vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Dear Sir/Madam, My name is XXXX XXXX , I am an American citizen living in XXXX. XXXX has been my home since I was XXXX years old and today I am XXXX years old. Last year I started a company called XXXX XXXX XXXX and plan on moving to New York sometime next year in order to grow the business. 
I ordered my free annual credit reports from all XXXX credit bureaus to make sure everything was ok and to my surprise there are almost XXXX closed accounts on my report. 
Someone has been opening accounts under my name, using them, dumping them on opening new accounts for the past XXXX years. 
As I mentioned earlier, I am in XXXX so it is extremely difficult to get in touch with law enforcement in order to open a case and find the perpetrator of these illegal acts. 
As a proud American who wishes to come home within the next year, how do I get my reports corrected? I am at the stage where I need to start building business credit and in order to do so, I have to also build my personal credit however with all these negative accounts under my name, it seem highly unlikely. 
I could contact XXXX of my lawyers to go at this but instead, I'd rather we find a solution together as I believe these wrongs can be corrected. 
Can you please assist me in this matter? 

Regards, 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 2022-12-16 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: OH

Complaint narrative:
XXXX XXXX is Reporting on My Credit Report with all 3 Bureaus # 1. False Information. Such as partial Account Number I can not look this Account up to See who it Belongs to with just a Few Numbers. # 2 Balance that they state is Owed to Them. # 3. How did they Get My Person Information I did not authorize this I Do not know who XXXX XXXX  Is. I have never had A Account with this Company XXXX XXXX XXXX. Account Number. - XXXX. - {$650.00} balance -and listing XXXX $ XXXX XXXXXXXX XXXX stating Factoring Company Account. I Contacted XXXX XXXX XXXX  that they have listed on my Credit Report as a Collection and they stated they are not Collecting for them that they do not have the Debt nor any Debt with my Name. 
XXXX XXXX XXXX Has added A Statement stating FCRA Dispute on my account after they stated it was Verified by the Credit Bureau to be Legal and Verified but would not tell me How or whom it was That they Verified with or how they Verified. I asked for all paperwork Containing to this Debt and it wasnt provided by Equifax or XXXX or XXXX. Why would they post a Balance and a High Balance on My Credit Report before Verifying that with me. Then a Few numbers as a Account Number that I cant look up. That is not Right at All. 
# 1 There is No Account Number for me to Investigate for my XXXX. # XXXX. Balance and High Balance listed as {$1000.00}. XXXX XXXX XXXX. Whom states they do not have any information on this Debt. My Credit is Very Important to me and they Have Violated my Rights under FCRA. If I can seek Judgment for Damages I Would like to do So. This has Been Mentally and Physically Exhausting to Research and Again Damaging to my Livelihood and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: FL

Complaint narrative:
dept of ed nelnet XX/XX/XXXX XXXX for the amount of {$4200.00} they put this into collection when it was already paid for. it reflecting on my credit and its making it hard for me to get any loans or help. how could i remove this collection off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: NJ

Complaint narrative:
Their are several incorrect items on my credit file between XXXX XXXX XX/XX/2022 several letters were submitted to XXXX and XXXX and directly to the creditors to avail it has been over 30 days and I would like to know why the items are not being remvoved?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: NJ

Complaint narrative:
Their are several incorrect items on my credit file between XXXX XXXX XX/XX/2022 several letters were submitted to Experian and XXXX and directly to the creditors to avail it has been over 30 days and I would like to know why the items are not being remvoved?

