vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX XXXX,XX/XX/XXXXI am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [XX/XX/XXXX, XXXXXX/XX/XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. ] I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ].

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are [ XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ].

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX continues to sale a collections account in the amount of {$2400.00} that does not belong to me To date, they have sold a passed my information to 5 companies. I am not the owner of this account. I do not have nor have I ever had an account with XXXX XXXX XXXX or its affiliates. Each time I dispute this matter, months later it reoccurs as a problem. On XX/XX/XXXX I will follow suit. This issue has taken up a lot of my time and energy and I refuse to suffer from this matter and further. Currently, the company reporting this inaccurate, false, denominational information to my credit is a company called Credence Resource Management. This information was reported to my credit account on XX/XX/2020. Each time the account is removed only to resurface 5 to 6 months later. I have never received any collection documents, phone calls or any form of communication from XXXX XXXX XXXX or its affiliates other than the account being placed on my credit. 

I would like this information published immediately so that the people whom are suffering from the false and inaccurate and negative information these companies are allowed to publish on their personal credit. I will use whatever resources available to me via the allow to pursue this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Three issues exist against Caine & Weiner : 1. They recorded my telephone call on XX/XX/2020 and didn't give me any notice of any kind until I asked if the call was being recorded. This is a violation of Cal Penal Code 632. " CIPA. '' 2. I asked them to provide me with documentation between he original creditor and I and they failed to produce. They are attempting to collect on a debt not authorized by an original contract or permitted by law and in doing so are in violation of the FDCPA. 

3. There wasn't a mini-miranda given on the XX/XX/2020 telephone call stating " This is an attempt to collect on a debt and any information obtained will be used for that purpose. '' I am now represented by an attorney, but not lawsuits have been filed. Caine and Weiner need to contact my representative to discuss resolution to the violations. 

Please contact XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is stating that I owe them money. Its on my credit but, U don't have a signed contract with them. This account has been on my FTC report and I have disputed it with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I wanted to open a account at XXXX XXXX and they denied me. I don't know why, the last account I had over a year ago was with Bank of America. I didn't do anything wrong, I didn't bounce a check, I don't owe any money. The account was closed. When they told me a check I received and deposited was scam, .I didn't know it was scam and they got all money back plus what I left in the account. I was appalled the way the bank after and didn't even bother to teach me why the check was bad. Then they lied about closing the account so I closed it.

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 2020-12-19 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

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

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$3300.00} -This is not my account. 

5. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-12-19 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

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

4. XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/2020, my debit card, which was linked to my PayPal account, was hacked and {$300.00} withdrawn from my checking account through a PayPal wire transfer service called XXXX. My credit union and debit card issuer would not replenish the funds, claiming the issue needed to be resolved with PayPal. PayPal declined responsibility and referred me directly to XXXX. After many attempts, I finally got through to a XXXX representative but the company has not resolved this fraud nor returned my money to my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXXth i paid for a service that i thought was very legitimate but end getting scammed, i contacted the recipient many times to try to get my money back but they blocked me. I contacted cashapp with an email & thwy denied my dispute & told me to be careful next time which i understand but as. a bank should always let a customer do a dispute with proof of fraud/getting scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I have been a customer of Toyota of XXXX since XX/XX/XXXX. I purchased the XXXX XXXX XXXX, the XXXX XXXX XXXX, and currently the XXXX XXXX XXXX. My problem is with the XXXX XXXX XXXX, which I purchased in XXXX, XXXX. 

This vehicle was listed for approximately {$28000.00}. But I was pressured into engaging with so many unnecessary after market add-ons. The result was that I ended up signing off the car at approximately {$47000.00}. After realizing this was too high, I returned to the dealership two or three days after to complain. They made some cosmetic adjustments bringing down the cost to about {$45000.00}. 

I pay {$780.00} a month for this vehicle. I was forced to sign off this vehicle because I needed it for family use and for me to drive to school on time. Toyota of XXXX told me that I shouldn't worry about the cost because after six months, I should be able to refinance the car for a better and comfortable monthly payment.

Now, I'm struggling with a mortgage, Student loan and car loan. I need someone to please intervene for me. 

