vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-29 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: FL

Complaint narrative:
In XXXX of XXXX, I noticed that the creditor, XXXX XXXX XXXX had been placed on my credit report. I immediately contacted XXXX XXXX XXXX at the address provided on my TransUnion report and I contacted TransUnion to dispute the debt since I did not or have I ever had and account with XXXX XXXX XXXX. 

XXXX XXXX XXXX NEVER wrote me back or contacted me. 
TransUnion continued to report the debt first showing a balance of {$2500.00} for about 6 months and then magically, after I disputed the debt again, TransUnion changed the balance of the debt to {$0.00} and I have never paid or contacted XXXX XXXX XXXX because the debt is not mine. 
On today, when I look at my credit report TransUnion has placed the following text under " Payment Status '' - UNRATED OR BANKRUPTCY. I DO NOT HAVE A BANKRUPTCY AND THIS ACCOUNT IS NOT MINE AND NEEDS TO BE REMOVED FROM MY TRANSUNION REPORT IMMEDIATELY. 

TransUnion continues to respond with " THIS DEBT HAS BEEN VERIFIED ''. I've asked them " VERIFIED BY WHO ''. XXXX XXXX XXXX is not verifying this debt with TransUnion because they don't even answer my letters.

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 2021-05-29 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: SC

Complaint narrative:
I have demanded that all of my personal information on my credit report be 100 % accurate, which it is not. I have already provided proof of my address to Experian, which it has ignored internally citing that " it does not remove personal information for which its creditors are reporting '' even though the information that they are reporting are WRONG! I have provided Experian with a copy of my Drivers License and a copy of my Utility Bill. They are reporting inaccurate and unverifiable personal information about addresses and names that do not belong to me. 

I am " XXXX XXXX XXXX residing at address XXXX XXXX XXXX XXXX, XXXX SC XXXX '', as the letter and proof that I sent to Experian states that I am, and under section 609 of the FCRA I demand that all other inaccurate personal information be removed from my credit report. That includes all other addresses and name variations, as what is being reported must be 100 % accurate. 

I do not recognize the other addresses or name variations on my credit report, and they are wrong. I demand that they be removed, since I have brandished a copy of my federal ID and a Utility bill with 100 % accurate and verifiable information.

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 2021-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on 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 explanation
Consumer complaint received 2021-05-29 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: FL

Complaint narrative:
In XX/XX/2021 I noticed EQUIFAX has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EQUIFAX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EQUIFAX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EQUIFAX permission to furnish this information. Fact, I never gave consent for XXXX XXXX  to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I paid this guy from Lexington law To clear up debt, your promise that I only be charged for the download of the credit report, one monthly payment Of XXXX, but yet there's no credit change in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AES/PHEAA
State: TX

Complaint narrative:
I paid this guy from XXXX XXXX  To clear up debt, your promise that I only be charged for the download of the credit report, one monthly payment Of XXXX, but yet there's no credit change in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
At appx. XXXX on XX/XX/XXXX money via XXXX from my Chase Account was sent to Unique Moore on two separate transaction. Because the service was never provided and the phone numbers that I was in contact with have been disconnected I am a victim of fraud. 
The following are the phone numbers : XXXX - XXXX - XXXX & XXXX - XXXX - XXXX. 
The service was supposed to be tickets to the XXXX XXXX game scheduled for XXXX XX/XX/XXXX. As of XXXX XX/XX/XXXX the tickets have not been sent to my XXXX account as promised by the recipient. A screenshot of my XXXX account that includes the date and time confirms this. Please find it attached. 

I recipients name the funds were sent to is XXXX XXXX. Her phone number is XXXX - XXXX - XXXX. 

I swear under the law this transaction did not deliver as requested. 

Since XXXX, I have been in contact with XXXX, Chase and the XXXX XXXX Police Department to resolve this issue. Case # XXXX was generated with the XXXX XXXX Police Department as they are investigating. Chase has initiated a backorder investigation are attempting to retrieve my funds as a " courtesy '' as the representative put it. 

I have attached all the needful documents. I have included the Please find them attached. 

P.S. I just attempted to call the XXXX number that corresponds to XXXX  XXXX. I called at XXXX today XX/XX/XXXX. A woman answered the phone and confirmed it was indeed XXXX XXXX. I informed her of the above information and that the police are in involved. She denied that she had ever received the money. Of course, Chase Fraud Department has indeed confirmed that the money was indeed sent evidenced by the transaction # 's attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I made online payment to Macy 's on XX/XX/21 of {$200.00}. The amount was deducted on XX/XX/21 from my XXXX  XXXX XXXX checking account. The amount has not been applied to my account and the agent informed me that the amount is on authorization hold until XX/XX/XXXX. Why? It wasn't a check. it was an ACH payment. What reason could there be to place the amount on hold for 10 days?

