vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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: IL

Complaint narrative:
I Called transunion because my credit scores are dropping. From False reporting of being late with a payment. These accounts are paid in full. And are in charge off status and remain on my reports till XXXX XXXX Bank XXXX and XXXX XXXX bank ending in XXXX And XXXX XXXX does what they tell them to do. Its a crime they should be fined and jailed Also Experian and XXXX are guilty I Have reported them to their own fraud and credit card investigations to correct within XXXX days. i cant handle all XXXX scores faillng from XXXX pts to XXXX since and XXXX months in XXXX XXXX and XXXX and last year.. please help 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 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
OUR COMPLAINT I have reached out to my bank advising that i was charged an incorrect amount by a hotel while I visited XXXX. I explained that the hotel charged me {$2800.00} when i was supposed to be charged {$1300.00}. on XX/XX/21 I faxed the bank a 9 pages including, detailed email conversation with the hotel, the amount the hotel was reserved for and a full explanation of what happened.. On XX/XX/21 I then received a letter advising that the bank did not receive my documents and needed more information. I contacted the bank and spoke to XXXX with ID XXXX in disputes and was advised that on XX/XX/XXXX all 9 pages that I faxed were received and uploaded and she does not know why they are requesting more info as the letters faxed before has all the necessary info. On XX/XX/XXXX I again faxed the documents to the bank. Today I receive another letter dated XX/XX/XXXX advising that they did not receive the information and will reverse the credit of {$1500.00} on XX/XX/XXXX. This has been a problem as its the second time this has happened. when I call the bank i am not allowed to speak to the actual person working my case and a lot of communication gets lost creating a very bad experience. I have provided the bank all the info that they requested as attached below and They have confirmed receipt of this, yet still another department is stating that they didn't and making decisions on this. Again the bank reopened this and asked me to send them documents which I submitted 8 documents on XX/XX/2021 and confirmed receipt which I have attached and again they are telling me I did not send them documents. I have sent email convos with me and the hotel confirming the correct amount to be charged, statements showing the incorrect charge and the bank is disregarding them. Today they have reversed XXXX advising that they did not receive documents.

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 2022-02-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: AK

Complaint narrative:
Victim of Identity theft. Unauthorized charges, did not authorize any services. Disputed these accounts through creditor who stated they would be deleting account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: MI

Complaint narrative:
I XXXX XXXX, ( DOB ) XX/XX/1989 HAVE SENT MUTIPLE FAX REGARDING THE INCONSISTIES WITH MY BIRTHDAY AND ADDRESS, IM REQUESTING THAT MY BIRTHDAY BE UPDATE TO XX/XX/1989 AND MY ADDRESS TO BE UPDATED WITH XXXX XXXX XXXX XXXX XXXX MI XXXX, I WILL LIKE TO VERIFY MY INDENITY WITH EQUIFAX, XXXX, XXXX WITH BOTH UPDATE ITEMS THANKS IN ADVANCE ... .ALSO XXXX XXXX XXXX XXXX MI XXXX SHOULD BE DELETED ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank .. a fraudulent check was used to open a checking account in my name. The amount of the check was {$2300.00}. It is a fraudulent check used to open a fraudulent checking account in my name A fraudulent checking account has been opened in my name using a fraudulent check. 
The bank involved was notified I was on hold for four hours trying to rectify the situation. This began on XX/XX/2022 I was directed to a fraud department where this account was supposed to be canceled I have received as of XX/XX/XXXX another letter stating that this account is still active. 
I notified XXXX, XXXX, and XXXX and put a freeze on any new accounts. 

I want this checking account closed as I did not open it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
My XXXX ran up charges without my knowledge after we separated. She changed the address on the account and other information so that I wouldnt receive statements. So I had no idea that this card was maxed out and not being paid until it was reported on my credit several months later. 
I filed an ID theft report with the XXXX and submitted it to American Express. I received a letter in the mail stating they would eliminate the fraudulent debt, but it was never removed. 

