vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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 the ( Consumer ) sent in a letter to verify the accuracy of accounts on my report. I have not received any information in the mail I understand its Covid going on but I am trying to Finance for a new car and I have some inaccurate information on my credit report. I sent my first Letter XX/XX/2021. I then set my second letter XX/XX/XXXX still no response. I then sent my third letter to Demand A response still no letter this is why I am contacting you guys. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also under 15 US Code 1681 congressional finding and statement of purpose A ) Accuracy and fairness of credit report Accuracy means everything is correct. 
Fairness means no one is taking unjust advantage of another. 

The banking system is dependent upon a fair in accurate credit reporting in accurate credit reports directly impairs the enfishcentcy of the banking system unfair credit reporting methods undermines the public confidence which Essential to continue functioning of the banking system. 

The inaccuracy on my report does not benifits me. There is no Equity for me. 

As consumer i have the right to privacy. Anything arise from my credit card should not b included on my credit report. 

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be Block and removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal blocked my account for no reason i am a XXXX and use paypal just for my everyday hard earned money to get paid i dont have any options for get my earned morunning again.ney to transfer i will be thankful to get my problem solved and get my account that is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CT

Complaint narrative:
I've continued to sustain damages due to unauthorized accounts opened by Wells Fargo reps which include inability to open deposit accounts with financial institutions such as XXXX XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX to name a few. Additionally, I've lost potential interest on these accounts, due to inability to open them. I was offered a remediation settlement amount of {$3700.00} by XXXX XXXX with Wells Fargo remediation in XXXX of XXXX for damages caused, which I just detailed. To date, no payment received, numerous prior CFPB complaints filed in re, unresolved/unaddressed. An affidavit was filled out in regard to supposed payment sent, intercepted, cashed by a third party. The matter was investigated, funds returned to Wells Fargo, a second check supposedly reissued after I moved from prior address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Payment was supposedly sent in XXXX or XX/XX/XXXX, I moved in XX/XX/XXXX to my current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo reps including a XXXX have replied to this issue by verifying address payment sent to in which case anything sent to old address by XXXX, XXXX, would not be received. A signature decline is also referenced which I am unaware of, the Wells Fargo rep I dealt with insisted on a signature for package which contained check reissue. No packages received from XXXX, XXXX which require signature to date, including to current address. It appears any check sent to prior address was intercepted, cashed by another party, if show cashed. Further, a mediation offer amount of {$500.00} plus estimated IRS taxes not received, also sent to old address. It appears Wells Fargo reps are attempting to claim address verified is a release of funds owed, which it is not. Further, neither payment amount, {$3700.00} or {$500.00}, cover damages sustained to this date from these unauthorized accounts. In closing, please forward this complaint to another Wells Fargo rep other than XXXX, this rep continually refers back to address verified which does not address missing payments

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 2021-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I am having a very difficult time with BSI Financial Services. I have a VA loan from being a Veteran with the XXXX XXXX. I am a XXXX veteran. I lost my job right before the COVID 19 pandemic. During the pandemic BSI told me they could help with a forbearance. Now that the pandemic is ending and me and my family are recovering from the COVID pandemic we applied for a loan modification. We were declined stating we didnt make 12 consecutive payments. BSI never mentioned this to us and has put us in a foreclosure situation. They are acting like predatory lenders, and not being honest. 

I spoke to XXXX XXXX at BSI and she said she would request a over rule. The underwriter declined with BSI again. BUT I spoke to the VA Department with XXXX XXXX, she said the VA would over ride the rule if requested. But the underwriter with BSI never contacted or requested. The VA loan # is XXXX. XXXX XXXX phone # is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: GA

Complaint narrative:
I have requested my report to have one name, one address and one employer. I have sent off letters and inaccurate information is still on my 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 explanation
Consumer complaint received 2021-06-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from JPMCB CARD that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. On XX/XX/XXXX, I received a letter from them stating that they had verify the account, see attach, but they did not provide me with the requested information that was used to verify the accuracy of account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that JPMCB CARD is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Since XXXX, XXXX XXXX XXXX has been trying to say, that this debt was mine. It is not. I only found out about the debt after it appeared on my credit bureau. Because it never belonged to me, it never came to my address. In or around XXXX, I started seeing this collection from XXXX XXXX XXXX. I despites it with XXXX XXXX, and it was resolved. Then 6 months later, they sent it to another collection company. And they reported it to XXXX. I disputed it, and there it was also resolved and removed. Then another collection agency got the file and Experian reported it. I again disputed it and was successful. Then again another credit agency reported it and Experian once again adds it again to my credit file. After they already took it off a few months prior. I am repeatedly disputing the same charge from XXXX XXXX XXXX. Now Experian says the collection company certified their collection. This cant be possible, as I have never lived at the address of this dispute. I have never even lived in the city. This is not my debt. I moved in with my boyfriend in XXXX of XXXX. After I rented my home in XXXX. I have not had electric service since I moved. XXXX XXXX XXXX transferred the service to the renter, and closed my account and returned my deposit and I do have a receipt showing it was paid in full. I sent that to XXXX and have had no problems with them regarding this issue. There is no way they can certify this debt is mine, because I know I moved from my XXXX house to my XXXX house. I bought the house in XX/XX/XXXX and I rented my XXXX house in XXXX of XXXX. XX/XX/XXXX, was the last time I had electric service in my name. This has already been disputed and resolved numerous times and I should not have to repeatedly dispute the same collection just because they moved to a different collection agency.

