vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a check on XX/XX/2020 in Chase bank ATM machine but the machine took my check and never deposited it, instead the machine gave me a receipt without the amount of money on my check and when I call the customer service they deposited the money to my account but month later they took it back and send me a letter that I didnt have any deposit that day, I still have the receipt from that deposit but they dont care about their own receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
Arvest Central Mortgage company put me in foreclosure during a period of unemployment due to the XXXX XXXX dissolving of the partnership. I was in a forbearance at the time that ended with payments starting after XXXX. When i called to start the process they told me that I couldn't pay and they would not let me and I asked on XX/XX/XXXX for a six month repayment. I was verbally approved. I asked to do a one year instead of the six month and was told to submit the paperwork which I did immediately. On XXXX XXXX, XXXX they filed a forclosure action. I spoke with the attorney and told they that a hardship was in process prior to the action being filed but they did it anyway. Many other events happened where they approved me then denied then approved then denied and utlimately approved for a repayment plan with a monthly payment of {$3800.00} instead of the {$1600.00}. This should have been resolved prior for lesser payments and without the excessive charges by the attorney and i was charged double fees. Once on the payment plan and they on the closing documents and Arvest central mortgage refuses to refund the excessive fees and charges. Then reported me to the credit agencies in XX/XX/XXXX as in foreclosure on an account that was paid in full on XX/XX/XXXX. No one will help me or even answer my questions. The attorney charged me for a hearing that was moot due to resolution which she didn't even know about and I had to tell her and send her the repayment plan because she didn't even know about it. Arvest Central Mortgage made many many mistakes and refuses to acknowledge or fix the situation. They knew or should of known of their wrongdoing but hey do not care and they lie about your account with them and with what they tell you.. it is always different. Plus they said they would do anything to help yet they didn't. This also caused me not to be able to get a car because they ruined my credit score with false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: OK

Complaint narrative:
Experian Deleted an account that was the result of Identity Theft XX/XX/XXXX XXXX. 
Today XXXX XXXX my monitoring service notified me that it was gain placed on my EXperian credit report. 
Per FCRA once an item is deleted is not to appear again on my personal credit report. 

Confirmation of the Deletion via Experian XX/XX/2021 EXPERIAN Report no XXXX ( confirmation of deletion ) XXXX ACCT NO XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX

Complaint narrative:
I have been asking castle credit via email on how I can start the process of being removed from the contract. They will not respond to emails or my phone calls. This was a joint account in which I should not be held responsible for. The other party has agreed to remove me. I want to know what are the steps for removal. I feel like castle credit will not disclose or go through from removing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Inc.
State: TX

Complaint narrative:
Receivable Management Inc. has reported a negative item on my XXXX credit report which is inaccurate as XXXX XXXX and XXXX do not report this information. I asked the company to validate the debt and they sent me an invoice from XXXX XXXX XXXX which show multiple tests with my name as the patient but I did not receive these tests. 

There are NO documents with my signature, drivers license or requests for any of the tests on this sheet which total {$790.00}. 

There is no outpatient information showing any results of these tests nor any treatment information on the sheet which I requested to validate the debt. This debt is not valid. 

Please remove this debt from my XXXX credit report immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: PA

Complaint narrative:
Dating back from XXXX of XXXX, I have made numerous attempts to contact Transition via mail in an effort to rectify and have them remove the inaccurate and fraudulent information that is reporting to my consumer report. On XX/XX/XXXX, I attempted to call Transition to ensure that they have received my FTC report and spoke a representative by the name of XXXX who notified me that even though I submitted an FTC report and Transunion did in fact receive this report that they would not be able to remove the items that are showing up inaccurately and fraudulently. I also informed her of the various addresses that do not belong to me, a public record : Bankruptcy that does not belong to me in addition to a collection : XXXX XXXX XXXX that is showing up on my report and two other accounts that are showing up as owed and delinquent : XXXX XXXX XXXX XXXX XXXX and XXXX. I also notified this representative that there were also inquired that were showing up on my consumer report that have hindered me from extending my open-ended consumer credit plan to various corporations including ; XXXX : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and US Small Business Administration. After having this conversation I left feeling anxious, overwhelmed and depressed knowing that inaccurate and fraudulent information could show up on my consumer report and possibly not 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 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
My problem is with flagstar bank. I have conventional loan and i had PMI. I have paid off 23 % of my original mortgage and they haven't dropped my PMI. When i called them they told me that i have to pay XXXX $ for an appraisal, i feel like they are stealing money from the people.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have contacted all three credit bureaus through certified mail informing them of my identity being stolen and none of them have responded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: FORD MOTOR CREDIT CO.
State: WA

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FORD MOTOR CREDIT XXXX : XXXX. XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: NC

Complaint narrative:
Equifax, XXXX  and XXXX  have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I bought a new truck on XX/XX/2020 I told the dealer who I was getting my financing thru and I have several hard inquiries on my report I contacted XXXX  XXXX XXXX XXXX and I talked with XXXX and I explained they did not have permission to pull my credit they said the dealer had to remove the inquiry I told him the dealer did not put the inquiry on my credit and he hung up the phone on me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: CA

Complaint narrative:
I've recently checked my credit report and realized I had several accounts reporting on my credit files that don't belong to me. I have zeros knowledge how these fraudulent accounts got on my credit file. 

