vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-10 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: CA

Complaint narrative:
Contacted TransUnion to file a dispute on a collections agency that is fraud. TransUnion called back, but the call sounded fraud as the person asked for personal information and then hung up.

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 2021-07-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I am the executor of my father 's estate. My father in law died of XXXX  in XXXX ; my father died in XXXX. I am managing both of their estates. 

I am in the process of selling my father 's house. The title company asked for a payoff statement from Wells Fargo. On it is a charge for {$2100.00} for insurance. 

I can only surmise this charge is there because I was late in paying my fathers XXXX XXXX homeowners policy for {$270.00} due to the delay in mail forwarding from Pennsylvania to my home in Kansas. The policy was paid in full on XX/XX/XXXX and was registered on Wells Fargo website by me on XX/XX/XXXX per their instructions in a letter to my deceased father. 

How can Wells Fargo ask for {$2100.00} for a {$270.00} homeowners policy and possibly delay the sale of this property based on their inability to read their own systems?

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 2021-07-10 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: IL

Complaint narrative:
To Whom It May Concern : I'm filing a complaint against Equifax because on XX/XX/XXXX, I disputed 3 fraudulent inquiries that were on my credit report. The 3 inquiries were for the following companies : XXXX. XXXX / XXXX on XX/XX/XXXX 2. XXXX XXXX  / XXXX on XX/XX/XXXX 3. XXXX - XXXX XXXX on XX/XX/XXXX. XXXX / XXXX and XXXX - XXXX  were deleted, but the XXXX XXXX  inquiry remains. 

On XX/XX/XXXX, Equifax sent me a confirmation letter, with confirmation number XXXX, stating that all 3 disputed inquiries were deleted from my credit report. However, it's been nearly 4 months, and Equifax has NOT deleted the fraudulent inquiry from XXXX XXXX. I called them several times asking why the inquiry hasn't been deleted, and I'm always told to give it 30+ days for it to come off, as it shows in their system as being off of my report. The last time I called Equifax about this issue was on XX/XX/XXXX, and spoke with a representative who assured me that, this time, the inquiry would be removed, for sure, and gave me the confirmation number : XXXX. However, it's been 35 days and this inquiry still remains on my credit report. 

I want this fraudulent inquiry to be removed from my credit report, immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On all three credit reports dated from XX/XX/XXXX SPS is reporting that I have a conventional mortgage loan. It was updated XX/XX/XXXX that I owe XXXX and I am scheduled to pay {$1700.00} monthly. I have not applied for a loan and I don't want this on my credit report. I have a mortgage that is being serviced by SPS and I am paying {$220.00} each month and it is current. This information is very misleading and wrong.. Please remove this from my credit. I have a balance of {$2.00}, XXXX or less due. I disputed with XXXX  but nothing happened account number XXXX. XXXX file number XXXX, dated XX/XX/XXXX. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
XX/XX/2021 there was a {$3.00} fee charge for a non Huntington ATM balance check but it was only a cash withdrawal that was performed. The {$6.00} fee, while absurdly high, is the only one that should have been charged for this ATM transaction. With access to the app and website there's no need to check anything at the ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-10 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: I.C. System, Inc.
State: MO

Complaint narrative:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

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 2021-07-10 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion LLC did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). I've tried getting in touch with the collection company as well and didn't get a response back. That very same account was also on my XXXX  which they weren't able to verify and since then has been removed. You guys aren't actually verifying anything it's much easier to just say its verified I would like an reinvestigation and this thing removed off my credit.

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 2021-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: KY

Complaint narrative:
I simply received a PPP loan from the XXXX and out of nowhere .... based on 0 issues from the people I paid with that money ... my account at Chime was closed. No warning ... .no questions ... and now I lack a checking account, my payroll processor thinks Im shaddy cause it came up closed to them, I'm supposed to be moving in a week but I dont have a checking account ... .or a debit account and I did nothing fraudulent. 

