vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-28 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: FL

Complaint narrative:
After looking over my credit report I see that I have hard inquiry from a XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX that I did not authorize. Please remove all of these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-28 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: DE

Complaint narrative:
XXXX blocked and deleted these accounts and updated my personal information. 

See attached for removals from XXXX. 
FTC report. 
Drivers License Along with previous ignored complaint

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 2023-02-28 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. 






I reached out to XXXX to dispute this debt and Even offered to settle for them to take it off my report being I dont owe or take ownership. 
I never was informed previously as well. I found out I owed debt by it appearing on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: NY

Complaint narrative:
Experian are currently reporting INCOME ( XXXX Account XXXX XXXX ) on my consumer credit report. This account is showing on my consumer credit report as a charge-off. It is illegal to furnish INCOME on a consumer report. XXXX  already issue an 1099C for the above account and is now INCOME which was FILED ON MY IRS TAX RETURN. A charge-off, according to the IRS, is INCOME once 1099c is filed and reported. Experian continue to be in violation of the federal laws in placed. See Treas. Reg. 1.6050P-1 ( a )

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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
This is a follow-up to complaint # XXXX. I still have not received the refund that USAA indicated I would be receiving as a result of their system error. I followed-up on XX/XX/23 but have not received a response.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-02-28 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: FL

Complaint narrative:
After looking over my credit report I see that I have hard inquiry from a XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX that I did not authorize. Please remove all of these hard inquiries.

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 2023-02-28 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I have sent written notification ( a certified document through United States Postal Service, Document Attached ) to Credit Collection Service requesting documentation of any contractual relationship between myself, & Credit Collection Service. This was not a request for verification or validation. This was a request for proof of contract to substantiate Credit Collection Service 's claim to XXXX, XXXX XXXX XXXX, that I owe Credit Collection Service, {$640.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Furthermore, Credit Collection Service is not a licensed business in the State of Louisiana ( Attachment Enclosed ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NM

Complaint narrative:
Mortgage changed from XXXX to Roundpoint. Notified after XX/XX/XXXX payment cleared my bank on XX/XX/XXXX, have copy of statement. Now Roundpoint is claiming that I owe them an additional payment. They requested that I contact XXXX for payment history, zip file emailed to them last week, have copy. They are dysfunctional. Am now beginning to copy my attorney XXXX XXXX, XXXX NV on emails. 

Since XX/XX/XXXX, I have been unable to live in a condo I purchased, because the seller didn't disclose previous water damage and there was mold. After I was displaced there were four additional flooding incidents and I have been paying for both rent/lease and mortgage on a condo I'm unable to live in. There is currently a claim in mediation with the XXXX XXXXXXXX XXXX XXXX and an open trouble ticket with the NV XXXXXXXX regarding deceptive practices in the real estate industry, and individuals licensed with the State of Nevada. They are holding my FICO score and credit rating 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 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My concern was, I was being charge for overdraft fees & fees because there was a delay in transactions being processed when paying my bills. I will continuously call the bank dispute, overdraft fees, which was draining my account, causing my bills to be delayed. The bank will credit some but still charge me overdraft fee. I eventually left that bank and went to XXXX XXXX XXXXXXXX.

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 2023-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i have no knowledge of said collection. I was never given anything with my signature. I was never given a bill. No proof of any ownership. Therefore this needs to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: PA

Complaint narrative:
On Friday the XXXX of XXXX, I checked my credit score on XXXX and saw that I had a collection against my name originating from XXXX that they had passed to the collecton agency ERC. I had been a XXXX XXXX up to XX/XX/2020. I was alarmed by this and called ERC immediately. At this point I had very little knowledge of collections or what they entailed. 

When I spoke to the ERC agent I stated that I had serious qualms with this bill. In particular, XXXX gave me a plan that was linked to strangers ' accounts without my knowledge. Second, XXXX created an erroneous security question ; they would ask me the name of my first pet but neither I nor my family has ever owned a pet. This incorrect security question prevented me from ever accessing my account, making paying the bill very difficult. Note due to covid, I was abroad with my family and therefore was unable to visit a store in order to get a new PIN or security question. Given the service, I canceled my account. I was given email notices in XX/XX/2020 that I had an outstanding bill and then received no more communication from XXXX from that point onwards. After I received these emails, I did try to pay in XX/XX/2020 but because of the security question, I could not access my account in order to pay it. Since I had no further communications from XXXX I presumed the account was closed and any further bills were voided. 

