vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My name was on business cards for XXXX XXXX XXXX. My husband and I owned this business together. We separated last year and I have not had access to the business information since the end of last year. He bought the business in the divorce in XXXX. I have sent in and he has also sent in forms to switch the business cards into his name. I have faxed and mailed them several times within the 6 months. Chase has not transferred the ownership although they had everything they needed. My name is not even on the business anymore. He stopped paying the cards since they are in my name and it just went on my credit. This should have been resolved a long time ago and he would be paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX They have yet to provide me with the original application as requested. This is my third attempt to remove as this was not my account nor can the company provide proof. I demand that this " charge-off '' in the amount of {$300.00} be removed immediately. This has been ongoing since 2018.

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX  XXXX They have yet to provide me with the original application as requested. This is my third attempt to remove as this was not my account nor can the company provide proof. I demand that this " charge-off '' in the amount of {$300.00} be removed immediately. This has been ongoing since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Alaska XXXX BOA Visa card false advertising. Prior to opening card, I wanted to use it ASAP I called Alaska XXXX on XX/XX/XXXX @ XXXX. They returned my call at XXXX stating to call Bank of America. No phone number provided. I reread their advertisement. I called my sister that had recently open a card and verified she received acct # valid thru date and Sec code and was able to use right away. She verified she received this information and used the card instantly. I applied and open card XX/XX/XXXX. I did a test purchase at XXXX for {$21.00}. It went thru. I then waiting in line to purchase ticket to an event. My turn came I provided the information to XXXXL for a purchase of {$1700.00}. My card was rejected. I purchased the tickets on another card with no problem. Later that day I receive a notice that my new card was rejected by XXXX as well. I reason I opened this card at this time was knowing I would be making a large purchase to qualify for the required {$2000.00} in purchases to earn XXXX bonus points toward a free ticket. I sent a complain to Alaska XXXX and spoke with them on XX/XX/XXXX, I was told to talk to BOA. On XX/XX/XXXX I called BOA and spoke to 4 people. I was told, maybe the charge was rejected due to the amount. I've had another BOA credit card since 2000. I have a high 700+credit score. I asked if they would do a credit card transfer of {$1700.00} to payoff card, I had to use due to their card rejection and show it as a purchase so I would qualify for the requirements purchase advertised. They said they would charge me a fee and it would not qualify for a purchase. I feel this is false advertising and I was penalized by their poor judgement and would not work with me to correct their error. Their advertising is false if you can not use the card as published. At this time I should qualify for the XXXX  bonus mileage points but I do not due to BOA errors and Alaska XXXX false advertising. I feel I am not the first person this has happened to.

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 2022-10-05 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: DISCOVER BANK
State: TX

Complaint narrative:
I paid off discover bank as it went into collections status. I advised that I would pay the settled amount and provided the deletion letter as requested. I had advised XXXX with Discover that I fell behind due to my wife having XXXX XXXX. She was unable to work and I had to focus on household bills, medical bills, medication and treatments as well as our children. I provided my reasoning with the letter, XXXX spoke with a manager and they agreed to remove this as a derogatory from all 3 credit agencies. I've sent the request to XXXX, XXXX  and XXXX with no corrections being made. I've filed a complain with the XXXX and now the CFPB before taking legal action. This is hindering me from being able to move forward in my job and purchase a home. I need this deleted as stated it would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: CO

Complaint narrative:
I HAVE CONTACTED EXPERIAN AND XXXX IN REGARDS TO THE FRAUD. 

I HAVE ASKED EXPERIAN TO PROVIDE ME WITH INFORMATION ABOUT THE ACCOUNT AND THE METHODS USED TO VERIFY THE SAID ACCOUNT. EXPERIAN HAS BEEN PROVIDED VALID POLICE AND FTC AND ID THEFT AFFIDAVITS. 
EXPERIAN DOES NOT VERIFY THE ACCOUNTS IN ACCORDANCE TO THE FCRA I HAVE REVIEWED MY CREDIT PROFILE AND NOTICED THE INACCURACIES AND/OR INCOMPLETE INFORMATION, AND ACCOUNTS THAT ARE UN-VERIFIED. ACCORDING TO THE FCRA SECTION 611 5 A OF THE FCRA YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPLETE OR WHICH CAN NOT BE VERIFIED. 

