vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have contact cfpb 3 years ago about my chase bank checking account! And when I try to open join account with my gf, they closed immediately after 7 days! They said my ac count has been colsed for some reason happen 5 years ago! Now, they closed my old checking account too, I dont get it for this! Please help me! 
My phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: MI

Complaint narrative:
I have disputed public filings on my credit report from XX/XX/2021 up until now, XX/XX/2021 with XXXX, Transunion and XXXX. I have been given the run around as to who verified or added this information to my profile with XXXX. Transunion and XXXX  have not even responded to any of my dispute letters. XXXX  has not shared any of that information even after reaching out to courts myself and finding out they did not report such information to my credit.

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 2021-07-20 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: MI

Complaint narrative:
I have disputed public filings on my credit report from XX/XX/2021 up until now, XX/XX/2021 with XXXX, XXXX  and Equifax. I have been given the run around as to who verified or added this information to my profile with XXXX. XXXX  and Equifax have not even responded to any of my dispute letters. XXXX has not shared any of that information even after reaching out to courts myself and finding out they did not report such information to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express is reporting an erroneous late on my file that needs to be removed. I recently took a look at my credit and noticed that they reported a XX/XX/21 late. I do not have any open accounts with American Express. Any account I have had with them has been solved and closed. There is no balance for me to be late on any account so I'm not even sure why there is a late notation but this severely affected my credit. This needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Bank Name : Wells Fargo Bank Claim Number : XXXX Issue : Multiple Fraudulent Charges on my Business Debit Card On XX/XX/2021 I placed multiple calls informing Wells Fargo Bank of fraudulent charges on my Bank Account. I filed a claim with the agent on the phone regarding the fraudulent charges on my Bank Account for over $ XXXX The claim number is XXXX. 

My Cellphone & Debit Card was stolen the previous day XX/XX/2021 and multiple fraudulent transactions were made on my Bank Account. 

I immediately locked my Bank Account as soon as I noticed the fraudulent transactions and also went ahead to file a report with my Bank informing them of the Fraudulent charges. 

As noted by Wells Fargo there's a {$0.00} liability charge for fraudulent charges made on a Debit Card. 

Since I didn't make those charges I'm asking that Wells Fargo reimburse me my money totaling over $ XXXX back to my Bank Account XXXX 

So far Wells Fargo has refused to reimburse me my money back to my Bank Account. 

Instead Wells Fargo is trying to pass unto the customer the liability resulting as a result of a stolen debit card resulting in multiple fraudulent transactions on my Bank Account. 

I'm now asking that the Consumer Financial Protection Bureau intervene and enable me recover my funds totaling over $ XXXX from Wells Fargo XXXX 

If the office of the Consumer Financial Protection Bureau is unable to assist me, I'll be taking Wells Fargo to a small claims court to recover my stolen funds.

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 2021-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: US MORTGAGE CORPORATION
State: OK

Complaint narrative:
US Mortgage violated several federal laws. XXXX XXXX, XXXX US Mortgage is in violation of 15 USC 1635 Right of rescission as to certain transactions. XXXX, XXXX is aware and has proof in attachment labeled as exhibit A that US Mortgage Corporation is in violation of 15 USC 1605 ( a ) ( c ). XXXX XXXX  is aware and has proof in attachment labelled as Exhibit B that US Mortgage Corporation is in violation of 15 USC 1605. * Fact, Affiant is aware and has proof in attachment labelled as Exhibit C that US Mortgage Corporation is failing to observe a law 12 USC 1431 b. XXXX, XXXX is aware and has proof in attachment labelled as Exhibit A, B & C that US Mortgage Corporation is in violation of 15 USC 1611 *US Mortgage Corporation willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 160 . Additionally, violated 18 USC 1341

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I was made aware of a rate change to my car loan in XX/XX/2021 by XXXX XXXX from 18 % to 18.3 %. I immediately called the company and asked why they changed the rate. They assured me that the rate was still 18 % and had not changed. I noticed on my bill that the rate had been removed. During my investigation into the matter I received phone calls from different companies offering to refinance my 18.3 % loan to a lower interest rate. I immediately contacted the company again about the raised interest rate. I was asked how did I know that the interest rate changed. I told them that XXXX XXXX monitors my credit report and they told me. They said that XXXX XXXX doesn't always tell the truth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My employer used to provide a Health Savings account with XXXX XXXX. Starting XXXX XX/XX/2021, my employer switched to a different company for managing HSA accounts. 