I dont feel it is fair that I am losing an account that I have held for a number of years with a perfect payment history and have had my credit score completely tanked due to the actions of someone else without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: NY

Complaint narrative:
I recently found this company, CAPIO, on my credit report, claiming debt collection. I had absolutely no idea what it was about. I have received nothing from this company whatsoever. I called them and they claimed to be trying to collect some mystery medical debt from 2019. When I told them that I hadn't received any documentation about this alleged debt and that I knew my rights and that I needed to receive something written from them so that I could dispute it, they told me it was MY responsibility to write to THEM asking about it and that it would probably " take some time to hear anything back '' because of the " thousands of requests '' they're fielding daily. They are engaging in ILLEGAL practices and in the meantime they refuse to take this alleged debt off of my credit report while I am waiting for documentation from them. This is absolutely insane and goes against the law. I will not be intimidated by a company that is willing to break laws in order to try and scam people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 Chase closed my XXXX XXXX Account ending in : XXXX with no consent or authorization. They then provided me with an automated response that was unclear. In the response provided below Chase stated that my accounts were closed for XXXX reasons that were not specific or clear. Chase then stated " Our decision was based in whole or in part from the consumer reporting agency listed below '' which was XXXX. Then on the very next sentence stated " The consumer reporting agency played no part in their decision '' That statement is a clear contradiction. Chase has discriminated against me under the Equal Credit Opportunity Act and has used unfair practices against me. 

I have contacted Chase numerous times only to get laughed at and disregarded by agents like XXXX a dispute supervisor who told me that he doesn't need to follow any federal laws because he was in charge. I then informed XXXX of the fact that I am a consumer XXXX XXXX XXXX ( XXXX ) and that I am aware of the fact that I am the original creditor and the account belongs to me not Chase as this was an accepted Credit card XXXX XXXX XXXX ( XXXX ) held at the federal reserve XXXX XXXX XXXX ( XXXX ) ( XXXX ), I then informed Chase that they had created an unauthorized transaction XXXX XXXX XXXX ( XXXX ) as closure of my account without my consent was a violation as I receive no benefit from such action. 

As the person who extended the credit to Chase I am hurt and distraught at the fact that they would abuse me this way. I can't believe the level of unprofessionalism and their clear disregard of the law. I have been suffering and struggling to eat and take care of myself as I relied on my credit to obtain personal and household services. 

Chase had committed an unauthorized use of my account XXXX XXXX XXXX ( XXXX ) and has defrauded me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX filed a XXXX XXXX against my property at XXXX XXXX XXXX XXXX, XXXX, WI XXXX in XXXX. I have tried to obtain the XXXX XXXX documents in the amount of {$12000.00} submitted to HUD and according the XXXX documents XXXX not available. 

XXXX XXXX  XXXX : Requested all XXXX lien documents XXXX XX/XX/XXXX. On XXXX, XXXX XXXX  responded " we were servicing the first XXXX on the above referenced property and unable to locate any other accounts in our records. Please provide a copy of the title report showing the XXXX is outstanding. Also provide copies of recorded Mortgage and assignments and any payoff information you may have, such as a copy of payoff statement and/or the XXXX XXXX XXXX. 

HUD RESPONSE : On XX/XX/XXXX, I submitted a request to HUD and the response stated ... ..When using a XXXX Partial XXXX Option your Servicing Lender ( Servicer ) is required to prepare a Partial Claim promissory Note and subordinate Mortgage for your execution. The Servicer should provide you with a copy of the fully executed documents for your records. The executed Partial Claim subordinate Mortgage will be recorded and will result in a XXXX being placed against your property. 

If you can not locate your copy of the Partial Claim promissory Note or subordinate Mortgage you should contact your Servicer to request a copy of these documents. 

XXXX XXXXXXXX XXXX ; RE : XXXX. 

