vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The Natural person and consumer is the only true creditor as I can create the debt per federal law along with other laws that can easily be researched after the XXXX of the XXXX in XXXX.So when filling out a consumer credit transaction it means that I had to use my " card '' aka my XXXX XXXX XXXX aka my XXXX XXXX XXXX to extended myself credit. So how is it a benefit to me, the natural person, to pay on something I issued? u XXXX XXXX XXXX are willfully and knowingly committing fraud. This is a violation of my consumer rights because congress says the use of a credit card by a person other than the cardholder who does NOT have actual, authority for such use is unauthorized ( 15 USC 1602 ( P ) and in this case my credit card was my social security card. This is false and misleading and the integrity of this information is not accurate ( 12 CFR 1002 ( e ). Also, according to 15 usc 1681 ( e ) ( b ) - Accuracy of report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
THIS COMAPANY HAS PLACE XXXX ON ALL XXXX OF THE MAJOR CREDIT BUREAUS. THEY ARE NOT COMMUICATING WITH ME AND I HAVE SENT IN ALL DOCUMENTS TO HAVE THIS REMOVED FROM MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive been attempting to dispute my credit report with the XXXX bureaus for years since 2020. Proof is submitted below. This year specifically, they received phone calls, online uploads, and mail. XXXX, TransUnion, and XXXX have a been contacted through every method of communication. There have been no fair resolutions. This has caused severe almost irreparable damage. Defamation of character, invalid denials, withholding of employment consideration. There are monetary damages as well, XXXX XXXX XXXX lost due to malpractice and unethical / illegal business practices under the FCRA. Their is possible element of racism as Ive been told by XXXX that Ive lived in a risk area. Ive lived in communities that happen to be predominantly XXXX American and XXXX. Race/ethnicity should not play a role in my credit reporting. As a young XXXX my disputes with the credit bureaus are not taken as seriously. The evidence shows it as Ive tried disputing incorrect information for XXXX I get turned down right away, when Ive had a XXXX attempt to repair my credit from the firm of XXXX XXXX XXXX they have more success. They can only do as much I do in terms of credit repair. XXXX states that anything a credit repair company can do I can do individually. Im unable to afford more attorney credit repair services as Ive already felt enough financial damage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Mortgage has been reporting an unsecured personal line of credit tradeline ( that was originally originated by Washington Mutual and transferred to Chase through the WaMu acquisition ) as a mortgage product on my credit report for XXXX years. When I disputed the tradeline with XXXX in XXXX of XXXX, Chase Mortgage reported the account as still open, but was unable to locate the account when I called the number referenced on the tradeline ( XXXX XXXX XXXX ) and provided the account number listed on the XXXX or my PII ( XXXX, XXXX XXXX XXXX XXXX  ). The tradeline both before and after my XXXX dispute indicates the tradeline was paid and closed, with a last activity date of XX/XX/XXXX and a closure date of XX/XX/XXXX. I have attached the tradeline information from the dispute response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kingston Data & Credit International Inc.
State: MS

Complaint narrative:
Kingston Data And Credit is claiming I owe {$1300.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: CA

Complaint narrative:
I applied for a reverse mortgage with Reverse Mortgage Funding, LLC on XX/XX/2021. My loan advisor, XXXX XXXX, informed me it would take approximately 30-45 days to process. I got my counseling certificate on XX/XX/XXXX. For the next several months the loan process dragged on. The company finally requested an appraisal in XXXX but rejected it because " we don't want it '' is what XXXX XXXX told me. They then requested another on in XXXX. That appraisal was submitted by a certified accredited appraiser, that Reverse Mortgage Funding chose. The loan continued to drag on. XXXX XXXX assured me every month that the loan would close that month which it never did. She told me again it would definitely close in XXXX which it did not. In XXXX she contacted me to say that my loan was approved but Underwriting had changed the value of my home, downgrading the appraisal. I had so many red flags on this company, this was just another one. I decided not to sign the papers for their downgraded value ( which I understand from speaking to a real estate attorney is not legal ). Then I contacted them via mail and asked what their mediation/in house resolution process is. I never heard back from them. I filed a report with the XXXX  asking that the company contact me. They have not. After 5 months, it is still unresolved. I would like to get my reverse mortgage based on the appraisal. I am XXXX years old and have never been treated so insensitively and disrespectfully by a company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Repeatedly asked to provide validation of debt ( XX/XX/2021 & XX/XX/2021. No response has been received, to date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I have contact University Accounting Services multiple times through mail. I have requested a validation of the debt- I also sent the documents certified mail. XXXX has received my mail and then keeps emailing but is not emailing anything I have asked for. I have not got anything that I have requested. I have now sent an Affidavit of truth along with other documents to the company dated XX/XX/21. After continuing to get ignored I took charge and found multiple violations. I marked my exhibits and sent them in.

