vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Over four months ago, I contacted Chase Bank regarding two credit card accounts that belonged to my deceased brother, XXXX XXXX XXXX XXXX, SS # XXXX, who passed away back in XXXX. Since I am the executor of his estate, the purpose of my follow up with them was to obtain 1099Cs for discharged of his alleged debts so that I could file his final tax returns for XXXX. Chase Bank was kind enough to do this and they forwarded three 1099Cs which I used to file my brothers taxes. ( copy attached ) Unfortunately Chase Bank continues to report on my brothers credit reports that he still owes them on these two accounts even though they clearly have discharged them. My accountants and consumer protect attorneys have advised me that regardless of the issuance of 1099Cs, Chase Bank is still in the position to either attempt to collect or sell off these debts to a third party as long as they are reporting these accounts to the credit agencies and while these accounts appears on his credit reports. While I do not think that this a malicious act by Chase Bank nor their intention, I am nevertheless concerned about dealing with this subject in the future as my brothers estate is empty of any money and closed. I mailed and also faxed a letter to Chase Bank on this matter on XX/XX/XXXX ( copy attached ). On XX/XX/XXXX, I followed up with Chase Bank and after an hour of being transferred to half a dozen departments and twice that number of confused representatives, I talked to XXXX, a manager in the Credit Bureau Escalation Department, who told be that while company policy is not to pursue these types of debt, he could not issue a written pledge to back that up. He guessed that the IRS would direct them to remove the account once the 1099Cs went through the system. When I told him it was his company reporting these debts and they could simply stop reporting them, he seemed befuddled and had no answer. As of today these accounts are still being reported to the credit reporting agencies despite what Chase Bank is saying. Their inability to correct this problem is disconcerting to me and so I am turning to the FCRA to assist in getting them to put an end to this matter by ceasing to report these closed and discharged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I deposited two checks in the amount of {$4900.00} and {$1000.00}. Initially I was told it would take XXXX to 5 days to clear. The funds were available the very next day. I used {$1000.00} of it to make a payment and verified with the customer service agent that the funds were available. A couple of hours later the bank put a hold on the funds and told me XXXX to 5 days. I went into the branch near my house in XXXX, Ohio on XXXX XXXX. They called the XXXX XXXX branch in XXXX, Ohio and were told the funds would be available in 5 days. After 5 days the funds were not still not available. I called customer service who in turn called the XXXX XXXX branch. The XXXX extended the hold to 10 days. I'm sorry but it does not take 10 days to verify a check from the United States. They can easily verify the account and the funds. At this point I regard this as some kind of discrimination. I will be closing my pnc account for good due to this decision by the XXXX XXXX bank manager. I've been banking with them since they took over National city and I am very dissatisfied with them. The fact you now have to go over heels half acre to cash a check is utterly disgusting. They wouldn't stop an unverified XXXX XXXX  transaction from a skimmer scam but want to monkey wrench my valid deposits

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX and XXXX and XXXX XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX  and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX, Account Name # 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-04-03 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: TX

Complaint narrative:
on XX/XX/XXXX, XXXX XXXX XXXX XXXX  add a derogatory mark on my credit report per XXXX XXXX and Experian and XXXX XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX, Account Name # 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX a wire transfer was made by me to Bank of America as a refund for a supposedly mistake made in a deposit to my bank account. This occured when I saw a false bill on my XXXX account. I called XXXX after I sign into my account. They switched me to fraud and I was transferred to a man who was going to fix it. He sent me a form to fill out on my computer. I put the amount of {$500.00} and their side showed it as being a {$50000.00} refund to me by mistake. It showed in my checking account for a day and while it was there they asked me to transfer the money back in XXXX payments ( first payment was {$39000.00} ) so it would not be handle as a business payment that would have been subject to federal taxes. Now keep in mind I was transferred to this person while I was on the phone with XXXX and yes it was the correct phone number. The money was transferred to an account at Bank of America at XXXX XXXX XXXX, XXXX XXXX CA. Name on account was XXXX XXXX account # XXXX Routing Number XXXX. After I transfer the money their deposit no longer showed on my statement and the money was taken from my personal funds. So I lost {$39000.00}. This was on a Friday, when I saw their money was no longer in my account and I was out {$39000.00} out of my account I called my bank and had them report as wire fraud. So I got a letter from my bank that Bank of America sent saying the following : Greetings, Thank you for contacting the Bank of America XXXX XXXX XXXX. Your claim number is as follows XXXX is in process of actively being worked by assigned analyst. A claim such as this can take up to XXXX business days to resolve., however, there may be circumstances which may cause the resolution time to be longer. We are working hard to get your claim resolved as soon as possible. 
Regards, Bank of America XXXX XXXX XXXX XXXX Bank of America : Proprietary and confidential. 