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 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2022, I went to the bank to deposit {$300.00} in the ATM. Bank : XXXX at XXXX and XXXX in XXXX : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Only {$100.00} was accepted in ATM. So I proceeded to the teller to deposit the remaining {$200.00}. These were 2 older {$100.00} bills that my parents gave me as a gift. 
At the teller, two Chase employees stood behind the counter to help me. As I gave them the money, they told me to press the green button saying I am depositing the money. Trusting the bank, I pressed the green button without reading the prompt and I left the bank without checking the receipt. Fast forward a few weeks and I notice in my bank account, that the money I deposited was counted as a withdrawal. So not only did the {$200.00} I gave them not get deposited, but they also took away {$200.00} as if I withdrew that money. Hence a delta of {$400.00}. I rushed to the bank and asked them to investigate and they took their time : weeks of saying we are looking into this but there is no case or claim number or phone number to ask. I would call, email and visit the branch on a weekly basis and not hear any updates. The corporates chase claim 's investigation phone number they gave me 15 days after picked up once to ask me when I logged the claim and I never heard back from them even after numerous tries to call them over many weeks. Then the branch calls and say they reviewed the claim and I am wrong. I suspect they didn't review it and just want me to give up. Also when I tried calling corporate 's chase or the claim number either no one picked up or they told me to call the branch. I tried reaching out to chase by XXXX messenger and they tell me someone will reach out immediately but no one ever does. 
I go to the bank and ask for the recording, they say they need a police report. I get them one the next day and then 2 weeks later they say they need a subpoena from the police. I call the police and speak with numerous detectives and they say chase is just trying to put this under the rug and delay the process until I give up and that sadly the police isn't allowed to subpoena this and I should contact the CFPB. 
So please help me get my money back. I know I am right and the bank is covering this up or reviewed the wrong recording. I didn't leave the bank with {$200.00}. I walked with {$300.00} and left with {$0.00} but only {$100.00} was counted as deposit and {$200.00} was mistakenly counted as withdrawal Here is the chase claim number : XXXX XXXX Here is the police report number : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation
State: TX

Complaint narrative:
It took me a whole year to figure this one out. 

On XXXX we put in a XXXX XXXX  loan application with XXXX in XXXX XXXX. We were denied on XXXX and then approved on XXXX because the home was not already set up on the property. So they had us fill out another application and approved us through country place mortgage. On XXXX the revised loan proposal for a " XXXX XXXX '' and earnest money contract. The loan officer made us sign another earnest money contract and pay the down payment on XXXX. We gave the loan officer our insurance agent 's information and he based the quotes on our appraisal and prevented us from getting other insurance. On XXXX the loan officer mentioned the new construction items we had but still considered our new build home a construction home. 

Upon reviewing the Apprisal Documents the comparable houses that were used were all own, sold, and created by XXXX or XXXX and wrongly listed that they were sold in the time frame that they were. Some of those homes are still owed by XXXX. 

I am located in XXXX 's old XXXX the XXXX XXXX. You can still XXXX it and find their website. they worked with the same developer for 10 years on this project.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I sent out certified copy of my complaint to resend the contract to the CEO of the lending company on XX/XX/2022. I declared there was a problem, with the contract that was given to me the car lot that was associated with the loan that was given to me has officially closed down. There was a lot of fraudulent acts within that contract, and I reset out certified copies of a complaint again on Thursday XX/XX/2022 to the CFO and see COO of the loan company. I am expecting some type of mediation and the return of all the money that I had put into the loan return to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I called FedLoan Servicing to inquire about my refund for {$6600.00}. On XX/XX/2022 I received a {$3000.00} deposit to my account for less than half of this amount and have yet to receive the remaining {$3600.00}. When I called on XX/XX/2022, the agent was more concerned about arguing when I had and had not called into customer service than addressing my issue. I need to know when the remaining balance will be issued as the agent seemed to think the full balance was deposited on XX/XX/2022 when this is not the case. I am missing {$3600.00} and nobody has been able to answer when I can expect these funds. My balance shows up in full although I am missing these funds. 
According to the original timeline I was given, these funds should have been deposited by now since the original refund request was on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
BSI Financial has three times in one year lost my mortgage payment. This forced me to make an emergency online payment to avoid late fees. Subsequently, my first check was cashed by BSI, just a few days after the deadline. Although that then covered the NEXT month, its not easy to suddenly come up with XXXX  of dollars in my monthly cash flow because of someone else 's incompetence. This happened in XXXX, XXXX and XXXX of 2022. ( It is reflected in the online records of my account at BSI ) Either they are incompetent or trying to squeeze people for fees. I get paid on the last day of the month ; I mail my mortgage on the next day - like clockwork. If a company offers pay by mail, they need to competently process mail. I have not had this issue in 30 years with any other mortgage company or utility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: EQUIFAX, INC.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I paid off the credit card according to the statement on the Chase Website on XX/XX/XXXX, 2 weeks before the due date In XXXX. The balance on the website showed {$0.00} balance due after the payment cleared. They then sent me a bill for the XXXX statement for {$49.00} for additional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Company made an error on their end with sending me my credit card ( which was a WHOLE other situation of a dozen phone calls because the agents kept lying about details ), so they agreed to waive an overnight delivery fee. 

