vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This is a formal complaint against CAINE AND WEINER located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, CAINE AND WEINER has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I began this loan around XX/XX/XXXX. Loan amount {$3800.00} The promotional 0 % interest ( which I did not know about ) ended on XX/XX/XXXX. 
I was never informed that the interest was going to begin at a specific time. Nothing was ever sent to me specifically informing me I was in a promotional 0 % interest for my loan was with a 1-year limit.

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I notified Experian that I was provided no prior knowledge of account nor debt but account still is being reported negatively and defined as 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 explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
Landlord harassment with malicious intent through collection agency. 

Name of agency : National Credit Systems , Inc. XXXX XXXX XXXX XXXX, GA XXXX Free XXXX Phone XXXX Summary of complaint, I was a tenant at XXXX XXXX XXXX, XXXX  XXXX, in XXXX " Nevada ''. The terms for early termination of the lease were clearly discussed prior to renting. I have attached an email communication. By XX/XX/2020 when the COVID lockdown begun I no longer had the option to stay at the job I had at the time due to minimal operation status. 
By XX/XX/2020 my only option was to transfer to California ( I have attached the letter ). 
I am being targeted by the XXXX 's management company aka. landlord because of my profession and the assumption of a high income. They have sent over {$10000.00} to a Collection agency which is a deliberate action with malicious intent. 


Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One sent me an email on XX/XX/2022 in regards to suspected fraud for a charge of {$55.00}, the charge was declined and if I did not make the purchase I should contact their fraud department. I contacted their fraud department immediately and informed the customer service representative that I had not made the purchase and this was in fact fraud. The representative advised she would be canceling that credit card, issuing a new credit card and submitting a request to have a {$55.00} credit applied if the fraudulent charge posted to my account. On XX/XX/2022 the fraudulent {$55.00} charge posted to my account and there was not a credit applied or pending to cover the charge as I was informed. I waited an additional 24 hours to see if the credit would appear and it still has not shown as applied or pending as of XX/XX/2022. I contacted Capital One Fraud department XX/XX/2022 to inquire why the {$55.00} credit had not been applied to my account as the charge had posted and was informed the credit can take up to 3 business days. I requested to speak with a supervisor because this was not the information I was provided on XX/XX/2022 and now I will be running the risk of this fraudulent charge impacting my credit due to my billing cycle ending within 3 business days. I spoke with a supervisor and informed her of my concerns of this fraudulent charge being billed and incorrectly being reported on my credit report and she also said it can take 3 business days. I informed her the representative I spoke to XX/XX/2022 advise the credit would show as soon as the charge posted and the supervisor said that was incorrect. I informed her if I made the payment today it would post today so I didn't understand how the company applied credit couldn't post sooner than 3 business days, she basically said that's just how it is and I can feel free to make the payment if I want. I disconnected the call. Both representatives of the company completely disregarded my concerns of this fraudulent charge being reported on my credit report and never once even offered that they would submit a request for reporting correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. XXXX, XXXX, XXXX XXXX and XXXX has fraudulent accounts on my on my credit profile that need to be remove immediately.

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 2022-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My husband passed away XX/XX/22. His SS payment of {$2000.00}. was direct deposit on XX/XX/22 to Chase Bank but bank subsequently placed on hold. I presented the SSAXXXX form per Chase 's request to bank 's assistant XXXX XX/XX/22 which states " the payment paid on XX/XX/22 of {$2000.00}. is due to the claimant. Please release the hold payment ''. Form also included a letter from SS stating " SSA DOES NOT HAVE A HOLD ON THE PAYMENT ISSUED XX/XX/22 IN THE AMOUNT OF {$2000.00}. THE NUMBER HOLDER WAS DUE THIS MONEY AS SSA PAYS A MONTH IN ARREARS ''. Chase 's assistant XXXX called XX/XX/22 to inform me check had been released. The following week it was placed on hold again & as of XX/XX/22 his payment is still on hold. I've made numerous calls to each department they claim is " reviewing '' this hold plus sitting in the bank manager 's office for hours who offered XXXX but no help. Received bank message on XX/XX/22 that hold was now in Decedent dept. who states it will be sent for review again. I've spent the past week dealing with totally inept employees either in person or on the phone to the point of exhaustion. The mental distress over losing my spouse and then to endure Chase Bank 's malfeasance & total disregard of their mistake goes beyond a " complaint ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hello, I filed two rounds of letters with TransUnion, XXXX and XXXX on XXXX XXXX and XXXX XXXX and the accounts still remain and have not been fully validated. TransUnion sent me a second letter stating since they attempted to complete an investigation the first time, they will not be conducting a second investigation on the accounts.

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
After a period of nonpayment, I started making payment to synchrony bank on my care credit account. Every time I make a payment to get out of debit abd to improve my credit, this company decreased my amount of credit and continues to keep me in the 90 % debt to credit ratio. They are my only credit card and this has happened several times, it has made it actually worse fir me to pay them bc they keep causing my credit score to drop significantly. Technically they can do this, but it is very unethical and Im not sure if it is lawful.

