vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: MI

Complaint narrative:
An account/tradeline exists as XXXX in my credit files that is wholly inaccurate and contains false/misleading information. The referenced account appears beginning XX/XX/XXXX at which point the first entry alleges a payment was late by one-hundred twenty ( 120 ) days. The account then begins reporting as one-hundred fifty ( 150 ) days past-due in XX/XX/XXXX. By XX/XX/XXXX the account begins 180 days past-due with at least one ( 1 ) of the three major CRAs. Yet, the furnisher of the information acknowledges that they did not begin contacting me until XX/XX/XXXX. The account is reporting as credit with a term of one ( 1 ) month. Yet, the account is not for a revolving loan or a loan product with terms of one ( 1 ) month. Moreover, the servicer for this alleged account has provided false/misleading information required to even check the balance of the alleged account -- the data furnisher is aware of this. I have been denied access to housing based upon this payment history.

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 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase bank closed all of my accounts and wont give me a reason why. my partner and i both were targeted by this closure. they said they chose to end their banking relationship with us. we are a XXXX couple and don't understand why case would do this because they won't give us any information. we already tried to go to the Office of Comptroller of the Currency, and they suggested we go to you. I would prefer this be handled by my attorney XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX Hi. Can you please send the original contract with my signature on it and the address and phone number. Also the payment history. Please take off of my credit immediately thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I have sent in legal tender multiple times and Citicard accepts the special deposit, then they reverse the credit and do something called " private placement '' because I didn't send them a " registered security ''. In doing so, Citicard fell out of honor, and in an attempt to correct the situation I sent them a {$100000.00} registered security. Citicard just stole that as well, and did NOT apply anything to the account. 

I sent them a U.C.C. 1 claiming the contract. 
I sent them a U.C.C. 3 assigning Citicard to perform I sent them a Bureau of Fiscal services form 233 giving them POA to receive and apply payments I sent them a hand written letter explaining the facts. 

I have yet to come to a resolution, I lay this situation at your feet.

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 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
This is a follow-up to Complaint ID XXXX In the request noted above, the collections company XXXX XXXX removed the dept from my credit history after realizing XXXX sent that in error. 

On XXXX XXXX sent the same debt that was initially removed by XXXX to a new creditor called Southwest Credit Systems. We are again disputing this collections attempt as this collection is not accurate. XXXX has no re-attempted to get this same {$110.00} charge sent to collections which has caused by Credit score to drop from the 800 's to the 690 's which is unacceptable. If this happens again we will need to take both the credits or comcast to court. Please see the information below copied from the initial complaint ID : I ended my account with XXXX in XXXX of 2020 and returned my equipment in-store, closing the account and paying the final bill in full. In XXXX of 2020, I contacted XXXX again because I received another bill, and confirmed via phone that the equipment was returned and the account was again confirmed to be closed. At a later time, a debt collector XXXX XXXX XXXX said they were collecting a payment of {$110.00} for the account that was past due. Since I had moved to a new location, I never received any mail notifications or e-mails regarding this instance. I contacted XXXX and they confirmed in my account notes that equipment had been returned and that there was an unjust balance on the account, but they were unable to close the instance with XXXX XXXX since it had been reported already on my credit. I contacted XXXX XXXX, notifying them of the instance with XXXX and informing them that I would submit an XXXX dispute. I submit the XXXX dispute but learned today that the dispute was rejected so I am filing a complaint through the CFPB to get it removed from my collections and credit history. I have attached the XXXX and XX/XX/2020 bills, showing a {$0.00} balance at the start of XXXX and then Service charges for both XXXX and XXXX. I contacted XXXX in XXXX where they said they would fully credit and close the account, but the invoice shows they only provided back partial credits on the instance which resulted in a misbilled balance of around {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: FL

Complaint narrative:
I recently reached out to XXXX found errors on XXXX pertaining to my report that is incorrect do to the law 15U.S.C 1681. I demand to see proof and the original contract with my signature.XXXX  failed to positively verify these accounts & has hurt my ability to obtain credit.. under FCRA UNVERIFIED accounts must be REMOVED if unable to provide me a copy of verifiable proof! WITHOUT a copy of the original contract with my wet signature.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've contacted Transunion to request a copy of my credit report and score on XX/XX/2023. I only received a copy of my credit report without the score. I attempted to contact Transunion back requesting a copy of my my score since I never received it. and I was told that because it is a second request that I would have to pay to get a copy of my score, even though I never received it upon the first request.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

15 U.S.C 1681 SECTION 602 A . STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A. ALSO STATES THAT A CONSUMER REPORTING ANGENCY CANNOT FURNISHA ACCOUNT WITHOUT MY WRITTEN PERMISSION