The ERC, who did not say I could dispute the debt, misleadingly said those were issues to take up with XXXX and were not relevant to ERC. But, of course, it is relevant to ERC because if I want fundamentally to dispute the fairness of the debt, I would have to do so with ERC. Thinking that I could go dispute the claim with XXXX, I paid off the debt as soon as possible, but did not think that paying it off would acknowledge it as fairly describing the situation as one in which I had failed to pay a XXXX bill. I now understand the debt prevents me from having it removed from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a 10 year HELOC with Chase that expired yesterday ( XXXX XXXX, 2023 ). I have a letter from Chase stating that my last draw on the HELOC is XXXX XXXX, 2023 and yesterday ( XXXX ) I tried using the website, made phone calls to Chase and tried depositing a check from the HELOC into my Chase account, all to no avail. No one at Chase would help me nor the online check deposit would not go through. Now ( today ) the HELOC is closed and I can not draw from it. My last day was said to be yesterday to draw from the HELOC. This is misleading and I needed the last draw of {$5000.00} from the HELOC to go through for payment of bills, etc. Help me here, please. I waited to my last day as stated on the letter from Chase and they would not let me draw from it. I did this to obviate the high interest of almost 9 %. I tried reaching out to them this morning and they said sorry can not help me with no explanation as to why they mislead me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
my ex co worker signed over his check to me. i deposited the check. it cleared and then they put a hold on my account. when i called capital one, they told me i needed to come in with my co. worker and present i.d .. well the closest capital one branch is 400 miles away. I informed them of the distance. Then i was told to go to one of their sister banks XXXX. i went to XXXX  and they told me they arent affiliated with capital one. so i called several times then finally a manager told me they cancelled my account. and it was pending an investigation. i keep calling and they never give me a release date and i can never speak to the person in charge if the investigation. It has been almost 2 years now and im still getting bank statements showing my balance of XXXX yet the account is supposed to be closed. i never recieved any phone calls regarding my money. i no longer at the employer and i have no clue where co. worker is. its been more than enough time to do their investigation. 2 years. i needed the money and i ended up losing my vehicle because i got behind on payments due to their negligence. Im also aware that capital one has a huge law suit against them already for the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I applied for a HELOC with United Wholesale Mortgage in the amount of {$110000.00}. On XX/XX/XXXX I closed on that HELOC and provided instructions that I wanted an initial advance in the amount of {$60000.00}. 

{$60000.00} was deposited into my checking account on XX/XX/XXXX. 
I received my first statement, dated XX/XX/XXXX, from UWM which states the outstanding principal balance of my HELOC is {$110000.00}. Puzzled, I reached out to UWM and asked them why my statement suggests that I had accessed/used the entire balance of my HELOC. The customer service agent I spoke with was unable to locate my closing documents and suggested that the remaining balance of the HELOC was likely used to pay off other creditors. This did not happen. I did not ask for my other debts to be paid off they have not been paid off. And I did not/have not taken any additional draws on the HELOC. I was informed I can submit a qualified written request challenging the accuracy of the outstanding principal balance. 

In the closing documents I was provided a copy of, the settlement statement shows the following : Loan amount = {$110000.00} Total of Origination Costs = ( {$5300.00} ) Due to Borrower = ( {$60000.00} ) HELOC Balance = {$47000.00} Id like UWM to provide me with a register of activity associated with my HELOC so I can understand where the remaining {$47000.00} was allocated. If there is other disbursements from my account these were either incorrectly applied to my account or they are fraudulent transactions. 

My current loan payment, due XX/XX/XXXX, is {$860.00}. This was calculated using interest applied to the incorrect and overstated outstanding balance of the loan. Id like this and subsequent payments to be corrected to accurately reflect my outstanding principal balance of {$60000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
most recently any extra principal payments are held for weeks without applying to accont and also when payments are made they are not posted to account for XXXX days or more and needlessly charging for inspection fees not needed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation