vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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: GA

Complaint narrative:
I reviewed my credit report and found grave error with TransUnion, XXXX and XXXX reporting to my consumer report as late, missed or charged off, because of thus I am being discriminated against to extent my credit. Account are : XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX are reporting as late or missed payments. 

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. These accounts are reporting as charged off, these accounts where never late or missed a payment I have repeatedly requested TransUnion, XXXX and XXXX to validate these account and updated accounts.

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 2022-12-07 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: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within XXXX days.

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 2022-12-07 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: PA

Complaint narrative:
Per FCRA 604A 15 US CODE 1681 B, there never was written consent to report anything and 605A 15 US CODE 1681 C1 without written consent is identity theft. However, the account is paid off and is reporting as both paid on one credit report and derogatory on another. Also it states it a charge off so it can't be all three

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: PA

Complaint narrative:
Per FCRA 604A 15 US CODE 1681 B, there never was written consent to report anything and 605A 15 US CODE 1681 C1 without written consent is identity theft. However, the account is paid off and is reporting as both paid on one credit report and derogatory on another. Also it states it a charge off so it can't be all three

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 2022-12-07 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: LA

Complaint narrative:
I have sent mail to the credit bureaus to remove all negative accounts from my credit report. But, they are not removing them. Please remove all negative accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: IL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-07 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: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2022, I signed up an US Bank XXXX XXXX Account with promo code XXXX. The following are the text I grabbed from the sign up web page : Earn {$400.00} when you open a new eligible U.S. Bank checking account and complete required activities.1, 2 Offer valid through XX/XX/XXXX. 
Earn your reward. 
Complete these steps within XXXX  days of opening your new Platinum, Gold or Easy checking account in a branch, online or over the XXXX Enroll in online banking or the U.S. Bank XXXX XXXX XXXX 
Complete XXXX or more direct deposits totaling {$4000.00} or more. 

To have the promo code automatically entered for you in the application process, use the Apply buttons below. If you apply for your checking account on another page, youll need to enter this promo code XXXX : XXXX. 
Easy Checking account This is a basic checking account with standard features available in all of our checking packages. These include mobile and online banking and a U.S. Bank XXXX XXXX XXXX. 
The {$6.00} monthly maintenance fee can be waived if any XXXX of the following applies to you : Your combined monthly direct deposits total {$1000.00} or more. 
You keep an average account XXXX of {$1500.00} or more. 
You are age XXXX or greater. 

I have since fulfilled the requirements, deposited more that {$4000.00} within the 60 days. I have yet to receive the bonus after XXXX months. 
I have contacted US Bank customer service on XXXX occasions : - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX  Each time they would email request to another department to research the issue. I have yet to hear anything back.

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 2022-12-07 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 had a fairly new account with Chase bank - did a mobile deposit on a check for {$1000.00} that was wrinkled - they held it for 2 weeks I wasnt given info as to why though I called several times. At the end of 2 weeks it showed as available but I was unable to access it via XXXX or my debit card though the account appeared to be normal as far as I could tell on the mobile app- nor was I able to make a mobile deposit. I called and the after hours person thought it would be ok the next day. The next day my account was *gone entirely* No notifications via phone, email, or the banking app. I called again and after a lot of digging around, was told my account was closed for suspected fraud and I would be receiving a check from the bank containing my funds. 

When the check arrived it was for {$19.00} - the {$1000.00} was missing. The person who wrote the check to me said it showed as having cleared her account. 

I called the customer service Again and was told that the check writer, would have to go in person to a branch and verify she wrote the check to me. She did. Still no money. I called again and they had no record of her having gone in to a branch on my behalf. She went again and was assured that it was recorded to the check and my account ( which I no longer had since they had cancelled it without notice, but I do have a car loan with them ) I waited another 2 weeks with no check incoming. I called again and asked for a supervisor and was told it would not do any good as the check writers authorization was not recorded to my account in any way. She went in a third time and asked for the money to be refunded to her account and was denied saying I would receive the funds. I have not, and continue to be told she hasnt authorized the check as having been made out to me - while shes assured by the local ( to her ) branch that she did ( her bank is not chase ). 

This {$1000.00} is in chase bank possession and it seems there is no way to get it. 

I even requested they put the funds on my car loan rather than mail a check. My loan instead went into default. 

This is ridiculous- they need to release the funds to one of us the check writer or to me the check receiver! 

There was nothing shady about this transaction on my part in any way other than the check had been in my pocket for a day and was wrinkled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Inquiry on my credit report does not belong to me. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: MN

Complaint narrative:
I reached out to Experian that they are showing 3 entries with " Charge off Status '' and advised them that according to IRS, that is considered income. Also, it is unlawful to report income on a credit report and Experian has ignored my notice to them.

