vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've tried numerous times to have the creditor Police and XXXX XXXX XXXX XXXX to remove a inaccurately missed payment from XX/XX/2019. I never missed a payment and was told to contact the bureaus to fix and it's still not fixed. This is causing harm to my credit reports and preventing me to be qualified loans and causing tremendous stress. So since no one is fixing this problem I'm submitting a complaint. This is not fair that they messed up and I have to suffer because of their mistake.

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 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I filed multiple complaints with CFPB about distributions taken out of my Bank of America Health Savings Account ( HSA ) in XXXX, the closing of the HSA and the opening of an HSA without authorization. A police report was filed regarding this account and tax statements were sent to Bank of America through CFPB. I received two email communications and a voicemail in which I was told by the Bank of America regulatory department ( in a voicemail ) that I have to communicate with them by XX/XX/XXXX. When I called the phone number and extension I was emailed, I was advised by an automated system that this is a debt collector. The messages from Bank of America did not mention this and I never received anything from Bank of America about my HSA account. The last time I engaged the CFPB, the Bank of America representative I spoke with said he could not find an account in my name. When I sent tax statements to Bank of America and requested documentation of transactions, I keep getting emails to call back with no response and now the threat of debt collection.

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 2021-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank has violated my consumer right Fair Debt Collection Practices act. They are making me pay back monies for a consumer credit transaction that I did with them. Pursuant to 15 USC 1692 ( c ) ( a ) ( 1 ) there is a billing error because I am being billed in the positive for monies they say I owe. They also violated my right to rescind by not providing the proper documents on the revision process pursuant to 15 USC 1635 ( a ). They also violated my rights pursuant to 15 USC 1605 ( 5 ) because my insurance was not included in the finance charges which is required by federal law. As soon as I found out my consumer rights where being violated I sent a debt validation letter to Chase and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: NY

Complaint narrative:
XXXX Placed me on collection with out proper notification and when I looked at my Credit reports Experian, XXXX, XXXX, all the information on it was wrong. Date opened date closed on my report and Dollar amount was wrong as well. Worse of all when the account was closed, XXXX sent an email and it said that I have a credit. I have written to all the credit bureau 's but with proof of full payment and dates open and closed they correct that issue but refuse to remove the false collection of which was paid in full. But they all write back saying that the account was verified

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 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank 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 2021-07-23 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: FL

Complaint narrative:
GOOD DAY, I AM CONCERNED ABOUT A SPECIFIC NEGATIVE ITEMS THAT IS CURRENTLY REFLECTING ON MY CREDIT REPORT BY THE NAME OF XXXX XXXX. THERE IS NO WAY ON EARTH THAT I AM LIABLE FOR SUCH DEROGATORY INFORMATION. ESPECIALLY WHEN I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO REMOVE SUCH INFORMATION OFF OF MY CREDIT REPORT BECAUSE IT IT INACCURATE AND VERY INCOMPLETE. I HAVE EVERY RIGHT AS A CONSUMER PER THE FCRA TO DISPUTE ANY INFORMATION I FEEL IS HINDERING MY CREDIT OVERALL. THE XXXX XXXX  ACCOUNT WAS REMOVED OFF OF XXXX, YET NOTHING WAS RESOLVED ON XXXX. PLEASE HELP ME RESOLVE THIS MATTER IMMEDIATELY. I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTION IN THIS CASE. I'D GREATLY APPRECIATE IT.

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 2021-07-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've tried numerous times to have the creditor Police and XXXX XXXX XXXX XXXX to remove a inaccurately missed payment from XX/XX/2019. I never missed a payment and was told to contact the bureaus to fix and it's still not fixed. This is causing harm to my credit reports and preventing me to be qualified loans and causing tremendous stress. So since no one is fixing this problem I'm submitting a complaint. This is not fair that they messed up and I have to suffer because of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've tried numerous times to have the creditor Police and XXXX XXXX XXXX XXXX to remove a inaccurately missed payment from XX/XX/2019. I never missed a payment and was told to contact the bureaus to fix and it's still not fixed. This is causing harm to my credit reports and preventing me to be qualified loans and causing tremendous stress. So since no one is fixing this problem I'm submitting a complaint. This is not fair that they messed up and I have to suffer because of their mistake.

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 2021-07-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: SC

Complaint narrative:
Im was looking at my credit to make sure Im keeping up with everything and I saw several items on there that is not mine. I was told you all can help me with this. I have filed a complaint with the FTC and reach out to the police. Im doing this on my own and need some help. I saw these accounts that I dont know anything about XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There also several inquiries that I did not run my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Hello my name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, MA XXXX. I went to the local TD bank to open my account but the bank says there is already an open account under my name and SSN number so they. They gave me this website to report fraud. My SSN XXXX. My phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
I filed a dispute in Chime Bancorp on XX/XX/2021 with the amount of over {$1100.00} because The service provided by the merchant announced its closure and then I've talked to the merchant through the phone about the problem and the merchant told me that I can issue a refund to my bank and later on XX/XX/2021 my dispute got denied because there was no error. The thing is i filed another dispute on my other credit card which is XXXX XXXX on XX/XX/2021 with the amount of {$260.00} and they just approved my dispute and they considered it case closed. Same merchant because I used 2 credit card to pay the service which is Chime Bancorp and XXXX XXXX. I can provide another information or documents to follow up if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: FL

Complaint narrative:
EQUIFAX HAS NOT RESPONDED TO A CREDIT DISPUTE SUBMITTED TO EQUIFAX ON XX/XX/XXXX,, 2021 AGAINST XXXX XXXX. I HAVE PREVIOUSLY CONTESTED THIS INCORRECT DELINQUENCY REPORT WITH XXXX XXXX  DIRECTLY IN XX/XX/2021. XXXX XXXX  REFUSED TO CHANGE THE INCORRECT DELINQUENCY CITATION. I AM REQUESTING THAT EQUIFAX INVESTIGATE THIS AND CORRECT THEIR FALSE DELINQUENCY REPORT ON THE XXXX, 2021 LEASE PAYMENT A/C # XXXX. 
XXXX XXXX, XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: MI

Complaint narrative:
I entered into a 6 month payment agreent with this third party creditor. The last on time payment was XX/XX/XXXX. An automatic debit was set up for these payments to come out of my account monthly. There is still a balance showing on my credit report although the last payent was recieved by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: SC

Complaint narrative:
Im was looking at my credit to make sure Im keeping up with everything and I saw several items on there that is not mine. I was told you all can help me with this. I have filed a complaint with the FTC and reach out to the police. Im doing this on my own and need some help. I saw these accounts that I dont know anything about XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRT. There also several inquiries that I did not run my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: SC

Complaint narrative:
Im was looking at my credit to make sure Im keeping up with everything and I saw several items on there that is not mine. I was told you all can help me with this. I have filed a complaint with the FTC and reach out to the police. Im doing this on my own and need some help. I saw these accounts that I dont know anything about XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There also several inquiries that I did not run my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and I do not have a contract with PORTFOLIO RC plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING LLC is trying to collect on a consumer credit transaction that I entered into with another company. They are violation my consumer right pursuant to 15 USC 1692 ( d ) ( 3 ) by listing alleged debt on my consumer report. They are also violation my rights by saying I owe a debt in the positive pursuant to 15 USC 1692e ( 2 ) ( A ). I requested LVNV FUNDING LLC to validate alleged debt pursuant to 15 USC 1692 ( g ) and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XX/XX/XXXX we started the process of apply for a mortgage through US Bank with their Loan Officer, XXXX XXXX ( NMLS # XXXX ). During these first few emails it was clearly stated that I was a US Veteran and had even previously used the VA Loan. Due to the construction restraints in the Midwest ( Iowa ) and the fact that my Spouse and I were living overseas, our house was schedule to be completed around XXXX, XXXX. The months went on we finally moved back to Iowa the end of XX/XX/XXXX. We finalized our loan paperwork XX/XX/XXXX for a closing date of XX/XX/XXXX. On XX/XX/XXXX I started researching tax credit on our local counties website ( XXXX County, Iowa ) and discovered the Homestead and Military Exemption Credit. Along with this researching, I discovered the Iowa Finance Authorities website which detailed a " Military Homeowner Assistance Program '' Grant for {$5000.00}. The only requirements listed on their website stated you had to be a veteran, which I was, and which our Lender XXXX XXXX knew. She is also listed as a loan officer on their website. I reached out to her on that day, XX/XX/XXXX and asked about eligibility. She replied the same date stating we exceeded the purchase price and household incomes. I thought I would check with the IFA ( Iowa Finance Authority ) and emailed them that night, the XXXX of XXXX. I received a reply from the following morning on XX/XX/XXXX stating there were no income or purchase limits to qualify for the grant, eligibility is based on service dates ( which I would qualify for ). I sent the information to XXXX immediately. She responded back later that day stating she'd have to, " restructure your loan and submit the application to IFA. We'd probably be looking at about 30 days to get everything approved through IFA and your loan restructured. '' That seemed odd to me, so I emailed the IFA again right away and they said it takes on average 48 hours to approve, maybe a few days. My wife then emailed XXXX that night and asked what would be needed and stressed that {$5000.00} is a lot of money. On Friday XXXX responded with further details and what would be needed and eventually XXXX then said it could take a few weeks ( as opposed to 30 days before ). At this point our closing date is 4 business days away and XXXX is obviously not going to help us. We told her we could provide everything right away but if we had to change our closing date we couldn't delay. I've attached all email traffic with XXXX and the Iowa Finance Authority. XXXX has personally cost us a {$5000.00} grant that we could've used toward the closing costs.

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 2021-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX Placed me on collection with out proper notification and when I looked at my Credit reports XXXX, XXXX, Transunion, all the information on it was wrong. Date opened date closed on my report and Dollar amount was wrong as well. Worse of all when the account was closed, XXXX sent an email and it said that I have a credit. I have written to all the credit bureau 's but with proof of full payment and dates open and closed they correct that issue but refuse to remove the false collection of which was paid in full. But they all write back saying that the account was verified

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 2021-07-23 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: NY

Complaint narrative:
XXXX Placed me on collection with out proper notification and when I looked at my Credit reports XXXX, Equifax, XXXX, all the information on it was wrong. Date opened date closed on my report and Dollar amount was wrong as well. Worse of all when the account was closed, XXXX sent an email and it said that I have a credit. I have written to all the credit bureau 's but with proof of full payment and dates open and closed they correct that issue but refuse to remove the false collection of which was paid in full. But they all write back saying that the account was verified

Company response to consumer: Closed with explanation