vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-15 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: NC

Complaint narrative:
To Whom It May Concern : Equifax, XXXX, and XXXX are still in violation of XXXX USC 1681 b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer. 
I, THE CONSUMER, have never given Equifax, XXXX, and XXXX any written consent to report anything on my consumer report. No consent is identity theft. I have filed an identity theft report through reportfraud.ftc.gov ( report number ending in # XXXX ) that states there are 15 accounts being illegally furnished on my consumer report. 

I demand that Equifax, XXXX, and XXXX remove these inaccuracies from my consumer report. I will not extend my credit to anyone or allow Equifax, XXXX, and XXXX to furnish a report for me. I state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By Equifax, XXXX, and XXXX allowing inaccuracies to be furnished on my consumer report, has caused me to lose confidence in the banking system. Equifax, XXXX, and XXXX must delete these inaccurate accounts from my consumer report if they want to continue doing business with me. 

Below are the accounts that Equifax, XXXX, and XXXX need to remove immediately : Department of ED/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXXXXXX ( XXXX accounts ) XXXX XXXX XXXX XXXXXXXX XXXX Department of EDU XXXX XXXX XXXX Department of EDU XXXX XXXX XXXX XXXX XXXXXXXX I have also filed previous CFPB reports on Equifax, XXXX, and XXXX for the same issue and have been accused of using third-party assistance which has never been the case. Equifax, XXXX, and XXXX have employed multiple deflection and stall tactics to delay removing the accounts listed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX amountXXXX  XXXX   acc# XXXX*capital one XXXX XXXX acc# XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
These companies continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address companies use to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX XXXX XX/XX/XXXX ( XXXX ) Associated with fraudulent po box

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 2022-05-15 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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. XXXX XXXX XXXXXXXX XXXX, fl XXXX XXXX XXXX {$740.00} Acount XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX. Fhone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: AMERIS BANCORP
State: CA

Complaint narrative:
Companies continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address they use to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - XXXX XXXX XXXXXX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX  XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX XXXX XX/XX/XXXX ( XXXX ) Associated with fraudulent po box

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: UT

Complaint narrative:
XXXX XXXX XXXX reported a collection for $ XXXX to the bureaus in XXXX, for a debt in XXXX. Theyre claiming I paid nothing on the debt ( taken out XX/XX/XXXX ) but state the delinquency occurred XX/XX/XXXX three years later. The document does not have a grace period of three years, so that timelines is impossible. I pointed that out ; it was not fixed. I pointed out that the original debtor had 90 days from the date of delinquency to report/sell the debt, and the collector 90 days to report it- it was not fixed. At this point, my problem is with XXXX AND the credit bureaus ( mainly Experian and XXXX ) because Ive disputed it maybe XXXX, with supporting documents, to no avail. I am entitled to be represented accurately by the bureaus, instead Ive received letters refusing to even look at my disputes- even if I did provide supporting evidence.

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 2022-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase has predatory practices when it comes to overdraft fees and insufficient funds. While most banks will allow you to stop overdrafts by declining charges that come through when you do not have the funds to cover it, chase continues to allow it to occur. I have requested with representatives numerous times to not allow this, however it has continued to occur. Additionally, if multiple items come through at the same time, you will be charged a fee for each individual item, instead of a fee for the occurrence. Which is also extremely predatory. For example, say I had {$80.00} and bought {$80.00} in groceries, say another transaction posts before this for {$150.00}. I will be charged two fees instead of one had my intended charge came through as expected. Normally I understand overdraft fees are due to the individual not having enough funds, but the way it is practiced with chase is to take advantage of the consumer. At this point I have over {$500.00} in fees they refuse to waive. As this is almost a paycheck for me, their practices will just continue to snowball my account. Additionally their customer service refuses to help in any regard, no over draft protection and refuse to waive fees. Choose to bank elsewhere that has better account protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Follow up to a complaint you closed. Chase has not given my money back in accordance with their own agreements. They said in accordance with " XXXX '' they had no right to hold funds in savings account. See XXXX XXXX XXXX Chase consistently holds funds. Their attitude is if you put money in, it is up to them if they want to give it back. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX ' banks investigated and several days later returned the money, but their accounts were nearly drained during that time. 

