vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This account was open in my name and I didnt know about it. I have no knowledge of this account this was a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: GA

Complaint narrative:
I refinanced my home with Mutual of Omaha with the first payment due XX/XX/XXXX. My escrow is in my mortgage. The end of XX/XX/XXXX I received a letter my escrow was short. Since I had been with them for only 6 month and the funds were still being collected into my escrow. I had to send them a check for {$1200.00} with is more than my insurance, {$1000.00} or more than one year of taxes $ XXXXPlus they increased by payment by {$20.00} for an additional {$240.00} I contacted them and explained based on the current escrow about and they remaining payments I was covered. I have not been with them a year and how can they determine is XXXX short. The taxes have been paid but insurance is due XX/XX/XXXX which basically I paid when I sent them the check. My current balance is {$970.00} with insurance due XX/XX/XXXX and taxes XX/XX/XXXX. So taxes and insurance total {$2500.00} and I sent them {$1200.00} and the increase of my payment is an additional {$240.00} totaling {$1400.00}. Just doesn't seem correct. I have owned other homes and have never had this issue. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: PA

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 2022-01-20 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: PA

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 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: SD

Complaint narrative:
I was terminated from XXXX XXXX XXXX last year ( XXXX ) and entered into a relocation reimbursement contract with them before my termination to open a new store on their behalf. In the contract I signed, it states I would have to pay the amount back for my move back to XXXX if : a ) I terminate my employment with XXXX, or b ) XXXX terminates my employment for " Gross Misconduct ''. 

I have supporting documents attached from XXXX Human Resources department explicitly stating I was not terminated for " Gross Misconduct ''. I also have attached emails from other departments in XXXX ignoring my replies to this complaint. XXXX sent this to a collection agency ( attorney office of Caine and Weiner ) after my dispute with no resolution. When I first received notice from Caie and Weiner, I mailed their office a letter disputing this debt, but am still receiving numerous calls and emails trying to collect from me. This has also severely affected my credit score and I do not have the funds to hire an attorney to resolve this matter. 

The amount attempted to collect : {$7500.00} Collector : Caine and Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Attn : XXXX XXXX File # XXXX Please find the supporting documents attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am very disturbed and XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXXXXXX Case Number : XXXX Please remove this bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: VA

Complaint narrative:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of XXXX  to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2022-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS Account Resolution has reported a collection account to my consumer credit file. Account Resolution HAS NOT SENT any written notice of collection to me at all. If ARS Account Resolution has the right to collect in accordance with the FDCPA This is a request for FULL validation of this account. This includes ALL CONTRACTUAL DOCUMENTS stating and proving that I am responsible for this account and that I agreed to and authorized the alleged debt in question to become collectable by ARS Account Resolution which has reported to my consumer credit file. ARS Account Resolution has no legal right to attempt to collect this alleged debt. ARS needs to validate the address that they have on file as Account Resolution HAS NOT SENT any written notice of collection to me at all

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 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had inquiries I didn't recognize on my report when i called Transunion they don't pick up and when I finally get through i get passed around ... no one at Transunion wants to take responsibility for anything.

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 2022-01-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed late payments on my credit report that was placed by XXXX XXXX XXXX, they had 30 day leads that were in accurate. They illegally changed information so that they would not have to do what was right. I then did a CFPB complaint which The XXXX credit bureaus ignored and continue to let this negative information harm me. They are violating my rights I demand to be compensated {$1000.00} per violation from TransUnion XXXX XXXX and 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 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
The week of XXXX XXXX XXXX unauthorized XXXX charges started appearing on my account. The first one occurred around XXXXXXXX XXXX the night of XX/XX/XXXX. I called the fraud center immediately after receiving the alert and told them that it was not me and it was fraud. The next day another charge for XXXX went through. I called the bank 's fraud number and reported it again. Charges kept going through despite the fact that I kept calling in and reporting each one as fraud. I was issued several new debit cards over the course of the week and nobody at the bank could figure out how to stop the charges. I told them I was going to close my bank account after they could not stop the charges from coming out. Finally someone told me that whoever I was speaking with before failed to disconnect my old debit card from the new ones being issued. Whenever a new debit card is issued, merchants like XXXX are allowed to have the new debit card number update in their system without having permission to. The bank should have realized this problem and disconnected my debit cards from each other completely. We have banked with Bank of America for 9 years and if you looked at all of our transaction history over the course of those nine years you would not see one XXXX charge on there because my husband and I have never used XXXX. XXXX transactions ran through onto our account before the bank could stop it. The bank payed all of the claims but one. I requested documentation on why the claim was not paid but they still have not sent me the documentation. I have screen shots of the XXXX transactions that went through and the letters they sent me paying all claims but one. I also have a letter from work stating that I was at the work that entire week that the transactions were going through.

