vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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 have submitted a complaint to Experian about their reporting data on my XXXX  account. They continue to show a balance eventhough XXXX shows XXXX. The other credit agencies show XXXX. I have sent the do moments showing accounts all have XXXX. XXXX has done the same. So either Experian chooses to ignore the data ate they are incompetent

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 2023-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America closed my saving account on XX/XX/2023. 
I haven't received my funds of {$270.00} XXXX yet. I call to closing department almost every day and they can not give me a clear answer as to when the check will be mailed to me. 
It is going on for over XXXX month now. 
What should I do? I have to pay my bills and IRS tax. 

Thanks

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 2023-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
National Credit Adjust, XXXX XXXX XXXX XXXX, XXXX KS XXXX has no original creditor available. I do not know who they are and can not contact the original creditor and therefore believe this debt to be fraudulent, erroneous, inaccurate and should be part of my XXXX credit report! 
According to 15USC 1681 ( a ) ( i ) I can challenge this account and have it deleted because it is obviously incoirrect and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: PA

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 account # XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX, has violate15 Ud my rights. 

15 U.S.C 1681 SECTION 602 A. States I have rights to privacy.

15 U.S.C 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-03-20 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: PA

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  account # XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX, has violate15 Ud my rights.

15 U.S.C 1681 SECTION 602 A. States I have rights to privacy.

15 U.S.C 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened an accelerated savings account with Citibank on XX/XX/XXXX via their website which since I already had a credit card with Citi was very easy and efficient. I transferred funds in through my previously set up linked checking account ( XXXX XXXX ). Over the next two months as I had fund availability I transferred additional funds into the account always through this same means of logging onto their website and initiating the transfer from the linked bank account at XXXX XXXX. These transfers occurred on XXXX and XX/XX/XXXX. Additionally I deposited two checks via their mobile application and transferred a rewards certificate from my Citi visa to the account. As of XX/XX/XXXX I had approximately {$100000.00} deposited into the account. On XX/XX/XXXX I noticed I could not log onto my account which I thought was odd but was given a message referring to " try again later '' so I didn't think it was too odd. So I telephoned the customer service that day and was told my account was locked for fraudulent activity. When I verified my identity and the the 3 most recent transactions, I was told I would get a letter in the mail explaining why it was locked in 7 to 10 days. The letter stated the account was closed by Citi and funds would be dispersed in an additional 30 to 60 days. So essentially they are holding my funds without paying interest for almost 90 days and I have no access 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 2023-03-20 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I made a purchase on XX/XX/2022 in the amount of {$8700.00} to XXXX XXXX XXXX. 
- on XX/XX/2022 I received an email from XXXX XXXX XXXX letting me know that they were no longer doing business, and advising me to contact their insolvency firm to deal with the matter - after several contacts, it became clear that XXXX XXXX XXXX would not reimburse us with any funds. 
- on XX/XX/2022 I faxed a letter to I made a purchase on XX/XX/2022 in the amount of {$8700.00} to XXXX XXXX XXXX. 
- on XX/XX/2022 I received an email from XXXX XXXX XXXX letting me know that they were no longer doing business, and advising me to contact their insolvency firm to deal with the matter - after several contacts, it became clear that XXXX XXXX XXXX would not reimburse us with any funds. 
- on XX/XX/2022 I faxed a letter to Barclays AAdvantage Mastercard credit card with corresponding documentation on explanation letter - Barclays AAdvantage Mastercard first declined the reimbursement with excuse that I had payed the bill for the subject from my checking account - it was explained to Barclays AAdvantage Mastercard that the bill was payed before XXXX XXXX XXXX advised us that they would not fulfil the service that i had payed for - Barclays AAdvantage Mastercard the changed their story and advised us that because the claim was filled as a " fraud '' - even though it was clearly stated in the faxed letters that the claim was a " dispute '' - that Barclays AAdvantage Mastercard would refuse to reimburse me for the purchase. 
credit card with corresponding documentation on explanation letter - Barclays XXXXvantage Mastercard first declined the reimbursement with excuse that I had paid the bill for the subject from my checking account - it was explained to Barclays AAdvantage Mastercard that the bill was paid before XXXX XXXX XXXX advised us that they would not fulfil the service that i had payed for, I always pay my statements in full in order to avoid interest and late charges - Barclays AAdvantage Mastercard the changed their story and advised us that because the claim was filled as a " fraud '' - even though it was clearly stated in the faxed letters that the claim was a " dispute '' - that Barclays AAdvantage Mastercard would refuse to reimburse me for the purchase.

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 2023-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On or about XX/XX/2006 I have contracted the purchase of two 5 family buildings four mortgages were established two main accounts and two piggy back accounts. XXXX M & T Bank raised the interest rate from 9.5 % to 11 % without any contractual basis, furthermore I have requested a payoff to potentially pay these mortgages off they were charging me charges which seemed unlawful such as recording fees, other funds due ( which are not detailed ) release fee, and a payoff letter fee all of whom are illegitimate and not contractual. They are not willing to show me any legitimate documents that allows them to request these high interest rates which I have been paying for 14 years with no incidents, or request these payoff fees. M & T has really engaged in a racketeering enterprise.

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 2023-03-20 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: MA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & # XXXX, has violated my rights.

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 2023-03-20 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: MA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & # XXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
As of XX/XX/XXXX, 2022XXXX XXXX2022 my bank account balance was {$62000.00}. Due to an illegal transaction through online purchases about {$60000.00} withdrawals was made with out my authorization. Chase Bank failed to stop all the huge online transactions. When I found out that a lot of money was withdrawn from my account I was shocked and discussed with bank tellers and managers at two different branches and no one was willing to find out and refund my money. I deposited my money at the bank to protect my myself and my family, not to defrauded or scammed by any illegal transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I personally communicated with National Credit Systems a couple months ago because they put a collection originally for {$4700.00} on all 3 of my credit reports for the original debtor XXXX XXXX XXXX out of XXXX XXXX SC, now they put a balance of {$5000.00} on my report. I originally asked for a optimize spreadsheet for the reason for high bill and I was never emailed one, I spoke to the property manager and she told me that she couldn't provide me with a optimize spreadsheet because they are now under new ownership. I communicated that to National Credit Systems and they've done nothing until I filed a complaint with the XXXX. After the complaint National Credit Systems issued a statement with the XXXX that it would be me moved from all 3 credit bureaus and update. It was removed from my XXXX and XXXX but it still remains on my XXXX report and it's affecting my ability to rent or possibly own, last month I sent another dispute letter asking for removal from my XXXX report and still no response I've emailed them a couple of days ago and still no response I've exhausted my options I plan to dispute it again in another letter along with this complaint and hopefully I can get this issue resolved and removed off of my XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus but I have not been notified of the status of the disputes so far. 

According to the FTC they have a maximum of 45 days to respond and they have not done so. 

I have negative items affecting my credit score and they have not been corrected. 

I am attaching the proofs of the letters that I have sent to the 3 credit bureaus. 

I appreciate your prompt communication thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
In accordance to the Federal Credit Reporting Act this creditor has violated my rights under 15 u.s.c 1681 section 602 states I have the right to privacy. 15 u.s.c 1681 section 604a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 u.s.c 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-03-20 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: DISCOVER BANK
State: GA

Complaint narrative:
Please note that I am the author of this complaint and all attachments.

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation