vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX. 
Purchase a 2018 XXXX XXXX XXXX on XXXX. XXXX paid a partial payment and left a {$41.00} balance for 90+ days. They have ruined my report. The car has been broke since the purchase date. Not one of the 7 places that I have been can fix this car. Can't duplicate why the wheel wobbles in the rear. Deliberate sabotage. The finance company was well aware this car was broken from day 1. Not one car creditor has ever taken 90+ days to payoff a vehicle. I tried to trade this car in and all the finance companies ate asking me for XXXX in negative equity for a broke car. 
XXXX is my contact along with phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Chase bank posted a fraudulent transaction for {$3800.00} earlier in the year. They started out by reversing the charge and I had my money and access to my account. Then, on XX/XX/2021 the fraudulent transaction was re-posted to my account and Chase will not reverse the charge at all. I've filed every form their company offers to get my money back and have been refused help by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
All accounts were closed on the morning of XX/XX/2021 without any warnings or explanations. Spoke with management and their response " we don't know anything, it was a business decision made by the bank. You have to wait for 24-48 hrs. until we are able to give you answers. ''

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 2021-12-08 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: PA

Complaint narrative:
on XX/XX/2021 I sent a letter requesting that the its disputed be verified sending the documents used to verify these debts. XX/XX/XXXX the letter was delivered and I have not received respond. I have provided all the documents and the tracking confirmation that they received the letter on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: NC

Complaint narrative:
Equifax, XXXX, and XXXX credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: TX

Complaint narrative:
This company refuses to be truthful about who they are and constantly goes under many different names. They will not disclose the correct company name when you call or give an address. 
I have repeatedly asked them to not call me at work, call my personal cell or family and friends but they do not listen. They make threats to my job and family that they are serving me paperwork for court hearing in XXXX XXXX and to avoid being ARRESTED they need to get my location immediately ( nothing has been filed with XXXX county ) They are calling me over 15 times a day from different numbers. 
I got so fed up with the calls, I started making payments to make them going away feeling like it would never end. The never sent over receipts or bills like promised, and they tried to pull out more than I had accepted. Within 1 hour of trying to take a payment and it not being accepted they were calling my employment yet again to try and threaten my arrest. I have disputed this to fraud to my bank and I have reported them to the XXXX XXXX XXXX, attorney general and now here. 
I have recorded phone calls, emails and voicemails of their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XXXX XXXX was created by stealing my information and personal checking account then thats how the XXXX  and XXXX XXXX  became a thing I couldn't do anything to stop it because the numbers for my bank were switched to and they didn't even compensate for any damages, I've been at this for three years and the bank hung up on me and gave me a fake name and XXXX only contacted me the moment I closed my account after three years, and now I end up finding my XXXX  account but the account number and names were changed and the only way to get to the bottom of this would be with my social. And now when I log into XXXX it shows people I've made transactions with but there's no transaction history to support it.ive also talked to XXXX support and I remember one person said they would log the conversation to prove my compliance but main thing is I would appreciate my reports going straight to Experian or any other agency of the three companies.thank 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 2021-12-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have previously been affected by an attempt by someone to open a XXXX XXXX account in my name and disputed it directly with XXXX XXXX. 

After reviewing my Equifax report, I noticed inaccurate information. 

The following inquiries are listed on my report in which I did not authorize nor am I benefitting from the inquiries : XXXX - XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I Took a Loan Out From Ace Cash Express Roughly 2 Weeks Ago. I Get Paid Semi Monthly On The XXXX And The XXXX As It Clearly States On My Paystubs That Ace Cash Express Has In Their System. Ace Cash Express Decided My Payment Was Due 3 Days Before My Pay Date On The XXXX ( XX/XX/2021 ). I Received Messages About The Payment Being Due On The XXXX And Called In To Advise The Customer Service Reps Of My Date And That My Payment Shouldn't Be Due On The XXXX. They Told Me That I Had A 6 Day Grace Period And Should Be Good To Go And Never Once Mentioned Extra Interest Charges Or Late Fees. When I Went To Pay The Loan Off On The XXXX, I Was Charged An Extra {$200.00} To Pay Off The Loan. The Pay Off Amount Should've Been {$1600.00} And Instead It Was {$1800.00}. This Is Absolutely Ridiculous And I Should Not Be Charged Extra For Their Mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a promotion set to expire XX/XX/21. The amount due was {$950.00}. I paid {$1000.00} on XX/XX/21. I was still charged the deferred interest amount of {$300.00} despite paying the amount in full. When I called I was told the charge could not be reversed for XXXX reasons, one was that the amount didn't cover the promotion plus the monthly payment that was due. This is NOT correct. The monthly payment that was due was {$43.00}. The {$1000.00} covered BOTH the promotional balance set to expire and the monthly payment. I was then told it wouldn't be reversed because I didn't dispute within 20 days. They made the mistake, and now I'm forced to pay an additional {$300.00} even though the mistake was on their end. This should be criminal. The should not be allowed to take advantage of customers this way. They make PLENTY of money legally, taking advantage of customers to pay for their mistake because of some bs timeframe they put on me being able to catch it. It is shameful.

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 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX, XXXX XXXX, This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ), XXXX XXXX ( Original Creditor : XXXX XXXX  ), XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), ( Original Creditor : XXXX ) I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately. 

XXXX XX/XX/2021, XXXX XX/XX/2021 I dont remember permitting you to pull a credit report. Delete this immediately. 
XXXX XXXX XXXX XX/XX/2021, XXXX This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.

