vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 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: NY

Complaint narrative:
Trans Union continues to claim the collection account below is accurate when it was paid off, and agreed upon by the collector to be removed from my credit. Please see the attached letter for proof of payment. 

Account Details : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : 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 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i'm XXXX XXXX, im the XXXX  of XXXX XXXX XXXX XXXX a XXXX  registered in FLORIDA, i have received payments from XXXX XXXX XXXX XXXX XXXXXXXX XXXX 1. XXXX in the amount of {$130000.00} which was cleared and cashed without issue. 

2.XXXX in the amount of {$140000.00} which was cleared and cashed without issue. 

3. XXXX XX/XX/2021 in the amount of {$140000.00} and {$100000.00} and and payment has been credited to my chase account and cleared, chase called XXXX and they confirmed it's a good check and has been paid to chase. 

however chase is still requesting to verify that the issuer business owner wrote the check and XXXX  which is the business owner of the check is out of the country and will answer call at the phone : XXXX or XXXX which chase rejects to contact and doesn't provide any other option. which doesn't make any sense the check has already been cleared and confirmed authenticity by XXXX ( XXXXssuer bank ) i had received checks from this business before at the same account and was cleared and cashed as you can see attached. chase rejects to release the funds to my business or send back to the originator. Also XXXX would be availble for a VIDEO call so he can present his Identification and confirm checks, send a certified letter from XXXX to united states, which i don't believe it's necessary as showed and proved that i had checks cleared and cashed from them before. please assist as i have employees and vendors to pay. my business account number at chase is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  - CARD SERVICE on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX XXXX XXXX on XXXXReported Identity Theft ) 10. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021.

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 2021-05-28 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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
I 1st notice it XX/XX/XXXX when I try to make my payment on line that I was one month behind so I call was able to make payment for XXXX. And the rep. Told me to call the following week she was going to note it. I call the following week that the rep was going to talk to supervisor so supervisor would look into cash dept. I did explain to them I have my back statement where it shows the dates Selen has been withdrawn the payment. Also they can't find a check that send back in XXXX but my bank shows it was process and stamp by them. I call this Monday XX/XX/XXXX to call back Wednesday well Tuesday and Wednesday collector 's call me that I owe again I explained and again they told me to call Friday today XX/XX/XXXX now the rep tells me I need to do it in writing. Am upset cause no one told me that and I ask to speak to supervisor oh supervisor not there they will transfer me to voice mail but the rep said this it says they will call within 24 hours but they wouldn't. XXXX  is right around the corner my credit score went down. Please advice XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
XXXX XXXX is a new feature offered by Huntington Bank and I am eligible for this account. My account was opened in Michigan on XX/XX/2019. I always maintain a positive balance and even have $ XXXX in savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Spoke with Midland Credit on XX/XX/2021. Attempted to explain XXXX XXXX  and was verbally abused and berated during whole conversation. Told them I needed to speak to fianc to help me pay them anything and was abused further. Brought up we were being recorded by their line and reminded them that I was XXXX  again and more verbal abuse. They also lied and said I had a bank account which I do not have one and havent for over 10 years. Lots of threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
My name is very common and after my parents died I had no money, car or home.I found a job and needed a car.I went to a crooked car dealer named XXXX in XXXX Texas back in early XXXX.Told me the car was perfect no issues.I had taken the bus all the way to his company.He rushed me and changed the price on the car to get me in and out.The cluth fell out the car almost instantly after I bought it.I reached out to them and did a voluntary surrender but never missed a payment.On my credit reports they are not matching.Without my permission and after reporting incorrectly saying I had missed payments which I did not, they sold it to a company called Credit Acceptance.I did not give them permission to sell my account to a third party as well as the dates are incorrect and only all 3 credit reports its not matching up and under the Fair Debt Collection Practices Act I did not give any permission to have this sold to Credit Acceptance.I tried to reach out to the original XXXX who sold me the car but no response and this happened in XXXX.Also I keep getting updates that the balance was increased on 2 of the 3 reports but on XXXX it is closed and not increased so its false information reflecting because its been a closed account for years but now now on 2 credit reports out of nowhere its adding an increased balance for a closed account? An account thats been closed for years

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 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/2020 I discovered my business, my bank accounts and personal identity were compromised, on or about XX/XX/2020 I started to receive various telephone calls from creditors pertaining to past due accounts that were opened in my name without my knowledge and/or consent. My bank account, my credit profile and my personal identity were completely compromised. I've contacted American Express and the Law Firm representing American Express and advised them that I'm a victim of identity theft, I sent them a copy of my Identity Theft Police report which was filed on XX/XX/2020, however American Express has reported this account on my credit report as a charge off in the amount of {$70000.00}, this is devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: Go Capital Holdings, LLC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ... GO FINANCIAL XXXX ... XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 06 XXXX  ) XXXX ... XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX ) XXXX ... CAINE WEINER ( Original Creditor : 01 XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH

Complaint narrative:
I sent a message to Prestige Financial after they removed a 5 year credit history from my report. I filed chapter XXXX in XXXX, and my car was not included. My car payment was paid in thru the bank from XXXX. They removed the entire credit history citing it is their new policy. It should be illegal for the trade line history to be removed prior to bankruptcy filing I asked for a copy of the policy and here is the response they sent : Disputeresponse XXXX To : XXXX Fri, XX/XX/XXXX at XXXXXXXX XXXX XXXX, My name is XXXX, I am the supervisor here in the Credit Reporting Department XXXX 



We are unable to send you the policy, as upper management has decided that if an account is included in any type of Bankruptcy we are deleting the tradeline. I understand that your Bankruptcy has been dismissed however, we are unable to update your credit to show this account. The tradeline was deleted from your report. 

