vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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.

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 that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting 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:
Recently, I did an investigation on my credit report which caused 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 Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc.
State: TX

Complaint narrative:
XX/XX/year> spoke with XXXX XXXX XXXX agent XXXX informed my balance owed {$450.00} to a closed account and sent to collections. And card is not active. 

I said okay due to circumstances and stated I will continue paying balance owed until paid in full. Efforts payment applied until XX/XX/year>. 

On XX/XX/year>, I contacted XXXX XXXX XXXX XXXX for balance status. Representative XXXX stated balance due {$290.00}. Next I request speak to supervisor XXXX stated balance due is {$390.00}. Both representatives reluctant to discuss payments applied to my account record. 

Perhaps I could have over paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the sudden closure of my bank account by JPMorgan Chase Bank , N.A . ( " Chase '' ). Despite my efforts to obtain information, Chase has not provided any explanation or justification for the closure. I can not remember the exact dates and Chase refuses to give me those dates but I do know that my account was closed before XXXX. After that I was approved for a credit card through Chase from Amazon XXXX and which I received the letter then my account will be closed as of XX/XX/XXXX and I was given no reason or explanation as of why. I contacted Chases customer service department in XXXX of XXXX to inquire about the reasons for the closure of my account. Unfortunately, I was informed that they could not provide me with any specific details or reasons for this action. I made multiple attempts to seek clarification both via phone and in-person at my local branch, but each effort was met with the same response.The lack of transparency and communication from Chase has caused me significant inconvenience and distress. As a customer, I believe I have the right to understand why my account was closed and to receive a formal explanation.I am requesting the Consumer Financial Protection Bureau to assist me in obtaining a clear and detailed explanation from Chase regarding the closure of my account. Additionally, I would appreciate any guidance or assistance that the CFPB can provide to ensure that this matter is resolved promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting 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 was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from 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 non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting 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:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There was no change to the XXXX report reported by Experian. They state on the report XXXX open accounts, when there are in fact XXXX revolving accounts, XXXX of which ( XXXX XXXX XXXX ) was closed by the company and in XXXX and XXXX. The Experian company is falsely stating the issue has been resolved.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. 
I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score.

In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your investigation. 
The account is XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I found out on XX/XX/year> that Chase decided to close my account. That day I called into Chase Bank customer service. They told me that I could go to the bank to get my funds and the reason why my account was closed. Immediately I went to Chase Bank in XXXX, WA. I spoke to a customer service agent even though I asked for the XXXX. I was told that they could not release my funds that they would come to me in a cashier 's check and that they are unable to see why my account is closed. I called back to the fraud department and asked them again why my account was closed. I got placed on hold for XXXX hr XXXX minutes until I hung up. I decided to just wait for the check with my checking and savings. I got the check for my checking in the amount of XXXX I took it to my new bank and they called Chase to verify it and Chase told them they couldn't find the account it was written on and are unable to verify it!!! I still have not received my savings amount XXXX. Yesterday I called fraud again and asked the same questions. Why did they close my account and where is my money? Got placed on hold and no one picked up. Today I talked to XXXX in the operation fraud department. All I got was that she would call me back in 2 hrs. This is ridiculous that my accounts got closed and we are going on a month now and no one can tell me why or give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

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.

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 that the informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Noted on Citi Credit card statement that amount due for payment was {$3800.00}. 

Spend/purchases for the billing period was {$3200.00} I Paid {$2500.00} before due date However CIti calculated interest ( {$80.00} ) based upon total total spent of $ XXXX@ 28.24 % APR for the 32 days billing period and not on the outstanding balance of of approximately {$1300.00} after payments were made. 

When questioned, Citi indicated that because the statement balance was not paid in full the interest was applied. 

I would expect the interest to be applied to the outstanding balance and not the full purchases for the billing period. 

I consider this illegal/criminal and unfair, and not consistent with accounting/financial principles. 

I complained to CITI and further indicated that i will be making a complaint to the Consumer Financial Protection Bureau. 

Citi response also that this method of calculating interest was their standard practice and also the practice across the credit card industry. 

I would like for the CFPB to intervene in this matter and if standard practice across the credit card industry to make changes to enforce that interest be calculated on outstanding balance after due date and not on the purchases during the billing period if the statement is not paid in full. 

Also I would like for Citi to refund me the difference between interest charged on spend during period and that of balance outstanding after credit card payment has been made. 