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 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R J Baucum Enterprises, Inc.
State: TX

Complaint narrative:
Edward Sloan and Associates are in VIOLATION of the FDCPA. I sent a debt validation letter OVER two months ago. I have yet to receive ANYTHING proving these debts are mine. I am demanding that they stop collecting on these accounst and remove these accounts from my credit reports and notify ALL credit reporting agencies. 
Account # : XXXX Account # : XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: OH

Complaint narrative:
Transunion is in violation pursuant to 15 U.S code 1692 E for false and misleading representation. They are also in violation pursuant to 15 U.s code 1681b of permissable purpose. Not only are the reporting information on my consumer report without my written concent they are also acting as if the bankruptcy court is the one reporting A bankruptcy on my consumer report. They also never responded to letter dated XX/XX/2021 Of me demanding them to remove the account refrence # XXXX. Transunion 's deceptive practices has caused me XXXX XXXX loss of opportunity and deep XXXX for there willful noncompliance and defaming my character I will attach the letter they never responded to dated XX/XX/2021 and the letter from the court house stating that they do not report any information to third party companies.

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 2021-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Today, XX/XX/XXXX, my sister in law called US Bank in regard to a letter she received from them. The letter was asking about transactions on a certain account. When she called, she spoke to a banker who asked her a series of questions regarding ownership of an account. She affirmed that she has an account with my wife, which is a savings account that is being held in trust. The original owner was my mother in law who passed away on XX/XX/XXXX. She was then asked to verify deposits in various amounts, but those deposits did not coincide with any accounts she holds with my wife. Those deposits coincided with an account that my wife and I hold. After her phone call with the banker, my sister in law called my wife and I to notify us of the conversation she had. I had received a phone call on XX/XX/XXXX from the XXXX XXXX XXXX asking me to verify some transactions on my savings account ( for the record, this conversation with the bank regarding my account activity was totally appropriate ). I do not know how my account & my wife 's information had been cross-referenced. But what is more disturbing is that this banker shared private information on my account with someone who is not on that account as a signer. This banker shared balance & deposit information to an unauthorized individual. I feel this is a serious violation and this needs to be remedied.

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 2021-12-08 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: NE

Complaint narrative:
I have disputed inaccurate information on my credit report with TransUnion : XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX XXXX GA XXXX With results that I'm not satisfied with because I have sent in Factual information to support my claim as information not being accurate and to be removed from my credit reports

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 2021-12-08 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

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 2021-12-08 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XX/XX/2021 FAY SERVICING SENT ME A NOTICE TO FORECLOSE ON MY HOME. THE LOAN WAS SOLD TO THEM 2 MONTHS AGO BY XXXX XXXX MORTGAGE WHO HAS SERVICED THE LOAN FOR 10 YEARS. DURING XXXX, XXXX XXXX THE PROPERTY WAS UNDER FORBEARANCE PLAN UNTIL 2 MONTHS AGO WHEN FAY SERVICING TOOK OVER THE LOAN. 

XXXX XXXX TOLD US THAT AT END OF THE FORBEARANCE, THE ENTIRE AMOUNT WILL BE MOVED TO THE END OF THE LOAN AND I AGREED. 

2 PAYMENTS HAVE BEEN MADE TO FAY SERVICING BUT I TRIED TO MAKE PAYMENTS AND ACCORDING TO THEM THEY CAN NOT ACCEPT PAYMENT BECAUSE THE HOUSE IS IN FORECLOSURE. THEY HAVE BEEN HARASSING ME AND IS AFFECTING MY HEALTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
What is tax evasion? " The illegal nonpayment or underpayment of tax. Florida has strict rule when it comes to taxes on a deed or mortgage. See Florida statutes 201.08 ( 1 ) ( b ), 199.282 ( 4 ). " No mortgage, deed of trust, or other lien upon real property situated in this state shall be enforceable in any Florida Court ... .until the nonrecurring tax imposed by this chapter, including any taxes due on future advances, has been paid and the clerk of circuit court collecting the tax has noted its payment on the instrument or given other receipt for it. '' For further clarification, see Florida caselaw XXXX XXXX XXXX attached herein. A lender has no enforceability in any Florida Court room when the intangible & stamps on a deed are not paid. The attached loan modification reveals that the intangible & stamps were not paid on the loan increase and therefore has no enforcement. Yet a judgment was acquired by the bank and is illegal to say the least because the instrument does not have any enforceability in this state but worse than that, Chase has evaded taxes that are due in this case. The investigator who worked on my case realized that hundred of thousands of loan modifications that contain new money or loan increase, taxes were not paid. It appears on its face Chase is evading taxes and the matter should be investigated by the Department of Justice. The investigator has enough proof to go after Chase for tax evasion. The consumer financial or law enforcement should contact me directly on this. The property is being sold on XX/XX/2022, yet Chase never paid taxes due and the instrument is deemed unenforceable. Action is whereby required this is tax evasion!!!! wake up consumer financial protection, wake up!!!! tax evasion!!!!! wake up!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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, XXXX XXXX have resided at the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX for almost XXXX years now and I have an high impact inquiry on my credit report from XXXX and Ive never even had an XXXX account before. This inquiry has damged my credit score and my ability to get things. Im not sure if my address was used for this bill but it was not me XXXX created the XXXX account. Ive constantly asked that it be removed and it havent yet. If possible could you please help me. Thank you in advance!

Company response to consumer: Closed with explanation