vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My checking account with XXXX  XXXX XXXX had cashed a forged check. The same day I tried paying my bill for Barclays, which did not go through. Since the payment was returned, I was charged a fee. However, this was due to my accounts fradulent activity that I had a negative balance and the payment was returned. Barclays will not return the fee.

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 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: NM

Complaint narrative:
I have received at least 3 phone calls from Receivable Management XXXX XXXX at ( XXXX ) XXXX, prompt 1, extension XXXX. The agent identifies as XXXX XXXX. The last call was XX/XX/XXXX. 

On XX/XX/XXXX, I received a form letter from The Receivable Management Services LLC stating they are a debt collector. The form letter stated I had a XXXX XXXX account and as of XX/XX/XXXX, I owed {$3900.00}. I have never had any account with XXXX XXXX. This debt is not mine. 

RMS also listed an account number for XXXX XXXX, and a reference number for The Receivable Management Services LLC. The RMS form states I have until XX/XX/XXXX, to dispute the debt, and stop collection on any disputed amount. 

Once again, I have had no dealings with XXXX XXXX and this debt is not mine.

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 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Escrow Account : My escrow balance is {$7600.00}. I received several tax bills and at first wasn't concerned knowing I have an escrow account. I was only concerned about the supplemental that I am responsible for outside of the annual taxes. Upon further investigation I realized that my taxes have not bee disbursed for the reassessed amount and the county is now charging a late fee. I will not pay this fee. It is the servicers responsibility to make sure those taxes are paid. I have made multiple attempts via phone to resolve this matter and by email. It is falling on deaf ears. It is the job of the servicing agent to make sure escrow accounts are disbursed correctly and timely. Being that I am experiencing this and I am in the business, it makes me question what other borrowers are a victim of this and how many have paid erroneous late fees because of poor accounting by this company. In addition I had initially paid the XXXX  as I knew it would be a supplemental later. Planet Mortgage sent a notice that they issued a refund. I have yet to receive this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Crypto.com has a XXXX debit card. I opened one and transferred {$300.00} to it. Now it shows only {$250.00} and I have not charged or used the card and there is no one from Crypto.com who can explain to me the missing {$50.00} or provide me with any documentation of it. Thus, I am hesitant to transact with them until the matter is fully resolved and explained. My customer service requests began on XX/XX/2022 and I have still not gotten any resolution or explanation of the missing {$50.00}. They respond with generic boilerplate messgaes that the matter has been assigned to " the relevant team '' and to please be patient. Several weeks have elapsed, with no explanation and the balance is still {$50.00} short. 

Also frustrating is that they offer no phone number for customer service. Maybe you need to be a very large customer to be entitled to a phone number. Only " chats, '' and emails or texts for the " rest of us, '' which all appear to be the same few representatives. I suspect that the response is really not a human being, but some artificial intelligence bot that responds based on the key words to make customers believe they are being helped. The phrases " no worries, '' " I remain available, '' and " please be patient '' are in almost all of the recent responses from this A.I. customer service bot. If it's a live person, then they monotonously use and reuse the same tired phrases over and over that they were told to use by the company to make customers believe they are doing something, when they are really just stalling and wearing down the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX DELAWARE Docket # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have filed a police report and a CFPB complaint about several issues that were never addressed concerning unknown or dubious addresses and accounts listed on my credit report. I have found the following unknown accounts : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I would like to request a PIN and Security freeze until I can get this reinvestigation started.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested that the CRA remove all old addresses and variations of the spelling of my name to show a complete and accurate consumer report. The correct and accurate name should show as XXXX XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX GA XXXX. I have enclosed a copy of my drivers license and a copy of a current utility bill as proof of my residence address, please remove address XXXX XXXX XXXX XXXX XXXX GA XXXX as shown on my credit report dated XX/XX/XXXX, as I have not lived there for quite some time, and since many other people have been using address XXXX XXXX XXXX XXXX XXXX GA XXXX in the years since I was there, I am concerned that the reporting of this address on my current report may create an opportunity for identity theft as I have a fairly common name.

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 2022-03-23 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: TX

Complaint narrative:
I sent my dispute to TransUnion on XXXX XXXX XXXX, online for them to investigate. They came back and said my dispute came back verified on XXXX and told me that the information would remain on my credit report. The information that I was disputing was from the public records section of my credit report ; the File Number : XXXX. The date generated was XX/XX/XXXX. The company got its information from XXXX. The data was removed because they could not verify the data from the court, so they deleted it from my XXXX report, and they sent me the results that I will attach with this complaint. How can you verify something, not on the company report that you get the information from to verify the 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 2022-03-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Below are the following accounts that I've made numerous disputes on and ask to remove these from my credit report. I've reached out to the companies as well and still, they have not responded and it's been over 30 days. I have no knowledge of these accounts and would like them removed from my credit report expeditiously. Due to these items on my credit report, I have not been able to get loans and my family has been facing severe hardship. Also, my credit report has drop significantly. 

XXXX ( account open on XX/XX/XXXX ) Account # : XXXX- {$250.00} XXXX  ( account opened on XX/XX/XXXX ) Account # : XXXX- {$89.00} XXXX  ( account opened on XX/XX/XXXX ) Account # : XXXX {$19.00} Preferred Lease ( account opened XX/XX/XXXX ) Account # : {$6300.00} XXXX XXXX -Account # XXXX XXXX ( account opened on XX/XX/XXXX ) Account # XXXX {$400.00}

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 2022-03-23 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.

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 2022-03-23 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: FL

Complaint narrative:
XXXX XXXXXXXX account number # XXXX Closed account Incorrect information reporting I have never signed documents to receive a XXXX XXXX credit card and they are reporting negative information to credit bureaus Ive tried to reach out to your customer service with no help as well as 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 2022-03-23 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: NV

Complaint narrative:
According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below.

- Date opened has two different dates

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 2022-03-23 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:
Too many times i had been writing and emailing to the bureaus about the accounts i am complaining. They should not be in my report. I have late payments and unauthorized inquiries that were places there illegally.

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 2022-03-23 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: NV

Complaint narrative:
According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below.

-Date opened has different dates -last reported has different dates - date of last activity has different dates - date of last payment has different dates

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I became a victim of identity theft on XX/XX/XXXX as a result of the Equifax breach. I created an Identity Theft Report with the Federal Trade Commission, filed a police report, disputed a XXXX XXXX XXXX  loan made without my authorization with XXXX who was the only credit reporting agency that XXXX did a credit inquiry with. I had already placed an initial fraud alert with all credit reporting agencies as a result of the breach that reflected my personal info was involved. XXXX approved the loan regardless of this fraud alert. 

In XX/XX/XXXX, I requested an extended fraud alert placed on my credit files on all XXXX credit reporting agencies. I provided all the required documentation. XXXX and XXXX readily complied with my request. Equifax is the only one that has not complied. I have submitted by mail twice with Equifax providing all the documents requested and they claim that they didn't receive the first request and the 2nd request, they are treating as a dispute not as a request for extended fraud alert even though the form I submitted is a fraud alert request. I need assistance in getting Equifax to comply with my request for an extended alert since their breach caused my identity to be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: FL

Complaint narrative:
XXXX  XXXX account number # XXXX Closed account Incorrect information reporting I have never signed documents to receive a XXXX XXXX credit card and they are reporting negative information to credit bureaus Ive tried to reach out to your customer service with no help as well as XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: FL

Complaint narrative:
XXXX XXXXXXXX account number # XXXX Closed account Incorrect information reporting I have never signed documents to receive a XXXX XXXX credit card and they are reporting negative information to credit bureaus Ive tried to reach out to your customer service with no help as well as XXXX XXXXXXXX

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 2022-03-23 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: NV

Complaint narrative:
According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below.

- Date opened has two different dates

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 2022-03-23 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Too many times i had been writing and emailing to the bureaus about the accounts i am complaining. They should not be in my report. I have late payments and unauthorized inquiries that were places there illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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:
Too many times i had been writing and emailing to the bureaus about the accounts i am complaining. They should not be in my report. I have late payments and unauthorized inquiries that were places there illegally.

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 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On or about XX/XX/XXXX I entered into an agreement with Chase bank to refinance my mortgage that I have with Chasebefore making any commitments it was understood that I had filed bankruptcy in XXXX and my mortgage had been dischargedIve never moved from the property and I have been paying my house note consistentlyChase had me enter into a non refundable deposit agreement for {$500.00} only to deny my loan because my mortgage was dischargedthey had me attempting to obtain a reaffirmation agreement for a loan that had been discharged for over seven yearsI feel Chase didnt need for me to commit my {$500.00} if they knew they were not going to allow me to refinance because of my mortgage being dischargedfurther more by allowing me to refinance that would have effectively reaffirmed the loanevery other part of the process was complete only for them to get to the end to deny my loan because of my bankruptcy information that I shared with them before they ran my creditI have refinanced with another lender so Chase is getting their moneyI want my {$500.00} back because Chase should have had everything they needed to know about me BEFORE they had me commit my moneythey already knew what their policy was but I had to commit my money to find out and thats not fair BIG BANK takes little bank every timeI DID NOT WITHDRAW MY APPLICATION and THE DOCUMENTS THEY WANTED ME TO PROVIDE WERE NOT ATTAINABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief