vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 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:
Transunion has added an account to my credit report that is not mine. The business which reported the incorrect information did not contact me to verify that the debit was mine. XXXX XXXX reported this to Transunion. Credit bureaus are required by law to validate and verify any information that is being added to my account. Transunion did not do what they are legally required.

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 2022-02-19 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:
Attachment from XXXX first page paragraph eight states, " Your last payment prior to the loss of {$600.00} was received by XXXX on XX/XX/XXXX '' You show payment thru years XXXX when you list in XX/XX/XXXX of a 90 late payment. 

Who made these payments? 

The vehicle was total XX/XX/XXXX! 
Insurance check posted XX/XX/XXXX See attachments from the creditor XXXX See attachment for evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: WA

Complaint narrative:
The last week of XX/XX/2022, I lost my credit card while traveling in XXXX and XXXX fraudulent transactions posted to my account. XXXX on XX/XX/XXXX and the other on XX/XX/XXXX. I called XXXX Fraud department as soon as I realized my card was lost. They took my information and supposedly started my claim for the disputed charges. On that day I received an email from XXXX saying that they will be working on my claim and that they will be providing provisional credit of the XXXX fraudulent transactions within 10 days while they continue their investigation. Meanwhile, Provisional credit was never provided, nor there was any follow up nor documents sent to me. So, On XX/XX/XXXX, since I didn't receive any communication from XXXX nor the fraudulent charges taken off my card, I called back XXXX fraud department to find out what was going on. I was told by an agent named XXXX, that there were NO notes on my claim, NO follow up and NO provisional credit on my account, he said he had to escalate it to a supervisor, that it seemed that my claim wasn't looked at by any one. So he told me that I was going to receive a call from a supervisor. I received a call from a lady name XXXX from a phone number XXXX. I called back and told her that is NOT OK to be ignored, to report a claim to XXXX and to have this type of inaction and lack of help in resolving my claim. Meanwhile its almost a month. No follow up, the fraudulent charges are still on my account, no provisional credit was issued, my claim was ignored and XXXX inaction and lack of willingness to resolve my claim has caused me stress and in top of it, I have to be calling back and forth, almost every week trying to get their help in taking care of this issue. It is obvious that US Bank is trying to ignore my claim and to put the burden on me to collect interest and charges with fees on the fraudulent transactions. I do believe I've been ignored and treated with this horrible disparate treatment due to my XXXX Ethnicity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to request a correction of the following information that appears on my XXXX  consumer report Explanation of item being disputed : A JPMC company credit card account is associated with a separate corporation has started to be listed on my personal XXXX credit report. I am not personally liable for this account. However, even though I am not personally liable for this account, JPMC are now reporting this account on my credit report and demanding payment from me. I have previously requested that they provide me with documentation establishing that I am personally liable for this account, such as a contract or card agreement, but they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: NE

Complaint narrative:
Hello, my name is XXXX XXXX and I have new information about Transunion. I recently exercised my right to dispute inaccurate information I found on my TransUnion consumer report. I have received recent updates with continued inaccurate reporting to ensure I receive the response I stated in my dispute : I am now exercising my rights to receive any correspondences regarding any dispute and my consumer file from Transunion electronically through the CFPB and no other form. 

This is regarding any dispute sent through mail that was received on XX/XX/2022. Please see attached green receipt as exhibit.

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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I dont know,, how to my credit cards blocked,, may be Someone use my information,,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$54.00} XXXX XXXX XXXX : XXXX -- -> : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/XXXX I was alerted that a frivolous collection agency Transworld Systems Inc. placed an account for collection on all credit bureaus for the amount of {$220.00}. I immediately notified the agency that I do not lawfully owe this due and requested all documentation stating that I owe the collection agency. No contract nor legal obligation, contract, or agreement has been signed nor documented. On XX/XX/XXXX the agency failed to provide sufficient information to validate the debt yet continued to harass and report a negative status and balance to all credit bureaus. Please note I wrote the creditor again on XX/XX/XXXX ( find documentation attached ) to request not verification but true validation of this debt and any contracts signed and or any legal statue that the collection agency can collect legally on this debt. On XX/XX/XXXX Transworld Systems wrote and informed me they have investigated and responded yet I have not been provided no legal documents stating that I owe the company. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Transworld Systems needs to be held accountable for their unlawful actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
On approximately XX/XX/2022, I contacted XXXX to purchase an engine for {$3700.00}. I was told that the engine was available and once the payment was completed, I would be emailed a tracking number within 24 hours and the engine shipped. After not receiving the tracking number I called XXXX and was informed that they didn't have the engine and it would not be available until XXXX. After being informed of this I asked for an immediate refund being that the salesperson said she verified the engine was available and ready to ship within 24 hours. I then contacted Discover and initiated a dispute for fraud because the merchant told me that they had the engine ready to be shipped and the salesperson verified it to be ready and available. I tried to initiate a dispute at this time but was told that I could not dispute this at this time and had to give the merchant 10 days to return the money to my account. After 12 days I called into dispute the transaction and them aware the credit from XXXX still was not available or returned to me, so then the dispute was filed by Discover. During this time I was not able to view or verify my other transactions. After filing the dispute I called Discover and made them aware that my bill was incorrect and there were some discrepancies ( items that were charged missing ) on my bill. I was told that the bill was correct and that amount it showed was correct ( owe {$4.00} ). After a few days, the bill changed again ( owe {$590.00} ) After the disputes and the changing of the bill, there are some charges on my bill that I do not recognize. I have tried calling some of the merchants to verify if the charges are actually mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive tried several times to get Experian to remove a bankruptcy that is not mine and cant be verified. Experian wont allow me to dispute this inaccurate information anymore. Ive attempted to dispute over the past 2 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 explanation
Consumer complaint received 2022-02-19 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: NJ

Complaint narrative:
By 15 is code 1681, the law states it, its illegal to report my bankruptcy publicly to the credit reporting agency.Ready as follows : Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: LA

Complaint narrative:
Sense the beginning of 2011 i have bren shifted around frim loan services to new ones and never get answers i never received diplomas also from XXXX XXXX university i was denied semester fund reimbursements when classes were dropped on schools part. I have tried disputing funds sense i am not a nurse because of there. school

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MD

Complaint narrative:
The accounts listed are adversely affecting my credit report and it is costing me money.This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem to be fixed asap, I have been going back and forth since early XXXX and still waiting for a response. I will not wait 50 or 60 days to receive no response because it is clear that I am being ignored on my disputes. I demand these accounts be deleted immediately or I will have no choice but to file for litigation due to all the things that you have caused me. In Section 611 ( a ), it states that any failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 30 days so these items should be deleted promptly. Attached is a copy of my Photo ID, my social security card, proof of address, my disputes, and my FTC 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 2022-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meade Recovery Services, LLC
State: UT

Complaint narrative:
A little over a year ago discovered that I owed money to XXXX XXXX XXXX XXXX which I've never visited. The debt is now being collected by XXXX XXXX XXXX. I called the dental office and they said that I can resolve the problem with the Debt collection agency, but after calling they were no help. I also submitted a couple disputes through XXXX credit report agencies, but the dispute was dismissed as " Accurate Information. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: OR

Complaint narrative:
I believe the previous owners of Cedars Financial and XXXX XXXX are still operating under Cedar Business Services attempting to collect debts that are invalid. They were banned from operating in 2019, but I believe they are linked to and still operating under Cedar Business Services. 

https : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
By 15 is code 1681, the law states it, its illegal to report my bankruptcy publicly to the credit reporting agency.Ready as follows : Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
By 15 is code 1681, the law states it, its illegal to report my bankruptcy publicly to the credit reporting agency.Ready as follows : Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had applied for a job ( XXXX XXXX ) where the company was to send me a company check for equipment ..they promptly sent the check via online for mobile deposit only..the next day, it showed posted in my account $ XXXX..posted, not pending! So, then the " accredited vendor '' for the office equipment wants me to XXXX  the the payment before delivery..XXXX & XXXX. {$4000.00} in payments were made..wells Fargo finally stopped the transactions..so, XXXX.I found out XXXX.via email that the check they posted was no good..keep in mind I only had {$700.00} of my own money in my account..why did they post that check without approval..I would not have sent any money if it was only pending..why did they let {$4000.00} go thru? XXXXXXXX XXXX is a fraud..very elaborate scam

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 2022-02-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received XXXX gift cards as gifts, total value of {$150.00}. The gift cards are issued by US BANK NATIONAL ASSOCIATION. When I logged in to activate my gift cards they were already drained. The cards were sent as gifts to me from my mother so I know they were legitimate and unused ; I received the cards in their original packaging, unopened. 
I have contacted the bank several times and sent them the info they requested via fax and they refuse to help me unless I can provide a receipt. I can not provide a receipt because the cards were given as a gift. I am very concerned because this means the data at this bank is not secure if these gift card numbers are being used, even though the cards are not opened. At this point I dont even care about the money XXXX alarmed that there appears to be a lack of regulation and this product continues to be sold in stores, essentially defrauding the people who buy them and give them as gifts.

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 2022-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Before I applied for refinancing, I specifically made it clear that under no circumstances would I accept a refinance that required an escrow account. I have been paying my property taxes, home owners insurance and flood insurance since 1979. The loan officer said to me no escrow is required and none would be in the future. I reiterated that only the principal and interest will be the monthly payment. 

Just about two years later, Newrez added an escrow to my statement. Newrez had not paid any taxes and/or insurances, I HAVE. Yet they added escrow. I called the customer service and the agent saw the escrow was added. I explained to him that I sent in the flood insurance " declaration '' page because they wanted proof of insurance. The agent investigated it and saw I pay all taxes and insurance, including FLOOD. He told me that the escrow would come off my statement. 

Weeks have gone by and during those weeks I have regularly sent documentation proving I am the payor. I receive form letters saying that they will investigate it, but the escrow payment remains. 

My perception why Newrez is doing this, say they hold 100,000 mortgages and each mortgage can average $ 250/month for escrow ... that gives them {>= $1,000,000} each month. Newrez takes advantage of the escrow accounts with other people 's money to make more to keep to themselves. Then they take those millions invest and profit by it without having to pay interest to an account holder. To bolster the balance of the aggregate escrow, they impose escrow on accounts that should not or do not have them by whatever means and by overinflating the escrow analysis. 

Newrez representatives are willing to tell you anything to get you to sign.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I received a debt collection in the mail with the original creditor being XXXXXXXX XXXX from XXXX XXXX XXXX. The letter states that I owe {$1200.00} And that this debt has been in collection since XX/XX/XXXX. During this time I had just been released from prison and was living at home with my mother. All of her bills are in her name and always have them, she has resided at the same address for 50 years. My ex, upon me being incarcerated, Had made a point to befriend my mother and still all of my identification documents. And the last 5 years I have found several accounts that she had opened in my name while I was in prison, I was notified of the accrued debt she placed in my name and have been disputing negative remarks on my credit report ever since. I, myself, have never had a utility bill in my name. I've never had a credit card. I'm never had a loan. I have zero credit.

Company response to consumer: Closed with explanation