ITS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C. 1681 EVREY SINGLE ONE EVEN EACH ANY OR ALL OF THE UNPROVEN NON COMPLIANT INCOMPLETE UNTURE, INCORRECT AND OR UNVERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIREITY OR THE ALLEGED ACCOUNTS ARE TO BE COMPLETLY DELETED I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL WITH THE PERMAMENT DELETION OF THESE DEGRATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFACTION THAT YOU ARE ADHERING TO THE MANDATED METRO 2 DATA FORMATTED REPORTING STANDARDS ACCORDING TO REULATIONS. 

THE FOLLOWING DEGRATORY ACCOUNTS ARE ALLEGATIONS ARE EITHER UNTRUE UNVERIFIED, INCORRECT, UNTIMELY, NOT MINE, NOT MY RESPONSIBLITY OR OTHERWISE NOT PROVEN COMPLIANT TO REGULATORY FEDERAL REPORTING LAWS AND STANDARDS AND MUST BE REMOVE IMMEDIATELY DO SO TODAY EVEN RIGHT NOW THE OBVIOUS INFRACTIONS AS FOLLOWS ALLEGING CREDITOR AS IS REPORTED ON MY CREDIT REPORT IS XXXX ACCOUNT XXXX THIS ACCOUNT IS FRAUD. EXPERIAN HAS BEEN GIVEN FTC REPORTS, POLICE REPORTS, ID THEFT AFFIVADTS AS PART OF FRAUD. 

XXXX XXXX XXXX ACCT XXXX EXPERIAN HAS BEEN GIVEN POLICE REPORTS OF FRAUD AND FTC REPORTS AND ID THEFT AFFIVADTS AS WELL BY THE PROVISIONS OF THE FCRA AND PER THE STANDARDS OF REPORTING COMPLANCE IMPLEMENTED WITH THE CRSA ENACTED XXXX METRO 2 COMPLIANCE REQULATIONS, I DEMAND THAT THESE ABOVE ACCOUNTS MENTIONED DEGRAFATORY ITEMS BE INVESTIGATED AND PREMANTELY REMOVED FROM MY REPORT. 

I AWAIT YOUR REPLY AND WITH THE ABOVE REQUESTED PROOF UPOIN RECEVING IT I WILL CORRESPOND BACK WITH YOU BY CERIFIED MAIL

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 2022-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: TN

Complaint narrative:
I purchased a XXXX XXXX XXXX # XXXX on XX/XX/2022 I had an auto loan with XXXX, but refinanced it with XXXX XXXX XXXX XXXX. XXXX was paid off on XX/XX/2022 and they sent a lien release on the title. However, XXXX XXXX XXXX XXXX still can not place a lien on the title because the title is not clean. I reached out to XXXX XXXX XXXX 's XXXX in XXXX XXXX, TN to find out why there is no clean title. Per the XXXX XXXX XXXX, the current lienholder on the title is Carvana. I do not owe Carvana money on this car, nor have I ever. Carvana should not be the lienholder since financing was never done with them. I reached out to Carvana back in XXXX when XXXX told me that Carvana would never release the title to them. Carvana stated they didn't have it. No one has ever been able to obtain a title to this car. Today I found it it was because Carvana is in fact listed on that title as the lienholder. In essence, they are blocking the actual bank that is financing this car, XXXX XXXX XXXX XXXX, from placing their security XXXX on it, resulting in me having an unsecured loan. XXXX XXXX XXXX XXXX is telling me now that since I can not produce a clean title, my interest rate is going to go up, which will result in a payment increase of over $ XXXX. It is not fair that I have to pay an unsecured interest rate on a car that Carvana will not release the title to. They sold me the car, it should have a clean title. XXXX XXXX XXXX XXXX wants me to resolve the issue and get their title to them. I don't know how at this point. I need some help with this. I am just now finding out that Carvana is in fact the problem, as they made themselves the lienholder during titling and never released it. 

XXXX XXXX XXXX XXXX XXXX XXXX department located at XXXX keeps sending me letters stating I need to give them information so they can place the lien. I am unable to make that happen. Carvana is the only one who can because they are listed as lienholder. Now XXXX XXXX XXXX XXXX has sent me a letter referencing account # XXXX saying my APR is going up. I was told verbally on the phone 2 weeks ago that they have waited long enough and my rate is set to increase on the next billing cycle. I feel helpless because no one involved will help me. I can't afford to pay additional payment amounts because Carvana wants to tie my title up and won't make an effort to release it. 

