vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have two fraudulent accounts showing on my consumer profiles that I have no knowledge of nor signed my signature for.

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
This involves the company : Experian. I have an account which has been frozen by myself and for which I have lost the sign on userid and password and as a result I am unable to log in ( I wanted to change my email ). I have been given instructions by experian ( probably computer generated, see attachment ) to find the userid but when I followed the instructions giving my date of birth and social security number, it says unable to find account. I responded to the Experian email explaining the situation and I received back a message that Experian can't respond to that initial email ( probably since computer generated ) I have looked further online on the website and have been unable to find any other help and I have called for weeks during XXXX several times weekly and receive different messages but all without any option for the kind of help I need to reset my userid and password when the system doesn't even recognize me. My account is currently not reachable and if I want to unfreeze it, I am unable to do so. I sent a letter ( not email ) to an address I found for Experian explaining the situation about two weeks ago and have received no answer and I don't have that address now.

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 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had a dispute open on my checking account. The bank issued final credits in regards to this issue but now has locked my account from any activity. Customer service told me that my account has a " no check status '' which blocks me from any and all activity. I am hearing impaired so I can not just call customer care so easily. Furthermore, I am at my second home in XXXX and not at my XXXX home so I can not just walk into a TD branch. I sent a secure email via online banking but nobody will assist me in unblocking my account. How can a bank issue dispute final credits then block the account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 719XXXX has me at a score around 590. 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 n 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 us 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX my husband applied for a refinance. On XX/XX/2022 Quicken called and said that they needed my information on my bankruptcy. I am not on the mortgage nor am I on the application for the refinance. They also disclosed that they had his mortgage listed as an active bankruptcy, he hasn't declared bankruptcy. 
The last week of XXXX Quicken called to schedule the closing but then said they were checking the payoff to look for an email. 

On XX/XX/2022 a rep for Rocket/Quicken called and said they needed a release from the court in reference to my bankruptcy. I am not on the note, and I am not on the Deed of Trust. 

My husband sent them an email telling them he wasn't in bankruptcy. And that it was a violation of my privacy for them to be asking. They responded that they still wanted the information. 

My husband has a credit score of XXXX, he makes 100k a year and qualifies for the loan, I have the letter, on his own. I am not nor have I applied for a mortgage, I have never given permission to look at my credit information and they are holding my husbands refinance hostage until I comply. Which I won't, because it against federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have XXXX fraudulent accounts showing on my consumer profiles that I have no knowledge of nor signed my signature for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have XXXX fraudulent accounts showing on my consumer profiles that I have no knowledge of nor signed my signature for.

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 2022-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I received a text from a friend that I was on a list to receive a grant from the XXXX XXXX XXXXn and he received or said he received money from them. It turns out it wasnt my friend I texted back-and-forth with him and it was not him. XXXX XXXX the grant. XXXX XXXX XXXX XXXX texted me to send {$1000.00} handling fees before I could get the money that was supposed to be delivered from XXXX. Her number is XXXX. I tried to send her {$500.00} and she said it didnt go through but it did. And then I tried to send it to another person named XXXX XXXX XXXX. That was sent from PayPal the other was from XXXX at my XXXX XXXX bank. I called and froze my accounts at XXXX and the other companies. I filed a police report. I got off of PayPal XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
hello i XXXX like to state i XXXX XXXX pay my bills on time i have all my bill confirmation and receipts and there are false errors in my credit report making my credit bad never had a credit card or been in any type of dept i would like my credit score to be investigated i feel its to low for the bills that i payed off my info XXXX XXXX XX/XX/1986 XXXX XXXX Address XXXX XXXX XXXX i would like to file suit for Defamation of Character XXXX XXXX XXXX and transunion have not giving me my correct credit score i would like it to be fix i should be allowed monetary compensation under the XXXX act i have lost assets do to this false credit report the next complaint about my false credit errors goes fedreal trade commission

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 2022-02-10 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have several items that are reporting negative on my credit report in which I have done the following : 1 ) .JPMCB - showing negative reporting in the amount of {$3200.00} - spoke with their recovery department and was advised that this item was zero in their system and had no idea why the credit bureaus were reporting it 2 ) .XXXX XXXX XXXX- {$2700.00} spoke with their collections and was advised this item is no longer in collections and was removed 3 ) .XXXX XXXX - {$37000.00} - spoke with their recovery department and was advised this item is not in their system. 
4 ) .XXXX XXXXXXXX - {$1900.00} - spoke with them and they advised me that I do not any accounts that are in a delinquent status no did I have a account in a delinquent status. 
5 ) XXXX XXXX XXXX XXXX {$3200.00} - this is same comenity bank barneys for {$2700.00} thats is reporting negative on my credit in which it should be removed! 
The item above are ruining my credit and my chances of trying to buy me a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have several items that are reporting negative on my credit report in which I have done the following : 1 ) .XXXX  - showing negative reporting in the amount of {$3200.00} - spoke with their recovery department and was advised that this item was zero in their system and had no idea why the credit bureaus were reporting it 2 ) .XXXX XXXX XXXX- {$2700.00} spoke with their collections and was advised this item is no longer in collections and was removed 3 ) .Ally Financial - {$37000.00} - spoke with their recovery department and was advised this item is not in their system. 
4 ) .XXXX  XXXX - {$1900.00} - spoke with them and they advised me that I do not any accounts that are in a delinquent status no did I have a account in a delinquent status. 
5 ) .XXXX XXXX XXXX XXXX {$3200.00} - this is same XXXX XXXX XXXX for {$2700.00} thats is reporting negative on my credit in which it should be removed! 
The item above are ruining my credit and my chances of trying to buy me a home.

