vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian completely ignored my previous CFPB complaint # XXXX. They did not even open up an investigation to verify this address for this complaint which is a violation of section 2 of the FCRA. They claim that they received confirmation of this address but failed to tell me which creditor or where they received their information from which is also a violation of the FCRA. My current correct Address Street Number , Street Name, City, State is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate. You would need to pull certified public records proving that I have any relation to this address, otherwise I demand they be deleted. Both XXXX, XXXX, XXXX and XXXX have properly updated this information, but Experian continues to refuse to comply with this demand. DELETE ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX. How did you verify this address? Did you obtain public record data to prove that I lived here? I demand that you send me documented proof of this address. Just because a creditor has a record of this address, does not make it valid. DELETE THIS ADDRESS FROM MY RECORD IMMEDIATELY. You HAVE NOT provided me with a copy of ANY original documentation of this address. Let me remind you that by continually reporting this address you are committing Negligent Enablement of Identity Fraud.

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 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I contacted Chase Bank on XX/XX/2023 about my paycheck being held for 7 days. I was told they would not release the funds due to them not having a way to verify the funds. Chase is violating regulation CC and also refused to give me access to {$200.00} on the next business day which is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX  months.

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 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I bank in Ohio. Thieves broke into the local post box and stole my mail. I had enclosed a {$100.00} check which they stole the account number from. The bank was notified of the theft and a hold was put on the account. A second account was opened to shield the remaining funds from the first account. 
On XX/XX/2022 the thieves approached a bank in Kentucky and tried to withdraw funds from the first ( stolen ) account. The teller saw that there was a hold on the first account and released the funds, {$2400.00}, from the second account. 
My account was then charged the {$2400.00}. 
I have approached the bank four times and the branch manager submitted an affidavit for me. I was told to wait 120 days and it has been that long. Now I learned the affidavit is missing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit collection services has been texting me regarding medical debt. They were informed verbally I had an insurance claim on the debt already. At XXXX on XX/XX/2023 I received a collection attempt text and it woke me up outside of normal waking hours.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. YEARS AGO I WAS XXXX XXXX XXXX DURING A HOME XXXX  BY 4 PEOPLE. THEY GOT AWAY WITH MY SAFE THAT CONTAINED MY PERSONAL DOCS AND MONEY. DURING THAT TIME A LOT OF PEOPLE NEAR ME HAD THERE HOMES RUBBED BUT IT SEEMS
AS IF THE POLICE WERENT DOING ANYTHING ABOUT IT. THERE WERE NAMES FLOATING AROUND ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN CAUGHT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE THIS FRAUD INFORMATION FROM MY CREDIT REPORT IN 4 DAYS. 

 FRAUDULENT ACCOUNTS: Account name 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 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 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my 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 explanation
Consumer complaint received 2023-01-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: NC

Complaint narrative:
Hi - We bought a home using a first lien mortgage ( XXXX yr fixed ) product and then refinanced it again from AIMLOAN. We have always used the online portal to pay the mortgage payments. To log into the online servicing portal, the website uses XXXX step authentication process ( first login and password, and second sends a XXXX digit passcode to email ) process to validate credentials. More than a month ago, the process broke down : After completing first stage, the portal stated that XXXX digit code has been sent but I stopped getting the code without which I am unable to login and make payments. I called and escalated and even communicated with their XXXX - XXXX but in vain. They have been giving run around and communicate sporadically but have not been helpful. Meanwhile I had to call their customer service and had to make payments after spending XXXX mins every time. The service and approach to customer complaints resolution has been awful. 

Can you please help resolve the issue and also make sure that other customers are not subjected to similar lapse in service? 

Your help is highly appreciated. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Porsche Financial Services, Inc.
State: IL

Complaint narrative:
Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc.
State: FL

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent a check to pay my mortgage for the month of XXXX in the amount of {$1900.00}. American Financial Network has not applied the payment to my account. I've called and reached out on numerous occasions to get the situation resolved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
THE ITEMS BELOW ARE INSTANCES OF IDENTITY THEFT I DID NOT AUTHORIZE THESE ACCOUNTS. 
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 2023-01-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THE ITEMS BELOW ARE INSTANCES OF IDENTITY THEFT I DID NOT AUTHORIZE THESE ACCOUNTS. 
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 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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently disputed a collection account in my credit report per Experian results the collection account was removed but also Experian dropped my credit score XXXX points on XX/XX/ for no apparent reason. That score is incorrect XXXX points is a lot of points for nothing to change except a collection account that was removed

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 2023-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my 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 explanation
Consumer complaint received 2023-01-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please take a look at the attached letters and XXXX XXXX XXXXor verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have contacted Transunion, XXXX, and XXXX 6 or 7 times in the past few months challenging the 100 % accurate reporting as required by law of this account and each time they say its verified as accurate... i do not believe they are conducting a proper investigation,,,,,,, first off i dont even know where this account came from... .secondly it is duplicated on my report it is literally reporting twice... i have included a copy of proof... ..this is definitely a violation of my consumer rights

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 2023-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
This is a follow-on to complaint XXXX. To re-cap, I was hired for continued government service with my previous employer to work overseas. This hire occurred in XX/XX/XXXX We knew there would be substantial time before I left. We contacted Amerihome Mortgage company OFFICIALLY XX/XX/XXXX to ask for the request paperwork for an assumption of the loan to take my name off the mortgage. We did not receive the document until XXXX XXXX. I have email traffic proving I sent a PDF filled form back to the assumptions email box on XXXX XXXX. On that day, we did call Amerihome to verify it was filled out correctly before sending. The auto response email stated to give 7-10 business days. We did that, but did not hear anything. This prompted my first call on XX/XX/XXXX to find out info. Unfortunately, no-one can talk to assumptions directly so we had to talk to customer service. All they can do is email assumptions. Many calls later and emails to assumptions, no response from assumptions, I even talked to the escalations department who tried. No response. Again, this was just to request the assumptions packet! Finally, XXXX XXXX XXXX emailed us the package on XXXX XXXX, followed with a phone call on XX/XX/XXXX to assist with filling it out. We filled it out and sent it to XXXX on XXXX XXXX. Then, my girlfriend was asked to send a copy of her social security card so assumptions could send to underwriting. It was received on XXXX XXXX. It's disturbing to know that the company 's response from my previous submission happened on XXXX XXXX, but the individual responding did not know the most current info! Currently, there still is a problem. It seems XXXX XXXX may have quit and we do not have a contact anymore. Has the package been sent to underwriting? The length of time this has taken is ridiculous. I am set to leave soon and we still do not know what's going on! Spoke to Escalations again on XX/XX/XXXX, call reference XXXX. No response yet. In the company response on my previous submitted complaint, XXXX XXXX gave her contact info so I called. Of course it went to voicemail, and the name was a different person. Left a message anyway. No return call. This process has added stress to an already stressful situation with my move. With no real ability to talk to anyone about the progress of our submission, we are in the dark. Not a great place to be. Amerihome should be ashamed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
( There is an ongoing fraud case with 4 credit cards and so far, nothing has been done. ) I have 3 demand deposit accounts with the bank that the bank froze. If they obtained a court order, I was not notified. I am unable to transfer any of the funds. I have made numerous calls and the credit card fraud dept sadistically wants to punish me and force me to potentially catch XXXX and either get sick or die from it and they are adamant I venture into a branch. I am XXXX XXXX XXXX and vulnerable. I have been a bank customer since 1988 and have lived at the same address. I had preferred status with my IRA account. It just transferred out and I fear the bank will start assessing finance charges to " steal '' my money since they froze my accounts. In my opinion, this is elder abuse and I question the bank 's solvency. 

If I try calling the numbers listed, they refuse to speak to me unless I will risk my life by going into one of their branches. 

I attached a snapshot of my accounts with the bank and the error message showing frozen accounts.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A number of years ago i had someone use my social security number to access lines of credit and open credit cards, since then there has been multiple accounts opened in my name with different addresses, phone numbers and employment details that are incorrect. This is not my address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This is not my employer ; XXXX This is not my phone number ; 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 2023-01-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/ 2021 I disputed two entries on my Equifax credit report due to inaccurate XXXX dates. Equifax was reporting XX/XX/2021 and XXXX was reporting XX/XX/2021 due to these inaccuracies I requested the entries be removed. To date the entries show on my credit report and Equifax has not responded to my dispute. I also sent a copy of my debt validation letter to both Equifax and XXXX and have not received a response or removal of the entries. XXXX XXXX, XXXX as listed on the Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Amex denied a {$120.00} charge for no reason, and after making a payment the balance in full 30 days prior to the due date cause they set an extremely low limit.

Company response to consumer: Closed with explanation