vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Claim # XXXX I bank with chase bank that has XXXX on it, every 6 months I do a check on how Im doing for the year. I check and found XXXX worth of XXXX payments. I disputed it and I was sent to they protection group. The woman I was speaking with told me someone in XXXX tried to do a transaction was it you, I said no maybe it was me cause Im in XXXX which is near XXXX. She said no sir it cant be you or that. I went through all the security steps, changing my user name, XXXX email password everything when we got done, I got a credited XXXX, they reversed it cause they said they seen it was a clean transaction. But thats not my fault it was a clean transaction. Fraud usually is clean transactions that is unnoticed until it is noticed, if fraud wasnt noticeable right in the moment wouldnt nobody be getting fraudulent things done to them. I asked for the record of the time I called in they say they dont record every call, I asked for a manager they busy, I shouldnt have to be charged for a charge I didnt do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
transunion and XXXX will not investigate disputes. I sent disputes about credit balance for XXXX  and XXXX cards being incorrect and they advised that I already disputed it but they have not resolved the issue. Transunion specifically is allowing anyone to access my credit report without my authorization including XXXX XXXX XXXXXXXX of a car loan I did not initiate.

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 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc.
State: NV

Complaint narrative:
My identity was stolen and used to open a fraudulent account XXXX {$10000.00} without my knowledge. This fraudulent account appears on my credit report and is having an adverse affect on my credit rating. I did not open this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
It appears that a new contract unilaterally was created in private by Experian and XXXX XXXX because no one else has this alleged debt reported. XXXX and XXXX does not show this debt rathe shows no history since XX/XX/ for the debt was discharged and took note to the 1099c debt discharge document filed with the US Treasury IRS. 

The private property automobile was paid in full on or about XX/XX/. 3-603. TENDER OF PAYMENT. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 
So please provide to me how you are the only one [ 1 ] out of three credit reporting agencies reporting this as a debt allegedly and where are you getting this information or lawful facts as evidence as you state?

Also the identity of the claimant herein known as the owner and controller of said property has been leaked. As well reported to the State of Michigan, S.E.C., F.T.C. and other State Departments. 

Please note, Experian is the only reporting factor of this matter fraudulently for XXXX and XXXX show no report of this transaction at all. 

After payment was received be it rejected or not based upon law there is discharge and there is no fees or interest thereafter. 

According to the law 18 USCode 878 the reporting agency is attempting to extort the claimant by sending letters asking her to stop sending the claims to the CFPB but send it directly to them, as when she did this past XX/XX/ they claimed they did not know who she was and did not provide identification information! 

Experian also false claims on or about the debt being discharged or sold to a third party whereas the claimant has not given permission for XXXX nor Experian to use misuse or sell trade or give off her private 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 explanation
Consumer complaint received 2021-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im reaching out bemuse I was that I need to contact you all because there is some items on my credit I dont know nothing about. I have tried to call and write every one of them and Im not getting anywhere with them. Its like a circus show. I doing this by myself and really could use some help with this. These items need to come off my credit and given to whoever they belongs to. I was trying to refinance my house and this is really holding me up. The items are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX. XXXX XXXX XXXX. There are also some bankruptcys showing on my credit and this is what really caught my attention because I have never filed babkruptcy. I have also attached correspondance from XXXX XXXX and states the Bankruptcy records have been deleted from their public records files.

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 2021-10-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Im reaching out bemuse I was that I need to contact you all because there is some items on my credit I dont know nothing about. I have tried to call and write every one of them and Im not getting anywhere with them. Its like a circus show. I doing this by myself and really could use some help with this. These items need to come off my credit and given to whoever they belongs to. I was trying to refinance my house and this is really holding me up. The items are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. There are also some bankruptcys showing on my credit and this is what really caught my attention because I have never filed babkruptcy. I have also attached correspondance from XXXX XXXX and states the Bankruptcy records have been deleted from their public records files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Authorization needed STATUS Company responded there is an unauthorized third party on XX/XX/2021. THIS IS THE RESPONSE THAT EXPERIAN SENT WHEN I SENT IN A COMPLAINT THAT I AM A VICTIM OF IDENTITY THEFT. 
I HAVE SUMBITTED THIS COMPLAINT MYSELF, AND HAVE ALREADY GIVEN AUTHORIZATION THRU THE CFPB. I XXXX XXXX XXXX PERMISSION TO CONTINUE WITH MY COMPLAINT OF IDENTITY THEFT

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 2021-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NH

Complaint narrative:
Received a major derogatory notice on my credit report from online information services. Spoke to XXXX telephone # XXXX and reference # XXXX. Informed that there is an unpaid debt from XXXX XXXX for address XXXX XXXX XXXX in XXXX Texas attributed to me. I have never lived at that address nor in XXXX Texas. I have lived in New Hampshire for XXXX years. I had a similar report to my credit report earlier this year from Contact Callers in regard to a XXXX XXXX account. I disputed this and was told that the derogatory report was withdrawn. 