15 USC 1692 15 USC 1692 ( 5 ) 15 USC 1692e ( 2 ) ( A ) 15 USC 1692d ( 1 ) 15USC 1692e ( 11 ) 15USC 1692f ( 1 ) 15 USC 1692j ( a ) 15 USC 1692c ( 1 ) Since starting this process I have continued to pay because I do not want it to hurt my credit however it is getting ridiculous since I have asked for specific documents and I haven't received them, however I don't believe I should have to keep making payments. 

As of today the balanced owed is : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: MI

Complaint narrative:
It is common knowledge that Discover Student Loans offers a .25 % interest rate reduction when a borrower signs up for automatic payments. 

I as a borrower have the right to choose these automatic payments as long as the amount remitted per month is equal to the minimum amount due per month. 

Interest on student loans is compounded daily. 

I asked if I could have the .25 % interest rate reduction by having weekly automatic payments as opposed to monthly full automatic payment and they stated that I could not as the .25 % interest rate reduction is only if you do it on a monthly level for the full amount ( Over {$600.00} in my case ) There was nothing stopping me from paying weekly, but I would still have the {$600.00} payment each month in order to qualify for the interest rate reduction. 

Paying weekly would allow me to pay the same per month AND have less interest accrue overtime on the principal balance. 

Whether or not you choose to have the payments be weekly or once a month on an automatic level SHOULD NOT bar me from gaining the benefit of the .25 % interest rate reduction on a loan with an interest rate of 13 %. 

I need this remedied. 

As Discover Student Loans has a no prepayment penalty. ALL benefits on monthly payers should apply to weekly payers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Dear CFPB XXXX, I would like to file a new complaint ( previous was XXXX - CFPB - XXXX ) regarding suspicious business practices I encountered regarding TD Bank about a year ago when an unauthorized account was fraudulently created under my name ( and SSN ) online. While my bank account has since been closed, there is clearly suspicious activity and identify theft happening, and it concerns me that TD Bank has simply closed my account without any further investigation. 
Here is a brief outline of events : XX/XX/XXXX I learned an account with TD Bank was opened online in my name/SSN using benefits paid out by the State of Arizona XX/XX/XXXX I was informed that my unauthorized account was closed and to contact the Corporate XXXX if I had further concerns ( XXXX - CFPB - XXXX ) XX/XX/XXXX I communicated with the Corporate XXXX and learned that the account was opened using XXXX transfers in a name that was NOT even mine The most concerning part is that an account was created under my SSN using XXXX transactions that were not in my name. At this point, Im also suspicious as to whether the AZ XXXX benefits are somehow tied to my name and wonder if there is potential for deeper fraud than what TD Bank is stating. 

I can provide the correspondence ( emails ) with TD Bank the way was handled from allowing the account to be created in the first place to simply closing the account when there is clearly identify theft seems very negligent on TD Banks part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: MS

