vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2022-04-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had credit issued to this card from XXXX XXXX on XXXX for XXXX payment identifier XXXX ending XXXX Invoice # XXXX and on XXXX credit for order # XXXX {$64.00} + {$85.00} XXXX XXXX  # XXXX. My card ends in XXXX. Today is XXXX and the credits are still not showing up on my account. This has been 2 statements.

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Card Service has not obliged by 15 usc 6802. After contacting this company numerous of times to remove these items nothing has been done. I was never properly notified that this item would be reporting on my behalf nor have I ever given permission for information to be passed to a non affiliated third party. Also after looking at 15 U.S. Code 1681b, a consumer report shall not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. This alone is in direct violation of consumer 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 2022-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: IN

Complaint narrative:
I sent debt validation letters off and never received a response nor has invoice been paid for violations.

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 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: GA

Complaint narrative:
I received a fraudulent call about an account I never had. They said if they didn't reach me at home they'd need management or security present and to sign as a witness so I could be served documents pertaining to this debt of more than XXXX $ to U.S. bank which doesn't even exist where I am located. Said they'd been trying to reach me for days and if they didn't reach me tomorrow XX/XX/2022 between XXXX XXXX they'd send the papers back as denied to be signed. They only had the last 4 of my social and the last 4 digits of a non-existent account.

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive requested to have the removed from my credit. It has yet to be done after several attempts. Please have them removed. 


XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XXXX XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX INCLUDED IN BANKRUPTCY XXXXXXXX XXXX DELAWARE XXXX XXXX XX/XX/XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX XXXX XXXXXXXX COLLECTION XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX COLLECTION XX/XX/XXXX XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XXXX xxxxXXXX XXXX XX/XX/XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am having difficulty with my mortgage company called SPS Financing. In the past, when I applied for a deferment, sending all documents numerous of times to SPS, the company would calim that they never received documents that I sent. Until I got XXXX and CFPB got involved then SPS finally complied. I finally received the deferment and paid a fee to have my payment date moved to the XXXX of every month instead of XXXX XXXX due to I am XXXX XXXXXXXX. This company has been a nightmare from the beginningand has always had exercise predatory practice. SPS has done XXXX Annual Analysis within 15 days apart and has increased {$160.00}. Just today I received that the loan is being transferred to XXXX XXXX. 
I would like this mortgage company to be investigated due to increase of payments due to an increase payments.Attached is the documents. 

Please Address Accordingly, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Weeks ago I received the attached 1099-A from Chase ( see attached ) showing in the top right corner of this form, that they have " furnished '' to the IRS, this attached form, when in fact I just got off of the phone with IRS representative ID # XXXX XXXX XXXX for near an hour talking with her. She informed me as of Today XXXX at approximately XXXX pm, when I talked to her that Chase did NOT file any 1099-A with the IRS. This is the second time since XX/XX/XXXX when Chase did the same thing with the last illegal fraudulent foreclosure on my home, sending me the first fake 1099-A form, which they later resinded and corrected the 1099-A ( see attached ). I am asking the CFPB to investigate and inform the FBI, FTC, and IRS of these false forms being sent to me in a desperate attempt to steal my home AGAIN with FRAUD!!, while emotionally terrorizing me for years. I am XXXX yrs old, XXXX, indigent, with only a high school education whom recently had XXXX XXXX in XXXX of XXXX and another medical stress related event This week being admitted to the hospital due to the severe stresses done to me here since XXXX by Chase for illegal foreclosures on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: PA

Complaint narrative:
Equifax did an investigation and deleted three old collection accounts however my credit score went from XXXX on XX/XX/2022 down to XXXX on XX/XX/2022. How could my credit score drop XXXX points when I am in good standing with all of my accounts it appears that this is a form of retaliation against me from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Guidance Alum LLC
State: KY

Complaint narrative:
I was contatcted by a company called Guidance Alum. They were calling me up to 3 times per day, even after I asked to be removed from their list, and I am on the national do not call list. I finally gave in and listened to what they had to say. They informed me that I qualified for student loan forgiveness through the CARES Act. I work at the post office so I knew I qualified for PSLF, which made everything sound legitimate. They took {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$49.00} on XX/XX/XXXX, {$49.00} on XX/XX/XXXX, and {$49.00} on XX/XX/XXXX. I was told the initial {$200.00} installments were to set up the program and get me enrolled. Then told that the $ XXXX would go to my student loans and be qualifying payments for the student loan forgiveness program, in which they were supposed to enroll me. I found out today, they were taking this money as a " fee '' for their service, and I have never been enrolled in the forgiveness program. None of the money I paid went toward my student loans, and they did agree to refund me the 3 - {$49.00} payments. They did not offer to refund the other {$200.00} payments. They signed me up for this program by providing false information I verified with them 3-5 times during the phone call, and they still insist they were not in the wrong. I contacted my actual student loan servicer and they advised me I had been scammed, and the services they claimed to provide were never put into action with my servicer, other than consolidating my student loans. I'm out this money, and if I could fall for this scam, having worked in finance part of my life and being of sound mind, I know others have probably fallen for it as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I've had problems using a debit card issued by Citizen 's ( after it's taken over XXXX ). I have money in my account, but my transactions are being declined. 

Customer service is off-shored and the wait times are hideous. ( This is a matter of public record per Citizen 's online customer ratings. ) Whatever has happened -- or isn't happening -- has caused innumerable issues in innumerable lives. And, of course, this is in the context of people frayed and fraught after two years of COVID and its collateral damages. 

How can a bank be so impersonal, cold and calculating, power-hungry and greedy right out of the gate? 

It seems downright evil. ( I don't use that word lightly. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: FL

Complaint narrative:
Fraudulent inquiries on my report, wrong names, addresses, and accounts

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 2022-04-11 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays ( JetBlue Card ) was unable to process my payments for 2 months ( XX/XX/XXXX and XX/XX/XXXX ) granted I've been using my bank account to make all my payments since I have had this card in XXXX. I have tried to make payments of {$1000.00} on both occasions. I called multiple times to make the payments over the phone, and they still could not process the payments with my debit card. 
I have even made a conference call with my bank, XXXX  XXXX XXXX, and a XXXX at Barclays. XXXX  XXXX XXXX reassured the XXXX that I have more than enough to make the payment and that the problem is not coming from either my bank account or the bank itself. 
Unfortunately, the XXXX is not able to stop the reporting on credit report despite the problem is coming from their end and my numerous attempts to make a payments. 
Barclays asked me to report the case to CFPB since that will trigger them to respond and clear all negative remarks on my credit report. They have all the notes of my attempts to make payments well over the minimum amount and also that their system is strangely blocking my bank account to be added as payment method.

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 2022-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX and Transunion are reporting inconsistent information. They are all reporting different payment amounts, balances owed, date of charge offs, and more. This is my second notice I am sending to the bureaus of this inaccuracy. I have received no verifying information. I have attached the letters and the account information for your reference. Please remove the following accounts from my credit report. XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2022-04-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax and XXXX are reporting inconsistent information. They are all reporting different payment amounts, balances owed, date of charge offs, and more. This is my second notice I am sending to the bureaus of this inaccuracy. I have received no verifying information. I have attached the letters and the account information for your reference. Please remove the following accounts from my credit report. XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Fraudulent inquiries on my report, wrong names, addresses, and accounts

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 2022-04-11 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: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS

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 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Monday, XX/XX/2022, I spent over an hour researching a vacation flight for my family of XXXX. I found one which met our needs. And I completed the airlines lengthy form with our names, birthdates, seat selections, etc. 

When I put my debit card information into the system CHASE DECLINED THE PURCHASE. THEY HAD NO REASON NOR RIGHT TO DO SO! There were funds in my account to cover the flight costs. I have not had any fraud associated with my account. It was an arbitrary and unnecessary act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have fraudulent inquiries on my report, addresses, names that dont belong to me as well as some accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Last week ( XX/XX/XXXX ), I attempted to use my Hone Depot Consumer Credit Card and it was declined. I called on XX/XX/XXXX and XXXX and was advised there was a Fraud Block on my account. I have never received any proactive communication regarding this matter from XXXX or Citi bank, the bank backing the merchants transactions. During my call I was transferred to Citi consumer protection and advised they would reach out to verify my identity. I waited the entire day without response. In the evening I decided to call back and ascertain if I could escalate. I was told I needed to wait for them to communicate ; however, no timeline or method was defined, phone, email or written correspondence. I asked to speak with a supervisor, after waiting 5 minutes, I was told a supervisor was not available and one would call me in 24-48 hours on XX/XX/XXXX. To date XX/XX/XXXX, I have yet to receive a call from Citi. I take Fraud alerts seriously and have an alert on my consumer credit file. When I establish any new trade line the retailers fraud department calls the Phone # listed on my credit report to verify my intention. I have never had to do this process once the relationship has been established. My assumption was this was in response to the XXXX data Breach and if so, again the method for response is less than favorable. On Friday XX/XX/XXXX I initiated a XXXX complaint with XXXX XXXX to escalate the situation to the Executive team. I did receive a prompt follow up from the XXXX XXXX  team that they would escalate to Citi. Also, on XX/XX/XXXX I again attempted to use my card at a Michigan store. The store associate was prompted to call Citi, and I was on hold for nearly 40 minutes. The Citi representative would state they left me a voicemail ; however, my phone never rang on the phone number listed on my credit report. I encouraged the XXXX XXXX  executive team to run a report to ascertain how many consumer accounts are fraud blocked. There should be requirements put in place for companies fraud blocking, send written communication, etc. These companies close card for inactivity, then require new credit inquires to reopen accounts at the detriment of consumers.

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