vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We recently paid off our Texas home and at closing we had an overpayment as well as escrow balance of roughly {$3700.00}. Chase informed us they would be dispersing a check for this amount immediately after closing on XX/XX/XXXX it would take roughly 7 to 10 business days for us to receive the check after XXXX business days we called in to ask when we should receive the check as we still have not received it. They stated that they could add the funds directly into our Chase business account and it would take one to two days to process. XXXX days after not receiving the funds again we called in and were informed that they could not process the funds into a business account. It had cut another check to be here no later than Wednesday, XX/XX/XXXX. After not receiving the funds by Thursday the XXXX we had called in again and spoke to an escalations manager to informed us the check would be here no later than the next day Friday, XX/XX/XXXX. We just got off the phone once again today, XX/XX/XXXX with another escalations manager, who informed us they would cut another check, which would likely take an additional 10 business days to receive. At this point it seems Chase has no intention of actually dispersing our funds back to us, and is unwilling to make any accommodations to give us our owed money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You are in direct violation of the fair credit reporting act ( 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: NV

Complaint narrative:
I PAID OFF AN AUTO LOAN WITH XXXX XXXX ON XX/XX/XXXX ON XX/XX/XXXX THE AUTO LOAN WAS LISTED AS 30 DAYS LATE FROM XXXX XXXX XXXX. I HAD 100 % ONTIME PAYMENTS SINCE THE OPENING OF THE ACCOUNT DATING BACK TO XX/XX/XXXX. ITS IMPOSSIBLE TO CHANGE THE PAYMENT HISTORY XXXX YEARS AFTER THE ACCOUNT IS CLOSED AND PAID OFF. I RECEIVED THE PAYMENT HISTORY FROM XXXX XXXX AND I HAD NO MISSED PAYMENTS.

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 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a notice in the mail ( dated XX/XX/XXXX ) that a Bank of America Visa account I have had for many years was due for an annual payment I wasn't previously aware of. I had tendered one such payment in XXXX, but BofA had apparently doubled payment cycles for the card ; one reason I hadn't noticed the additional billing statement was that I didn't possess a physical card any longer. So after promptly calling BofA to pay the outstanding bill, I asked to speak to a customer service representative to get a replacement card. That representative told me that it wasn't possible to do so, since the account had been " closed '' as of XX/XX/XXXX. I had received no notification of such closure -- it's also exceedingly difficult to understand why BofA would send out a notice requesting payment of an annual fee on a letterhead dating one week later on an account they had already closed. When I asked for an explanation for the account 's closure, I was told that such information was " locked. '' I then asked to speak to the representative 's supervisor, who only told me that BofA reserves the right to close any account for any reason, and that he could not give me any additional information about the account 's closure. He insisted that the Bank had sent me the closure notice on XX/XX/XXXX, but could not explain why the Bank would be notifying me that the fee was due in a letter dated a week later if that was indeed the case. I no longer want the BofA 's Visa card or to support this flagrantly deceptive enterprise in any fashion, but I do want this Kafka-esque treatment of customers acting in good faith to remedy outstanding payments to be appropriately investigated and punished. The issuance of credit cards by this monopoly bank is closer to extortion than anything resembling genuine customer service.

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Ive tried to get Transunion to send me my credit report for over 4 weeks. Im unable to access my reports ( s ) online (? ). Transunion agreed to mail the report ; and have a supervisor call me within 72 hours, Still no report and no phone call. 

My name is incorrect on XXXX and XXXX My name is XXXX XXXX XXXX NOT 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 2023-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
I received a letter from Wakefield and Associates LLC on XX/XX/XXXX identifying themselves as a collections agency and stating I owed a balance of {$10000.00}. I sent them a certified letter on XX/XX/XXXX asking to identify the original creditor and a copy of the original written agreement that stated this balance was owed by me. I received on XX/XX/XXXX 15 pages, including an " Account Detail '' that only listed dates and balance owed and all these service dates were listed XXXX XXXX as the original creditor. The rest of the pages each listed all of my personal information such as name, date of XXXX, social security number, address, phone number, and place of employment along with a " date of service '' and again a balance due. I did not receive any copy of the agreement with Wakefield and Associates nor XXXX XXXX in this package. I then sent out another certified letter to Wakefield and Associates on XX/XX/XXXX, once again asking for any copy of the agreement with either their collection agency or XXXX XXXX a breakdown of supposed medical charges and collections costs, as well as a copy of my signature with said provider to release my medical information to Wakefield and Associated. It has been well over 30 days and I have yet to receive any of this information or any communications from Wakefield and Associates LLC since sending out this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX sold the debt to Amercollect collection company. I never received. The 1099 C form XXXX nor Amercollect. Please provide the 1099C or delete from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: FlexShopper, Inc
State: CA

Complaint narrative:
This isnt my account I never applied or opened a flex shopper account please help remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I submitted a complaint of the balance that was currently on my account. I was told that it was correct it when I open my credit report on today, I see that Exeter finance has went back on their word and changed the reporting on my credit report back to negative remarks and not the information they stated that would be changed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them from my credit report immediately. These accounts are NOT MINE.

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 2023-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
Was contacted by a ( XXXX ) area code number which caller ID identified as coming from New Jersey. I had already found this suspicious as ( XXXX ) is a California area code. When I answered the phone I spoke to a male who claimed he was from Phoenix Financial Services. Again, strange as the actual financial services uses a ( XXXX ) telephone number. Was told I owed some unspecified amount to an ambulance company and when I pressed for more information I was asked to verify my date of birth. The man on the phone then said what he gathered was my birthday and asked me to confirm. I refused to acknowledge and told him I would not provide any information unless he tells me what this amount is related to. He once again tried to pressure me to confirming my DOB which I then told him to go away and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX 2020 was notified by Bank of America there was a charge on my CC I didn't recognize, I called the bank then was told to call XXXX XXXX XXXX XXXX XXXX said they didn't see any charge of {$58.00} so I was told to call BOA. I then called BOA to dispute the {$58.00} but instead of putting a dispute on the {$58.00} they also put a dispute on a charge I had made for {$16000.00}. Unaware that BOA ended up double charging me for the {$16000.00}, I cancelled my order with XXXX XXXX not realizing what BOA had done. Well, not sure exactly what happened but it took a hole year for BOA to reverse the double charge, plus some of interest and late fees after I wrote a letter to the bank. I have proof I have spoken to over 40 boa reps and supervisor to settle this matter. But, what does boa do, they sent my account to a collection agency without giving me notice. I tried to work with the agencies that were handling the problem but I just got the run around. BOA, is stating I owe {$6500.00}, but I have proof the amount they owe me {$7500.00}. When I have written a certified letter to both collection agency to show me proof that several chargebacks were returned to my account, I got 6 years of statements. The odd thing is the statements had two different balances on 7 months. Now, BOA served me with civil court papers and I had to pay {$220.00} to answer the compliant. I have over 100 pieces of evidence to show how bad I have been treated. I just printed out my credit statement and all of my accounts state Never late exceptional payment history except the BOA.

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 2023-05-19 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: MS

Complaint narrative:
Hello last month I recently submitted a dispute with Transunion regarding a XXXX XXXX account that was fraudulent open in my name. I have contacted XXXX and the debt collector numerous times with this fraud matter and nothing has been resolved. Transunion decision was that the information was accurate and refused to remove this fraud from my credit report. XXXX has removed it but Transunion declined. I want this to be reinvestigated by Transunion moving forward. I have placed fraud alert on both Transunion and XXXX and XXXX since the pandemic began.. So the system has failed me. And now its stuck on 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 2023-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Between XX/XX/XXXX & XXXX, 2023 my vehicle was improperly towed by XXXX XXXX and XXXX XXXX, hired by Chrysler Capital resulting to the vehicle being immobile and sustained cosmetic damages. XXXX XXXX and XXXX XXXX is requesting me to file a claim, however apart of the claim is requesting XXXX estimated of the damages which is immediately impossible since the vehicle can not be moved without causing more damage to the front frame. I reached to Chrysler Capital to advise next steps as thatll disorient the appropriate price of the sale of vehicle at an auction and they asked me for a video from the tow truck. The towing company is refusing to provide me with that information. Chrysler Capital XXXX XXXX XXXX and XXXX XXXX and refuse to reach out to them for the release of the video. This is going to result in me ultimately owing an alleged amount on the vehicle due to the negligence on both Chrysler Capital XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX behalf. During the time of pickup, Chrysler Capital failed to abide by Maryland state laws regarding repossession. Also during this time frame, after contacting U.S. Department of Transportation XXXX XXXX XXXX XXXX XXXX I also discovered XXXX is actually in lapse on insurance protection against property towed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
I have medical issues and I requested a forbearance. I was told, a homeowner can only get a forbearance for covid related issues. However on the loan care website it lists other reasons that qualify for mortgage relief. Loan care is not working with me to ensure I have the best option available to me. I have everyday for the past week and each representative gives me different information. some say I qualify for a forbearance for medical issues but loan care only sent me paperwork for a loan modification which is only like a {$150.00} reduction, this is not a big help for me seeing as how I am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just want to be treated fairly and given the options available to homeowners who are struggling to pay their mortgage.