As a part of the transfer, my account balance was supposed to be liquidated and transferred over to the new provider. 

I had a brokerage account linked to my HSA Bank account. This brokerage account was with XXXX XXXX and was opened at the behest of HSA Bank. Unfortunately, during the transfer, my cash funds in linked XXXX XXXX account were not liquidated and HSA Bank simply closed the HSA Bank account leaving my XXXX XXXX account orphan. 

XXXX XXXX tells me that they can only transfer the balance back to the original HSA Bank account since the account was opened by them. As the HSA Bank account is closed, my funds in XXXX XXXX are stuck in a limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
Property Address : Complaint Against : Cardinal Financial I would like to file a formal complaint against Cardinal Financial to have my escrow removed. On two separate occasions, my escrow account has been mishandled. In XXXX of XXXX, I made serval attempts ( in writing ) to request that my taxes be paid to the appropriate agencies. I was told that my taxes were paid and that the balance reflected was correct. An improper escrow analysis was completed in XXXX of XXXX and an overage was sent to me in the amount of over {$4500.00}. I questioned this statement various times and was told that the taxes for XXXX were collected during my refinance closing to set up my escrow in XXXX of XXXX and that a proper escrow had been set up and that this amount was indeed an overage due to me. 

I recently checked my escrow account to find that a large escrow amount in XXXX of XXXX in the amount of {$4500.00} was removed from my account leaving me a significant shortage for the upcoming XXXX tax bill. I was told that this was an error made on the part of the servicer and that the funds had never been removed from my escrow account for the XXXX tax year. I am now at 20 % LTV in the home loan and am requesting the immediate removal of my PMI and immediate removal of my escrow account. As a consumer, any escrow servicer that is handling an escrow account should provide accurate information in an escrow analysis to a borrower. Failure to do so can create a significant hardship for the borrower. I am seeking assistance as Cardinal Financial has sold my loan to a servicer who is acting in negligence in handling my escrow account. 

Thank you for your prompt attention. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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:
I sent my dispute letters into all ( 3 ) credit bureau on XX/XX/XXXX disputing accounts and inquiries on my credit report. The bureaus told me they would have their investigation completed in 30 days. They only have 2 days left to complete their investigation and I haven't heard anything from either of the companies. I will attach my dispute letters to my compliant claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: WI

Complaint narrative:
I was surprised and appalled to find out that third parties are reporting bankruptcy to the credit bureaus. I was erroneously led to believe that it was the court house and/or XXXX who were reporting to the credit bureaus. So I sent a letter asking how each entity obtained this information. In return, I was told various things from public record or the court court house. 
I immediately looked into this and learned that the NEITHER the Court House NOR the Pacer systems reports to third parties or the credit bureaus. 

Therefore these companies fished for information from public records. They then used the fished information to turn a supposed bankruptcy from a private matter to a public matter, which is a direct violation of my consumer rights. 

I did not authorize any third party reporting of supposed bankruptcy. Furthermore, the claim that the Courthouse or Pacer reported the information to a third party or a credit bureau is fraud. 

I demand that the supposed bankruptcy and any accounts associated with it, be removed from my consumer file, immediately. Furthermore, I demand that other third parties and three credit bureaus follow suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Trans union has my credit score way lower than XXXX and XXXX and I dont know why. It should be closer to the other two.

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 2021-07-20 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: Conn's, Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
I send them a request of validation letter requesting the following ; Name and Address of Alleged Creditor Name on File of Alleged Debtor Alleged Account # Address on File for Alleged Debtor Amount of alleged debt Date that this alleged debt became payable Date of original charge off or delinquency Was this debt assigned to debt collector or purchased? 
Amount paid if debt was purchased Original or copy of agreement that bears my signature of where I agreed to pay the creditor.

