vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 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: TX

Complaint narrative:
I requested by letter for XXXX, TransUnion and XXXX to validate the missed payment on three accounts with the Office of Attorney General. I received a response by email from XXXX and by mail from Transunion and XXXX by mail. That the accounts were verified as correctly reporting. All 3 credit bureaus reports are inconsistent showing sever missed payment on one case TransUnion has reported 30 payments being missed. While XXXX reporting 5 missed payments and no other data received. XXXX reports has a 180 days pass due since XX/XX/2021 and all three agencies reporting different amount owed. The same inconsistency is report on the other two cases with the XXXX office. I haven't received any documentation supporting their findings from the investigation. I had miss work and went to the XXXX office for a print out of my payment history there was no missed payment due to the payment is being garnished from my pay check. I don't know how XXXX, Trans Union and XXXX received the information I was told at the XXXX office that they don't give out this information over the telephone without proper identification. Must be in person or a legal representative for the custodial or noncustodial parent in the case.

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 2021-12-03 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: TX

Complaint narrative:
I requested by letter for XXXX, XXXX and Equifax to validate the missed payment on three accounts with the Office of Attorney General. I received a response by email from XXXX and by mail from XXXX and Equifax by mail. That the accounts were verified as correctly reporting. All 3 credit bureaus reports are inconsistent showing sever missed payment on one case XXXX has reported XXXX  payments being missed. While Equifax reporting 5 missed payments and no other data received. XXXX reports has a 180 days pass due since XX/XX/2021 and all three agencies reporting different amount owed. The same inconsistency is report on the other two cases with the OAG office. I haven't received any documentation supporting their findings from the investigation. I had miss work and went to the OAG office for a print out of my payment history there was no missed payment due to the payment is being garnished from my pay check. I don't know how XXXX, XXXX XXXX and Equifax received the information I was told at the OAG office that they don't give out this information over the telephone without proper identification. Must be in person or a legal representative for the custodial or noncustodial parent in the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX  on line with XXXX. Made one on line order {$100.00}. Tried to get XXXX XXXX for {$27.00} for third item. Called an off shore agent incorrectly add {$70.00}. Later XXXX hours of calls got USA agent for XXXX who corrected same order. XXXX received XXXX seperate authorization requests. In call XXXX hour XXXX agent in XXXX, XXXX. two reversal of authorization codes. I call bank with codes 4 days. Bank said would drop pending! XXXX! Day three got bank claim supervisor XXXX, who said he has codes and would authorize release of two of three duplication authorizationXXXX XXXX. Per XXXX. After XXXX hrs with bank the executive office open incident case. For 7 days these pendingXXXX XXXX authorizations have restricted my demand deposit checking acct. 
XXXX did not have two items ordered, therefore XXXX duplicate authorization will not drop off in XXXX hrs. Bank has unlawfully restricted the use of almost {$300.00} in a buying season. Please investigate!

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 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
Upon check my credit file, I notice immediately that I had become a victim of identity theft that. I immediately took action by contact the 3 major credit bureaus and file Police/FTC to have these account removed from my credit filing. I was able to get these fraudulent account resolve, except for 1 with the company ACIMA credit. I immediately reach out to them once i had got a response from the credit bureay XXXX that my dispute had been denied. Upon reaching out and speaking with a representative of the company where they told me, they did find accounts with my information attached but with different name listing, i was then told to email the fraud department and that i would get a response by email or call in 2-3 days, several days had passed and i received no contact from the company, I repeated this step again.. called 3x and on the final time i was told to resubmit the email.. still no response.. THis account is for {$2100.00} but it is stated to be charged off.. I would to have this matter resolved as i have not beneifted nor authorized the use of my information to obtain anything with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
On or about XX/XX/2021, I purchased a NEW Chrysler XXXX XXXX XXXX for my family. At the time, I took out a {$10000.00} loan from Chrysler Capital. I did so as part of the normal vehicle sales/purchase process. I took the loan knowing I would pay it off rapidly - as I took the loan solely to secure some purchase incentive that the Dealer suggested. 

I paid off the loan in XX/XX/2021 ( only 5 months later ). 

On XX/XX/2021, I received a written " Lien Satisfied '' letter from Chrysler Capital. 

Subsequently, I never received the title to the vehicle. I sent 3 written communications to the Chrysler Capital website portal. ALL of those went without meaningful or substantive response. I also called 3 times. The hold times are excessive and no one seems to care. 

The last two agents I spoke with had ID # XXXX and ID # XXXX. The first rep told me she saw the issue and would re-issue the title to me at my address of record. NOTHING was ever received. 

I forced to call again only to go through the same nonsense. No one seems to understand what is going on. 

I asked to have this escalated to Legal and nothing was done about that either. 

I am hostage to this situation as ONLY Chrysler can instruct the release of the lien and delivery of the vehicle title. 

I need someone in management to take ownership of this and get it resolved. It is simply ridiculous that something as basic and fundamental as this can not be resolved and executed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
in XXXX XXXX 2021, an account was deleted from my XXXX file ; on XX/XX/2021, the same account reappeared the amount was XXXX and the company was Gm Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: TX

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: SC

Complaint narrative:
We closed on our house last month. At the time of closing we paid all fees to include our taxes. Despite being advised by our closing attorney ( and I have emails to show this ) the mortgage company decided to not wire the money for taxes, instead they deducted it and kept it. Where this becomes a problem is they sold our loan quickly to another company and now no one can tell us where this money is. We have been working with our local branch and are told no one can find it. We have called customer service at Primary Residential Mortgage and are told we never had an account with them. We keep getting the run around despite having emails given to us by the attorney showing that XXXX kept our money. I have tried sending emails to the closing representative at XXXX and they refuse to respond to me. At this point no one can tell us where our money is and will not communicate with us. It seems they have kept our money and are claiming to have no record of it. Again we have documentation that they did not follow normal procedure and were advised against doing this by our attorney, XXXX refused to comply with the attorney recommendation and this has resulted in the loss of our money. We are beginning to suspect they have stolen our money or doing some form of illegal activities. I have exhausted all avenues other than someone with the government investigating what happened, so we are not out more money to pay our property taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX received a False and deceptive communication from Balanced HealthCare Receivables dated XX/XX/XXXX at my place of abode. In the communication it contained false and deceptive tactics and languages to attempt to collect a debt such as Balance d HealthCare Receivables stating that they are debt collectors and that communication was an attempt to collect a debt I the consumer never heard of Balanced Health Care Reciveables prior to that communication therefore I know that I never gave them no direct consent to contact me in regards of any debt so by them contacting me without my direct consent they were in violation of XXXX XXXX XXXX ( a ). XXXX  XXXX XXXX stated in their communication that I the consumer owed {$460.00} which is a violation of XXXX XXXX XXXX ( XXXX ) ( A ) for the false misrepresentation of character for it Is a fact that I can not pay on a positive balance as if I were to deposit {$460.00} into a bank account it is a fact that I don't owe the bank the bank owes me. Balanced HealthCare Reciveable 's communication is on the grounds of a Billing error In and on which I requested documentary evidence pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX. Balanced HealthCare is now civilly liable to pay me {$5000.00} pursuant to XXXX XXXX XXXX and from this alleged debt resulting from identity theft {$1000.00} pursuant to XXXX XXXX XXXX ; and they are now criminally liable pursuant to XXXX XXXX XXXX for devising a schemed on the grounds of trying to defraud me the consumer and for their swindle activity to pay compensate me {>= $1,000,000} Also along with notice of billing error I also along with billing error I sent Balanced HealthCare Receivables a XXXX page Validation of debt letter ; and a XXXX page invoice ; and a XXXX page affidavit of truth

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/2021, Experian. XXXX XXXX XXXX of the fair credit reporting act law states that a consumer report must be accurate. Experain is reporting my name and address inaccurately. I HAVE DISPUTED MY PERSONAL INFORMATION TWICE. I have attached documents to support my personal information that is listed on my consumer credit report is being reported as INACCURATE. REMOVE FORMER ADDRESSES. THOSE ADDRESSES ARE NOT MY ADDRESSES. MY NAME IS SPELLED WRONG. UPDATE MY NAME TO XXXX XXXX XXXX XXXX as it shows on my birth certificate and social sercurity card that is attached to this compliant. I ALSO ATTACHED MY CURRENT EXPERIAN CREDIT REPORT ( PERSONAL INFORMATION ) FROM EXPERIANS WEBSITE.