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 2022-01-20 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: TN

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TN

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted dispute letters THREE times within the dates of XXXX of 2021 to XXXX of 2021. I have not received any notifications nor have there been any changes made to my report. THIS IS VERY FRUSTRATING.

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 2022-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
My daughter was seen at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. She was diagnosed with XXXX XXXX at that visit and I was able to apply for XXXX for her. At the time the bill from XXXX became due in XXXX, she was not in the system with the state of PA yet so XXXX placed her account on a XXXX hold. Before the 30 days were up, in XXXX of XXXX, I got confirmation that she was all set for XXXX and they would cover her XX/XX/XXXX visit. I called XXXX and provided the information to bill. Someone there did not bill the state and instead the bill when to collections. I did not know until I got a notice from Harris & Harris collections in XXXX. I called XXXX back and advised them that I got a collection notice and asked what happened to billing the state of PA. I was advised that the ball was dropped. They pulled the debt back from collections and billed the state of PA. However, Harris & Harris continued to contact me every day by phone. In XXXX I contacted XXXX and advised them that collections was still hounding me. They advised I had no debt and the calls should stop. They didn't. I called XXXX back in XXXX and they reached out to Harris & Harris to advise that there was no debt and cease contacting me. They were contacted by email and phone by managers at XXXX. They still continued to call me. I contacted XXXX  again in XXXX to advise them that Harris & Harris is still contacting me for a debt I did not owe. They advised that the issue has been escalated and they would handle with Harris & Harris. It is now XX/XX/XXXX and I got yet another phone call from Harris & Harris for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: NC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been using Chase Checking account, Saving account and credit cards for the past 14 years. I made direct deposit every month ( my W2 income ) and I never missed a payment. 

On XX/XX/2021, I first could not use my credit cards and checked online banking and found that all of my credit card accounts with Chase were closed. My debit cards were closed later in the month. There was no email, mail, phone, text or any sort of communication from Chase regarding the closing of the accounts. They just closed the accounts like these accounts never existed. I realized my accounts were closed when I tried to swipe cards in a store and it never went through. I have linked many autopays to the chase checking account, and this caused several return check fees. 

I called Chase, including customer service , fraud department and some departments they transferred me back and forth. The experience was the WORST of worst. When they heard that my accounts were closed by Chase, they did not treat me same as before. I cried several times for this kind of treatment. I list some below : - Told me to wait then let me wait in the line for more than THREE hours and never got back to me. 

- After several transfers, a customer service staff cut off my words and hanged up the phone directly when I was still speaking. XXXX- that was the only word I could think of at that moment. 

- Had many calls, nobody could tell me why my accounts were closed and why there were no communications. They just said - I DONT KNOW, and I don't know who knows. 

- Sent msg through Chase online system. Received a reply saying that somebody will contact you. And nobody ever reached out. 

After all these calls with Chase, after a lot of cries, I felt strong HUMILIATION as a loyal customer for more than 14 years and Chase was the only checking account I had for the entire 14 years. When they closed your accounts, they did not inform you, they did not disclose the reason, and they did not want to communicate with you AT ALL. You will feel you were abandoned after you got 14 years direct deposits to Chase... This is HORRIBLE! How can Chase treat a customer this way?? Is this the right way to do things?? I strongly regret that I have recommended Chase to my friends. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I really hope Management from Chase can see this complaint and tell me whether this is right to treat a customer of 14 years. Is this the Chase Style? What's wrong with Chase?

Company response to consumer: Closed with explanation