1. XXXX XXXX Account XXXX 2XXXX XXXX Account XXXX 3.XXXX Account XXXX 4.DeptedXXXX XXXX 5XXXX Account 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 2021-01-26 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: CA

Complaint narrative:
I've recently checked my credit report and realized I had several accounts reporting on my credit files that don't belong to me. I have zeros knowledge how these fraudulent accounts got on my credit file. 

1. XXXX XXXX Account XXXX XXXX XXXX Account XXXX 3.XXXX Account XXXX 4.DeptedXXXX XXXX 5.XXXX  Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: AZ

Complaint narrative:
I've not only disputed a debt that is not mine with TransUnion but have also had the bank that they claim " reported '' the data has been working with me to prove the data is not mine. Today I receive a letter from TransUnion saying they verified the information was mine but according to the bank XXXX XXXX  XXXX XXXX XXXX, TransUnion never requested information regarding any account under my name or social security number. Thus TransUnion continues to report wrong information on my credit. 

I've filed dispute in the past where they had wrong information on my credit ( never had the issue with XXXX  and XXXX  XXXX. When I called today the lady I spoke with not only was rude but also informed me that " It's not possible for wrong information to be reported on your credit. '' After I explained that it was and still is impossible to obtain a home loan at the age of XXXX she said " It's your account, it doesn't matter if you opened the account or not. '' TransUnion refuses to accept facts in this case and furthermore the lady had also informed me that a dispute is " Not to be used to verify accuracy of information '' I want this on file with the CFPB before I start filing suit as TransUnion will NOT accept any evidence, in the past I've sent certified copies of my IDs, Social Security Card and Birth Certificate, today the lady called me a liar and said I had to prove who I am again. 

TransUnion doesn't take matters like mine seriously, again they are the only credit agency reporting the wrong information and they refuse to fix 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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have contacted all three credit bureaus through certified mail informing them of my identity being stolen and none of them have responded back to me.

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 2021-01-26 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: NY

Complaint narrative:
Equifax, XXXX  and XXXX  have abused their position of being consumer reporting agencies. With the misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with the boundaries of FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX, Transunion and XXXX  have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA

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 2021-01-26 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: CA

Complaint narrative:
My ca XXXX  card was frauded by a unknown person I called bank of america XXXX card services and made a report someone accessed my card while I was in XXXX and I told them I was willing to press charges on individuals response able the next day my card was frozen and claim stopped the bank said ca XXXX had done it I contacted the ca XXXX  and they said that they had nothing to do with it and once funds were deposited to the card they weren't responsible for them. While I was in rehab someone got my card a withdrew XXXX dollars XXXX of dollars. At a time and the bank never even froze the account or waived it supicious activity they allowed XXXX to be takin out over days and did nothing when I got out of XXXX I reported to the bank and summited a claim On XX/XX/2020 claim number # XXXX the say that they needed ca XXXX to fax them some.form ca XXXX said they didn't.know what bank of america were talking about I can get no answers from them they won't talk to me in the claim department. Final the said I had to fill a form out and send it to CA XXXX I did that on XX/XX/2020 and haven't heard anything the havent contacted me or anything when i call they give me the run around saying their waiting on ca XXXX and I contact ca edd They tell me they have nothing to do with it and reffure me back to bank of america they have camera at the banks and they can see it.wasmt me taking money from the card and I can prove I was in rehab they won't call me they won't let me speak to a manager and my claim isn't being processed they are doing this to myself millions.of people I have been diagnosed with a XXXX XXXX  my doctor give me a XXXX % chance of living another XXXX  months and i am homeless because of this please help me with this tell me how.to get answers or to fix it I don't want to XXXX on the streets

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26 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: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
I noticed inaccurate information on my credit reports and I've disputed them with the credit Bureaus. It's been over 30 days and I haven't received any investigation results.

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 2021-01-26 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: GA

Complaint narrative:
XX/XX/XXXX account ( XXXX ) still showing payment history innaccuracies The following inaccuracies are as follows : Experian and XX/XX/XXXX are showing different information when it comes to this account >>>>Experian Account # XXXX XX/XX/XXXX - 90 Days Late XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 150 Days Late XX/XX/XXXX to XX/XX/XXXX - No Data XX/XX/XXXX - Closed XX/XX/XXXX - Closed XX/XX/XXXX - Closed<<<<<< >>>> >>>XX/XX/XXXX Account # XXXX XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 150 Days Late XX/XX/XXXX - On Time XX/XX/XXXX - No Data XX/XX/XXXX to XX/XX/XXXX - On time XX/XX/XXXX - On Time XX/XX/XXXX - On Time XX/XX/XXXX - Closed <<<< I feel as though Experian is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete this account from my report. I have clear proof of all my disputes.

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 2021-01-26 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: NY

Complaint narrative:
XXXX, TransUnion and XXXX have abused their position of being consumer reporting agencies. With the misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with the boundaries of FCRA and FDCPA.

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 2021-01-26 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: Nelnet, Inc.
State: DE

Complaint narrative:
I noticed inaccurate information on my credit reports and I've disputed them with the credit Bureaus. It's been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation