vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc.
State: MI

Complaint narrative:
This complaint to ADVANTAGE CREDIT INC was the result of their non-compliance to my request to remove their unauthorized furnishing of an inquiry on my account. I never reached out nor authorized them to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I contacted Chase and applied for a mortgage refinance with Chase. I provided all information about my situation up front. I was told that I qualified for the refinance, and I needed to make a {$500.00} deposit on the transaction, which I paid. They used the information that I provided before I made the deposit to reject my refinance application. I was told I would receive a refund for the {$500.00} deposit since the information used to deny me was all given before I made the deposit. I have not received the refund, and they will not return my phone calls or emails for a status update on the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Was informed that insurance was going to cover bill. The collection debt was paid XXXX XXXX ( XXXX ) via phone. After it being paid, was denied for it to be removed. I did not receive any notifications that bill could have gone to collections debt beforehand. Would like for it to be removed for home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, a new derogatory mark showed up on my credit report across all major credit bureaus. A company named Credit Portfolio Control , Inc. claimed that I owed them {$920.00}. I attempted to telephone the company multiple times and sent them two letters via USPS. There was no response. I had no idea what this debt was. 

On XX/XX/XXXX, I filed a complaint with the XXXX XXXX XXXX Credit Portfolio Control did finally respond, claiming that they were representing a collection client, and that this was a credit card debt from XXXX. However, the statement that Credit Portfolio Control provided showed a balance that was about HALF the value of what was filed with the credit reporting agencies. ( They claim that the difference is in interest, fees, etc., but not credit card charges ) I had my identity stolen in XXXX, and filed reports to that effect with the FTC in XXXX and XXXX. 

This credit card is simply not mine. 

Also, Credit Portfolio Control can not legally collect on this debt in the State of Florida. The last statement from the credit card company was from XX/XX/XXXX. I reside in Florida. So the statute of limitations to collect on this debt ( if even valid ) lapsed over 1 year ago. They have had since XXXX. It is now XXXX. 

Additionally, according to my credit report Credit Portfolio Control acquired this debt in XXXX of XXXX. At no time did this company attempt to contact me through any method. They waited to file this with the credit bureaus for seven months, filing to my reports in XX/XX/XXXX. Why file with the bureaus at all if they can not legally collect on this debt? 

But, as the debt is not mine ( stolen identity ), and has aged passed all statute of limitations limits in Florida for collections regardless, I believe that Credit Portfolio Control is in violation of BOTH the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. 

The XXXX  was unable to resolve this issue, and specifically recommended that I contact you. A full transcript of the Complaint with the XXXX  is available, along with the supporting documentation. I also have spoken with the FTC ( as indicated in the documentation ), and they recommended that I contact the CFPB as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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 sent a letter disputing 2 accounts as incorrect. I received notice that Experian received the dispute letter on XX/XX/2022. Upon receiving the results, I requested a reinvestigation of the accounts that we claimed to have been accurate or verified. I requested the following items upon the reinvestigation which included the investigation results, contact information for each creditor, any relevant information from the previous investigation and documentation used to verify the dispute for completeness, accuracy and appropriateness. I received the results VIA EMAIL and did not receive any information f the investigation. These accounts were claimed to have been accurate or verified by Experian, just putting them on my credit report without my consent and without my knowledge of them being 100 % 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 explanation
Consumer complaint received 2022-03-18 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: CT

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 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: CT

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Well Fargo is fraudulently working with people to use ATM card. Well Fargo claims that I used my ATM card on XX/XX/22. Well Fargo did a shady investigation and refused to refund back my money

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 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
On XX/XX/2022 I got a report on my credit that Credit Collection Services is still trying to collect an amount that I disputed. They never mailed or sent me confirmation of my dispute before reporting this on my credit report. 

I called on XX/XX/2022 I called at XXXX and was so frustrated this was on my report. I offered to pay it if they would just remove it. 
The company told me they can not remove it under FRCA rules which is not true so I was lied too. 
I explained the amount is wrong and I sent the original collector ( XXXX ) my declaration. I was told they never got it. 
Fact is the amount is wrong and I just want this removed from my report and fixed. I am attaching the declaration with this complaint showing the date. I can not have 2 insurances under MI state law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: OR

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: SC

Complaint narrative:
Contracted with Lennar Builders and Lennar Mortgage XX/XX/XXXX. Closing date pushed back several times with little to no communication. 

XX/XX/XXXX I reached out to LO at Lennar Mortgage to lock rate, she recommended I continue to wait for closing confirmation. 

XX/XX/XXXX received an email notifying me a lawsuit is pending on the new development for mold/mildew. Lawsuit states some units uninhabitable. Received a contact for questions in that email, reached out to that contact and sellers agent multiple times via phone and email, no response. 

XX/XX/XXXX sent LO email I would like to lock rate. LO did not respond for days and then relayed that the condo may be unwarrantable. Asked about financing options, LO could not assist. Asked on phone and email to speak with a manager. No communication. 

XX/XX/XXXX Contacted by closing attorney that I have to choose another closing attorney because of conflict of interest due to litigation. Called recommended closing attorney I work with and they said that they had a closing date of XX/XX/XXXX. 

I still have not received formal communication about the closing date. I cant make necessary arrangements for moving. This creates an issue for me to stay housed during the unknown delays. 

I dont know what my financing is going to be, no one will speak with me. I dont understand what my rate could be, if I can still get financing. 

Called the attorney that file the lawsuit, he said there are two lawsuits, another for brick brought by the HOA. I did not receive a copy. I emailed the Lennar contacts I was given asking for a call and copy of lawsuit, but received no response. 

I am confused, I dont know if I have a home to live in within the next 60 days, if I have enough money to put down, and if my unit has any mold or bad building materials.

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 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Fraud was detected on my card on XX/XX/XXXX, unfortunately that was the same day that XXXX took over being the processor from XXXX XXXX. After waiting on hold for over two hours they ordered me a card, the card never came so they ordered another, that never came ... Bottom line is as of XX/XX/XXXX I still do not have a card. History shows card ending in XXXX on XXXX, card ending in XXXX on XXXX, card ending in XXXX on XX/XX/XXXX, which I am still waiting on. Trying to reach customer is an hour wait each time. I been hung on by CS reps, I ask to speak to a manager and they decline, say they will call you if they need anything. In addition the GM rewards associated with the account are all wrong on the statements. They also reduced my cash advanced limit from XXXX to XXXX, keep in mind my credit score is XXXX so why? I also have an issue with not being able to move around the website, even after logged in, without having to be sent an Authorization Code to view my account. This bank is not ready to be a processor of credit cards nor are the CS reps trained properly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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:
XXXX  XXXX 15 U.S. Code 1666B - Correction of billing errors For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-03-18 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Golden Sach is refusing to update all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: IL

Complaint narrative:
Southwest recovery services contacted my about a credit card swiper that was not returned. They could not provide proof of a contract, a signature, nor proof that a credit card was ever swiped by us on any kind of credit card machine. We do not use them as we are a wholesaler. Customers do not come into our factory. We don't have a public face and have no use for a credit card swiper. I repeatedly told them that the debt was not mine. Some how they got my personal info and put a derogatory remark on my personal account. We are shopping a mortgage and they tanked our credit. I feel like this is extortion. They want me to pay them to go away. They are scammers and need to be taken off the market place. Please help us, they should not be allowed to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: OR

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-18 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: OR

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: eToro USA LLC
State: TX

Complaint narrative:
ETORO, liquidated by crypto positions and closed my accounts. I can no longer access my accounts. They closed stating that I did not provide sufficient information. I had uploaded Passport, Drivers license and voice recording. These were asked months after I was using their platform. They were not asked at registration. I did provide them. 

My Loss : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: KY

Complaint narrative:
i saw that XXXX XXXX XXXX and first premier bank both had put hard inquiries on my credit report to all XXXX major credit reporting agencys and i contacted both XXXX XXXX and XXXX XXXX  and asked why they had put hard inquirys on my credit report when i never used them and was not a customer and was told i applied for a credit card. a XXXX XXXX address and a fake phone number and fake social ssn number was added to my credit report which i told them was not done by me, i was able to prove that i was XXXX XXXX XXXX and had a valid id and correct ssn and valid adress and valid phone number and it was a a fraud and told them both to cancel the credit card because i did not request the cards and did not want a card with them as i didnt rrust them as they had let someone with false imformation try to get a credit catrd in my name and would not remove the hard inquary from my credit report .this was done on XX/XX/XXXX through XXXX of XXXX XXXX called each of XXXX credit agencys XXXX XXXX and traansunion and told them about credit XXXX and XXXX XXXX XXXX doing hard inquiry on my credit report using fradulent data to give a credit card to a unknown person in my name and now i am trying to get this hard inquiry removed from my credit report and have somethingh done to XXXX XXXX XXXX and XXXX XXXX XXXX and transunion XXXX XXXX for allowing this fradulent data to be added to my account with no valid proof or valid id used or valid address or valid phone number or valid social ssn given to prove it was actually me before adding this data to my credit report and causing me to lose points on my credit report and refusing to remove the false data after verifing it was not me who added the false data .transunion does this to hurt XXXX people credit they require i send them my valid id to remove fradulent data but didnt require the person who added the fradulent data to show a valid id or XXXXvalid ssn or valid address which proves they crooks and out to cause XXXX and harm to people credit as they add fradulent data too ddam easily with no verification 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 non-monetary relief
Consumer complaint received 2022-03-18 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: KY

Complaint narrative:
i saw that XXXX XXXX XXXX and XXXX XXXX XXXX both had put hard inquiries on my credit report to all 3 major credit reporting agencys and i contacted both credit one and premier bank and asked why they had put hard inquirys on my credit report when i never used them and was not a customer and was told i applied for a credit card. a XXXX il address and a fake phone number and fake social ssn number was added to my credit report which i told them was not done by me, i was able to prove that i was XXXX XXXX XXXX and had a valid id and correct ssn and valid adress and valid phone number and it was a a fraud and told them both to cancel the credit card because i did not request the cards and did not want a card with them as i didnt rrust them as they had let someone with false imformation try to get a credit catrd in my name and would not remove the hard inquary from my credit report .this was done on XX/XX/XXXX through XXXX of XXXX XXXX called each of tyhe credit agencys experian, XXXX  and XXXX  and told them about XXXX XXXX and XXXX XXXX XXXX doing hard inquiry on my credit report using fradulent data to give a credit card to a unknown person in my name and now i am trying to get this hard inquiry removed from my credit report and have somethingh done to XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX for allowing this fradulent data to be added to my account with no valid proof or valid id used or valid address or valid phone number or valid social ssn given to prove it was actually me before adding this data to my credit report and causing me to lose points on my credit report and refusing to remove the false data after verifing it was not me who added the false data .transunion does this to hurt XXXX people credit they require i send them my valid id to remove fradulent data but didnt require the person who added the fradulent data to show a valid id or bvalid ssn or valid address which proves they crooks and out to cause mayem and harm to people credit as they add fradulent data too XXXX  easily with no verification 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 non-monetary relief