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Ive tried to get XXXX to send me my credit report for over 4 weeks. Im unable to access my reports ( XXXX ) online (? ). XXXX agreed to mail the report ; and have a supervisor call me within 72 hours, Still no report and no phone call. 

My name is incorrect on Equifax and XXXX My name is XXXX XXXX XXXX NOT XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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:
Hi I opened a chase business bank account and deposited a check for my business on XX/XX/10, after 2 business days the money was cleared and available to use but my account had been restricted. I reached out to chase and they said they had to verify the funds with the issuer. I spoke to the issuer XXXX from XXXX XXXX and she told me chase reached out to her and she cleared the funds. I call chase later to be ambushed with questions of why I was receiving a check for that amount I immediately felt disrespected and gave them my info. A day later I get a call from chase that they couldnt verify the funds and they would be closing my account with no explanation this is inconvenient and my money is sitting in a restricted account that I cant access, please help me or let me know what I should do. Attached I have documents of everything, my business name is XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
We ( My husband and I ) bought a house and closed on the purchase earlier than we anticipated. Notified the property manager where we lived of this development and that we will be terminating the lease in XXXX of XXXX although our lease was supposed to end in XXXX of XXXX. As we can not afford to be paying a mortgage and a rent. They refused to negotiate with us despite several attempts to do so. We were billed an amount of {$7800.00} which lacked no concrete evidence. We still made several attempts to negotiate with them telling them to remove charges that were not ours, so we could pay what we are liable for but they never did. The debt was sold to a credit company called National Credit Sytems, one of their bill collectors called us and told us to just start paying in a rude manner. We took our time to tell her about the charges that were billed to us which lacked no basis, but she stated in her words 'I am not having this ' and cut the call short. Every time I or my husband called her, she made sure to threaten us with that statement ; I am putting this on your credit report in XXXX. I called her at another time and the first few responses from her to me was I am putting this on your credit report. 
Please note that we got the notice XX/XX/XXXX of XXXX, wrote XXXX letters to the bill collector who was handling our account at National Credit Systems but never got a response. 
Despite that, we went ahead and made payment on the XXXX of XXXX, XXXX so as to show commitment to paying our debt. 
Despite showing reasonable cause and intention to pay our debt, it was reported to the credit bureaus causing damage to our credit report.

My husband called the bill collector in charge and asked why our credit report was showing a debt that is currently being resolved, being paid on and the notice is not even up to 90 days as per the FCRA, her response was 'the payment made was too small which is {$50.00}. Plus, your wife was rude to me, and I told you earlier I will report it to the credit reporting bureaus '. 
For the life of me, I can not understand why someone would say {$50.00} is too small a payment to be made even when it is advised that one should payment that will not cause undue hardship on your finances and leading you into more debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
My credit limit has been reduced 3 times in the last year from {$15000.00} to {$8500.00}. The most recent was on XX/XX/XXXX. My payment history with the company is excellent so there is no reason for the decreases. Their actions are causing my credit score to stay stagnant rather than rise which it should be. As I pay off the card, my credit utilization should be dropping, which in turn would raise my credit score. 

I've spoken to 4 representatives and am being told that there is no one who can restore my previous limit and that I should apply for an increase. The problem is that I won't get approved for an increase if my credit utilization, and this my score stay stagnant, which is purely due to their actions. 

There are 2 statements attached from XX/XX/XXXX and XX/XX/XXXX. Both show a credit limit of {$9500.00}. I don't have a statement from this month, but the limit is currently {$8500.00}.

Company response to consumer: Closed with explanation