Anticipating your soonest acknowledgement of receipt of this communication and your feedback.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc
State: CA

Complaint narrative:
I am a victim of identity theft, Ive been having complications on getting the help thats needed these accounts arent mine and I have no connections with them. I reached out to the company and the credit bureaus but the credit bureaus never responded Im not sure if they got the letter I mailed but now Im trying this way. 

Please help correct this fraudulent information and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM FINANCIAL IS SHOWING AN INQUIRY ON REPORT DUE TO BE REMOVED IN XX/XX/year> ASKING for removal of inquiry, i honestly have no recollection of this inquiry. and considering its due for removal soon im asking for removal. 

SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I was notified via text message by Chase that there was suspected fraud on my account and it was restricted. I proceeded into my local branch and after XXXX hours at my local branch and the personal banker and myself being transferred between XXXX different departments, a fraud XXXX said that chase was terminating their relationship with me and they intended to restrict over {$2000.00} of my money for XXXX business days. Hours later we agreed the {$330.00} for payments due to Chase would be held and the rest released to me that day. On XX/XX/XXXX I received an email that the account was closed and there were fees associated with the {$330.00} accruing. The money seemingly disappeared into an abyss of Chases incompetence. I watched very detailed notes entered into my account. Apparently those disappeared as well. I am now being assessed fees for something that I have XXXX control over, as I am unable to access the account- UNLESS I give Chase access to an outside bank account. However, the money to cover the amount owed was left in the account. This is so illegal and its incredibly predatory. I KNOW its happening to other people. There was always plenty of money in that account, it was never overdrafted, and never had a single issue with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
In XXXX, the mortgage of my house was with roundpoint. In XXXX of XXXX, they sent me a check that got mixed with other documents so, I never cached it. That check had to do with some leftover amount in my escrow account. In XXXX of XXXX, while I was cleaning up old documents, I found the check. I called roundpoint and I asked what happened with that amount of money since I never cashed the check and I could not cash it anymore since 180 days passed since the issue date. Roundpoint claim that they had sent the money to the county. I called the county and they told that roundpoint has sent nothing to them and I have to ask roundpoint for a written proof that they have sent the money to the county otherwise they have to reissue the check. I did call roundpoint again and I asked the for the written proof according to the instructions of XXXX XXXX. Roundpoint asked me to email them the details in order to research the issue. I did send multiple emails. I did call multiple times and every time they tell me that they will respond to me at same point and they ask for extra time. 

My loan number back then was XXXX Mortgage was for my property located at XXXX XXXX XXXX, XXXX, CA XXXX. 
Check # XXXX Date that check was issued XX/XX/XXXX XXXX {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the XXXX Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: IL

Complaint narrative:
This case stems from when the Bank of New York Mellon, through their attorneys at XXXX XXXX XXXX XXXX, sold the same property via foreclosure to two  parties.XXXX  XXXX, who soon afterwards became our client, purchased the property the second time from a Foreclosure auction. 
The first people that purchased the property years before never defaulted on their loan and were currently living at the property. When the the XXXX XXXX bought the same property at the foreclosure auction,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
I had services cancelled as of XX/XX/XXXX. No final bill was provided and a return label was never provided. I had previously requested a return label several times and I never received the return label. I then contacted XXXX again and requested another label. Never received the label again. I contacted XXXX again and advised that I again not received the return label and asked that it be sent to another email address. I was told that they could not update the information and send the return label to another email address. I then received communication from collection agency and immediately contacted XXXX again. I was told that the would send me another return label to a new email address. I again never received the label and was told that I could not return the equipment to the store, but I could pay the final balance of {$38.00} in the store which was the final bill of {$45.00} minus a {$7.00} late fee that was waived. I then received another collection notice from another company stating that the bill was now {$560.00} which included equipment charges of {$450.00} and a one time fee of {$110.00}. I called the collection agency and filed a verbal dispute and immediately called XXXX again on XX/XX/XXXX. I was then told that the account had been closed and transferred to the collection agency and now I can no longer return the equipment and I would have to pay the full balance. I have no contract and nothing in writing stating that there is a timeframe and was told that once the account is closed they can not send return labels to other email addresses even if you dont have access to that email any longer. XXXX provided no other alternatives to be able to return their equipment and is now trying to stick me with a bill for over {$500.00} due to their inconsistent information, lack of customer / business follow through. They failed to provide accurate details/ information, timeframes, guidelines, and did effectively communicate the closing requirements and options to ensure that the account was closed successfully.

Company response to consumer: Closed with non-monetary relief