vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Locked my account for transactions as well as for existing re-occurring transactions on website and transactions were allowed to post. I called the the XXXX XXXX XXXX XXXX and the lady I spoke to didn't understand why the transactions went through. She said she reset the card and nothing would be able to post. I paid that bill, but was reassured that nothing else would post as long as my card was locked. Once again I receive a bill. I call again on XX/XX/XXXX to complain and tell them to close my card. I was on the phone for sometime with the lady, because she didn't understand how the transactions posted. She kept asking if I was sure I wanted to close my account. I stated yes severely times, and I asked for a conformation letter, which I never received. Thank goodness I never signed up for estatements or I probably wouldn't of notice charges went through again on XX/XX/XXXX and XX/XX/XXXX. I called again as well as sent messages through their website. I asked for this to be escalated as well as a formal complaint be submitted. I wanted to know how transactions post to a closed account. I was once again answered with an apology from someone as baffled as I was. I was told that they did see that my account had been closed and they didn't know how a transaction posted to a closed account. I thought this would of been cleared up ASAP, but no. On XX/XX/XXXX another transaction went through. So, again I message and called which takes a bit of time to actually get to talk to someone. Again I asked to talk to a supervisor and ask that person to go back through my calls as well as the messages that I sent. I was met with another apology and told that they would put through disputes. I again asked for a confirmation letter be sent out on my account being closed on XX/XX/XXXX. I still have not receive. Charges still on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-21 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: FL

Complaint narrative:
CFPB + Experian, On my XX/XX/2022 Experian credit report I noticed there are XXXX unauthorized credit inquiries on my credit report - including XXXX twice, XXXX XXXX XXXX twice, XXXX XXXX XXXX times, and others. 

Attached to this complaint is : - my drivers license - my mailing address - my social security number- my complaint letter - XXXX screen shots of where they are located I would like these XXXX unauthorized credit inquiries removed asap as its damaging my credit.

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 2022-09-21 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: TX

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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, has violated my rights 15 USC 1681 Sections 602 A States I have right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instruction 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Upon applying for a HELOC loan from Bank of America, we were told if approved the bank would be responsible for making the payoff for all the accounts. 
XXXX Bank did not receive a payment for this credit card. the first payment according to bank of America the first payment was mailed on XX/XX/2022, this check was not received by XXXX Bank. A stop payment was placed on this check # XXXX on XX/XX/2022, and a new check ( XXXX ) was issued. 

The second check XXXX, was mailed to XXXX Bank which has no business relation with XXXX. This check was cashed on XX/XX/2022, by XXXX bank and Bank of America representative told me chase cashed on XX/XX/2022, even as I reported that XXXX said they have not received or cashed a check from bank of America. Please the documents and the circle I made at the endorsement of the check. It's now XX/XX/2022, and XXXX still have not received the payment and I was told that my account is in danger of closing.

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 2022-09-21 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: LJ Ross Associates
State: MN

Complaint narrative:
A collection of {$90.00} showed up on my credit report on XX/XX/XXXX for an unpaid XXXX XXXX bill in XX/XX/XXXX. I quit claim deed and was no longer the owner of the property in XX/XX/XXXX. Apparently the tenant of the property did not pay their electric bill in XX/XX/XXXX and XXXX XXXX  filed the collection against me and sent to collections through L.J. Ross & Associates. I filed a dispute with XXXX, XXXX and XXXX. Both XXXX and XXXX confirmed I was not the owner and deleted the collection from my credit report. XXXX has not deleted this collection from the credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's been WELL over XXXX days since my first attempt to get PROOF and MY SIGNATURE and or the ORGINAL application or contract that Okayed any of these companies to view my credit ON ANY DATE or a specific date due to a duplicate inquiry or no consent. 
Legally these inquiries have to be removed!! I have attached the list and all are INCORRECT/INACCURATE/DUPLICATE/NOT APPROVED by me. My last XXXX request to get these removed shows the laws you let these companies and are now violating.. 

Show proof of an open account or the orginal DENIED application with my signiture PLUS proof I wasn't denied due to OTHER INQUIRIES that should had not appeared on my account.

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 2022-09-21 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: Goal Structured Solutions, LLC
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX 15 USC 1681 Section 602 states I have the right to privacy.It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a business account with Chase in XXXX. I have been a chase customer since I was XXXX XXXX XXXX. My company is a web design company. On XX/XX/XXXX, I received a letter on my business account saying " We placed a hold on a recent deposit '' for a deposit of {$300.00} on XX/XX/XXXX stating the amount will be placed on XX/XX/XXXX. Also the same day, I received another letter saying " You can not use your account ( s ) and we will close it soon. '' This was caused " of recent activity on the account, or because you didn't provide information we requested. '' They could not provide me any good reason. The customer service rep told me I should be receiving a check for the amount of {$9600.00} in 10 days. After 2 weeks, I went inside a Chase Branch and women that was helping me called the fraud department and they said they are reviewing the funds and will release it once it has been reviewed. Every month I would call the fraud department to get an update and they would say " it's still under review. '' Just recently, One representative told me some of the funds have been approved and some were sent back due to chargeback. I called again and Another representative told me that all funds were charge backed except for 2 which was a total of {$500.00}. Both of these representatives in the fraud department have been telling two different stories. Chase has never sent me another letter since XX/XX/XXXX. I have not been updated on any of the procedure they were doing unless I called. If chargeback did occur, I have not received one chargeback letter from Chase regarding the amount or which customer. I have not been updated which check are being reviewed. I have fulfilled all these customers orders with my own funds without knowing if I received a chargeback or not. Since then, I have put my business on hold/pause, because I can not run a business like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
On XX/XX/22 I called US Bank about closing the escrow account on my mortgage. Loan is more than 9 years old and loan to home value is less than 25 %. Representative said I can close the escrow account but required that I pay a fee of about {$660.00} to do so. It doesn't sound right that the customer needs to pay a fee to close the account.