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 2022-12-07 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I have not given Citizens Bank permission to furnish this item on my consumer report, therefore I am requesting it be deleted immediately. Citizens Bank is also committing fraud by NOT DISCLOSING TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. This action has led me to uncover several violations by Citizens Bank. 
This item has violations that I want to identify at this point - according to FCRA - Obligations with respect to disclosures, and Permissible purposes of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: NC

Complaint narrative:
Sent letters to request an investigation and to remove inaccurate information from my credit report. In my understanding with the Federal Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit file. The reponse from the credit bureaus stated my file was properly investigated, how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal, they have violated my rights under ; -15 USC 1681 section 602A -15 USC 1681 section 604A section 2 -15 USC 1681s-2 ( a ) ( b ) ( i )

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 2022-12-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
Hi My Father asked me to promise him that I would sell his property while in XXXX Soon after he passed. I have the Paid in Full Letter from Dovenmeuhle Mortgage Company. 
After almost 2 years of back and forth they can't find the letter, now investigation going on. They didn't know I knew Hud helped him to pay it off. they said it was sent to XXXX. They denied it. I then sent them an email XX/XX/2022, about the Loan Modification application with the help of the Hud office, that they had finally approved that the Loan had been Paid In Full, from them. I have been receiving citations because the property is really fallen apart. 
I just want them to give me the Release of the Property so I can go to settlement. 
please help me Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
This complaint is in regardto XXXX XXXXXXXX XXXX Loancare XXXX XXXXXXXX 's handling of my escrowaccount. On XX/XX/XXXX my wife and I contacted Loancare to advise them that we'd alreadypaid our taxes individually because Loancare had not corrected the escrow payment amounts and they also had incorrect account numbers. We requested an escrow analysis whichwould 100 % determine that a large refund is due to me. Loancare advised me that XXXX XXXX and the employees who conducted my closing are the ones responsible for providing the incorrecttax amounts and account information and that they, XXXX XXXX are responsible for providing the incorrect information. Now at this point as I review my account I can see that an escrow analysis was not completed as requested back on XX/XX/XXXX. Instead Loancare recently sent an escrow payment to the school taxing authority whichhas now resulted in my annual school tax being paid twice. First on XX/XX/XXXX by me and again on XX/XX/XXXX by Loancare. I now have to contact the tax collector to get my money back fromthe overpayment. A proper escrow analysis would have revealed that as my wife and I had advised all taxes were paid on XX/XX/XXXX. Loancare owes me a major refund because my XXXXXXXX XXXX and county taxes have already been paid AND there is also an excess in the escrow balance. I am requesting my escrow balance refund from Loancare to be processed at the end of XXXX after I have made my XXXX mortgagepayment. I am also requesting a true escrow analysis to be conducted.

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 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Per 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

These debt collectors are continually calling me, sending me documents in the mail for a debt. They are under the false impression that I have contracted with them for a debt that was discharged by another company. They purchased an old discharged debt and are sending me threatening phone calls and conducting Mail Fraud through the USPS for an invalid debt. They have no contract with me for any debt or credit and have not provided such proof when asked.

Per IRS rules any debt that is discharged is considered income and that is not reportable. These Debt buying companies have purchased these old discharge accounts and are trying to collect on a debt that is no longer valid. 

They are calling me daily multiple times a day and will not stop even after I have told them to not call me anymore, or communicate with me for a debt that is not mine. 

I submitted previous multiple requests for investigation and the Credit Reporting Agencies failed to conduct a proper legal investigation and simply reviewed information from XXXX and other agencies and did not properly investigate. They put false information on my credit report, not providing the required documentation of proof that there was a legal contract with actual wet signatures from BOTH parties to the contract for these debt collectors. There NEVER will be since I never signed any contracts with them, they are debt buyers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wife has ( had ) a savings account with Wells Fargo. The bank has seized the account, blocking all access to the account. I have tried to contact the bank to resolve. They have not responded. The in-branch customer service person says they can't help 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 2022-12-07 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: GA

Complaint narrative:
I reviewed my credit report and found grave error with XXXX, XXXX and Equifax reporting to my consumer report as late, missed or charged off, because of thus I am being discriminated against to extent my credit. Account are : XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX  XXXX, XXXX XXXX  XXXX are reporting as late or missed payments. 

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. These accounts are reporting as charged off, these accounts where never late or missed a payment I have repeatedly requested XXXX, XXXX and Equifax to validate these account and updated accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my credit report and found grave error with XXXX, Experian and XXXX reporting to my consumer report as late, missed or charged off, because of thus I am being discriminated against to extent my credit. Account are : XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX are reporting as late or missed payments. 

XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. These accounts are reporting as charged off, these accounts where never late or missed a payment I have repeatedly requested XXXX, Experian and XXXX to validate these account and updated accounts.

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