XXXX said his bank, Chase, did not send a refund, but when the I-Team got involved Chase said : " We reviewed XXXX XXXX 's XXXX and made sure his funds were returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: GA

Complaint narrative:
The following inquiries are not authorised by myself. 
1. XXXX XXXX XXXX XX/XX/XXXX 2XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4.XXXX  XX/XX/XXXX 5.XXXX  XX/XX/XXXX 6. XXXX XX/XX/XXXX 7.XXXX XXXX XXXX XXXXXX/XX/XXXX 8. XXXX XX/XX/XXXX 9.XXXX  XX/XX/XXXX 10.XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: GA

Complaint narrative:
The following inquiries are not authorised by myself. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
XXXX of year 2017, for Consumer Portfolio Services , Inc. Offer me a loan for XXXX XXXX and 72 months to pay it off with high interest. Considering the circumstances, I sign the contract. Fast forward Im in my 5 year and was very excited that I was only 1 year too pay this loan off after I paid over XXXX. I was disappointed that the company gave me a statement provided that I still owe XXXX and after I call stated my payoff will be a couple of years from now. I am a hard working XXXX that pay the bill on time and very accountable and dependable. This is company need high attention and investigation. Totally untrustworthy, harassing, fraud, embarrassing, most important negligence of contract. Provide false statements on bills to me and perhaps other customers need to stop and respect good clients that pays there bills not to be ripped off, please support, thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I excercised my rights under the Fair Credit Reporting Act Section 611 ( a ) ( 6 ) and ( 7 ) and requested of Experian there method of verification as it pertains to a XXXX XXXX XXXX account that was been reported on my credit report. They got my request on XX/XX/XXXX and the Fair Credit Reporting Act states that the credit bureau should provide me with such information within 15 days of getting that request. Up to today XX/XX/XXXX Experian has not sent me the method of verification used to determine the accuracy of a XXXX XXXX XXXXXXXX account that has been reported on my credit report. This is a clear FCRA violation. During the past year I have filed numerous complaints about this but they have ignored my complaints. The XXXX XXXX XXXXXXXX account continues to be reported incorrectly on my credit report. The Fair Credit reporting Act clearly states that if the credit bureau fails to provide there method of verification within 15 days of the request been made then the account should be deleted from the person 's credit report. 
Kindly delete XXXX XXXX XXXXXXXX from my account immediately. I have enclosed a copy of the letter I sent to experian requesting the method of verification. I have also enclosed a copy of the receipt from the postal service showing that Experian got my request for the method of verification on XX/XX/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 2022-05-15 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: Aldous & Associates, PLLC
State: NY

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

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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 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. Code 1681 a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681 b ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I was on a mortgage forbearance plan with Mortgage XXXX XXXX From XXXX of XXXX until XXXX of XXXX. When I opted to come out of the plan and start making mortgage payment my loan was sold to BSI Financial. On XX/XX/XXXX Mortgage XXXX XXXX  sent over my new agreement to the company. Which was a new balance of XXXX, monthly payments of XXXX until XXXX XXXX at a 3 % rate. Well in XXXX BSI Financial sent me a bill for XXXX. I immediately called and explained that i signed a contract and if I previously owed XXXX due to the forbearance plan I no linger owe that amount. I was sent to the voice mail of XXXX XXXX ( who was over my file ) .Who assured me everything will be updated in the system once processing processes everything. After XXXX passing and still no update I called Mortgage XXXX XXXX and they advised me it shouldn't be taking BSI XXXX this long to update your new contract. So I called BSI Financial and left several voicemails for XXXX with no call backs. I was transferred to a customer service manager XXXX XXXX who assured me he would email XXXX and cc her manager XXXX XXXX who has yet to follow up with me as far as why hasn't my account been updated. Due to the lack of follow up and poor communication skills and the system reading the wrong information I have been scarred to make a payment. When I put my ego aside in XXXX and called to make a payment the rep advised me she couldn't take my payment due to the status of the loan and she then proceeded to forward my call to XXXX to make a payment but per usual she does not answer. I am hoping you all could potentially speak to someone higher up in the company so that my account can be updated. We are 5 months into the year and it should not take this long for them to update the amount I owe them. I am asking for all late fees they have on my account be removed due to their lack of processing and any payments that was supposed to start be placed to the back of the loan because they failed to update there system making me feel comfortable enough to make a payment. i did not feel confident that this company would forward my payments mad correctly once the system was updated and I did not want to put myself through any further headache or stress with this comoany

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # have violated my rights. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX # have violated my rights. 

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 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

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 2022-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
This complaint is regarding First Tech federal credit union An account was set up in a real estate closing transaction ( not my choice to set up ). 
The account has only {$5.00} in it and as such I have tried to close the account on several occasions. Each time I am assured that the account will be closed, but then I get another statement in the mail, still showing a {$5.00} credit balance. 

XX/XX/XXXX Spoke to XXXX who said he would close the account and mail a check in XXXX business days XX/XX/XXXX Spoke to XXXX who XXXX she would " reactivate and close the account '' and that I would receive a cashier 's check in XXXX business days XX/XX/XXXX Called to cancel, I don't have further notes other than that I had received an automated callback

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