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 2021-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
To whom it may concern, consumer XXXX entered an agreement with Navy Federal. During the agreement and extension of credit by debtor Navy Federal that willfully and knowingly of The Truth In Lending act didn't specify my right to rescission. 15 U.S. Code 1611 - Criminal liability for willful and knowing violation. According to Congress, 15 usc 1635. I didn't receive any information nor contract so that is a violation of my consumer rights and a breach of the contract. Also Pursuant 15 usc 1605, here Congress states, ( a ) THIRD PARTY FEES.Section 106 ( a ) of the Truth in Lending Act ( 15 U.S.C. 1605 ( a ) ) is amended by adding after the 2d sentence the following new sentence : The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents XXXX including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : The information must be disclosed at the time of extending the open end credit plan. Therefore, you are in violation because you didn't disclose that information to me. 15 U.S. Code 1637a - Disclosure requirements for open end consumer credit plans secured by consumers principal dwelling. Remove from all credit bureaus permanently and immediately. This is an intent to sue if this isn't removed immediately. I am not specifying a date but in fact the account is in litigation at this point. If you are willing to compromise a deal to remove the item off of my credit report and provide an open end credit plan in a positive amount and remain in an open end credit plan please feel free me to contact me by mail with the offer. 
1. Navy Federal : {$4000.00} XX/XX/XXXX XXXX XXXX 2. Navy Federal : {$10000.00} XX/XX/XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is financial discrimination, I've been traveling for the last few months, I was unable to get a temporary card, because they discontinue it, so I'm having to make cash withdrawals for my account, right now I got stuck in Utah and have, because some of the branches are not open on the weekends, but other are,

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 2021-05-29 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: Nelnet, Inc.
State: FL

Complaint narrative:
I entered a consumer credit transaction with DEPT OF EDUCATION/XXXX  and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that DEPT OF EDUCATION/XXXX  claim I owe. DEPT OF EDUCATION/XXXX  has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays Delaware creditor have some fraudulent was of dealing with consumers when it comes to debt collection they always use third parties who then sure consumers but when I settled with their third party The Fraudulent Barclays Bank will not honor the agreement of their representative the third party. In my case The Fraudulent Barclays Bank referred me to their third party after I finish settling with their representative Barclays is still reducing to honor my request.

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 2021-05-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: AZ

Complaint narrative:
XX/XX/2021 Sirs, I have been using Us Direct Express, underwritten by Comerica Bank, for over ten years, and now experiencing major issues with the service and support from this company.

The issue I have with US Direct Express is that for the past few months, Direct express has denied me the ability to transfer funds though their website and telephone service, to any one of my current bank accounts.

I have tried as least a dozen times in the past three months to transfer small amount of funds ( {$25.00}, {$50.00}. {$100.00} etc. ) without it being rejected and being credited back to my account. 

As a XXXX person XXXX  XXXX, I am not able to leave the house, especially during Covid, and find an ATM. I cant pay my bills and expenses though Mastercard, and dont want to carry large amount of cash for security reasons, and go into my bank with large amounts of cash, and be accused of laundering money. 

I have spent hours on hold trying to talk to someone at Direct Express as to see if there are any hold or issues with the card, or myself, as I have been a holder of this card for almost ten years without any problem or issue.

The time I did finally get through to someone, I spoke with a woman who was pleasant enough, but would not even look into my problem, but just read a how to statement on the process of transferring funds from the Direct Express Mastercard to my bank account. She refused to address my issue and the call ended.

I even opened a checking account at Comeria Bank, thinking this might work as the card is issued by Comerica, but it did not go through.

My creditors do not accept Mastercard as a payment for bills and expenses due. The only thing I can do, as of this date, is withdraw cash, but for security and access issues, make it near impossible to use the funds deposited on my Direct Express Mastercard.

I dont know what I can do further to fix this issue, but quite frankly, the service from Direct Express has deteriorated tremendously over the past few years, and according to my research on search engines, I am not the only person who has issues with this company.

I am hoping by contact the CFPB, I can fix my issue, and go back to using the Direct Express Mastercard in the manner it is advertised and described on the Comerica Direct Express, and Treasury website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: FL

Complaint narrative:
I entered a consumer credit transaction with DEPT OF EDUCATION/XXXX  and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false XXXXursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that DEPT OF EDUCATION/XXXX  claim I owe. DEPT OF EDUCATION/XXXX  has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: LoanCare, LLC
State: FL

Complaint narrative:
XXXX  subserviced by LoanCare account number XXXX. I am having issues with this Mortgage Company as of XX/XX/2021 the account is finally payed in full after numerous phone calls and holding my final payment in suspense for almost a month. As you can see I have payed off over XXXX in the past two months. This company reported a missed payment in XXXX after an initial XXXX payment. REALLY?? After speaking to 5 associates I was assured by all, that this would be taken care of. Well guess what it hasn't and my credit has dropped by over XXXX points. We were looking to buy a new home, but can't because of my current score.

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 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
on XX/XX/2021 i deposit XXXX into the atm and the atm ate my money chase closed my account without giving me my money back from my issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XXXX2021 I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX-2021. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.

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 2021-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I accepted and paid a settlement agreement offered XX/XX/20 for {$450.00} which included complete removal from my credit report. 

CMRE keeps re adding the record to my report after it fell off. 

I got a payment confirmation code but never got payment confirmation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  subserviced by XXXX  account number XXXX. I am having issues with this Mortgage Company as of XX/XX/2021 the account is finally payed in full after numerous phone calls and holding my final payment in suspense for almost a month. As you can see I have payed off over XXXX in the past two months. This company reported a missed payment in XXXX after an initial XXXX payment. REALLY?? After speaking to 5 associates I was assured by all, that this would be taken care of. Well guess what it hasn't and my credit has dropped by over 100 points. We were looking to buy a new home, but can't because of my current score.

Company response to consumer: Closed with explanation