vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX  XXXX {$2100.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$2500.00}

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 2022-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
Javitch Block LLC is trying to collect a debt that is not mine and a result of identity theft. Furthermore, this company is attempting to come off as if it's a court sending the notice which is illegal. 

XXXX XXXX, XXXX can request copies of my identity theft report from XXXX XXXX Police by filing an open records request for 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 2022-03-02 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: VA

Complaint narrative:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX VA XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Our Checking Acct. was charged 17 times fraudulently under the name of XXXX XXXX XXXX - various versions of it. We reported it the same day to Citizens Bank. They did reverse 12 of them, but then charged us Overdraft Fees for 5! Then today there was another fraudulent charge from the same fake company! Plus 2 more XXXX. Bank OD Fees! My husband 's Soc. Sec. chk. goes in XX/XX/22 & it will just go toward the over {$1000.00} neg. bal.! Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$8300.00} XXXX XXXX {$84.00} XXXXXXXXC XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: NY

Complaint narrative:
Helvey Associates are reporting a fraud account on my credit. I didnt open this account nor did I utlize it. Someone used my personal information to open an account that eventually was transferred to Hevel Associates. I paid Helvey Associates {$100.00} with the agreement that this account will be remove from my credit. Despite the payment the account is still reporting. This account was NOT mine in the first place and thus I am requesting the removal of this account from my credit. Please see the attached FTC report and my driver license and remove this account from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: VA

Complaint narrative:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

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 2022-03-02 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 had my personal information stolen and i am worried about things that appear on my credit report that i have no knowledge of. Please help me understand what i need to do to resolve this. I have never used my credit before and it is already messed up i think, Now with all of these things on my report that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: TX

Complaint narrative:
I had my personal information stolen and i am worried about things that appear on my credit report that i have no knowledge of. Please help me understand what i need to do to resolve this. I have never used my credit before and it is already messed up i think, Now with all of these things on my report that i did not authorize.

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 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MS

Complaint narrative:
I called up my loan company Rushmore Loan Management during the month of XXXX they advised that they would give me a loan payment plan of 12 months and that my first payment of {$2700.00} would be XX/XX/2022 and said that I would be getting my letter to what was said and agreed as of today 's date I never got the letter and called on XX/XX/2022 and advised them that I needed a 1098 because I had no way of printing the document. As I was speaking to the rep I then find out from the rep that this was denied cause I did not make a payment XXXX I was never told to make a payment XXXX therefore how could I have known when it was agreed to pay {$2700.00} beginning XX/XX/2022 and I was never given a letter to this affect I am now told that I needed more money when it was already agreed to the amount and the payments to be paid over a 12 month period beginning XX/XX/2022. Mortgage company seems to not remember what is agreed and reps want more money than agreed in order to avoid calculating the 12 monthly payment plan. Mortgage company is keeping the customer in the dark on the status and at the last min wanting more than what is agreed in order not to do paperwork to assist customers. Mortgage company continues to keep customers in the dark with no notification of status as it is verbally agreed on a recorded call. No one wants to agree to something then be surprised, this is exactly what is happening with this company the customer can not do a payment when they are not aware of a payment then be penalized when the rep who works for the company told the customer when the next payment is going to be on the scheduled payment plan it makes the company look bad and affects the trust that customers give which now is at a all time low because the company is not doing what is said even though they are being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I believed that an old checking account was closed. I had an unintentional charge on the account causing it to overdraw. I was instructed to go in person to a branch to close. I went to the XXXX XXXX Wells Fargo branch where i was turned away and told to call the number on the debit card. I called that number and it had a very long wait time and selected for the call back option. Once they called me i told them to close my account. They then hung up on me and i still cant get through to close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-02 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: VA

Complaint narrative:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from XXXX and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Info : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr.Cooper bought my loan from my original lender. Under the agreement with the original lender, this loan was not suppose to escrow/impound for property insurance. i pay that outside of escrow with my company that also handles my vehicle insurance and other insurance products. I have called them four times, and told them to abide by the original loan agreement that they purchased. They always say they escalate it and will reverse the impound, but three months into this process, they continue to impound for property insurance. It is under Mr.Cooper Loan # XXXX. My name is XXXX XXXX, at XXXX, XXXX home address XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute letter with on XX/XX/2021 Transunion, XXXX and XXXX regarding a XXXX account number XXXX that was closed due to fraud and Transunion refuses to remove it. 