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 2021-06-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I have been a Chase Private Client customer for approximately 6yrs. I have taken great pride in my relationship with Chase. Approximately 6 most ago when I opened my business account, based on anticipated revenues, I was escalated to Chase Private Banking. During the account opening process I was screened no less than 3 times as to the anticipated use of this account and the source from which funds would be received. This is where the apparent issue germinated. I associated this account with my Attorney 's Chase Bank XXXX XXXX account - in that it was expected that 90+ % of all my inbound funds to this account would come from that trust account. 

My attorney notified me on XX/XX/XXXX that his bank office had called him to inform him that Chase would be closing his trust account. No reason given. The next day I was contacted by my Private bank officer and notified that due to no fault on my part, but rather " guilt by association '' my accounts, BOTH personal and business would be closed and Chase 's relationship with me terminated permanently. 

I have 5 family members with joint chase accounts with me ( at the recommendation of chase private client bank officers ) to allow them to take advantage of that product. Now for no reason given, ALL personal accounts with my name on them are to be closed by XX/XX/XXXX and the business account by XX/XX/XXXX. A side note of insult is that I've emptied all those accounts, but Chase is now posting service fee monthly of {$95.00} to the business account ... which I will NOT pay. 

This behavior is unconscionable. There is no customer more willing to be compliant or transparent. Yet without warning, and in fact, WITHOUT CAUSE of any kind - I am being summarily dismissed with ZERO recourse or accountability by the bank because their " fine print '' states that they may close any account at any time for any reason. I have a saying I've used in business with executives often about to take an action that will ultimately hurt them - " just because you CAN do something, doesn't mean that you should ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15 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: VA

Complaint narrative:
In XX/XX/2021, I requested Transunion to investigate an unjustified 12 point drop in my score which dropped my score from XXXX to XXXX. The 12-point drop occurred after a credit card debt and utilization DECREASE. I thoroughly investigated my report to determine the reason for the drop but there was no legitimate justification. After asking Transunion to investigate and correct this error, they, instead, removed the account without my permission resulting in a 36 point decrease lowering my current score to 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 2021-06-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
please review the following accounts that appear on my credit report without any authorization XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXXXXXX XXXX  Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TX

Complaint narrative:
I sent a letter to TransUnion dated XX/XX/2021 requesting the accounts showing on my credit report for XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX XXXX be validated or removed from my credit report. The items continued to report the following month after TransUnion 's 30 day investigation. I sent another letter dated XX/XX/2021 requesting verifiable proof of the accounts that were showing on my credit report for the accounts listed as XXXX XXXX, XXXX  XXXX, XXXX/XXXX, XXXX XXXX, and XXXX XXXX. In the letter dated XX/XX/2021 I also requested the original contract with my signature be provided to me to show I am responsible for these alleged debts as I am entitled to receive according to the FCRA under Section 609. As of today, XX/XX/2021, I have not received anything in writing to show verifiable proof that I am responsible for the accounts showing for XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX XXXX on my credit report. Without proof and my signature to show I am responsible for these alleged debts, TransUnion is allowing anyone to furnish them with information stating it is about me and alleging to be my debt. TransUnion has violated my consumer rights by reporting this unverifiable information 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 explanation
Consumer complaint received 2021-06-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. On XX/XX/XXXX, I received a letter from them stating that they had verify the account, see attach, but they did not provide me with the requested information that was used to verify the accuracy of account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2021 I sent out 609 letters to all three credit bureau in request to investigate, validate, and remove the accounts in dispute ( see later ). In doing so, I requested a report with in 30 days due to federal law and have not received any response from either credit bureau. My inability to be able to obtain credit has altered my life. i am not able to get a car in my name, a home for myself or maybe even help starting my XXXX  to better my lifestyle due to the reports to my credit. I have attached all three copies of my 609 letter 's to show proof of contacting each party. I wished not to go to these measures however it was necessary. because i am struggling to build credit and can not be approved for any credit building cards or opportunities. All company information involved ( see attachments ).

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 2021-06-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2021 I sent out 609 letters to all three credit bureau in request to investigate, validate, and remove the accounts in dispute ( see later ). In doing so, I requested a report with in 30 days due to federal law and have not received any response from either credit bureau. My inability to be able to obtain credit has altered my life. i am not able to get a car in my name, a home for myself or maybe even help starting my XXXX  to better my lifestyle due to the reports to my credit. I have attached all three copies of my 609 letter 's to show proof of contacting each party. I wished not to go to these measures however it was necessary. because i am struggling to build credit and can not be approved for any credit building cards or opportunities. All company information involved ( see attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I have attempted to resolve this account with the creditor directly because this isn't a balance that is owed. Creditor sold this to XXXX XXXX XXXX which is not a balance that is owed. The account was closed at XXXX balance.

Company response to consumer: Closed with explanation