vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: IQOR US INC
State: KY

Complaint narrative:
XXXX XXXX was discontinued by me voluntarily, they sent a box for the equipment to be sent back, that equipment box was never delivered to my home to be sent back, therefore I was charged the amount of the receiver boxes. Multiple attempts made to dish and request to speak to manager to request the box and after 30 days they basically refused to send a box for tlreturn of equipment, I still have the equipment but the company turned it over to collections and will not speak to me as I don't have an open account. I will pay the amount due and owed after they take the equipment back and adjust for the equipment return, the bill remaining would be under XXXX dollars, I would gladly take care of this if they would take the equipment and adjust the bill as it was agreed on the day it was discontinued 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 explanation
Consumer complaint received 2022-11-28 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: GA

Complaint narrative:
I submitted a dispute on XXXX XXXX in regards to some inquiries that is showing up on my credit report. Experian did not do a thorough investigation in regards to my dispute. They notified me within minutes that my dispute items was valid without any real investigation. When I called to question the validity of their investigation. I was informed that they dont dispute inquiries.

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 2022-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: FL

Complaint narrative:
My account was closed with no explanation and now I can't get into it or open a new account and I would much like to use chime over XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I RECONIZED UNAUTHURIZED INQURIES ON MY CREDIT REPORT XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 TransUnion I HAVE SENT LETTERS OUT TO VERIFY ANY OPEN ACCOUNTS AND THERE ARE NONE TO DISPUTE PLEASE REMOVE INQURY OR VERIFY ACCOUNTS

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I RECONIZED UNAUTHURIZED INQURIES ON MY CREDIT REPORT XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  Personal Loan Companies XX/XX/2022 Experian XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX I HAVE SENT LETTERS OUT TO VERIFY ANY OPEN ACCOUNTS AND THERE ARE NONE TO DISPUTE PLEASE REMOVE INQURY OR VERIFY ACCOUNTS

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 2022-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Respected Officials, I noticed a credit of {$48.00} issued for a dispute I opened with Bank of America. But I received a notification on my mobile saying an extra XXXX cents were credited. I don't know why they credited the extra money. I want them to take it back. 

Claim number : XXXX Even though I indicated that my house hold has 3 members, my son is out of state enrolled in a university. But he is officially a resident of California as he is not XXXX yet. 

Thanks 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 2022-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR

Complaint narrative:
I had a problem with Carrington Morage Company. I was sent a letter for forbearance during the beginning of Covid. I called and was told I would have to pay all at once when forbearance was over and was told it would not be a good option or if I don't have it I go into foreclosure. This wasn't correct. There was Care act which I qualify for. This has decreased my health tremendously trying to make these payments.i have stressed and struggled. Carrington offered me no other solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: TX

Complaint narrative:
In accordance with Fair credit Reporting act. The Account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name XXXX XXXX OF XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have right to privacy 15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is in accurate.

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 2022-11-27 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: NC

Complaint narrative:
I submitted a complaint earlier this XXXX about addresses being incorrect on all of my reports ( XXXX, TransUnion, XXXX ). Instead of updating the address on the reports, I received a letter from CFPB stating that the complaint was submitted by someone not me even thought I supplied identification in the complaint as an attachment. Please make the corrections as asked before because I don't know who the other addresses belong to. I needed this done XXXX XXXX ago.

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 2022-11-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a complaint earlier this XXXX about addresses being incorrect on all of my reports ( XXXX, XXXX, Equifax ). Instead of updating the address on the reports, I received a letter from CFPB stating that the complaint was submitted by someone not me even thought I supplied identification in the complaint as an attachment. Please make the corrections as asked before because I don't know who the other addresses belong to. I needed this done XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have been a victim of identity theft. As a result, fraudulent, inaccurate information has been added to my report. The following accounts have violated my consumer rights according to XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX ). 

Companies/Accounts XXXXXXXX XXXX XXXX XXXX XXXX  ( reporting a balance of XXXX ) I demand these accounts be REMOVED AT ONCE XXXXXXXX XXXX XXXX XXXX XXXX - Explains identity theft and accounts reporting. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX- Explains I have the right to pravicy when it comes to what is being reported on my credit. 
XXXXXXXX XXXX XXXXXXXX ( A ) ( XXXX ) - Explains no one can furnish any information on my credit report without my consent. If i have reasonable belief that account is fraudulent is must be removed. 
I am seeking litigation and results at once. I am asking also that all information regarding these accounts be sent to my address on file. I am seeking ALL DOCS including Docs containing my ORIGINAL SIGNATURE used to open this account. If companies can not produce I will seek litigation on my personal behalf, these to accounts have been ruining my life for a long time. 

Sincerely- 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 2022-11-27 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have been a victim of identity theft. As a result, fraudulent, inaccurate information has been added to my report. The following accounts have violated my consumer rights according to XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX ). 

Companies/Accounts XXXXXXXX XXXX XXXX XXXX XXXX  ( reporting a balance of XXXX ) I demand these accounts be REMOVED AT ONCE XXXX XXXX XXXXXXXX XXXX XXXX  - Explains identity theft and accounts reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX- Explains I have the right to pravicy when it comes to what is being reported on my credit. 
XXXXXXXX XXXX XXXXXXXX ( A ) ( XXXX ) - Explains no one can furnish any information on my credit report without my consent. If i have reasonable belief that account is fraudulent is must be removed. 
I am seeking litigation and results at once. I am asking also that all information regarding these accounts be sent to my address on file. I am seeking ALL DOCS including Docs containing my ORIGINAL SIGNATURE used to open this account. If companies can not produce I will seek litigation on my personal behalf, these to accounts have been ruining my life for a long time. 

Sincerely- 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 2022-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: VA

Complaint narrative:
I received a pre-paid XXXX debit card for {$100.00} as a gift. I followed the instructions and registered the gift online at the company 's website. The website is XXXX, phone number XXXX. I entered my name and mailing address when registering the card. I also called the number above and set a PIN. 

I have tried multiple times to use this card online through sites like XXXX but it keeps getting rejected by the retailer. It says the payment method is invalid. 

I tried calling the number above to speak to someone to resolve the issue but there it is just a recorded menu system and there is no live human to speak with.

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 2022-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a case I already started with Chase Bank on this website. Chase has already closed the case although, nothing was resolved. Chase has been a nightmare and miscalculated my escrow over {$9400.00}. I asked to be removed off of escrow with Chase bank, which, regretfully they are denying even though they have miscalculated my escrow. Chase told me that they asked a third party investor called XXXX XXXX, and that they are denying the removal of my escrow. Which is a lie. XXXX XXXX handles my PMI not my escrow. Chase is in charge of escrow considering all checks for escrow are taken by chase not XXXX XXXX. Regardless, Chase will blame everyone else and will not take any accountability on their actions. Chase put a response up on the CFPB website stating that Im at roughly XXXX XXXX XXXX and if I bring it down to XXXX XXXX that XXXX XXXX may consider the removal of PMI on my loan. Which will lead to Chase possibly removing my escrow. Chase never explained any of this to me. However, I read the full statement on CFPB. I immediately began the process of PMI removal for some odd reason I thought I was much further than they had mentioned. Chase just sent me a letter and it again has miscalculated information then what was posted on the CFPB. Chase mentioned I needed my loan to get to roughly {$660000.00} on the CFPB. I received a letter from Chase today stating I need to bring my loan down to {$610000.00}. Yet again Chase is making errors and confusing my situation. I am still waiting for a manager who apparently was well aware of this situation but has had me waiting almost a week for answers. I am still trying to get Chase removed from my escrow. Although they have denied me several times. They have been a nightmare. I need to handle my own finances thats all I ask for. I also really need to know where my XXXX is? Just awful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : Creditor Name : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/2022 my card was stolen and multiple transactions were made on my card. The total in fraudulent charges was {$380.00}. I filed a claim that they declined, they said that I had to submit another claim which I did and they still declined. There were XXXX transactions a quick trip in the amount of a {$200.00} on XX/XX/XXXX XXXX on XX/XX/XXXX in the amount of {$15.00}, {$10.00} and {$2.00} also XXXX XXXX XXXX for the amount of {$32.00} and {$10.00} and at XXXX 's for {$9.00} I filed a police report which I emailed to them and they still declined this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter to Equifax about unauthorized inquiries & accounts on my credit report with proper identification. 
After speaking with a representative by phone I was instructed to send an FTC Report with my letter and identification in order for them to be removed. 
XX/XX/2022, I sent another dispute letter with an FTC report about the existing unauthorized inquiries that were still present on my credit report. 
In XXXX of XXXX, I spoke to another representative and was instructed to insured that the inquiries were listed in the " Accounts Affected '' column of the FTC Report to have them removed. 
On XX/XX/XXXX, I sent an updated FTC Report, proper identification, a letter instructing Equifax to remove these unauthorized inquiries from my report, and their duties as a consumer reporting agency under 15 USC 1681 and they still have not done so. Equifax has stated that the information has came back as verified but not given exact information or communication that was given to prove it was actually verified. They have had a history of not really reinvestigating the information furnished on reports after being disputed and I am suspecting fraudulent activities on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX XXXX : XX/XX/1991 Last XXXX of XXXX : XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX To whom it may concern I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : Creditor Name : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: NC

Complaint narrative:
I submitted a complaint earlier this month about addresses being incorrect on all of my reports ( Experian, XXXX, XXXX ). Instead of updating the address on the reports, I received a letter from CFPB stating that the complaint was submitted by someone not me even thought I supplied identification in the complaint as an attachment. Please make the corrections as asked before because I don't know who the other addresses belong to. I needed this done 30 days ago.

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 2022-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account XXXX # XXXX has violated my rights.

15USC 1681 section 602 states i have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After review of my credit reports, I have found numerous inquiries that I did not authorize. Therefore, I have filed a POLICE REPORT. & A report with Identity Theft.com. These inquiries should be removed from my credit report ( s ). 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act these companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 15 U.S.C Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;

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