However all I got in response was some of the request and nothing showing my wet signature nor a notification where it states I can dispute this. They are also affecting my credit report by reporting to the CRA 's which is a violation of the federal law 15 USC 1681a ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I was approved for a mortgage through Quicken Loans in XXXX, MI in XX/XX/XXXX. We are 2 weeks from closing the loan and was told loan was denied XX/XX/XXXX. This would also be fraud because how can it be denied without reason and only 2 weeks from closing? We did submit everything to them, so they can't use that excuse and did have the funds to close. XXXX XXXX did not give reason nor want to deal with it. We also were quoted 2 different closing costs for us to choose from {$2800.00} or {$5600.00} 2 weeks prior. If we chose the {$2800.00} our interest rate would be 3.75 APR. The closing cost were very over priced. We paid their appraiser in the sum of {$500.00} up front and should have been refunded due to the loan not going through. The company pushes loans through without care and will backlash at you if you question their integrity. Also there is a United States Vs Quicken Loans in XXXX for court docs on the XXXX website. These people are very fraudulent and make their money on hidden fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX has confirmed that they send one batch of updated accounts to the bureaus. They said that this is sent to all bureaus at once. This is usually done on the last day of the month. For the past three months, XXXX  and XXXX  have updated my XXXX accounts within a week, but Experian can take 14-20 days. I contacted Experian about this last month and the rep told me that he would have someone update my info. Three of my accounts that still had outdated info ( my student loan and my XXXX credit card and auto loan ) were magically updated the next business day if I recall correctly. 

This month, I encountered the same issues with Experian not updating my info, while the other two bureaus updated the info within a week of receiving it from XXXX. I called Experian today and they claimed that they never received the info from XXXX. I promptly called XXXX, who claimed that they sent it. XXXX has always been honest when they had delays reporting to bureaus, so I have no reason to not believe them now. I know other people who are having the same delayed reporting with Experian and they claim that even Experian 's own employees have acknowledged the issue. However, the reps that I spoke to today blamed this delay on XXXX. They wanted me to file a dispute to let XXXX know that the info was incorrect -- -even though XXXX claims that they already sent it. That's not resolving the real issue, which is Experian not updating the info once they receive 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 2021-07-20 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:
fcra violations : Resident type Single family XXXX XXXX XXXX XXXX # A XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family please correct dr to DRIVE that is how you spell it isn't it?! 

must be ACCURATE INFOMATION FCRA law quit deleting accounts I did not request!!!!!!!!! 


not mine : also : XXXX XXXX XXXX XXXX Cellular ( XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was XXXX in Florida Department Of XXXX and did not authorize any transactions from this account.XX/XX/2021 = - {$50.00}, XXXX XXXX= - {$100.00}, - {$200.00}, - {$200.00}, - {$140.00}, - {$500.00}, - {$500.00}, XX/XX/XXXX, XXXX= - {$100.00}, XX/XX/2021 = - XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Sa-Vit Enterprises, Inc.
State: NC

Complaint narrative:
Savit Collections is reporting a debt that I do not owe. I recently took a look at my credit file and noticed this popped up. I was not aware that this debt was even owed because I have insurance. My insurance should have taken care of the total bill, I was never billed by my insurance. This needs to be removed.

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 2021-07-20 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:
The 3 Main credit reporting agencies are reporting false information. 
the following inquiries are being reported fraudulently. 

XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX Mortgage Brokers Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX -XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/XX/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 2021-07-20 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:
The 3 Main credit reporting agencies are reporting false information. 
the following inquiries are being reported fraudulently. 

XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX  Mortgage Brokers Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX -XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Ive been in touch several times with I C Systems about this medical debt, asked them to send verification of debt as the original creditor no longer has the information on file because it was turned over to collections, I C Sytems response over and over has been they are waiting for verification from the original creditor, Ive received no verification with date of device, the billing creditor or services rendered only collections letters stating past due instead, this debt can not be verified not even by original creditor.

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