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 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I sold a XXXX XXXX to XXXX XXXX, his XXXX, and his XXXX, XXXX XXXX, using XXXX on XX/XX/2022 for {$650.00} in XXXX, OK. On XX/XX/2022, about a month after the transaction had been finalized, the buyer then notified their bank that the purchase was an unauthorized charge. XXXX also has blocked me on XXXX, which most normal buyers don't do unless they are up to no good. XXXX was unable/unwilling to help me and their sole purpose was recouping the amount owed, and sought to have me pay a total of {$660.00} to settle my account. I consider myself a victim of fraud/theft as I have logs from XXXX stating XXXX XXXX, his XXXX, and himself were on board with the purchase, so I reported an XXXX form. I have not heard anything back regarding my filing of the XXXX form. I have also filed a complaint with XXXX XXXX. I have video footage of the meetup with the XXXX who came to pick it up, and pictures of the chat logs. I am on limited income and XXXX due to having a XXXX and a chronic XXXX. I was trying to earn a little extra money to pay for my expensive medicine, I don't have the income to take a {$660.00} hit to my finances and pay for their fraudulent actions. I tried to attach the video but the file exceeds the XXXX limit, if it is required I am more than happy to show that as evidence as well. I have attached the relevant chat logs. 

Reference # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had deposited a check for {$1400.00} from my XXXX trust company in XXXX via Chase mobile deposit. The maker of check confirmed payment of the check that was paid on XX/XX/2022 off of a JP Morgan Account ( also Chase bank ). I have been making calls for several months ( XXXX XXXX XXXX ) between Chase XXXX dept. , the trust company that issued the check, my XXXX, our XXXX reps/account managers, went to my local Chase Bank with no luck on getting this resolved or my money. I have provided Chase with several telephone numbers to " verify my check '' although they confirmed the fund availability was not the issue. They just wanted a # of the maker that was on their file so they can confirm that the maker can say that they issued the check to me. 
How is it possible that Chase can't verify between two customer accounts??? I'm a Chase account holder & the issuer of the check is a JP Morgan account holder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because I am disputing the information is not accurate on my credit report against Transunion.

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 2022-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint to remove inaccurate information from my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: CA

Complaint narrative:
Equifax has violated its privacy policy furnishing false information on my credit report with out my consent. breached my information and furnished a fake score which resulted in higher interest rates, and denied credit these accounts are being reported as a result of identity theft and i want them removed immediately as well as compensate me for the damages that ive suffered because of their negligence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the rediculous amount of inquiries on my report i never authorized or consented to need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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 Account # XXXXXXXX XXXX, Account # XXXX XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX ), Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account # XXXX XXXXXXXX XXXX, Account # XXXXXXXX XXXX XXXX has all 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 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 explanation
Consumer complaint received 2022-09-21 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  Account # XXXX XXXX, Account # XXXX XXXXXXXX XXXX  ( XXXX XXXXXXXX XXXX XXXX ), Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ), Account # XXXX XXXXXXXX XXXX, Account # XXXXXXXX XXXX XXXX has all 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
PNC bank assumed my mortgage from another provider for my condo. They have been insistent on me having additional insurance over and above the master condo policy, which covers full replacement of my condo. Why ; beats me. I have had to place XXXX phone calls to them, and they simply do not listen, or even seem to understand basic insurance terms and policies. They called my insurance company in a lame attempt to clear this up, left a call back message, and then refused to take the call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: FL

Complaint narrative:
They have repeated called numerous times in an attempt to a collect. I am requesting no future communication from this debt collector

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: TN

Complaint narrative:
Within 2018 and present and even before, Ive received a lot of pre approval emails as well as notifications on credit karma website/application. I was apparently pre approved for credit cards, personal loans, auto loans and refinancing. I received these offers almost daily and especially whenever I would log in. With all the offers I was getting from credit karma I thought I had great opportunities for my family and I. So I applied multiple times for credit cards, personal loans and auto loan a couple of times thinking I was approved which was clearly a lie in which hindered me from accomplishing plans I made for me and my family due to being pre approved and left me worse off than before with destroyed plans, a ton of hard inquiries and a lowered credit score. This interaction with credit karma cause a lot of harm to me I was depressed for my credit being dropped whilst I was working so hard to lift it up let alone the plans that couldnt be achieved in pursuant to better my life because I was lied and tricked into doing something that I thought would better my life but in turn helped to devastate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I was told that the account would be fully removed from credit upon payment. It has been XXXX weeks and the account is still reporting. Please remove the Coll bureau collection from the credit as it a fully paid medical collection and should be removed. Please see confirmation of payment attached. The account was settled for {$1000.00} and paid

Company response to consumer: Closed with non-monetary relief