vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 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: MO

Complaint narrative:
I recently disputed the accuracy of the information contained in my credit report regarding the accounts below, and to inform you that you are in violation of my rights under 15 U.S. Code 1681s2 Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies. your agency has failed to provide me with the required notice of the results of any investigation that may have been conducted, as well as any corrections made to my credit report as a result of the investigation. This lack of communication from your agency has made it impossible for me to fully understand the accuracy of my credit report and has caused me significant frustration and financial harm. Under 15 U.S. Code 1681s 2, credit reporting agencies are required to follow certain procedures when reporting information about consumers. The following accounts in this dispute letter attached to this complaint must be deleted.

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 2023-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Account Number XXXX Provider : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX requested for me to have a XXXX XXXX at XXXX XXXX XXXX XXXX. I should have had the XXXX  at a XXXX XXXX XXXX  or another local XXXX XXXX. XXXX XXXX XXXX charged me the amount of {$6600.00} for the XXXX and also {$600.00} for the required XXXX. I was not informed of this cost by XXXX or XXXX. Hence, I was not given the opportunity to decline in order to find a more inexpensive location for the scan. This is a clear violation of the Federal No Surprises Act which came into effect in 2022. After researching, I found that the XXXX XXXX could have been done for between XXXX and XXXX dollars before the insurance obligation. I have always paid my bills promptly in advance but this is unfair to a responsible customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: DISCOVER BANK
State: MA

Complaint narrative:
Discover SSN Inquiry & New Account Alert : Your SSN/New Account/Inquiry alerts will soon come from a new number XXXX. There are no additional changes to your SSN/New Account/Inquiry alert messages you enjoy today, and no action needed from you. More details discover.com/text-migration I am not associated with number XXXX and believe this is fraud. I did not make any new credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I first announced to all three credit bureaus that I NEVER applied to Bank of America for a credit card. This has been going on since XXXX, XXXX, I did file a fraud report ; however Bank of America is still on my credit reports. 

Every time I receive a piece of mail from Bank of America, I always return it to the sender. On XX/XX/XXXX, I received another piece of mail from Bank of America for which I wrote on it " I DON'T HAVE AN ACCOUNT WITH YOU! STOP SENDING MAIL TO MY HOME!! '' Now I find out that Bank of America, has been opening fake accounts in peoples name. 

I NEVER RECEIVED OR USED A BANK OF AMERICA CREDIT CARD. MY CREDIT REPORT SHOWS NO ACTIVITY. WAS THE CARD ACTIVATED OR WHAT!

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 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I received emails to my personal email address on XX/XX/23 about a Citizens Bank application that I did not submit. I called Citizens Bank that day to request information, and the representative searched for accounts using my social security number. She told me there were no open accounts and to disregard the emails. 

I kept receiving emails, so I contacted them via Chat and they told me there was an open account now. They would not close the account because my mailing address is different than the one I have on file. I explained that the fraudster likely used a fake mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
capitol one acct was paid in full XX/XX/XXXX and they reported it to credit agency but they have not adjusted the amount on my balance and closed the account even though it was paid in full. They continue to collect something that was already paid by a negotiable instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I contacted Chase to inform them about my identity being stolen and how i have begun to take steps to protect my identity which included filing a identity theft report with the government, putting a freeze on my credit, and starting the process of obtaining a new SSN. Chase however got back to be claiming that this is in fact my debt and that i will be held responsible for it. Not sure what brain power went into that conclusion but that was probably one of the biggest financial mistakes they will ever make as i plan on filing a lawsuit against them if they refuse to acknowledge my identity was stolen and that this is not my debt. Do they not realize when someone steals the right information they can get everything about you? Apparently not because they seem to know everything. They claim its my responsibility because they mailed correspondence to my address which doesnt prove squat that its my debt and they also said something about a phone number which literally anyone can make up on the spot. I had crackheads living at this residence and i have no idea what kind of XXXX they pulled but they are now long gone. I can easily prove my identity was stolen as i have mountains of evidence, can they back that up with a mountain of evidence that its my debt? Nah they are just money hungry and dont care about my identity being stolen and they just want money one way or another well they certainly aint getting it from me as it is not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: CO

Complaint narrative:
TransUnion is reflecting an account *In Collection* by a XXXX XXXX XXXX ( Accnt no. XXXX for {$620.00} ) which appears to be a collection company. I filed a dispute advising that this account was not mine as I have no dealings with XXXX XXXX XXXX and do not know where or how this account originated. TransUnion returned the response in 4 days that the account was " verified as accurate '' but with no new information or indication what investigation into the dispute was done. 

All I want to know is where this account came from and how it ended up on my credit report.

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 2023-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My business ( XXXX XXXX XXXX XXXX ) is in the process of a buildout for a move to a new office location. XXXX is a vendor we've been working with. They are providing several things for our upcoming move. This transaction was related to the lighting for our XXXX XXXX. It is a division of XXXX called XXXX XXXX. My XXXX needed the products within the next couple of weeks so I needed to complete payment so they would ship the product. My contact at XXXX for this part of the project is XXXX XXXX. Also copied on the communication is someone at XXXX named XXXX XXXX. XXXX emailed me on XX/XX/XXXX to send the invoice and see if I had any questions before payment. XXXX minutes later I received another email that appeared to also be from XXXX XXXX. This one had the same display name, logos, and email signature, but apparently was fraudulent. The fraudulent email was even attached to the real email in the same email thread. This email asked to send ACH details. I responded that they could go ahead and send the ACH details, and the next email provided those details. Unfortunately, we did send the full amount, {$51000.00}, by wire transfer. We did not find out about the fraud until Friday, XX/XX/XXXX, when XXXX called our office asking about the payment. 
We have reported this to the XXXX police department, and have also filed it with the FBI at XXXX and have filed a report with the XXXX XXXX. We contacted our bank, XXXX XXXX, immediately when we realized the issue, and our banker tried to recall the funds but since it had been a couple weeks she was unable to recall them. She told us she was contacting the receiving bank, Chase Bank, to see if they can do anything but they could not or would not recover the funds. When I tried to call Chase Bank about this issue I was told they would not discuss it with me and would only communicate with my bank. I feel that since the person committing this crime was using a Chase Bank account to receive the money Chase Bank should be willing to find a way to recover the funds and help us. 

Thank you in advance for anything you may be able to do to help us recover this money. We are not part of one of the big national chains. We are an XXXX XXXX XXXX, so a financial loss of this amount is devastating to us. If there is any additional information that would be helpful do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: PA

Complaint narrative:
Accourding to the Fair credit act my inquires over 2 years should have been removed. I reviewed my reports and noticed the following inquires over two years still remain on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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:
Accourding to the Fair credit act my inquires over 2 years should have been removed. I reviewed my reports and noticed the following inquires over two years still remain on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MN

Complaint narrative:
My federal loans were transferred from Great Lakes to Nelnet in XX/XX/2023. Great Lakes informed me that " The transfer will not impact the existing status, terms, conditions, interest rate, or available repayment options ( such as income-driven repayment, deferment, or forbearance ) for your federal student loan ( s ). '' However, when I checked my loan terms in the Nelnet portal, I noticed that they have raised the interest rates on all of my federal loans. I have contacted them on XX/XX/2023 to complain and not yet heard back. 

I believe this to be a predatory and illegal act on the part of Nelnet to scam federal student loan holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I applied with XXXX they said it would be a soft pull so this was a manipulation tactic and un ethical

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 2023-07-15 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: NY

Complaint narrative:
When I applied with XXXX they said it would be a soft pull so this was a manipulation tactic and un ethical

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 2023-07-15 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: PA

Complaint narrative:
Accourding to the XXXX credit act my inquires over 2 years should have been removed. I reviewed my reports and noticed the following inquires over two years still remain on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was scammed by someone online posting to be a landlord of a place I was trying to rent from, I sent that person money through XXXX. I realized it was a scam right after and was trying to contact Chase Bank but they were closed. I called this morning to report the fraud and they said since it's a XXXX transaction they can't reimburse the fund to me, they can only file a report out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: MI

Complaint narrative:
I sent payment to the company and they sent it back I am on fixed income and they know it because I paying double and and because of that I am behind on my lot rent I pay {$600.00} every month Which is being sent to my lawyer and they refuse to cut me some slack all they do is yell and say bad things to me on my phone They are constantly threatening me and harassing me if I dont pay them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I visited multiple car lots to find car and they stated that they will only run my credit once but checked it an enormous amount of times. Which extremely negatively affected my credit report. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Leif Technologies Inc.
State: TN

Complaint narrative:
I signed up with a school called XXXX XXXX. I was told over the phone that the class I was taking only would be XXXX but it ended up resulting in XXXX. I was suppose to receive help from my school to get a job and to get help with the student services to help with my resume but no one ever replied back to me after I told them my frustrations for the school. They are now saying I have breached my contract when I was promised help with to get help from them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I was one of the victims of the Bank of America credit dard fraud. I have an email chain between myself and Bank of America, as well as phone conversations about a credit card that was opened in my name, and approved after I called BOA to state it was fraudulent.

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 2023-07-15 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XX/XX/2019 I received a l letter stating I had new electric services. I immediately called and canceled and advised that I did not open an account. I had been with XXXX XXXX  with no problem and would not and had no reason to switch. I have contacted XXXX for years. They stated I owe {$1100.00}. Finally after four years they sent me a letter showing what I was charged. They stated I had electric for XXXX days in XX/XX/2019, I advise multiple times I did not switch My company is XXXX XXXX. I have lived in this house for over XXXX  years my electric bill is normally between {$120.00} to {$230.00}. The higher amount in the summer months. The amount they said for XXXX days is outrageous. Anyone can see that is XXXX. Second on XXXX I was arrested because my XXXX yr was hitting me I held her down until police came. I was taken to XXXX  and because I did not have bond sat in XXXX until the beginning of XX/XX/2019 which means I wasn't even out to change my electric company. I have contacted them for years and disputed with them only saying I owe and no proof until this month when I threated with a lawyer and they is when they sent information stating I had there electric company from XX/XX/2019 until XX/XX/2019 which is impossible I was in XXXX one and two no way would I ever have a {$1200.00} electric bill for XXXX days my home barely would hit that number in XXXX  months let alone XXXX days. They are a fraudulent company I believe to be ripping people off and scamming them.

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