vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I cancelled a trip from XXXX, trip # XXXX. XXXX has a policy to have full refund within 24 hours cancellation. The total Price is {$4600.00}, which includes two parts : 1. the air tickets of XXXX {$3600.00} and XXXX the car rental {$950.00}. In my Chase credit card XXXX statement these are two parts of refund : {$3600.00} and {$950.00}. However in my Chase credit card XXXX statement shows a rebill of {$3600.00} from XXXX. I disputed from my credit card company and contacted XXXX. I called tens of times and was kicked back and forth from Chase to XXXX. Chase said " a significant amount of time has passed since the date of the charge, the merchant is not willing to credit your account. '' I opened the dispute on XX/XX/XXXX. But after 3 months, Chase never solved my problem. Chase said I could only contact XXXX to ask for a refund. XXXX said " A refund of XXXX has been processed by our accounting department on XX/XX/XXXX. No additional charges made since reservation is already cancelled. XXXX insisted that I had to ask Chase credit card to find out the solution. Today I called both companies again each call took me more than 2 hours. Both sides asked me to find the other. The {$3600.00} becomes my financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/22 my checking and savings account was drained by td bank and they couldnt even tell me why when I called!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: Texas Guaranteed
State: TX

Complaint narrative:
The response of Trellis Company to my request ( XXXX ) is not acceptable. Again, in accordance with FACTA Section 312, I am requesting TRELLIS to send me 1. ) the original promissory note showing proof that I owe this debt and the agreed-upon terms, 2. ) maturity date, 3. ) principal, 4. ) interest and issuers signature. These are the accounts in question : TRELLIS- XXXX XXXX, Trellis XXXX. Please provide these 4 documents. 
Furthermore, I believe this information on my consumer report to be a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: CA

Complaint narrative:
This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Open XX/XX/XXXX Balance {$0.00} and XXXX XXXX, XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX {$0.00}.

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 2022-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Credit Collection Services is reporting I owe {$180.00} to a original Creditor XXXX  AN XXXX COMPANY IN XX/XX/2021 that i am not aware of.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I tried to have the bank stop my auto pay on my accounts they told me I have to pay XXXX dollars for each XXXX now more will be pulled fri and I can't pay all of the over drafts and payment I'm with chase bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-23 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CT

Complaint narrative:
Edfinancial has not provided confirms or updates or when my requested refunds will process. I made payments during the COVID pause and provided payments and their dates for refunds and have not been provided with any further information or outreach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have already filed a written complaint and sending correspondence for evidence and l would like to know the status of my complaint.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have already filed a written complaint and sending correspondence for evidence and l would like to know the status of my complaint.

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 2022-09-23 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints several times already but still, these accounts are visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have sent my FTC report to them but still, nothing has changed. These fraudulent accounts should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 

XXXX  XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$2200.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}

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 2022-09-23 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX XXXX  NA XXXX Date opened XX/XX/2021 Balance $ XXXX Late Date XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX  XXXX XXXX  NA XXXX Date opened XX/XX/2021 Balance $ XXXX Late Date 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 2022-09-23 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: NH

Complaint narrative:
I noticed a public record on my credit report. The public record was a bankruptcy XXXX  XXXX under my name. Cedit bureaus kept telling me the information was " confirmed by a third party data furnisher, XXXX '' I contacted that company directly and after their investigation, they deleted the account completely. I asked all three credit bureaus multiple times to remove the account because the data furnisher deleted it so it's not there anymore, it can not be verified. None of them will contact XXXX or remove the account.

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 2022-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Good Day : I currently have a VA loan with my mortgage lender, Carrington Mortgage Services. I went into the COVID forbearance plan during the pandemic. Afterwards, the mortgage lender did a trial loan modification ( beginning XX/XX/XXXX ) and asked us to pay a 3 month trial payment and they would send the trial loan modification agreement to us. We successfully made the 3 month trial payments per their requests, but never received the agreement after asking multiple times ( 3rd payment was XX/XX/XXXX ). We communicated and asked what was the next step and was informed they were behind on paperwork due to an overwhelm of loan mods and to wait. After complaints of not receiving updates, they recommended we start a new loan mod and submit an application ( XX/XX/XXXX ). Meanwhile, we were advised that we were still under the forbearance plan and were safe ( per their statement ). After months of back and forth, they have now provided results, which the modification was declined and they are suggesting short sale. We should have been considered for a VA partial and was not. A rep stated that the partial claim was inadvertently overlooked as an option and she admitted it should have been considered first, but it was now too late because they no longer offer it as they did not finish processing our XX/XX/XXXX application until XXXX. Prior to starting the forbearance, we were NEVER late and weve been in the home since XXXX. This is unacceptable as we were initially informed that we would have a loan modification completed and would continue to make monthly payments ; however, I can not pay the full balance that accrued during the forbearance. The lender has now submitted foreclosure documents to an attorney. We are fully capable of making payments. I am having extreme difficulties with the mortgage lender and they are requesting full payment of the balance that accrued during the forbearance period. They have now marked us as delinquent on our credit report after stating we were still under the forbearance during the loan mod. I DO NOT WANT TO LOSE MY HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

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 2022-09-23 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: GA

Complaint narrative:
I am submitting this because, the three credit reporting agencies did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading, inaccuracies on my report. This is keeping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: GA

Complaint narrative:
I am submitting this because, the three credit reporting agencies did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading, inaccuracies on my report. This is keeping me from obtaining credit.

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 2022-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX I logged in to Home Point Financial website and made a payment for my XX/XX/XXXX statement. It shows in my bank account the money went out XX/XX/XXXX. Home Point Financial has reported my credit and my husband 's as late. We made the payment before the 30 days, if it went out after that is something between the banks that has nothing to do with us. I sent them an email and they requested evidence which I sent, the lady requested more evidence which I sent and she still says is not sufficient. Today I received an email stating the evidence I submitted is still not sufficient when it clearly shows the money went out XX/XX/XXXX to Home Point Financial. She also stated if we don't submit what she wants by XX/XX/XXXX she will have our complaint closed. This put us on a really big disadvantage as we are staring our holiday season stating this coming Monday XX/XX/XXXX. XXXX of the things they are asking is a bank statement from XX/XX/XXXX which is a month that hasn't end so basically I'm not sure if they know what they are doing. Also not sure if there's some antisemitism involve since her due date is during our holidays, don't want to think she is willingly trying to ruin our season

Company response to consumer: Closed with explanation