Complaint narrative:
AD Astra Recovery is claiming I owe {$670.00} and XXXX XXXX claiming {$670.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
Acima allowed someone to fraudulently open an account under my name without taking the steps to properly verify the identify of the person who opened the account. After reporting the fraud through the credit bureau they denied to allow them to take this off my my report. I then disputed this through Acima and the told me to file a police report. I did that and gave them the report number and they said now they need an actual copy of it which the police department said would take over 3 weeks. This is all why I am trying to apply for a mortgage and this is making it almost impossible. This account the fraudulently allowed to be open is ruining my life and they dont care to straighten it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase decreased my credit limit without warning from XXXX XXXX to now just XXXX which is a XXXX decrease for no reason. When I reached out to Chase, Chase Bank gave no real explanation for the decrease. This has adversely affected me as I have had good credit with an exceptional payment history on all my credit accounts never ever late for over 15 years. Which I pride myself on always paying all my bills on time. I also Just paid off an auto loan in XX/XX/XXXX that is almost XXXX XXXX without any missed payments. When Chase Bank decreased my account it again adversely affected my credit score and caused my credit usage to Increase substantially in percentage from 35 percent to over 70 percent Chase has decreased my credit limit for no reason on my Chase Slate Card. I opened my Chase Slate card in XXXX. In almost 10 years my payment history is outstanding never missed a payment and I always pay more than the monthly payment amount. 
On XX/XX/XXXX, unbeknownst credit usage. A good credit usage is around 30 percent credit usage. A high credit usage of 50, 60, and 70 percent usage is not good. I have requested to have my balance reinstated which I could within one year and I have been denied. I have also been denied by Chase to increase my credit limit to any amount less than the original XXXX XXXX credit limit. I have also been denied for any balance transfer as well. Chase now claims my debt is too high to increase my limit which is false. Im not nowhere close to maxing my credit cards. I also currently have close to over XXXX XXXX available credit I dont feel this is right. This has caused me mental distress, and pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Regarding my XXXX XXXX XXXX XXXX XXXX XXXX with Barclays Bank Deleware. 
I made a cash payment of {$1600.00} at XXXX XXXX XXXX  XXXX XX/XX/2021. Barclays Bank of Delaware shows receipt of the {$1600.00}. Barclays Bank website shows credit of the {$1600.00} However available credit is listed at {$110.00}. 
XXXX XX/XX/2021 I attempted to use my XXXX XXXX XXXX to make a utility payment of {$190.00} which was denied by Barclays Bank Delaware. 
I called Barclays Bank customer service XXXX XX/XX/2021 at XXXX XXXX. Supervisor XXXX told me the " system '' would not allow me access to the {$1600.00} cash payment until the hold on a {$350.00} payment from my XXXX XXXX XXXX XXXX cleared. XXXX XXXX XXXX show the {$350.00} payment cleared my XXXX XXXX account and went to Barclays Bank XXXX XX/XX/2021. XXXX at Barclays Customer service stated that Barclays Bank requires a 3 way call with customer and customer 's bank to verify funds have cleared the bank. XXXX  call XXXX XXXX and the XXXX XXXX  representative said they could not disclose third party information. The XXXX XXXX  representative said they could provide the information via fax. Barclays Bank representative said they could not fax. When I asked if XXXX was telling me Barclays Bank did not have a fax machine, she said the fax would take 24 to 48 hours to prepare. 
Barclays Bank Delaware is unreasonably withholding access to my {$1600.00} cash payment. 
Barclays Bank Delaware frequently places a hold of 7-10 days on payments on the XXXX XXXX XXXX XXXX 
Barclays Bank Delaware does not verify receipt of funds internally at Barclays Bank Delaware without requiring that customer call Barclays Bank of Delaware customer service and participate in a three way call to customer 's bank. Extremely bad faith and onerous policy. 
Barclays Bank of Delaware sytematically places holds on customers funds for 7-10 days and uses the funds to Barclays Bank Delaware benefit and detriment to the customer. 
Barclay 's Bank Delaware practices of placing lengthy and unneccesary holds on customer 's funds ; requiring customer to initiate a call to Barclay 's Bank Delaware customer service and participate in a three way call to customer 's bank to release the hold are extremely bad faith, harmful to customers, and highly unethical if not illegal. 
Accounting of Current Balance and Available Credit on Barclays Bank Delaware website are inaccurate 100 % of the time. Accounting of Current Balance and Available Credit at Barclays Bank Delaware website 100 % of the time do not match accounting of the XXXX at XXXX XXXX XXXX website. 
Barclays Bank Delaware reduces available credit by amounts of attempted charges on the XXXX even when the charges are denied by Barclays Bank Delaware.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hey so i been banking with chase since i was XXXX and now am XXXX, chase is my first ever bank and i always have spoken highly of chase as a bank and their customer service ALWAYS, But on XX/XX/XXXX i received a letter from chase saying that they were going to close my account on XX/XX/XXXX worried and confused i call chase support right away and i have to tell their customer service to me was rude and bad i dont know if it has to do with chase closing my account and basically werent helpful at all because i tried asking why my account was closed and ask if there is anything that i could do to fight this back because i dont think it is closing my account, not giving any reasons and not even giving a option to send someone an email or anything, because if if whatever the reason is they are closing my account is wrong and they are not letting me explain my self. and i have to add that today that am sending this email ( XXXX, XXXX, 2021 ) i went to a chase branch in person and basically same answers nobody wanted to help me in anyway, and right after i left the chase branch tried calling one last time to chase and this time their customer service to me was even worst, I just hope i can get help on this matter because it has affected me tremendously. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX  ( Original Creditor : CXXXX XXXX XXXX ) XXXX Balance : {$260.00}

Company response to consumer: Closed with explanation