The account is being reported as bad debit when in reality it was fraud that XXXX XXXX never investigated. 

I spoke to an agent with Transunion today named XXXX XXXX at approximately XXXX and advised that under Federal consumer law, 15 USC 1681i A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This account went into collections even though I advised XXXX XXXX that it was fraud and they never investigated it or verified the debt. Additionally, XXXX XXXX placed a judgment to garnishment my wages and upon proof of facts that they were notified of the fraud and checks written on my behalf, I received a voluntary dismissal of the judgment and the case was closed. 

Additionally, as seen in XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX a consumer reporting agency, was sued and the plaintiff won as the courts found that XXXX was furnishing inaccurate information because the plaintiff no longer owed the debt.

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 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Hello, I have called several times to inquire why my property taxes have not been paid yet by Selene finance and still do not have an answer. I am being told SelenXXXX is waiting on an " Approval '' for my property taxes to be paid, however, that doesn't make sense as Selene is the one paying my escrows. Apparently, when Selene purchased the loan, the escrow account was not set up and the setup is still pending. We can not continue to wait indefinitely for the " approval '' of our escrows to be paid. 

My property taxes are nearing the due date in which I will incur a penalty for late payment. Additionally, the taxes should have been paid in XX/XX/2021 so that we get the 4 % discount. The lack of communication and clarity pertaining to our escrow account is unacceptable. We have done everything required of us to make sure our mortgage remains current every month and will not allow Selene Financial to put our credit worthiness at risk and/ or our home in jeopardy of being foreclosed upon. We made one final attempt to request an update on our account, specifically relating to our escrows, before contacting the CFPB to file a formal complaint, but still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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 sent disputed to Transunion for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I was issued a refund for the amount of {$8500.00} on Wednesday XX/XX/XXXX. I used the platform XXXX who then released my tax refund to my Chime bank account on Thursday XX/XX/XXXX. I was contacted by Chime bank on Friday XX/XX/XXXX and asked to submit additional information to verify my identity because I filed a joint tax return with my husband. I did so within 20 minutes of receiving the email. I have yet to be contacted by chime to verify they received my information or have made any effort to review the information. I have made 5 separate calls to the customer service line at XXXX, and made 7 submissions on their online chat without response. The first call made was Friday XX/XX/XXXX where the gentleman on the phone confirmed they received my documentation and stated I should hear back shortly. Because banks are typically closed on weekends, my second call was monday XX/XX/XXXX @ XXXX lasted 10 minutes where I was again advised they absolutely received my documents and they are required to respond within 2 business days of receiving my documents. Third phone call XXXX @ XXXX PM which lasted 15 minutes I again was advised they do have my documents but they process all hours of the day so to be patient as it should process soon. Fourth phone call XX/XX/XXXX XXXX PM lasting 22 minutes I spoke to a supervisor who escalated the claim and said I was supposed to be contacted within 2 hours. She explained it is a different department completely and I am unable to be transferred. I was never contacted. Fifth call XX/XX/XXXX @ XXXX lasted 17 minutes I again spoke to a supervisor who again told me theres nothing they can do. She is unable to contact them, her boss doesnt speak to the public so he cant help me and I should not continue to email them as it will send my status to the bottom of the que. Their solution is basically I have to wait it out. In all this I have yet to be contacted by chime. All the supervisors say they have no way of contacting the email team besides escalations which dont work because they acknowledge they are not responsive even to the supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hi I have been a loyal customer of Chase bank for years. And I just received a letter from Chase Bank XXXX XX/XX/2022. It's a notice about they will shut down all my accounts, including my deposit account and credit card account. But they didn't tell me the reasons why they did it. I have already tried to call them, but they still didn't tell me why and they are refused to reopen for me. I used their credit the most for my everyday use. It's really inconvenient that they just closed all my accounts and it's also not right. Please help me!!!

Company response to consumer: Closed with explanation