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 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an invitation from Regions Bank to open an account and receive {$400.00} after qualifying transactions in XXXX of 2021. I opened an account, set up a direct deposit, and as of today 's date I have not received the {$400.00}. I tried calling to resolve this issue to no avail.

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 2022-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas)
State: OK

Complaint narrative:
Re sending a complaint, the debt buy didn't give me a notice of debt or the right to validate debt before placing on credit report violation of FDCA, also I don't have a contract with this debt buyer to buy any debt on my behalf violation of USC codes. Contract laws.

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 2022-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I was told in XXXX the only option I had to help with payment was too do the student loan forgivness plan. Which has currently came into a lawsuit in XXXX. With the pandemic I was told I wouldnt need to make a payment until further notice or at all. Today I recieved an email saying I would have to make a payment on 2 days time of XXXX dollars. However even though I have tried to make contact with XXXX thru my account online I am told account doesnt exist. 
Being out of work for over a year due to pandamic and unable to find work at the cirrent situation unless I want to work fast food, i am unable to make a payment. 
I feel like I am being coerced into high XXXX for something out of my control and also I was told until further notice or not at all. I was not given acceptable time to make payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have updated information regarding Equifax 's investigation. A complaint was made on XXXX regarding late payments on my credit report and they replied on XXXX saying they are still investigating. Today is XXXX and i still have not received any result to the investigation. Pursuant to 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1681i ( a ) ( 1 ) ( B ), they have up to 45 days to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and it is well pass 45 days. They are in violation. I have attached a complete paper trail of my communication with Equifax. Awaiting your advice on this matter, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/2021, I received the message that {$440.00} was charged to my apple card. I did not make the charge and I immediately contacted The Apple Card ( Goldman Sachs ) stating that this was not my charge. 
They placed the charge as disputed and after several months stated that they contacted the seller and they apparently proved a charge was made with my credit card. Therefore, they found in favor of the creditor. I stated again I did not make this charge and to provide proof that I made the purchase online and to verify where the item was shipped to. They refuse to take this item off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-10 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: LEXISNEXIS
State: TX

Complaint narrative:
I spoke with Lexus nexus and requested on XX/XX/2021 to remove the inaccurate information. I also consulted a credit repair company on my be hallf on XXXX. I spoke to Lexus Nexus multiple times during XXXX  requesting to freeze report and stop reporting on XX/XX/2021. The account is still reporting and it is more than one account that is inaccurate. I still haven't had any help with information removed or no longer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: NJ

Complaint narrative:
To Whom it May Concern : In XX/XX/2021, I traded in my vehicle financed by XXXX  XXXX  and closed the account with a {$0.00} balance. Recently, I pulled my credit reports and I see that TransUnion is still reporting the account as Open with a balance and monthly payment. This error is affecting my debt-to-income ratio and is preventing me from loan approval.

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 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
In the first week of XX/XX/XXXX, I met with XXXX XXXX, the assistant manager of the XXXX XXXX, Ohio branch of U. S. Bank. I, at the time informed XXXX that my wife XXXX had died on XXXX day and I would need his help to change the accounts to my name. I furnished him with a copy of our wills and gave him a copy of the death certificate so that he could start the procedure of making the necessary changes. Everything was progressing smoothly until XXXX realized that one of the accounts which had been opened by my wife and never used was in her name only. He said that that account would have to be probated to access the funds. I checked with the XXXX County Ohio clerk of the Probate Court and was told that the fees for this would probably be {$800.00}. When I gave this information to the bank, XXXX made some calls and said not to worry and then informed me that he was told that the money would eventually go to the state as unclaimed funds and that I would be able to claim it. 

Since that time, I have on several occasions contacted U. S. Bank customer service to check on this matter and could not get a satisfactory answer on when this money would be given to the state and the account closed. In XXXX I had again called and the individual I then spoke with said that the transfer should have already been made and that he would check on it and call me back. He never called back. In the fall of XXXX, when looking at my latest statement, I noticed that the account in question had been charged a service fee. I stopped at the XXXX XXXX ( XXXX XXXX XXXX had been closed ) and spoke with one of the cashier 's who said she would take this up with the branch manager. She called me and said that she was not able to give me a satisfactory answer but would continue to try and find one and call me back in a week or two. Upon visiting the branch she had then informed me that she had not been able to resolve the issue and that they would continue to charge the service fees. 

This institution has been holding on to funds that do not belong to them and are now charging the account [ that should have been closed 5 years ago ] a dormant account fee. This will eventually empty the account and they will then close it. This should be stopped and they should be made to refund the fees that they have unjustly charged, and pay interest on the money that they have unjustly held on too for five years. I cant help but wonder how many other people that they rip-off every day who are in the same or similar situation as I found myself in. It would be interesting to know how big a chunk of money that this thievery amounts to every year.

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 monetary relief