Please advise Consumer finance. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: IL

Complaint narrative:
I checked my credit report there are accounts under a Bankruptcy that I have never filed. I sent a letter asking XXXX, Transunion, and XXXX to provide a method of verification for these accounts. The letter came back that the courthouse provided them with information, I contacted the courthouse and the courthouse sent verification to me providing the information is inaccurate and false. I sent the letter to XXXX, Transunion, and XXXX showing the information they have is false and not true, they provide no information to any credit bureau. According to the FCRA its against consumer rights to report false, inaccurate, and incorrect on someone's credit report. This information is inaccurate and needs to be deleted and 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 2021-05-28 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: IL

Complaint narrative:
I checked my credit report there are accounts under a Bankruptcy that I have never filed. I sent a letter asking XXXX, XXXX, and Equifax to provide a method of verification for these accounts. The letter came back that the courthouse provided them with information, I contacted the courthouse and the courthouse sent verification to me providing the information is inaccurate and false. I sent the letter to XXXX, XXXX, and Equifax showing the information they have is false and not true, they provide no information to any credit bureau. According to the FCRA its against consumer rights to report false, inaccurate, and incorrect on someone's credit report. This information is inaccurate and needs to be deleted and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been working with Chase to get a business account, I spoke with some and in the last month more then 2200 has gone though my account, yet when I get a check deposited for XXXX, XXXX of was allocated for the deposit for my business account. They froze my funds, when I call to find out why First I got hung up on, Then I received Sutch horrible service I had to ask for a supervisor. Once I actually got to speak with Someone one about my issues I was told they would have to contact the bank and the Check writer, both of whom told me it was fine, when I called chase back I was informed it was their choice. I asked as to why, they said they can. I reminded them that this check Not clearing was Forcing Me to not only Occur fees! And miss My first payment for this is directly effecting my credit and my ability to feed myself. All of my finances I tied to this account, and they are refusing to release my funds, knowing They are going to hit me with fees I signed to when I opened my account. Im also not able to Pay for equipment for my business that I already order and had to cancel due to funds. Im trying to run a business one Ive had to shut down my business Stop taking payments and refund people. My Smallest package is XXXX $ and the next is XXXX $ and my account is getting frozen over XXXX. 
I have an EIN and XXXX is now back on hold. I have automatic payments Coming out of this account and they are aware I made sure

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: NC

Complaint narrative:
I had student loan debt. My tax returns were offset and when I retired the payments were garnished from my retirement payments and sent to the treasury department for disbursement for loans. In late XXXX I received a payoff letter. currently I have delinquent loans on my credit report however as of today XX/XX/XXXX those loans are listed with XXXX as having {$0.00} balance. XXXX is stating I owe for a loan that XXXX is reporting has {$0.00} balance. Talking to a representative of Navient I was told that the loan was probably transferred to XXXX. If so. why is XXXX still reporting on the same loan for the same exact loan type and disbursement date that XXXX is reporting with no balance as of today. Im confused and my credit is bad. The loans are Group ID, XXXX XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: NC

Complaint narrative:
I had student loan debt. My tax returns were offset and when I retired the payments were garnished from my retirement payments and sent to the treasury department for disbursement for loans. In late XXXX I received a payoff letter. currently I have delinquent loans on my credit report however as of today XX/XX/XXXX those loans are listed with XXXX as having {$0.00} balance. XXXX is stating I owe for a loan that XXXX is reporting has {$0.00} balance. Talking to a representative of XXXX  I was told that the loan was probably transferred to XXXX. If so. why is XXXX still reporting on the same loan for the same exact loan type and disbursement date that XXXX is reporting with no balance as of today. Im confused and my credit is bad. The loans are Group ID, s AC and AZ

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: NC

Complaint narrative:
I had student loan debt. My tax returns were offset and when I retired the payments were garnished from my retirement payments and sent to the treasury department for disbursement for loans. In late XXXX I received a payoff letter. currently I have delinquent loans on my credit report however as of today XX/XX/XXXX those loans are listed with XXXX as having {$0.00} balance. XXXX is stating I owe for a loan that XXXX is reporting has {$0.00} balance. Talking to a representative of XXXX  I was told that the loan was probably transferred to XXXX. If so. why is XXXX still reporting on the same loan for the same exact loan type and disbursement date that XXXX is reporting with no balance as of today. Im confused and my credit is bad. The loans are Group ID, s AC and AZ

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