XXXX XXXX XXXX XXXX will only communicate by snail mail, no email, so every time they have sent me a letter or form, the difference in postmark date VS receipt date is over 20 days. Time is of the essence with this and every time I think it is resolved, I get another letter from them that has been in USPS route for over 20 days from CA to TN. A phone call or email would be nice, but every single step is snail mail. This has had a great contribution to the time delays with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I submitted a dispute for this collections on XX/XX/XXXX through the Equifax online portal. This debt is not mine I am a victim of identify theft. The dispute results returned from Equifax on XX/XX/XXXX did not address the issue of theft. Instead they wrote to say that the dispute has been validated as accurate and the balance was updated from {$400.00} to {$410.00}. This collections account has been removed from all other agencies except Equifax. 
But I am unable to submit another dispute as the item online shows as dispute not available. 

XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX for a balance of {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: NC

Complaint narrative:
On XX/XX/2022 I mailed the consumer reporting agencies notifying them about three consumer credit transaction accounts that they are reporting on my consumer reports without my consent or authorization. It is to my knowledge that consumer reporting agencies are prohibited by law to report any consumer credit transactions, factual information, or information solely to transactions between the consumer and the person making the report. The three consumer credit transaction accounts are for my personal, family and household purposes and I do not want my private and personal transactions and experiences furnished on my consumer report for public use with my written consent or authorization in which I do not benefit from. It is the consumer reporting agencies duty and responsibility to abide by the Fair Credit Reporting Act, display fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA provided a letter indicating that they have chosen to close my checking account in ( approximate timeline ) XX/XX/XXXX without providing a reason. Upon calling USAA to try and resolve the issue, four different representatives were not able to find a reason as to why USAA exercised its right to no longer do banking business with me ; or that they were not allowed to disclose the reason. I was a loyal customer of USAA for nearly 20 years of my military career and had to move my funds to another bank. There was no opportunity to resolve the issue ( i.e., was it that not enough funds were in the account, was a signature missing, was my address not updated? ). After getting married recently in XXXX, my spouse who is also XXXX XXXX military set up a joint USAA account for us. I received a letter on XXXX XX/XX/XXXX indicating that after careful evaluation, USAA is exercising its right to no longer do banking business with me, with an effective close date of one month from the date of the letter. After calling USAA again, the response from XXXX representatives ranged from : " If USAA decides not to be your friend, then there is nothing you can do '' to " we are not even told the reason so we are unable to tell you the reason. '' This really begs the question of whether USAA is using some black box algorithm to flag accounts and there is not a human in the loop to actually go in and make sure that what is being flagged makes sense. There should be a reason provided as to why accounts are being closed, and an opportunity to remedy. Also, after my spouse ( who has been with USAA for over 15 years ) indicated that if we are not able to have a joint account that we will no longer do business with USAA. XXXX representative said thank you, have a nice day and the other offered to help close the accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: CO

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S. Code 1681 section 602 states I have the right to privacy. 15 U.S. Code 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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 2022-10-05 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, this creditor has violated my rights under 15 U.S. Code 1681 section 602 states I have the right to privacy. 15 U.S. Code 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I paid off XXXX XXXX as it went into collections status. I advised that I would pay the settled amount and provided the deletion letter as requested. I had advised XXXX with XXXX that I fell behind due to my wife having XXXX XXXX. She was unable to work and I had to focus on household bills, medical bills, medication and treatments as well as our children. I provided my reasoning with the letter, XXXX spoke with a manager and they agreed to remove this as a derogatory from all 3 credit agencies. I've sent the request to transunion, XXXX  and XXXX with no corrections being made. I've filed a complain with the XXXX and now the CFPB before taking legal action. This is hindering me from being able to move forward in my job and purchase a home. I need this deleted as stated it would be.

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 2022-10-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid off XXXX XXXX  as it went into collections status. I advised that I would pay the settled amount and provided the deletion letter as requested. I had advised XXXX with XXXX that I fell behind due to my wife having XXXX XXXX. She was unable to work and I had to focus on household bills, medical bills, medication and treatments as well as our children. I provided my reasoning with the letter, XXXX spoke with a manager and they agreed to remove this as a derogatory from all 3 credit agencies. I've sent the request to XXXX XXXX and equifax with no corrections being made. I've filed a complain with the XXXX  and now the CFPB before taking legal action. This is hindering me from being able to move forward in my job and purchase a home. I need this deleted as stated it would be.

Company response to consumer: Closed with explanation