vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Fair Credit Reporting Act 15 U.S.C. 1681b I am the natural person consumer in original creditor.

I am invoking my specified remedy as a consumer in the original creditor and I demand your company to remove and delete all negatives/ collections from My Consumer Report.

Your company is governed by the Fair Credit Reporting Act and must abide by the laws set forth in 15 USC 1681b permissible purpose of consumer reports.

( A ) subject to subsection C, any consumer reporting agency May furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the court order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with Section 5318 of Title 31 or section 3486 of Title 18.

( 2 ) and of course with the written instructions of the consumer to whom it relates.

This proves I am the consumer in original creditor and I have not given my written instructions to your company to furnish any information on my consumer reports and I demand a full removal and deletion of all negative accounts. I know my rights as a consumer and your company is in violation of my right to privacy. Failure to respond satisfactory with deletion will result in legal action against your company for which I will be seeking {$1000.00} per violation.

I am the consumer and I have a right to privacy and my Consumer Report is not public record. As well the fcra makes it clear your company can not furnish public information without my written instruction. I demand you stop infringing on my right to privacy

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 2022-02-26 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This is another situation of JP Morgan Chase Bank, NA trying to again foreclose on my home again for a third time!!! the last two fraudulent times my credit was identified as being cleared of the two accounts which this bank supposedly cleared off of my credit due to XXXX XXXXJP Morgan Chase Bank , NA 's credit reported information in XXXX as being in default of the primary fake account first mortgage which later proved to be forged/photocopied documents used in the foreclosure sale on XX/XX/XXXX. Now the most recent ILLEGAL foreclosure sale on XX/XX/XXXX, of XXXX Again fraud discharged this second so called mortgage HELOC as this fraudulent sale was initiated and part of this illegal foreclosure sale was discharged with this illegal sale. Now I get the attached credit report from XXXX dated XXXX showing this heloc as being in default even though it legally should have disappeared with the most recent illegal foreclosure sale on XXXX XXXX, XXXX. I have also filed complaint with the FBI, FHFA-OIG , IRS-OIG and etc... This is where this bank is trying to set me up for Another ILLEGAL foreclosure sale using this account. Please see attached this discharged with last foreclosure sale has damaged my credit even though it was removed from my credit reports has been put back on without the first primary fake mortgage that was foreclosed on twice!!!! This is credit fraud and JP Morgan Chase Bank is responsible for this false credit reporting while trying to AGAIN trying to set me up for another illegal foreclosure sale. This is severe financial, emotional abuse leading to additional physically abuse causing this XXXX yr old, XXXX, XXXX  woman with only a XXXX XXXX XXXX to be again terrorised into having another XXXX XXXX  as I recently had XXXX XXXX this causing severe XXXX XXXX with all of this illegal fraudulent XXXX!!! this so called HELOC does no longer exist and it is listed under another alias of JP Morgan Chase Bank, NA being now called JPMCB Home Lending is doing this to me on behalf of JP Morgan Chase Bank, NA. This again is a pattern criminal act of illegal foreclosure attempt coupled with tax evasion while damaging my credit, I do not blame the credit bureaus they are all being given FALSE credit reports. I believe this is a full blown conspiracy and am requesting the CFPB look into my other CFPB complaints to see the connecting criminal acts against me for illegal debt collection by all parties mentioned in this complaint. I will also be filing with other state and federal agencies as this illegal criminal activity continues to illegally try an Steal my home for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: PA

Complaint narrative:
I sent 4 notarized dispute letters to Experian and XXXX via certified mail to dispute inaccurate information currently reporting on my credit report. 

XXXX and Experian lost 3 out 4 of the dispute letters after receiving them via certified mail. This was my 2nd attempt to dispute the inaccurate information after both XXXX and Experian failed to investigate and fix inaccurate information currently reporting on my credit. 

I'm attaching the statement I've sent to support my claims

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 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
My wife set up Automatic Bill Pay through Truist Bank. The payment was set up for our mortgage. Initially the the bill pay payments were put in manually by my wife. Our payment is due the XXXX  of each month. It is considered late after 15 days. So XX/XX/2021 my wife utilized bill pays automatic payment system. It was set up for the XXXX of each month. The XXXX payment showed pending on XX/XX/XXXX, XXXX days before the XXXX. The XXXX bill pay payment showed pending XX/XX/XXXX. XXXX days before the XXXX. The XXXX bill pay payment showed pending on the XXXX. XXXX days before the XXXX. As a result of the bank pending the payment 4 days before the XXXX we incurred overdraft fees. These fee 's totaled 180.00 dollars. It would appear that there is no consistency when a automatic payment is labeled as pending. We had sufficient funds in our savings account to cover it, but the accounts aren't linked for overdraft protection. We did this to protect our savings from being depleted if our checking account was ever compromised. The lack of consistency with the bank labeling a transaction pending caused us to be overdrawn. Initially it was 2 days. Now two days has turned into 4 days. None of the manual transactions ever took 4 days. I get paid every Friday and this occurred on a Thursday. Is it wrong to expect some consistency from a bank?

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 2022-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
The debt they are attempting to collect has something to do with an ex-wife divorced XXXX XXXX ago. We spoke to them, told to them stop calling, and asked them to remove the number from their account. They keep calling and have been for some time now. 

The most recent call was today ( XXXX XX/XX/2022 ), the first was on XXXX XX/XX/2022. They've called at least XXXX times and have had all of this explained to them. Each time they promise to remove the number and stop calling but they obviously have not removed the number and they continue to call. 

The number they leave is this : Ally Financial XXXX XXXX XXXX ext XXXX XXXX I also spoke to someone claiming their name is XXXX XXXX ; XXXX promised to remove the number last weekend by the way. I get the idea that there really is not a XXXX XXXX as when you call back ; she is never there and I end up speaking to somone else.

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 2022-02-26 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: CA

Complaint narrative:
Hello I'm am reporting a account that has brought me much pain and suffering and it has crippled my ability to get credit and making me appear irresposible. The company XXXX XXXX claims that I have not payed them for three months but I have extremely compliant. On for the past three months I have provided my banking information and gotten conformations that they recieved payment only to get letter stating that the payment didn't go through resulting in a late being placed on my credit. They informed my that my bank did allow payment and was retuned do to insufficient funds. And this is just not the case my bank never reported and activity of payment cancelation or any thing of that nature from this company. There is absolutely no such transaction in my bank records, which means that the negligence is completely on there end and not mine. I HAVE BEEN COMPLETELY COMPLIANT!!!

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 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XX/XX/2022, I received a checking account statement from Wells Fargo for a checking account that I did not open. After speaking to several people and filing an identity theft report, they assured me the account was closed. However, it is still open, and I am still receiving statements from Wells Fargo.

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 2022-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
I am a 100 % XXXX vet. I went to my private primary care doctor ( INTEGRIS XXXX ) for a preventative lab test at XXXX XXXX of Oklahoma, using my private XXXX XXXX  insurance. The wrong billing code was used and resulted in me owing the full {$430.00} debt of the service. It has now been reported to a debt collection agency ( XX/XX/2021 ) that is ruining my credit and making it difficult to utilize my VA loan. 

As a XXXX vet with XXXX XXXX plus private health insurance, this service should have been covered and never reached my credit report. I have called and asked the debt collector ( Radius Global ) for a pay for deletion but they refused. 

I have contacted my private healthcare office, the lab, AND the collector and nobody can assist me. I feel wrongly treated and that this should not be legal. Nobody has been able to help me as the collector continues to report and ruin my credit. 

I can also attach proof of XXXX veteran status and private insurance.

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 2022-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BCI FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I have over. XXXX dollars in late fee while in forbearance. They need to credit me all this money. Attached letter how they made makes with my loan. My second complain their response was this not there problem!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: FL

Complaint narrative:
I was apart of the Equifax breach since then every month without fail I have had incorrect, fraudulent, bogus accounts placed on my credit report, causing me to constantly dispute! Isnt this injury to insult? Ive asked the customer service reps in XXXX, what are the methods you utilize to deem to responsible for these debts? I have none if the creditors havent EVER yet somehow they appear and Im supposed to prove my innocence guilty in Equifax court of law??? Ive lost XXXX of points never to regain them! WHAT if I needed to buy a car? A new home? They hold me accountable penalizing me for absolute nonsense! Ive had XXXX bogus accounts removed due to my diligence. Each time costing me points and struggle and 30 day waiting periods????? You allow these vultures to do this and it needs tp END now!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed a positive account in exceptional standing only because I thought once I closed it, it would be removed from my credit report. I did not know that closed accounts couldn't be removed from my credit report. Experian incorrectly disputed the actual validity of the account itself, and when the status of the dispute didn't change, they lowered my credit score 4 points, as if this was a negative account, and it is a positive account so my credit score shouldn't have been lowered just because the status of the dispute is that it remains unchanged and is still listed on my credit report. Therefore I want to file a complaint about Experian.

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 2022-02-26 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: GA

Complaint narrative:
1. An Official Change-of-Address was submitted to USPS by an unknown person/entity. I am the only person in this household of 5 included in the fraudulent CHANGE OF ADDRESS REQUEST. My address has not changed in 27 years. The address change was initiated around XX/XX/XXXX. I can not be certain of the date because I am locked out of my online USPS account. I went to the Post Office on XX/XX/XXXX. The address change is sending my mail to XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. This address is rental property listed by XXXX. I called the Rental Agency : XXXX XXXX XXXX XXXX XXXX, to inquire about the above address. The residence is occupied at present so someone is getting my mail and packages. 
2. XX/XX/XXXX : USPS Informed Delivery showed a check from XXXX. I checked the box to indicate that the item was not received. Loss {$93.00} issued on XX/XX/XXXX. 
3. XX/XX/XXXX ( estimate ) USPS sent Official Change-of-Address Validation. I called to dispute the change. The Validation key printed on the notification to dispute this change of address was invalid. No resolution on the phone. 
4. As of XX/XX/XXXX, Losses of merchandise ordered online is between {$300.00} to {$700.00}. I have receipts 5. MOST IMPORTANT : I am trying to dispute fraud on my credit reports.

a ) The report ( s ) show at least 4 hard inquiries and 15+ soft inquiries. I did not apply for any credit or initiate any inquiries. 
b ) Experian credit report lists fraudulent addresses in my history including XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. I can not get an Experian Rep on the phone to file a fraud claim. I tried to file a fraud claim on-line at Experian.com/fraud as directed by the automated phone menu since no live person was available to accept my call. The Experian site is sending verification messages to a bogus email address which I do not recognize and can not access. Who knows if the recipient can now change my username and password in Experian SINCE I CAN NOT GET ANYONE ON THE PHONE TO ASSIST WITH THIS FRAUD. I must wait until Monday when Experian resumes business hours. A lot of damage can be done in 48 hours. Thanks Experian. How can a primary credit reporting company not have 24/7 service to report fraud?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This is another situation of XXXX XXXX XXXX XXXX, XXXX trying to again foreclose on my home again for a third time!!! the last two fraudulent times my credit was identified as being cleared of the two accounts which this bank supposedly cleared off of my credit due to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 's credit reported information in XXXX as being in default of the primary fake account first mortgage which later proved to be forged/photocopied documents used in the foreclosure sale on XX/XX/XXXX. Now the most recent ILLEGAL foreclosure sale on XX/XX/XXXX, of XXXX Again fraud discharged this second so called mortgage HELOC as this fraudulent sale was initiated and part of this illegal foreclosure sale was discharged with this illegal sale. Now I get the attached credit report from Experian dated XXXX showing this heloc as being in default even though it legally should have disappeared with the most recent illegal foreclosure sale on XXXX XXXX, XXXX. I have also filed complaint with the FBI, FHFA-OIG , IRS-OIG and etc... This is where this bank is trying to set me up for Another ILLEGAL foreclosure sale using this account. Please see attached this discharged with last foreclosure sale has damaged my credit even though it was removed from my credit reports has been put back on without the first primary fake mortgage that was foreclosed on twice!!!! This is credit fraud and XXXX XXXX XXXX Bank is responsible for this false credit reporting while trying to AGAIN trying to set me up for another illegal foreclosure sale. This is severe financial, emotional abuse leading to additional physically abuse causing this XXXX yr old, XXXX, indigent woman with only a high school education to be again terrorised into having another cardiac event as I recently had XXXX XXXX this causing severe emotional duress with all of this illegal fraudulent XXXX!!! this so called HELOC does no longer exist and it is listed under another alias of XXXX XXXX XXXX XXXX, NA being now called XXXX XXXX XXXX is doing this to me on behalf of XXXX XXXX XXXX XXXX, NA. This again is a pattern criminal act of illegal foreclosure attempt coupled with tax evasion while damaging my credit, I do not blame the credit bureaus they are all being given FALSE credit reports. I believe this is a full blown conspiracy and am requesting the CFPB look into my other CFPB complaints to see the connecting criminal acts against me for illegal debt collection by all parties mentioned in this complaint. I will also be filing with other state and federal agencies as this illegal criminal activity continues to illegally try an Steal my home for profit.

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 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have now spent over 5 hours on hold on the phone. I am using up my entire phone plan in attempts to communicate with BOA. Only to be provided with misinformation and no helpful solutions to my issue. 

I had an estate checking account ; the estate was closed in early XXXX. 
I phoned BOA to find out how to close the checking account while retaining electronic access to the historical records for this account. 

The person I finally got through to on XX/XX/XXXX told me I did not have to close the account, that I could retain access electronically with an account balance of 0, and I was assured that there would be no charges for low balance, etc. 

So I did that. Funds were moved out of that account on XX/XX/XXXX. 

About 10 days later, I received XXXX cents in interest. 

I tried unsuccessfully to transfer that amount out, and I got an error that the amount was too small to transfer. 

Recently I received a charge for {$25.00} - monthly service charge. 

I phone again today. After another long wait, they told me I would need to close the account, but I was again ASSURED that I would still retain electronic access to the historical records. 

In fact, however, all electronic access has now been lost. 

I phoned again. Another long wait on hold. Transfer to supervisor. 
Another long wait on hold. 

She told me that once the account is closed, all online access is permanently lost, and that I can not re-open the account to regain access. 

I am EXTREMELY unhappy with these experiences with BOA. 

I would appreciate help in restoring access to the account that was closed this morning ( with the false promise I would retain electronic access to the records ) -- whether by re-opening the account ( which they told me was Impossible ) or by providing electronic access to the records from the now-closed 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 monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase shows that the transaction was completed at coinbase side, but i did not receive it in my wallet which is also a coinbase wallet. Conbase has been giving me a run around, provides for phone numbers that does not work [ which by the way is on their website ] and refuses to locate my funds disappeared by coinbase. This is supposed to be a nasdaq publicly traded company.

Company response to consumer: Closed with explanation