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 2021-12-03 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:
XXXX XXXX had erroneous reporting on my credit reports and it has seem to affected all agencies. I have disputed the charge in its entirety due to inaccuracy. 

On XXXX XXXX, 2021, I disputed the account with Experian directly, but was informed that Experian determined the information as verified and accurate. During a XXXX XXXX, 2021 follow-up phone call with Experians representative, the rep indicated that Experian did NOT conduct an independent investigation into the information, but rather solely relied upon XXXX to determine the accuracy of the information. The Experian rep was XXXX XXXX and confirmed they did not do an investigation and only relied on XXXX 's statement. 

I have previously disputed the debt with XXXX XXXX XXXX XXXX and XXXX XXXX on XXXX XXXX, 2021 and XXXX XXXX, 2021 respectively. Neither entity provided a response to my FDCPA dispute. I can provide copies of this correspondence if needed. As such, I also formally disputed the information directly with XXXX and request an investigation as outlined in Section 623 of the FCRA.

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 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Inacurrate and fraudulent accounts reported from 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 2021-12-03 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: MA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A couple months ago, I used to bank with Bank of America. I liked banking with them because my work checks are with Bank of America. but I had a family emergency in another country where I had to fly out and with in that I lost my debit card within that process. And I guess they closed it due to fraud or something like that. I was told I could never reopen with them until XXXX years, I called to find out why and all they said was that it shows something about business decision and that I can not open a new account. No reason was specified on why it was closed all they said is I cant bank with them anymore.

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 2021-12-03 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: OH

Complaint narrative:
On XX/XX/21 I filed a claim with chase bank about my missing item, specifically a XXXX, I had told them I tried to resolve the issue with the merchant XXXX however XXXX offered almost no help to me locate my missing package, I had told chase bank the situation and they let me open a claim, after weeks of waiting I get the results of the claim and it comes back DENIED. Chase believed the merchant more then me due to the fact the package said delivered which doesnt make any sense to me. Chase requests that I file a police report to help them investigate the case. I file a police report and send the full report to chase to help. About XXXX  days later they had told me the claim can not be open because this still doesnt help my case. How? I have a police report stating they couldnt find the package and dont know what happened to it, the police officer that was helping me create this report told me that often delivery drivers will scan items as delivered and take the items. I have had several items from my address get lost from various amounts of times so I do believe something like this happened. Chase told me ONCE AGAIN that they cant open the case again because the item shows is delivered which is really absurd to me, I say that the package hasnt come in and you cant help me at all? XXXX They had also told me I need more proof that the item is lost or I didnt get it when theres nothing else I can do. I tried to file a claim with XXXX who delivered my package and they wouldnt let me open a case, I called them endless times all with the same result sorry we cant help you with this Ive always loved chase until now, there customer service has always been at help to me but they have really XXXX me off this time. Its like they really dont care about me and they dont care about what Im going through right now. Chase has always proved to me they really trust and always want to help their people, but this proves they dont. Please dont use chase bank if you expect them to help you in the slightest. use any other bank then this. They wont take your feelings or thoughts or EVIDENCE into consideration. Complete XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
On XX/XX/2021, I received a Bank Statement from Wells Fargo Bank, for an account I never opened. I immediately called the 800 number, and after many department switches, I was sent to what I believed was the Fraud Department. I spoke to someone in that department who gave me the following ID Theft # : XXXX. I was also told to file a report with the FTC, which I did and received a number from them, and to place a Fraud and Security freeze on the 3 credit bureaus, which I immediately did. I also decided to file a Police report with my local Police Department, which I did and received a copy of the report. 
I asked the person I talked to, to please send me confirmation of this complaint and to please close any accounts with my name on them. I thought that was all I needed to do, however... 
On XX/XX/2021, I received another bank statement, dated XX/XX/2021. I again, called the 800 number only to be told I had a wait of up to 1 hour. I found that to be unacceptable, so I decided to write a letter to Wells Fargo on XX/XX/2021 asking, again, to close this account and send me confirmation of this. I included my Police Report and FTC ID Theft report, as well as my e-mail address and phone number It is now XX/XX/2021 and I have not received anything from them as of today. The address on this account is an old address from 7 years ago.

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