vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Went to XXXX  XXXX XXXX to open checking account ( s ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. XXXX  XXXX XXXX stole my personal info and over 5 months later behind my back reported me to Early Warning that I had committed fraud. Early Warning then sided with the fraudulent bank branch and put my name in Early Warning for " suspected fraud '' after reviewing info from XXXX XXXX XXXX showing the transactions of " {$0.00} monetary loss ''. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, Early Warning continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$230.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor ... ... ... ... ... ... ... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$790.00} Open balance XXXX XXXX  FOR XXXX XXXX XXXX  Original creditor ... .. .... .... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$350.00} Open balance XXXX XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've sent a ftc report in regards to unauthorized fraudulent inquiries that equifax refuses to remove under the FDCPA laws I request to have these inquiries removed immediately. I mailed certified Mail in which equifax received all requested documents on XXXX/XXXX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My TD bank debit card was used fraudulently while the card was still in my possession. The scammer used my debit cards information and made several transactions totaling {$7900.00} made to XXXX Resorts and XXXX. The transactions were itself suspicious in nature, yet no action was made to stop the transactions from going through. I started a fraud claim with TD Bank on XX/XX/XXXX and it resulted in the bank denying any fraudulent activity had taken place. 

List of fraudulent transactions : XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$1000.00} XX/XX/XXXX - XXXX Resorts - {$1000.00} XX/XX/XXXX - XXXX Resorts - {$1000.00} XX/XX/XXXX - XXXX - {$300.00} XX/XX/XXXX - XXXX XXXX {$610.00} XX/XX/XXXX - EVI XXXX - {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: BANK OF THE WEST
State: AZ

Complaint narrative:
Bank of the West XXXX XXXX XXXX Acct No. XXXX Payed off XX/XX/2021 Amount overpaid {$460.00}, XX/XX/2021 XX/XX/2021, Personally visited bank. Confirmed address and were told a check would be sent. 
XX/XX/2021 Via phone confirmed check was mailed. Address they used was in question so we were told that they would reissue check. 
XX/XX/2021, XX/XX/2021 and XX/XX/2021. Confirmed details said they would mail. 
XX/XX/2021, called again seems the results are always the same. Address was wrong AGAIN, and we confirmed address once again. 
We still have not received the money.

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 2022-01-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Company says XXXX and XXXX payments were 30days late. I paid both months no more than 7days late. They called and said I was a month behind and I ended up paying a month ahead and they will not acknowledge that. I have called several times trying to correct this report and they refuse to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: FL

Complaint narrative:
On XX/XX/2021 I closed my account with XXXX XXXX XXXX However I had a {$500.00} transfer from my chase account going into this account According to XXXX XXXX they said they would reject my funds and it would be going back into my chase account. I have filed a case with XXXX  and chase bank and both banks claim they dont have my {$500.00} transfer which shows it left chase bank into XXXX but no where to be found I provided XXXX XXXX with a Web ID number XXXX It was transferred over to XXXX XXXX account XXXX There is no way two major banks lose {$500.00} I need this investigated immediately and my {$500.00} returned

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 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: GA

Complaint narrative:
Hello, my name is XXXX XXXX & I'm a victim of identity theft. I want the accounts & inquiries that I did not authorize to be deleted from my credit report immediately. I have reported the theft of my identity to the federal trade commission. I have enclosed copies of everything. Please delete the accounts & inquiries immediately, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I closed a checking and savings account with PNC BANK XXXX XXXX and while i was closing the account XX/XX/2021 the bank account charged a fee of {$40.00} which was then waived. PNC Bank however is attempting to report my closed accounts to a consumer reporting agency. I spoke to PNC bank directly that has assured me there is no pending balances or unpaid charges on the account. The account numbers are XXXX and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 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: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
Hello, I received THREE HARD INQUIRIES on my credit report that were NOT authorized by myself in writing,, nor did I provide any permissions to have my credit pulled on THREE individual dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

I have NOT applied for aany products from 'XXXX XXXX ' thru " Wells Fargo Bank XXXX XXXX Ive attached the snapshot from my credit report that articulates these fraudulent requests I need to have these removed from XXXX XXXX XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NH

Complaint narrative:
I tried to deposit a cashiers check in the amount of {$500.00} on XX/XX/2022, the person who gifted it to me wrote " Merry XXXX '' in the memo line and per the associate on the Customer Service phone line, can't accept that in the memo line. Chime Bank refused to accept and deposit it. This is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: United PanAm Financial Corp.
State: TX

Complaint narrative:
On XXXX the XXXX 2021 a company called United Auto credit ( XXXX ) and another company called XXXX XXXX ( XXXX ) acquired my credit report WITHOUT my permission. I did not apply for any loan from them. I tried to call them but received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
This account was fraudulently under my name with XXXX XXXX. It was brought to my attention and it was closed out. They sent it out for collections years back which is how I found out about it and we absolved the situation 3 years ago. Now it has appeared again on XX/XX/XXXX on my credit, and it is stating that this collection was opened on XX/XX/XXXX which is not accurate. This account was a result of itentify theft, has been closed out. 

I need debt verification of this account. Why has this reappeared again on my credit as a delinquent account?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I closed a checking and savings account with XXXX XXXX  XXXX XXXX and while i was closing the account XX/XX/2021 the bank account charged a fee of {$40.00} which was then waived. XXXX XXXX  however is attempting to report my closed accounts to a consumer reporting agency. I spoke to XXXX XXXX  directly that has assured me there is no pending balances or unpaid charges on the account. The account numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: AL

Complaint narrative:
Refinance Fraud, Loan Modification Fraud, and Insurance Packing letter sent requesting info XX/XX/2021 mortgage loan research XXXX XX/XX/2021 XXXX XXXX {$15000.00} BSI Financial Services {$17000.00} XXXX XXXX XXXX XXXX amount due unknown XXXX XXXX XXXX XXXX amount due to unknown flooding my mailbox with mail and uncertified threats no notice letters for loan transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Unauthorized Inquiry 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 explanation
Consumer complaint received 2022-01-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I noticed XXXX charges from PayPal XXXX XXXX that I did not make, ( please see attachments ) so I opened up a claim with XXXX  XXXX XXXX I was told it would take 45 days to resolve the claim, on XX/XX/XXXX I got a notice the claim was denied because XXXX told them I did this myself, on XX/XX/XXXX XXXX  XXXX XXXX reconsidered and paid the claim, but PayPal and XXXX do not want to Cooperate, both companies are telling me to log into my account, the email that the crook used was not mine XXXX from PayPal and XXXX from XXXX both gave me the same email that was used, Ive written and called the executive office of both XXXX and PayPal and both wrote to me and told me to log into my account and resolve the issue but I do not have an account with either them Ive told them this in writing and over the phone, XXXX at PayPal says he called me but could not reach me but I have called PayPal several times and the people I spoke with say there is no executive office and they dont know XXXX and I end up telling them the entire scenario they promise to call me back but they dont follow up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 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: NY

Complaint narrative:
XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 Unauthrized Inquiry 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 explanation
Consumer complaint received 2022-01-05 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance {$0.00}

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 2022-01-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2020 Unauthrized Inquiry 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 explanation
Consumer complaint received 2022-01-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2020 Unauthrized Inquiry on my Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/2021 I received aa email from a collection company stating that I owed {$160.00} dollars on my XXXX XXXX credit card. I had never received a statement from XXXX indicatiing that I owed them. I first used their credit card on XX/XX/XXXX for a XXXX  of {$140.00}. I made the payment on XX/XX/2021. On XX/XX/2021 I purchased {$37.00} for XXXX.However, they had charged me late fees and interest amounting to a balance of {$88.00}. Again not receiving any statements they kept adding late fees and interest to the balance. When I received the email from the collection agency, XXXX  XXXX,, the balance was now {$160.00}. I called them the same day and asked what this was all about, they told me about the XXXX credit card amount. I argued for along time and they brought the amount down to {$51.00} which I paid at that time. 
Issue-My credit scores have dropped considerably due to this being on my credit report. 
I feel this is wrong and would like to have it be removed from my 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 explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The statute of debt limitation on collections and chargeoffs in the state of Tennessee is 6 years. The statute of debt limitations on collections and chargeoffs under the Fair Credit Reporting Act is 7 years. These accounts have been disputed with the credit bureaus to come back verified and that can't be true as these accounts have not been active since XXXX and XXXX. There are 4 accounts on my credit report that are due for deletion. 

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 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
NATIONAL RECOVERY AGEN # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.

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 2022-01-05 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: PA

Complaint narrative:
On XX/XX/2021, I 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: AL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, and Insurance Packing letter sent requesting info XX/XX/2021 mortgage loan research XXXX XX/XX/2021 Fay Servicing {$15000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  amount due to unknown flooding my mailbox with mail and uncertified threats no notice letters for loan transfers

Company response to consumer: Closed with explanation