Thank you and have a blesses day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: GA

Complaint narrative:
On XX/XX/XXXX I inquired with a Mortgage Company about being a First Time Home Buyer. I gave the Mortgage Analyst permission to access my credit report, which was accessed via Experian. The Mortgage Analyst reached out to me via email indicating that they are not sure why I have disputed on closed collection account and past due accounts that are over 6 years old. I replied back via email communication that I would never file disputes on closed accounts that ate charge off nor past due accounts and have filed complaints with the FTC regarding the illegal violations that I have been experiencing with past due Creditors. I am now filing another complaint against Experian. I recently disputed address disputes with Experian but has not disputed closed accounts nor a collection account that keeps appearing. I HAVE NOT DONE SUCH AT ALL! Experian is illegally violating my Right 's and this situation needs to be on the news media. Experian has intentionally filed disputes on my credit file with accounts that has been closed and charged off, this is very much illegal as I have not and never will dispute a closed charge off account in the amount of {$20000.00}. I also plan to contact the CEO of FTC. I am requesting for assistance please. The fraudulent disputes needs to be removed immediately, which is showing as disputed on XX/XX/XXXX XX/XX/XXXX. I never filed these disputes at all.

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 2020-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Thursday, XX/XX/XXXX I tried to login into my Chase Mobile app. The app said that my account was locked or restricted and I needed to call a 1-800 number. When I called the number, the agent at Chase Bank told me the following : 1 ) we have chosen to close your account and dont want to do business with you anymore.

2 ) I dont know when you will receive your funds in your account 3 ) thats all I can tell you.

I was shocked. Im not a criminal nor do I have a record or have committed anything illegal. All this is happening right before XXXX and during a pandemic. I lost my job due to Covid and had been receiving unemployment insurance since XX/XX/2020. Chase Bank made me feel like I was a criminal, had done something wrong, and they werent willing to tell me why they closed my account. 
The next morning I call the 1-800 number early in the morning. The agent tells me over the phone that my account is just restricted and that they needed proof that I was receiving monthly unemployment checks. I was receiving monthly unemployment checks from the state of Minnesota. I am a former XXXX XXXX with XXXX XXXX XXXX and I was based in Minnesota but lived in CA. Minnesota unemployment had approved all my payments. I went to my local branch and took in copies of all my monthly unemployment insurance payments, proof that I was receiving those monies from Minnesota. The bank did not believe all the paperwork that we faxed and scanned to them. 
They closed my account and did not return my monies to me. I had about XXXX in my two accounts. Plus they locked my sons account that was linked to mine. 
I showed the bank my proof from the state of Minnesota and they are treating me like a criminal and keeping my money. There are people that are not paying their mortgages, loans, etc and the bank is choosing to discriminate against me during a pandemic. All for a measly XXXX. 
There will be no XXXX for me this year because of this. Luckily I am sleeping in someones living room as I have a roof over my head, but treatment from Chase Bank is disgusting. Shame on them for trying to hurt others during this time of a worldwide pandemic. Trying to keep my money when they have no right to. Just because others arent paying bank fees, loans, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I received a collection amount of {$970.00} on my credit report from commonwealth financial System and this is not my debt it was done fraudulent I havent been to the hospital at that time.So I disputed this numerous of times and they continue to say its my responsibility and I know for a fact I havent been to the hospital at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone used a fraudulent check with their own writing and completely wrong signature to cash out {$2100.00} from my Chase checking account. The bank refused to help me with the reason Im not careful with the check! Please help we work so hard for it and it almost XXXX time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
On XX/XX/2020, my wife and I refinanced our mortgage with United Wholesale Mortgage ( UWM ). We did not receive our XXXX mortgage statement prior to XX/XX/2020 which was the date of our first mortgage payment after the refinance. Therefore, I called UWM and made the XXXX payment over the phone. When my XXXX mortgage payment due date was approaching and no mortgage statement had arrived, I called the UWM customer service phone number and told the representative that we had not received our XXXX mortgage statement. The representative instructed me to mail our mortgage payment to the following address : United Wholesale Mortgage XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
Following the instructions of the representative, I had my bank send UWM a draft for our mortgage payment on XX/XX/2020. The payment arrived at the UWM address on XX/XX/2020. My payments are late after the XXXX of the month ; therefore, my XXXX payment was received by UWM prior to XX/XX/2020 and was not late. UWM never called or emailed me to let me know that my payment was not received. However, when UWM did not accept the bank draft, my Credit Union stopped payment on the draft on XX/XX/2020. When my Credit Union notified me that a Stop had been placed on the XX/XX/2020 draft, I reached out to UWM and was told that my payment should have been mailed to a different address. Further, I was informed that a 30 day late had been reported to the bureaus for us.

Company response to consumer: Closed with explanation