15 U.S.C 1681C(A) (5) SECTION STATES: NO CONSUMER REPORTING AGENCYMAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE INFORMATION,OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681-2(A) (1) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TI A CONSUMER TO ANY CONSUMER REPORTING AGENCY OF THE PERSON KNOWS OR HAS CAUSE TO BELIEVE THAT THE INFORMATION TO BE INACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
I have new and updated information regarding complaint number XXXX. Dunlap Gardiner LLP uses false and misleading information in its attempt to collect this alleged debt by use of an unlawful, yet unenforceable contractual agreement. Dunlap Gardiner LLP misuses the covenants defined terminology owner as an attempt to deceive the reader. The term owner as defined within the attached covenants identified the following entities : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX as the only owners that are bound by this agreement in which was made. Dunlap Gardiner LLP deceptively identified me as an owner to falsely claim that I am bound by the referenced declaration in which I was not a party to nor agreed to. This latest response in its entirety, Dunlap Gardiner LLP and its client admitted to committing fraud with statements such as : The owner is bound by the Declaration, regardless of whether he signed any documents at the time of purchase of the lot and the purchaser is charged with legal notice of the covenant, even if it is not stated in his own deed. Dunlap Gardiner LLP and its client willingly admitted to Fraud in the Inducement in which occurs when a person tricks another person into an agreement to ones own disadvantage by using fraudulent statements, and representations. Because fraud negates the meeting of the minds a requirement for any contractual agreement, and any contractual agreement made by fraud, is immediately voidable. The injured party can seek damages or terminate the predatory contract. Dunlap Gardiner LLP and its clients harassing attempts to enforce the terms of an unlawful and unenforceable contract by coercing payment and making threats to take personal property if one does not receive said payments is in fact extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Transunion refuses to give me access to my personal credit information in order to report incorrect 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 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have an account with XXXX. I am a customer in XXXX. Had no problem until last Thursday XXXX XXXX where out of nowhere they stopped me accessing my account! No call, no email nothing. This of course has left me with a lot of stress and problems. They have my money in that account and I have no other funds! I have called and sent lots of messages to be told on every occasion the same thing.to be patient and wait to be contacted! This is easier said than done when you are a XXXX lady with no access to any money to live off. They have also stopped my scheduled bills which has caused me problems with the companies concerned. I have begged and pleaded with this company to ask them to call me so what ever the issue is can be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
We have used mobile deposit for years and made very large deposits. We deposited a check on Sunday and it should have been available today. It was not. 
This is unacceptable. We called the bank customer service as well as the branch and every person let us know there was nothing they could do, saying things like I will get a manager but like I said we can not call to verify funds, etc .... how is this customer service? Its our money not the banks money. 
We also asked why the check was being held, no one could verify why and if there was a funds issue on the other end because its all " electronic ''. 
Well then you should be able to see electronically what the issue is, its a lie they know and they should be able to call and we will be closing our account. 
We want this resolved immediately. It does NOT take eight days to figure out if a check can clear on electronic systems. What a racket to collect interest on peoples deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My Experian credit report still shows that I have a XXXX XXXX credit card that was settled back in 2015 I need experian to remove this account from my profile or report as per XXXX XXXX credit department advised me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: IL

Complaint narrative:
I am filing this dispute regarding XXXX, Experian, and XXXX Credit Bureaus from XX/XX/2022. I submitted substantial documentations that all Credit Accounts on my account as PIF with proof of payments for each with a 1099C. The accounts were never resolved and after exhausting all other resources, I have been forced to complain against these agencies again. 

I also filed a complaint with your agency and never received a response or a resolution so this is also my second attempt with your agency. 

I wish for this to be resolved asap as it has caused substantial harm to myself as well as my potential in obtaining more credit with better rates/contracts. 

I have also requested all eroneous information regarding inquiries/wrong address information be removed or updated. Requests were not honored causing further harm to me per my inability to obtain more credit with better rates/contracts.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This complaint is against Transunion Credit Reporting Agency. I have tried on recent occassions and as late as XX/XX/2022 to request an update on all eroneous accounts that have been resolved with proof of 1099C filings. I have sent in the copy to Transunion via Certified Mail, and the issue was never resolved or updated. All Credit Profiles on my account are incorrect in outstanding balance, payment history, as well as inquiries ( which violates FCRA Regulations ). 

I had also requested that your agency resolve my concerns and that request was never honored as well. This has caused great harm to myself and my ability to obtain credit in the future.

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 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Upon doing my taxes for the XXXX  year, I discovered that someone had gained access to my account and began stealing small increments of money via purchases to the XXXX  store linked with my XXXX account. Upon discovery I immediately contacted Bank of America. Having been a client of this institute for 17 years I was assured that due to the {$0.00} liability fraud guarantee I would have my claim investigated and at the very least credited back my stolen funds. 

Log in to Online Banking to report your lost or stolen card. We'll cancel your card and send you a replacement immediately. Remember, you're covered by our {$0.00} Liability Guarantee, so you won't be liable for any unauthorized charges or activity. 

After attempting to establish the claim, I had to call in numerous times. Bank of America had not only setup incorrect claims with the incorrect merchants multiple times, which resulted in multiple claims being opened. After finally having my claim started, it was denied due to the merchant sending very irrelevant evidence that Bank of America used without context to my claim. ( the evidence being that I linked my bank account to my XXXX account seven years ago ). This was not my issue, it is that someone GAINED access to the account and began using it as their own. 

After submitting my evidence to support my claim; consisting of XXXX refunding dozens of charges already, Bank of America reopened my claim and had also refunded me approx. 10 claims worth of charges amounting to {$300.00}. They have since stopped refunding the rest of the charges. I have since called multiple times, asked for supervisors, asked for clarification but it seems there are shay practices going on. Im being transferred to different people, different departments, my notes are locked or I cant view this and being told this is odd I cant see these details further this is handled by a back office - and nobody can give me details. This is going on three months with no information. 

It seems Bank of America is lying and not honoring its fraud protection for a client, a 17 year client with no such events such as this. I am pleading for the investigation into these shady and deceptive practices as I am now a victim of fraud for over {$2000.00} with no help from my banking institute dispute its guarantee to its protection of my funds.

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 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo will not correct the second mortgage showing on my title and they have been avoiding it for over 15 years. This time they are trying to blame it on another bank, XXXX XXXX XXXX. I want this corrected. I have never had a second mortgage.

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 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I paid off my home mortgage on XX/XX/XXXX. The mortgage company owes me back the remaining sum in my escrow account, plus an extra mortgage payment that they took on XX/XX/XXXX. They are claiming that they need 4 weeks of " processing time '' to issue me my refund check. This is basically holding on to money that is not theirs for an unreasonable amount of time. These refunds should be processed in a matter of a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation