vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
OK so now we have to explain that so whats going on here is I just finished a claim and they gave me XXXX and it was for unauthorized accounts which I will explain on my other complaint because I am not going to let XXXX XXXX get away with us but the point of this complaint is that I want more money because first of all I had a credit card it was charged and paid off someone from a different department sent me the truth in a package shortly after the claim so whats been going on is after its been negative read the card that was on my credit report for so long I disputed it after I was looking at my old S and I saw that they were trying to sell this card I called the lady said they still needed to pay I gave him {$1500.00} so why is this bank statement that Im looking at XXXX messages this is why Im kind of upset so I wan na know why I have all these accounts open in my name not currently but they were back maybe a few years ago and I never close these accounts you guys are going to get sued lets just make this complaint be about unauthorized accounts and a credit card that they lied to me about and they ruined my credit I want my credit store fixed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am a XXXX. A XXXX  prepaid for XXXX XXXX. She decided not to proceed with the XXXX treatment- so I gave her a check for the full refund. She deposited the check into her Chase Bank account. After processing the check through my account, Chase stated the check was fraudulent and put the funds into suspension. Chawe also closed the patients account and kicked her out of the bank. 

I can not retrieve the funds nor can the patient be given the funds according to Chase Bank.. Chase requested I go into a branch with the patient - which I did. I gave Chase bank several IDs + my tax returns + multiple other documents demonstrating my ID and ownership of the XXXX XXXX. I also emailed these documents to Chase. 

Chase Fraud department said they did not receive these documents even though i have email confirmation. Chase Fraud said I can not mail, fax, or email any documents directly to them. 

Of all parties involved, Chase seems to be the entity committing Fraud - keeping the amount I paid the patient iindefinitely ub suspension unless I retain an attorney.. 

My bank has also connected with Chase on multiple occasions to confirm the check and my identity- this is ridiculous! watch out for Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: CarMax, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX  XXXX XXXX, CarMax XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all inquiry I have no knowledge of can you please remove these from my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX all inquiry I have no knowledge of can you please remove these from my credit report asap

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 2022-04-06 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: FL

Complaint narrative:
I have disputed the following items with EXPERIAN to be removed and deleted from my credit report on XX/XX/XXXX and these unlawful incorrect items are still being reflected on my credit report : company XXXX XXXX XXXX account number : XXXX date opened : XXXX XXXX amount : {$980.00} company : XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$0.00} company : XXXX XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$0.00} company : XXXX XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$100000.00} company : XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$4100.00} company : XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$0.00} company XXXX XXXX XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$1900.00} company : XXXX XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$470.00}

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 explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NY

Complaint narrative:
I already put a complaint in but nothing got fixed. Ill start from the beginning. 

In XX/XX/2020 we bought our first home with a VA loan through XXXX XXXX. We had them for a couple of months and then our loan go switched over to XXXX XXXX. I was XXXX in XXXX due to COVID and we had to apply to get us through for a couple of months until I found work again we made our XXXX and XXXX payments, and asked for XXXX, XXXX, and XXXX off, and returned to making our payments. Everything was fine. We were then sold off to BSI Financial. They instantly starting sending us forclosure messages and saying we owed them thousands of dollars, we slightly got that issue fixed but nothing has been good since. We have made our payments to them since we have been with them, they statements are all messed up, rates going up and down, there data is completely messed up saying we owe thousands in taxes one month and then a bunch in Escrow for another month, and never applying ANY of our payments towards our balance. I have looked into these people and realized this is not the first time they have done this. This company should be closed because of how they have effected so many lives and have there data completely messed up. They must not have correctly looked over the loan when they recieved it because we went back to making payments. They fixed our credit, barely, but are saying we owe them thousands of dollars still? They are stealing our money and not applying it towards anything. 

I will be attaching their statements, ( that make no sense ), and our statements from our bank account that have proved we have paid. We have always paid the same roughly in our mortgage and that price should not have changed, or if it did we were never notified about it. However we speak to a person every time we pay because they wont let us pay online. ( which is extremely suspicious ) We would really like to get out of this situation and see BSI shut down. I know this is effecting other people, and they have already been in trouble for very similar situations. How are they allowed to do this. 

They are currently saying we need to pay them {$23000.00} They also send us a loan modification for {$8000.00} dollars more then we even paid for the house! 
We have been making payments every month, for 2 years besides the three with XXXX that got pushed back to the end of the term. It looks like we havent paid anything on our mortgage since we got it. This also means they have not looked at XXXX or XXXX XXXX to see all of our payments. 
We really need CFPB help on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I have been contacted by the same collection agency, Radius Global Solutions LLC, regarding a debt of {$56.00} on XX/XX/XXXX and on XX/XX/XXXX. I have disputed this debt as not being mine both times and it was removed from my credit report by all 3 credit bureaus. I have recently received a 3rd request to collect this debt from the same collection agency.

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 2022-04-06 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: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
U guys did a back ground credit report with out my ok i am upset over this u had no right to do so i am filing a complaint against u because of it

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 2022-04-06 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am in the process of closing on a house. The mortgage lender detected an outstanding balance of {$450.00} on my credit report. After speaking to a representative named XXXX XXXX at Ability Recovery Services ( the debt collector ), I have discovered this balance belongs to a person named XXXX XXXX whose date of birth is XX/XX/XXXX and whose address is XXXX XXXX XXXX EE, XXXX, Tx XXXX. I was told XXXX XXXX purchased an online course through XXXX XXXX on XX/XX/XXXX, which resulted in the balance. I am not sure how this balance came to be on my credit report, but it does not belong to me. This balance must be removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
I am being contacted by an unknown ARS collections for an unknown business that I have never received service from. When I try to speak with someone who is aware of the debt, no one has heard of the debt except for ARS collections. I believe that they are fraudulent and are scammers as well. Asking for a debt to be paid that doesn't even exist.

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ASSOCIATED MORTGAGE BANKERS IN
State: NY

Complaint narrative:
I bought a car using Associated Bank for Financing in XXXX  2021, I made a payment in XXXX, unfortunately the car was in an accident in XXXX, I Called Associated Bank immediately, I asked if I needed to make XXXX payment, they said no as long as the insurance company pays them off in 10 days, I called XXXX and got an email from XXXX that the loan was paid, in early XXXX I got a letter stating there was a gap in what the insurance paid and what was owed, I made a payment that day, made a payment in XXXX, and paid off the Account in XX/XX/XXXX, I received a 30 day delinquent notice to all XXXX credit bureaus -this was reported falsely!!! I need this removed from my credit ASAP, Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
In accordance to fair credit report at XXXX  account number XXXX ARS ACCOUNT RESOLUTION S has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 604 A section 2. Also states a consumer reporting agency can not furnish your account without my written instructions.

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX was sent several documents including their copy of the 1099a for the total unpaid balance on or around XX/XX/21. Even after that payment I was sent an email confirming they received the tender of payment and documents and proceeded to try to induce me into a fraud by asking for a check. They went on to say that they would continue to take the payements out of my linked checking account until they received the payoff payment amount as promised. I responded to their email and I have yet to receive a response back. Under duress, I wrote XXXX XXXX a check, Paid to the Order of the United States Treasury. It wa n't until then that XXXX XXXX sent me an email stating that the balance was paid in full. Soon after my consumer report was updated with an ontime payment, and the following month the report stated that the balance was paid in full. I just recently checked my credit report and XXXX has furnished a negative remark on my consumer report in the form of a late payment without my consent. Additionally, no one from this company has reached out to me personally before accessing my personal consumer report which is identity theft. XXXX XXXX is committing fraud by trying to force me to pay off the loan in federal reserve notes when federal law states that federal reserve notes is simply a promise to pay. Therefore it is my right to tender commercial paper as payment, and credit their institution as well as it is my right to provide them with a receipt to show goods have been received. Both of which was done in 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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX was sent several documents including their copy of the 1099a for the total unpaid balance on or around XXXX/XXXX/21. Even after that payment I was sent an email confirming they received the tender of payment and documents and proceeded to try to induce me into a fraud by asking for a check. They went on to say that they would continue to take the payements out of my linked checking account until they received the payoff payment amount as promised. I responded to their email and I have yet to receive a response back. Under duress, I wrote XXXX XXXX a check, Paid to the Order of the United States Treasury. It wa n't until then that XXXX XXXX sent me an email stating that the balance was paid in full. Soon after my consumer report was updated with an ontime payment, and the following month the report stated that the balance was paid in full. I just recently checked my credit report and XXXX has furnished a negative remark on my consumer report in the form of a late payment without my consent. Additionally, no one from this company has reached out to me personally before accessing my personal consumer report which is identity theft. XXXX XXXX is committing fraud by trying to force me to pay off the loan in federal reserve notes when federal law states that federal reserve notes is simply a promise to pay. Therefore it is my right to tender commercial paper as payment, and credit their institution as well as it is my right to provide them with a receipt to show goods have been received. Both of which was done in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX was sent several documents including their copy of the 1099a for the total unpaid balance on or around XXXX/XXXX/21. Even after that payment I was sent an email confirming they received the tender of payment and documents and proceeded to try to induce me into a fraud by asking for a check. They went on to say that they would continue to take the payements out of my linked checking account until they received the payoff payment amount as promised. I responded to their email and I have yet to receive a response back. Under duress, I wrote XXXX XXXX a check, Paid to the Order of the United States Treasury. It wa n't until then that XXXX XXXX sent me an email stating that the balance was paid in full. Soon after my consumer report was updated with an ontime payment, and the following month the report stated that the balance was paid in full. I just recently checked my credit report and XXXX has furnished a negative remark on my consumer report in the form of a late payment without my consent. Additionally, no one from this company has reached out to me personally before accessing my personal consumer report which is identity theft. XXXX XXXX is committing fraud by trying to force me to pay off the loan in federal reserve notes when federal law states that federal reserve notes is simply a promise to pay. Therefore it is my right to tender commercial paper as payment, and credit their institution as well as it is my right to provide them with a receipt to show goods have been received. Both of which was done in 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 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Iam a victim of identity theft I have submitted multiple identity alerts with all three credit bureaus with multiple police reports on accounts being open with my full identity and the credit bureaus have not showed they done a full investigation into these accounts to show that these are valid accounts that was open by 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 2022-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I sent {$1000.00} to a friend who resides in XXXX, FL. I used XXXX through my XXXX bank, as usual to make payments or send money for necessary things around XXXX. 
Apparently, I made a mistake I put XXXX on the part where XXXX requests what is the money for. I put XXXX because XXXX is a friend from XXXX. 
I requested a dispute with XXXX bank and they found out JP Morgan Chase Bank blocked the transaction due to the XXXX word written on memo. 
XXXX bank recommended me to apply for a license with the Department of the Treasury XXXX to unblock and release the funds. The application for a license was submitted back in XXXX of XXXX and on XX/XX/XXXX, of XXXX I received the letter from the Department of the Treasury informing me that XXXX has issued a license to JPMorgan Chase Bank to release the funds. 
XXXX bank and myself have been trying to get a hold of the department who handle these cases inside Chase bank but no-one knows what to do or what to say. The persona the money was sent also contacted Chase bank in several occasion and they keep telling her the money will be returned to me. 
Today, again XXXX bank and myself tried to talk to Chase Bank and they don't know what to do or where the money is. I need an investigation because I believe this is not the first time Chase has not returned the funds. This chase bank in XXXX is taking advantage of people who don't know English or don't know what to do to get their money back.. Today, my bank XXXX asked me to file a complaint with you to get to the bottom of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation