vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 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: American Credit Acceptance, LLC
State: NC

Complaint narrative:
Thank you for taking the time to review my credit file. 
I did not give permission to the following companies to pull my credit report. 
When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AMERICAN CREDIT ACCEPT AUTO FINANCING COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX COMPANIES - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX AXXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AMERICAN CREDIT ACCEPT AUTO FINANCING COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX, XXXX REMOVAL DATE XXXX XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX XXXXNQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX Thank you for your time and attention to this matter. I look forward to hearing from you soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Hello, ChAse has a promotion on all there ink cards. Online it is stayted everybody with those cards will be able to participate, no registration needed. Now after spending the required amount Chase refuses to award those extra points. Now chase argument is that my account is not targeted. In this case chase should do a promotion with registration and dont mislead the public. I reached the first tree hold and stoped spending after I run into the problem. After several inquiries with case I am not getting this issue resolved. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: IL

Complaint narrative:
After being told by XXXX 's loan mitigation rep named XXXX on XXXX, that I would be allowed to make XX/XX/XXXX and XX/XX/XXXX repayment payments by the end of XX/XX/XXXX, I was once again deceived by XXXX. When I called and stated I wanted to make the payments, I was told that all of the money is now due and payment could not be accepted for anything less than that. 

**CFPB, I need you to do something about XXXX XXXX numerous deliberate and willful deceptions made to speed the foreclosure process on my home. Just accepting their letters of even more lies and omissions should be a crime and shame on you for continuing to allow this. I am going to call my US Representative and both of my US Senators and complain that you are doing nothing more than collecting data and this is another federal taxpayer paid bureaucracy we American citizens can very easily live without!!!. You were not created to protect crooked mortgage Servicers** First XXXX told me that they would not honor my previous Servicer 's repayment plan made with me after my COVID19 Forbearance had expired with even another previous Servicer. This caused me to miss the XX/XX/XXXX repayment, which is the outcome they wanted. 

Then they sent me an application for a modification that I received a week after the date it was due to be returned. 

Then they sent me a package to sign and return to them by XXXX noting that I accept a repayment plan with them. I faxed it back to them on XXXX. 

When I called them to make sure it was received they did state that I could pay XXXX payment by XXXX and XXXX by XXXX. And he also stated that XXXX 's payment would need to be paid by XXXX. I was to call back with my checking account info or the rep would call me the following day. 

When I got home and checked my check register, I seen that I had already made another payment for that date with another creditor. So I called XXXX back and requested an additional XXXX weeks but that I could still have all repayments current by XXXX. XXXX 's manager stated that both XXXX and XXXX 's payments would need to be made by the end of XXXX. Even that was another lie told by XXXX. 

ALL REPAYMENTS WOULD HAVE BEEN MADE ON TIME IF XXXX HAD NOT LIED AND SAID THE PREVIOUS SERVICER 'S REPAYMNET PLAN WOULD NOT BE ACCEPTED BY THEM. I could have continued on as I was doing, just as the XX/XX/XXXX had been made directly to XXXX via USPS certified mail. 

XXXX instead terminated the repayment plan only a few days after they had even acknowledged it and then sent me a letter dated XXXX stating that. 

Then on XXXX, they filed a lawsuit to foreclose on my home. 

All of their actions appear to have been preplanned and deliberate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: IL

Complaint narrative:
Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX  because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. and the company called my childs phone and her boyfriend and a old co worker also some how called the church .Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Dear CFPB Thank you for hearing me again over the last XXXX yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over XXXX  times in a XXXX yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got XXXX evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the XXXX  because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. 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 2022-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to validate my debt one this one account in the letter attached

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 2022-02-04 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: FL

Complaint narrative:
I HAVE DISPUTE THIS ITEMS NUMEROUS TIMES. INVESTIGATION TOOK WELL OVER 30DAYS. I DIDNOT RECEVIED ANY OF RESULTS FROM THE CREDIT BUREAUS. ACCOUNTNAME { XXXX 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 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
TD Bank failed to issue the {$300.00} bonus within 140 days after my XXXX Checking account was opened on XX/XX/2021, and the required direct deposit of {$2500.00} was made way before the required 60 days on XX/XX/2021. The Bank is now in breach of the contract as advertised and posted online for the promotion when the full terms and conditions for my account have been met. See attachments. 

Despite countless contact with the Banks useless customer services agents, the problem still has not been fixed. 

The bank must immediately correct this problem and post the required {$300.00} to my XXXX Checking account without any delays!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
ON XX/XX/2022 ELEVATE FLAG MY ACCOUNT FOR A DEBT THAT I DO NOT OWE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Thank you for taking the time to review my credit file. When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: FL

Complaint narrative:
When I bought my home in 2005 at XXXX XXXX XXXX XXXX Georgia XXXX last name at the time XXXX, I signed the loan documents and I took out owners title insurance with XXXX XXXX XXXX XXXX. First American acquired XXXX. Last week I requested a copy of my full title insurance documents only to be told they can not locate any information for me. I have several friends who purchased with me and have the same documentation and it states XXXX XXXX XXXX XXXX. I want a copy of the title insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: AZ

Complaint narrative:
XXXX  XXXX, AC # XXXX, DO:XXXX Amount {$2000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO:XXXX Amount {$1100.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXXXXXX XXXX XXXXXXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX XXXX AC XXXX XXXX, DO : XX/XX/XXXX, Amount {$750.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$180000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$2600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible.

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 2022-02-04 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: NY

Complaint narrative:
On XX/XX/XXXX, I purchased concert tickets for {$580.00} from the website, XXXX using my Chase Visa debit card. Because of the pandemic, the concert was first postponed. Then the concert was officially canceled sometime in XXXX. The merchant 's policy was if the event was canceled customers would be entitled to a full refund. I first filed a complaint with Chase in XX/XX/XXXX because the concert was obviously not going to be rescheduled anytime soon. Chase declined my claim because they say the concert was rescheduled, and not cancelled. I then disputed the resolution once the concert was officially cancelled. Chase still does not want to refund me the money, although I've provided significant proof that the concert was cancelled, and the merchant ( XXXX ) will not refund me the money themselves because Chase has already come to a resolution. XXXX already have a bad reputation for scamming customers out of their money XXXX XXXX XXXX XXXX Now, the merchant will not refund me my money or give me credits for future events, so I am out of almost {$600.00}. It's completely unfair that Chase as my bank will not mediate the situation.

Company response to consumer: Closed with explanation