vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-06 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: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-05-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-05-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is reporting data and a credit score to XXXX  XXXX XXXX. The score is horrific and contains two major negative items which are not related in any way to me and has been confirmed by XXXX  XXXX XXXX as not relating to my credit relationship with them. 

I have tried contacting TransUnion on multiple occassions to access my account but they claim they have no record of me which is wholly and totally untrue. They are reporting data to XXXX  XXXX XXXX about me, whether it is correct or not and hugely impacting my life with this incorrect information. And when I try contacting them about it, they continuously tell me they have no information about me. I have called five times and i have been passed from one department to another with no remedy. I can not accept this anymore and TransUnion must be held accountable. My life is being ruined by them and I can't even access what they are publishing about me to my bank. This is a living nightmare and there is no way to hold them accountable. They have recommended I simply 'wait ' a couple of months. It's totally unacceptable. Every day continues to negatively impact me with TransUnion taking no steps to fix their errors. 

Please help me

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 2022-05-06 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: TX

Complaint narrative:
I am a victim of identity theft, and Dept of treasury has fraudulent accounts on my credit profile that need to be removed 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 2022-05-06 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: TX

Complaint narrative:
I am a victim of identity theft, and Dept of treasury has fraudulent accounts on my credit profile that need to be removed 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 non-monetary relief
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
EasternAccount system in CT is trying to collect a debt that I dont owe. I asked them numerous times to verify that the debt belongs to me but they refuse. I put a dispute with XXXX and XXXX. XXXX removed it but XXXX didnt because it was verified by them. They are claiming that I owe a balance to XXXX XXXX but when I contact them XXXX said that my balance is zero. Called them numerous times and never got a solution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
Marcus by Goldman Sachs purchased the credit card receivables of XXXX  XXXX and told us all, 'to be patient while we transition over millions of customers from XXXX  XXXX to Goldman Sachs ''. I received an email from XXXX by GS that I had an upcoming payment and like every month I instructed my bank to pay the full amount. 

A few days later on XXXX XXXX I get a further notification from XXXX by GS that my account was now blocked because I had not made a payment and there was an approximate {$35.00} interest charge and a {$29.00} late fee. It turns out that in the transition as frequently happens it did not go smoothly. I called, pointed our their deficiencies, helped them get my bank account properly connected and then made a full payment of approx. {$2800.00}. I asked that they remove the late fee and interest charge. They agreed to remove the interest charge but not the late fee but they lied about removing the interest charge. It is still on my XXXX, XXXX  bill. They escalated my request and said it would take a week. Today I called them again and they had nothing to tell me. I said I would file a complaint with the CFPB because they are abusing their economic market power with many retail customers who might not realise that leaving a 'late fee ' flag on their account will give XXXX by GS the opportunity to charge them a higher rate of interest on their balances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Mercedes Benz has not followed the TILA laws nor have they followed the Sate Law of Texas. This form of communication is to place them on notice that Arbitration is needed, there is a dispute about my rights as a consumer and this alleged vehicle lease. I have contacted MBFS for 2 years going back and forth and they have only stated opinionated and business cultured responses, just because this is how they have done things for so long doesn't mean its a law or right. 

I have given them every law and the meaning of the law and explained to them how breaking the law caused emotional damage to me, however they continue to either not respond nor have they responded with an affidavit. 

Attached is a notarized copy of revocation on power of attorney. 
Attached is a notarized copy of my right to rescind the alleged vehicle lease contract Attached is a notarized copy of an Affidavit of truth and final opportunity to cure with 4 counts of violations on The Federal and State level.

Im demanding that the attorney contact me via CFPB to address the dispute. I do have the right to take this case to federal court which is my jurisdiction as a Consumer has power and is respected. With going to Federal court and having the courts hear my case based on Truth and Facts will allow other consumers to use my winning case as case law costing MBFS tons of money in settlements and lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: MI

Complaint narrative:
We had autopay set up with United Wholesale mortgage. In XXXX of 2021 we contacted UWM and needed to change banks for auto pay. We walked through changing bank information with representative at UWM. In XX/XX/2021 and she said we were all set. We received a US postal default notice from UWM ( first and only notice ). We immediately contacted UWM and they had no answer for why the auto pay did not work with the new bank. After some review they noticed that all the banking information - account number and routing number- were correct. They found that my wife 's middle name was not on the auto pay request and that was given as the reason why it may have been rejected. The representative stated he did not now why the auto pay did not work because all the other information was correct. We corrected and added my wife 's middle name and all subsequent payments have been made successfully. We disputed this with XXXX ( we have membership with them ) and they attempted to resolve the issue and may have reduced the default remark to a 30 day late pay on my credit score. My excellent credit score of XXXX was reduced to XXXX and currently stands there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
Almost everyday from XX/XX/2022 Credit Acceptance has called 4 or more times a day. It doesn't matter if I communicate with them at all. The calls will keep coming until XXXX my time. I have no problem if a debt collector makes one or two calls. That would be reasonable. I have told them that the frequency they call at this point feels like harassment as it doesn't matter if I talk to them in the morning and they know I can't pay then. They will just keep calling. When confronting them about it they will just tell you to write a letter and hang up. XX/XX/2022 as an example between XXXX they called 4 times. If you think blocking the number could give you some temp relief, you would be wrong as they have several other numbers to call from. I work 12 hour days from XXXX. The lien I have for the car is past due as they made aware every single day except Sunday. I have made payments and still making payments to catch myself up. It's not like I'm 90 days past due or haven't been submitting any type of payments 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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an open collections account from CONSUMER ADJUSTMENT that was added to my Equifax credit report on XX/XX/XXXX. This was a credit card account that was closed XXXX days ago on XXXX XXXX, XXXX. This is an attempt to re-age the account and prolong its presence on my credit report. I have disputed and had the account removed from the other 2 credit bureaus, but Equifax refuses to acknowledge the data I have provided in my disputes and reaffirms the fraudulent claims by this unscrupulous debt collector. Even though this account is over the 7.5 years when it should be removed from my report, this collections agency has reported the debt as being opened XXXX. This date is over 7 years after the account was closed and they've simply reported the age as the date they acquired the debt. 

I previously disputed this account and successfully had it removed from Equifax as well, but this collections company has purchased debt that is older than 7.5 years and has tried to re-age the account to ensure it stays on my report to try and collect debt they bought for pennies on the dollar. Both Equifax and CONSUMER ADJUSTMENT ( XXXX XXXX XXXX XXXX - Original creditor ) are in violation of The Fair Credit Billing Act ( FCBA ). I have disputed this account multiple times and have tried to contact the original creditor and collections company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Ingo Money, Inc.
State: MI

Complaint narrative:
They said Identify myself on XXXX I did

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: CT

Complaint narrative:
I pulled my credit report thru Equifax and I saw that there is a collection from XXXX XXXX XXXXXXXX. I contact them and asked them to verify. XXXXXXXX XXXX XXXX said that the balance is XXXX and it shouldnt be there. Equifax is saying when I disputed that I owe a balance because they verify it. I have no idea who XXXXXXXX XXXX XXXXXXXX is and it shouldnt be on my report. This who thing has been a nightmare and its affecting me personal and financially. Please removXXXX XXXX XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: TX

Complaint narrative:
I received an alert that my social security number had be compromised. I checked my credit report and I have not applied or tried to acquire accounts from any of the companies listed. There are current inquiries on my credit report I did not authorize. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I applied for a mortgage in XX/XX/XXXX with Ameris Bank. Ameris Bank and these other companies, XXXX, XXXX XXXX and XXXX XXXX repeatedly ran my credit report without my permission. I believe XXXX XXXX is associated with Ameris Bank. Now I have no less than 7 inquiries from these companies on my credit report. Ameris told me 3 times that I have the loan, but in the end in XX/XX/XXXX, denied me the loan. I do not understand why they ran my credit so many times. I believe these repeated inquiries are fraudulent and should be removed as they are now preventing me access to credit. I did not give my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I was trying to open account online i was unable so I was instructed to call or come in a branch well I dont currently live near a branch. So upon calling I had an old account back in 2016 I didnt have any activity as I was transitioning from XXXXXXXX XXXX  service .Everytime I call Im just told minimal information and not being full help I didnt have any negative activity I deserve to know why and how to correct this issue.

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 2022-05-06 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase fraud department contacted ME and advised ME that THEY decided to shut down my account due to fraudulent charges being charged on my business account. They credited the funds back. 2 weeks later the charges were back. They concluded I used the card in person. Of course I did not. Charge history would show I fill my car up at the same gas station closest to my house for the last three years. However, After speaking with them and then following all directions including having to provide my cell phone location records to show evidence that I was not in the state of the time of purchase, Chase still decided I made the purchase in person. In the ongoing effort to get my money back Ive now realized that Chase is no longer trying to assist me but blame me and continue to remove the charges and then place the charges on my account again seemingly every pay period. So now every pay period Im calling begging to get my money back to pay my bills on time. This will be the last time I will stress out over not being able to pay my bills. 
Chase has decided no matter what I prove that I will be the loser here and that I will have to pay for someone else scamming me. No protection from the bank. 
Here are the fraudulent charges they refuse to credit back to me. 

XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Method - online, mail or phone Category- Gas

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hard inquiries that were fradulent and should be removed from my consumer report. 

XXXXXXXX XXXX XXXX Capital One Capital One Bank USA XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Hard inquiries that were fradulent and should be removed from my consumer report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ally Financial

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 2022-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RNN Group, Inc
State: LA

Complaint narrative:
Not aware of the Debt the company is collecting for.

Debt is well over the limits of limitations if owed.

Collector is constantly contacting for employment verification and reaching out to different Dept within the company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: GA

Complaint narrative:
I have on several occasions filed a FCRA 611 dispute letter with Trans Union requesting they provide me with the method of verification they used to verify a disputed item. They each time have come back with what I attached. 
I know they are unable to do this and seems like each time the attached is the automatic response given. 
They are fully aware that I have copied CFPB, as I mailed my dispute to you also as a backup. 
Please look into why they are not adhering to FCRA 611 requirements.

As these two items listed that I questioned should have been removed. Because they can not provide the method of verification. Thank You

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 2022-05-06 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I have a credit check from Aqua Finance on my record and I did not approve it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation