked for a copy of the original chat transcript for proof of what I was told and she said I would receive it in 5-7 business days. Holding on to an over payment for 30 days when the loan amount has been paid in full is unacceptable. 5-7 is  understandable as you may want to ensure that the payoff check has cleared but at this point, the new bank is charging me interest on that overpayment amount, so the check has most definitely cleared.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

Company response to consumer: Closed with explanation