The insult here is that Chime initially rejected my deposit, causing a delay of 25 days before the deposit was accepted. Because of their delay I couldnt get the second draw on the PPP and so they cost me {$18000.00}. Let alone I had to scrap by for 25 days before I got the needed funds ... .and now I dont have a bank account! I get its a personal account, but it was my personal business ... .and no one but me has been harmed by anyone ... .Chime, wish they'd have told me they would XXXX me with out any lube.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
This letter is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this.

I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I am on a fixed income XXXX XXXX  monthly to live on and I just cant make payments right now my car is out of order trying to get fixed for all doctors appointment meds cost and I have animals to feed as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: VA

Complaint narrative:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
You will also find the XXXX  Deletion report attached that also contains several of the same inquires and they have already removed all fraudulent inquiries too. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX  XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX on XX/XX/XXXX 4. XXXX XXXX on XXXX XXXX, XXXX 5. XXXX XXXX on XX/XX/XXXX 6. XXXX XXXX  on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a claim in XX/XX/XXXX because I found out I didn't have money on my EDD Bank of America debit card. I downloaded the app Bank of America prepaid. I found out that someone stole from me. The dates were XX/XX/XXXX, Amount XXXX, XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX. They told me it will take 45 business days. I received a letter on XX/XX/XXXX that my account was frozen. I called them again in XXXX, XXXX for an update on my claim. They told me that it was close, so I reopened the claim. On XX/XX/XXXX I received another letter telling me they closed my account again, I reopened it. On XX/XX/XXXX I received another letter telling me they consider my dispute closed, if I want copies of the documents they relied on to reach their decision and, if I have any questions, to call them. I gave them a call and they told me they can't do anything for me because I reopened it twice and that they're sorry. I ask for the copies and documents they relied on. They told me the only thing she can do is put in a request for the copies and that they're going to contact me. I haven't heard from them after that. I believe they didn't look into my claim at all.

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 2021-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After reviewing my credit report and noticed that my credit report had old, outdated information. The specific item in question is a Mortgage entry in my credit file. On the report this entry is listed as closed by Bank of America. Including the following information, the date of last activity which was XX/XX/XXXX, date it was reported XX/XX/XXXX and the date when the account was closed which was XXXX of XXXX. 
Based on this information on my credit file and my understanding of the Fair Credit Reporting Act which states credit bureaus are to automatically delete old outdated negative items from credit reports, I asked XXXX  to remove the old outdated information from my file. On its website XXXX  states the following closed accounts stay on your credit report for up to ten years from the date of last activity. Since the last activity date on the item in my credit file was XX/XX/XXXX which is which is 11 years well beyond the time allowed by law to remain on file. I asked XXXX  to remove the old outdated information from my file however as of XX/XX/XXXX they refused to remove the information. XXXX  stated they contacted Bank of America and they stated the account listed on my file was still open and when I asked XXXX  stated BOA did not provide any additional information. 
At this time I questioned how BOA reported the account closed on XX/XX/XXXX but now BOA is now saying the account still open. I asked the XXXX  employee XXXX XXXX XXXX regarding the discrepancy on Bank of Americas reporting. I argued that the account on my file was already reported closed in XXXX which she herself confirmed after doing research on my file. I asked if they would do any additional investigation into this matter. I questioned the fact of how after reporting the account closed back in XXXX, BOA is now saying the account is still open and her response was sir it doesnt work that way. We dont do any additional investigation we just report the information we get back from them, I asked wether the info was right or wrong and her response was we dont verify anything we just report the information we get. 
This is outrageous. 
1. XXXX  has not been in compliance by failing to automatically delete old, obsolete, and outdated information from my credit file.

2. XXXX  rubberstamps into consumers files incorrect information provided to them 3. BOA listed the information I wanted removed from my file as closed 8 years ago and the last activity took place in XXXX of XXXX. 
4. BOA reported to XXXX  the item in question on my credit file is not closed but rather is currently open.

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 2021-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
The company came to my house and repossessed my car. Then they sent me a letter stating in order for me to get my car back that i had to pay the remaining balance or they were selling my car. In the letter it also states that if in fact they sell my car that they will send the remaining balance.Telling me that you will sell my car if I do not pay is extortion.If they owned the property they wouldn't have to pay me anything. On the back of the contract it states security interest. Security interest means what I gave them secured all my obligations to the debt meaning I own the vehicle. If my social security secured all of my obligations then the debt was an allegation and when you went and repossessed my car you committed theft. They advertised the sale of my car to pay off the alleged debt which is a violation pursuant to 15 usc 1692d ( 4 ). My neighbors were outside and seen the people you contract take my car and that affected my reputation which is a violation to 15 usc 1692d ( 1 ). Then furnished this to my report without my permission, which is a violation to 15 usc 1681b ( 2 ). Additionally, they marked my payments as late which is a violation pursuant to 15 usc 1666b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/2021, I contacted Experian and XXXX  to inform them the bankruptcy on my account is inaccurate. XXXX  has deleted the erroneous bankruptcy off my report but Experian and XXXX  keeps telling me it is verified but fails to provide me the company, organization or persons responsible for verifying the information. I want this bankruptcy removed off my report immediately.

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 2021-07-10 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: MO

Complaint narrative:
After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what i know is erroneous from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: EQUIFAX, INC.
State: DE

Complaint narrative:
On XX/XX/2021, I contacted XXXX  and Equifax to inform them the bankruptcy on my account is inaccurate. XXXX  has deleted the erroneous bankruptcy off my report but XXXX  and Equifax keeps telling me it is verified but fails to provide me the company, organization or persons responsible for verifying the information. I want this bankruptcy removed off my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This letter is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. account appears fraudulent I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase has not processed my recent fraud claim accurately, and has failed to incorporate my own statements to them. This is a violation of the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
This account was opened in XX/XX/XXXX and I had a {$400.00} credit limit. It was paid off completely of on XX/XX/XXXX ; payments totaled {$570.00}. I closed the account due to the high interest rate they charge on top of overpriced items. XXXX reflects a {$0.00} balance on my credit report, which is accurate, but also states that it was charged off and now a collection agency is reporting a balance as of XX/XX/XXXX in the amount of {$940.00}. If the account was closed with a zero balance in XXXX, how can there be a balance as of XX/XX/XXXX ... .5 years later of {$940.00}? XXXX and Jefferson Capital System both need to remove their fraudulent remarks from my credit. XXXX is owned by XXXX XXXX XXXX according to the XXXX XXXX XXXX website and as of XX/XX/XXXX the business filed Chapter XXXX Bankruptcy, case # XXXX. Out of XXXX Reviews on XXXX, their rating is a XXXX out of XXXX, have received XXXX complaints in the last 3 years ; 512 of which were closed in the last year. Jefferson Capital has received XXXX complaints in the last 3 years and XXXX complaints in the last year. Out of XXXX Customer Reviews, they have a XXXX out of XXXX on XXXXXXXX. This should speak volumes about how they conduct business. I saw a ton of affilitations between XXXX account and Jefferson Captial Systems. 

This company XXXX XXXX XXXX brags about helping people " build a better credit future '' but all they are doing is ruining their credit. They charge ridiculous interest rates and charge you double for the item. For example, they are currently selling a handheld game console called the XXXX XXXX  XXXX XXXX in the color Coral. It is being sold at XXXX for {$310.00}. However, XXXX  has the exact same item, in the exact same color for {$190.00}. XXXX has the exact same item as well and the same color and are selling it for the same price as XXXX  for {$190.00}. This is NOT ok!!! 

They, by their own admission charge XXXX % interest on top of these over priced items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: Automated Collection Services, Inc.
State: GA

Complaint narrative:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with explanation