Please Do Not Reply-This is a System Generated My bank has tried calling I have tried calling and you can never get through to anyone. I am frustrated in the fact I can not get any resolve on this issue or information on this. As far as XXXX switching me to there fraud dept I can't get any resolve there either.

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 2023-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
I was out of work due to COVID so I fell behind and I feel that I was taken advantage of during such a hard time. This debt has been sold to another company and I am no longer liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was contacted by a debt collector who said they sent a formal letter to an old address. I have not lived in that address nor do I own that house for over 6 years. I contacted transworld and my former employer multiple times but have yet to receive any documentation as to the debt owed, where to pay it, etc. I specifically requested a letter to be sent to my new residence on XXXX ( request to XXXX XXXX ) and XXXX ( request to Transworld ) and have not received it. I called Tansworld again today ( XXXX ) and they gave me the same speech ( they do not know when it will be sent out ) and then once I mentioned a lawyer, their connection became " unaudiable ''. I tried to call back 5 times and no one answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had spoken to Capital One multiple times before the beginning of 2022 informing them that I was struggling to make payments due to loss of employment and lack of financial income. At the time, my fiance was using the card ending in XXXX to pay for school and her own bills. She could not afford to make payments and due to my loss of income and employment, neither could I. 

Unfortunately, this account went late and eventually went to charge off status. I have sense paid this account and would like to ask that the lates be removed so that I can try and get my son and I a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Bureau, I have noticed on my credit report a publi

c record Bankruptcy that doesnt belong to me. I have already contacted the Court and received a letter from them saying that they dont report any Information to Credit Bureaus . Also they do not even have a case number on my name, which proves that I do not have a Bankruptcy. So it should be deleted from my credit report. I require you to delete and block all the information related to this record. Thank y
ou!

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 2023-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX to negotiate a debt. I attended XXXX XXXX University  during XXXX and dropped a class within the drop period. XXXX billed me for the class anyway. I dropped the class over the phone so I can not provide proof that I was within the approved time frame. I disagree with this debt entirely, but I was denied for a business loan because of this collection account. XXXX XXXX XXXX agreed to accept {$1900.00} to pay for delete from my credit report. I've filed several disputes to have this account updated to paid and removed as a collection account. All three bureaus have denied my requests saying that XXXX XXXX is reporting this account as unpaid.

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 2023-04-03 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: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX to negotiate a debt. I attended XXXX XXXX University  during XXXX and dropped a class within the drop period. XXXX billed me for the class anyway. I dropped the class over the phone so I can not provide proof that I was within the approved time frame. I disagree with this debt entirely, but I was denied for a business loan because of this collection account. XXXX XXXX XXXX agreed to accept {$1900.00} to pay for delete from my credit report. I've filed several disputes to have this account updated to paid and removed as a collection account. All three bureaus have denied my requests saying that XXXX XXXX is reporting this account as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: Integra Auto Capital
State: MI

Complaint narrative:
Integra Auto Capital LLC has reported incorrectly and falsely to XXXX that I have XXXX. Missed payments XXXX have been XXXX days late and an incorrect balance. I have never missed a payment nor have I been XXXX late as reflected on my report. They went months XXXX months without reporting anything I bring it to their attention and next day it pops up as missed payments. This has severely depressed me I am in the process of home buying and now this. I feel cheated and unfair. They have high payments already and no grace period after XXXX late you are charged a hefty late fee and after XXXX car is repossessed so how was I XXXX missed payments but balance decreased by thousands

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 2023-04-03 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There's incorrect Personal Information 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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There's incorrect Personal Information on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: CA

Complaint narrative:
I am run my credit last month and I found one account I don't have any relation with it I believe this is a fraud or Identity theft and I help with this fraudulent account remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/2023 got a letter stating someone tried opening a chase freedom credit card in my name, wasn't me. Called chase canceled the app and they sent me to this site to just get you guys involved incase anything else 's happens that isn't me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: AZ

Complaint narrative:
In accordance with the Fair Credit Report act XXXX XXXX XXXX  XXXX XXXX # XXXX, Collections : XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
Guild Mortgage company has misplaced, rejected and/or refused to credit my mortgage account payments on a timely basis. In addition, they will not respond to my requests for a full accounting of my loan account and escrow account. They do not provide escrow account information with their statements online as promised and required by regulators. 

I have asked that they terminate my escrow account and they won't respond. I have attempted to resolve this ongoing accounting discrepancy for over three weeks and Guild will not cooperate. They have " call centers '' and remote workers who keep avoiding any type of return call or replies to inquiries. 

Before I file litigation, I am attempting to use the help of regulators to force Guild to provide required customer responses. 

Thank you

Company response to consumer: Closed with explanation