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 2022-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Subtrust bank does not want to for my bank fees that were caused by them, They allowed XXXX XXXX to take out they're monthly fees but not annual fees which in turn caused XXXX XXXX to charge me a late fee. When I tried to resolve the issue that they caused, they told me to call XXXX XXXX. I told them XXXX XXXX had nothing to do with this and they refused to pay the fees that they caused.

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 2022-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have a mortgage with an escrow account with the Bank of America. I get a property tax exemption from the county of my residence. In XXXX the county erroneously declared my pre-exemption tax to the bank while sending me a correct bill. On two occasions in XXXX the bank overpaid my tax and the county realized their mistake and refunded the escrow account in two payments in XXXX XXXX and XXXX XXXX as reflected on the Escrow Account Disclosure Statement. Now the Bank is calculating my XXXX escrow payments based on the erroneous higher tax amount which will result in an increase of {$150.00} to my monthly escrow payments. Since XX/XX/XXXX I have made several attempts to ask the bank to correct the mistake but their agents are not responsive to my concerns. I have sent copies of relevant documents ( including letters from XXXX XXXX confirming my exemption, and my tax bill ) to the bank but since they show my name and address, I have not attached them to this complaint. I appreciate CFPB 's help in resolving this issue.

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing my credit report I noticed inquires on my credit report I did not approve or agreed. I then set a letter to the XXXX XXXX, and experian to get these removed per the Fair Credit Act. After waiting more than a month I got a letter saying nothing could be done.

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is showing a wrong address for me that i lived in XXXX Arizona which i never did i know nothing about XXXX never was there

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hello, I filed two rounds of letters with XXXX, Equifax and XXXX on XXXX XXXX and XXXX XXXX and the accounts still remain and have not been fully validated. XXXX sent me a second letter stating since they attempted to complete an investigation the first time, they will not be conducting a second investigation on the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My name is XXXX. I want say, this to XXXX XXXX and not previous complaint I made last year 2021 XXXX XXXX Previous, complaint I did, it did not help me forget about this because is irrational and offensive to say a thing like that. 

" Our decision will not change '' I want this complaint consider as a hate crime a buisness against a consumer in a need. Based, of last year response. 

I'm here because I want to report Chase bank a compliment and clarify I want to be able to bank again. 



I believe this is a mistake and I'm going to forgive them. I shouldn't be banned and this is all wrong. 


It is, wrong to cause some one that, the person has nothing to do about charges or anything I'm respectfully asking to put a stop end this nonsense I want be allowed to bank again. 


We know, your the chair man of this bank Chase. 


XXXX, previously I had complained about this before. I do feel this wrong and shouldn't be taken this action. Banning me is, like hurting my life. 




How far, do you want to go about it? Why am I'm only one complaining?

Because one the others representive won't gave me understanding about why am I'm banned of opening an account? 



Is there limit how many times can client open after closing an account?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
In XXXX, I had a XXXX XXXX XXXXredit card and the debt was sold to Portfolio Recovery XXXX XXXX PRA ). I spoke with PRA and they threatened to sue me and filed a court judgement against me in New York.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hello, I filed two rounds of letters with XXXX, XXXX and Experian on XXXX XXXX and XXXX XXXX and the accounts still remain and have not been fully validated. XXXX sent me a second letter stating since they attempted to complete an investigation the first time, they will not be conducting a second investigation on the accounts. 

The amounts in collections that I am requesting to be removed is {$1100.00} {$800.00}, {$720.00}, {$740.00}, and {$840.00}.

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 2022-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
On XX/XX/2022, contacted XXXX ( Originator of debt ) and there is no record of any such debt owed. On XX/XX/2022 attempted to communicate this info to AMSHER but was greeted with abusive language. Currently derogatory info is reported on my credit report. This info us unfounded and not supported by documentation and violates requirement of the Fair Credit Reporting Act. Amsher Collections fail to provide documentation of any existing debt " to me '' .after repeated requests. Amsher knowingly purchase medical debts to coerce settlement/payments from consumers without proof of debt existence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
In XXXX of 2021 my loan was sold to Selene Finance LP by XXXX XXXX XXXX. I have not received any statements by mail or email. I am currently in bankruptcy and my attorney has not received any information concerning the statements. I have requested no less than 5 times in the last 3 months that a statement be sent to my physical address. I found an address to send the payments. But I do not know how many payments I am behind, what the exact amount of the payment is, or when the payments are due. It is very frustrating when I am making every effort to be current on all bills and the mortgage company refuses to send out statements. I am concerned there is a chance this company can file foreclosure on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  I have been trying for 2 years to get mine and my sons credit report corrected. They have report a charge off but the account was paid on full by the insurance company. I have requested several time even from the credit reporting agency to correct this and they haven't. This has destroyed both mine and my sons credit and is coating me hundreds of dollars every month.

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