I was instructed by XXXX to file a fraud complaint with this department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I was seen at XXXX XXXX ( now owned by XXXX XXXX ) clinic on XX/XX/2019. All I received from the visit was a prescription for an antibiotic, and nothing else was rendered from the service. There were no diagnostic tests, no lab work, no useful medical advice given at my visit. Few weeks later I received a surprise bill of XXXX dollars from XXXX XXXX. I paid the unfair, unjust price of XXXX dollars. Then few weeks later I received another bill from the nurse practitioner for XXXX dollars. Her company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, wrongfully, double billed which is affecting my credit history. I disputed the bill with the provider, and then surprisingly they passed the bill to a debt collector. I disputed the bill with the initial debt collecter and they said they will take care of the bill. Then I received a notification from another debt collector ( present debt collector ) for the same bill. I disputed the bill with the present debt collector but they resorted to placing the bill on my credit report. For the extent of the medical service I received, I have become a victim of fraudulent billing, wrongful charges, double billed and an extreme version of price gouging on a service in which I was not notified of the charges at the time of transaction. The debt collector is ARS Account Resolution service.

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 2021-10-13 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX and XXXX will not investigate disputes. I sent disputes about credit balance for chase and XXXX cards being incorrect and they advised that I already disputed it but they have not resolved the issue. XXXX specifically is allowing anyone to access my credit report without my authorization including XXXX  XXXX XXXX of a car loan I did not initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX and experian will not investigate disputes. I sent disputes about credit balance for XXXX  and XXXX XXXX  being incorrect and they advised that I already disputed it but they have not resolved the issue. XXXX specifically is allowing anyone to access my credit report without my authorization including XXXX  XXXX XXXX of a car loan I did not initiate.

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 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
XXXX Timely escrow payments and treatment of escrow account balances. 
Section b ) Refund of escrow funds on loan payoff within 20 days. 

Dovenmuehle - XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX, IL XXXX XXXX Conventional mortgage loan paid in full XX/XX/2021Escrow balance : {$3100.00} Bank refuses to refund escrow funds, no reason given. They claim they issued a refund check XX/XX/2021, never received. 
ContactedXX/XX/2021 they said they would not issue a replacement check until 30 days had passed. 
Contacted XXXX, claimed they would process a replacement refund check. 
Contacted XX/XX/2021Refused to refund, no reason given. " It takes 60 to 90 days to process a replacement refund check ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2021-10-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2021 TransUnion dropped 43 points. I am 7 days before closing on my house. I have never been late. Reported inaccurately.

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 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SECURITY FINANCE CORP
State: MO

Complaint narrative:
Security Finance Corporation sold a debt ( I DID NOT OWE ) to XXXX XXXX XXXX. I was never contacted by mail or phone by Security Finance Corporation or XXXX XXXX XXXX regarding this debt. 

When I contacted Security Finance about this debt, I advised them, I never had this loan with their company and I did not take out a loan with their company. I advised them this had to be the result of fraudulent activity. 

After additional research I was able to identify that Security Finance was under investigation by CFPB for unfair practices who subsequently had a consent order put in place and my concern was one of the identified unfair practices. I disclosed this to Security Finance who advised me they are not reporting information regarding this debt on my credit report. 

I would like to reiterate, I was never contacted by mail or phone by Security Finance Corporation or XXXX XXXX XXXX regarding this debt. 

Security Finance inadvertently sold a debt to World Finance that I DID NOT OWE... 

Any loan in my name during those dates are fraudulent. 

I have attempted to resolve this with XXXX XXXX and I have not been successful with them. Instead they continue to furnish false information on my credit report about an account that is not mine. My rights have been violated by this company as they did not contact me before placing this debt on my credit report. They are also intentionally hurting my credit as well by providing additional false information. ALL information supplied to the credit bureau is false

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