The card wasn't sent overnight, so I called back in to find out what happened, and they " had an error '' again on their end. I stated this was too many errors from a financial institution. They assured me my card would be overnighted and they were waiving the fee. Card received on XX/XX/XXXX, but I noticed after activation I was billed the {$15.00} overnight fee. I called in and spoke with XXXX, Operator ID XXXX, who assured me he spoke with his supervisor, XXXX, and the charge would be off of my account in XXXX hours. XX/XX/XXXX, I check my account, the charge is still there. XX/XX/XXXX, I call Barclay again to dispute this charge, I spoke with XXXX, Operator ID XXXX who was very unhelpful and refused to transfer me to someone who could help me, even though he was able to see that the notes on the account showed this fee was supposed to be waived. Horrible customer service, everyone tells you something different, it's almost as though there are no guidelines in place and people aren't being trained properly.

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 2022-12-16 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
There are multiple hard credit inquiries that recently showed up on my report ( last week ) that I never authorized. 

These unauthorized hard credit inquires include the following XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Wells Fargo Dealer Services XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries were never authorized by me and are adversely impacting my credit score.

Note that I am attaching a screenshot of all my listed inquiries but I am only disputing these 5.

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 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Commenity MasterCard is reporting a balance of {$8400.00}. The full amount was paid, and posted, to my account on XX/XX/2022 leaving me with a credit of {$80.00}. 

A statement showing a XXXX balance was generated ( attached ) and a check for {$80.00} was issued and received, yet my credit report still shows this card with an {$8400.00} balance on a card with an {$8500.00} limit. 

This negatively impacts my credit score and despite disputing this and calling the bureaus and Commenity - nothing has been updated in nearly 3 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have been using paypal service for all my online business since XXXX, I have not had a serious problem until XXXX. XXXX. XXXX when my transaction hit XXXX which is the maximum the account can transact per month. I was then requested to provide proof of fulfillment, proof purchase from supplier, information about how my business works and then asked a to give more information about 7 transactions that were flagged out. I was able to provide all that, on the morning of XXXX. XXXX I was asked to provide more information concerning 3 of recent transactions to my account. I provided the information, about 7hrs later I received an email saying that my account has been limited permanently. This put me in a lot of distress since paypal is my primary payment method for my customers. Also the money held has inconvenienced my business as well as my family since we depend on that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was in XXXX and still is there is no way I applied for this loan someone used my Identity I'm very upset. I pulled my credit report and seen XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its on my report with XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.

Complaint narrative:
Dear Sir/Madam, My name is XXXX XXXX , I am an American citizen living in XXXX. XXXX has been my home since I was XXXX years old and today I am XXXX years old. Last year I started a company called XXXX XXXX XXXX and plan on moving to New York sometime next year in order to grow the business. 
I ordered my free annual credit reports from all XXXX credit bureaus to make sure everything was ok and to my surprise there are almost XXXX closed accounts on my report. 
Someone has been opening accounts under my name, using them, dumping them on opening new accounts for the past XXXX  years. 
As I mentioned earlier, I am in XXXX so it is extremely difficult to get in touch with law enforcement in order to open a case and find the perpetrator of these illegal acts. 
As a proud American who wishes to come home within the next year, how do I get my reports corrected? I am at the stage where I need to start building business credit and in order to do so, I have to also build my personal credit however with all these negative accounts under my name, it seem highly unlikely. 
I could contact XXXX of my lawyers to go at this but instead, I'd rather we find a solution together as I believe these wrongs can be corrected. 
Can you please assist me in this matter? 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: Fuel Capital Group
State: NV

Complaint narrative:
I have traded in my car already, this loan is paid off and transferred to someone else and its still reporting on my credit as past due. I tried to dispute it with XXXX XXXX and they did not remove the account.

Company response to consumer: Closed with explanation