Action Required : XXXX Mortgage to provide the XXXX lien documents or contact HUD to XXXX documents of the XXXX lien. I would like it sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: T.S. Holdings
State: GA

Complaint narrative:
XX/XX/XXXX, my husband and I applied for an apartment with the XXXX  XXXX XXXX. We paid our fees and awaited for a response. I called 3 days later, with no update. The next day, I called and was told that my my husband and I were denied. We did not have any derogatory information on our credit and our credit was much higher than the credit score required. We were in the mid 600s and the requirement was 550. There also was never a credit report pulled. I called and updated the apartment and asked how could we had been denied, if a report was never ran. They never responded after multiple contacts. We applied at another apartment with a higher score requirement and received immediate approval. In XX/XX/XXXX, I received a call saying they were trying to collect a debt. I asked the agent to please explain how i owed. She said it was leftover move out fees. I explained that I never stayed or moved in so how are we owed a balance? She got rude with me and threatened that she will just put it down that I am refusing to pay the debt. This was a recorded call. I explained to her that Im not refusing anything but am asking for a verification of the debt. The call ended and today, I go to look at my credit report and there is the collection. This is illegal and the tactics of IQ DATA INTERNATIONAL IN are inhumane. They still cant prove how I owe this money to them when they never ran a report. I called over a month leaving messages with the main office and no one called me back. I reported it on XXXX and they responded saying that it was due to my credit but again, my credit was never pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INACCURATE INFORMATION from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JNR Adjustment Company, Inc
State: MD

Complaint narrative:
I received calls at XXXX XXXX on XX/XX/22, as well as calls on XX/XX/22, and XX/XX/22. Spoke briefly to a representative who said they were trying to collect a debt from XXXX XXXX XXXX, I told them only time I used XXXX was when my truck was rearended and that the persons insurance took care of it. I told them to stop contacting me. this was on XX/XX/22. They called again on XX/XX/22. I did not accept phone call thinking this may be a scam. I also checked with XXXX where I rented the car and my account with XXXX was paid in full. I am on DO NOT CALL LIST and want them looked into and to stop calling me. Company is XXXX XXXX and their phone # is XXXX ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: NJ

Complaint narrative:
Hello, My name is XXXX XXXX and I am an XXXXXXXX XXXX XXXX. I have worked in financing and credit for XXXX years. My credit scores are much lower than XXXX with similar credit. I have viewed hundreds of credit reports of all races and ethnicities. Additionally, I am receiving messages from XXXX XXXX and other online credit reporting apps stating that my rates are higher and my score is lower than many others that have similar credit. My score is in the XXXX and I have no collections or major delinquencies. However, what I do have is a social security number that is coded I am a XXXXXXXX XXXX. This is so unfair and I am ready to sue and advocate for change.

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 2022-02-18 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: NJ

Complaint narrative:
Hello, My name is XXXX XXXX and I am an XXXX American woman. I have worked in financing and credit for 20 years. My credit scores are much lower than XXXX with similar credit. I have viewed hundreds of credit reports of all races and ethnicities. Additionally, I am receiving messages from XXXX XXXX and other online credit reporting apps stating that my rates are higher and my score is lower than many others that have similar credit. My score is in the 500s and I have no collections or major delinquencies. However, what I do have is a social security number that is coded I am a XXXX woman. This is so unfair and I am ready to sue and advocate for change.

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 2022-02-18 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: UMB FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/2021, {$3100.00} was charged to my account for radio and online fees related to a fundraising ad campaign for XXXX XXXX XXXX XXXX XXXX, a nonprofit bringing XXXX XXXX XXXX XXXX  XXXX. The campaign was to run online for the month of XX/XX/2021 and then run a week of radio ads leading up to XX/XX/2021 during XXXX XXXX XXXX XXXX 

Ads did not run and as I began to complain the radio sales team stopped responding to my inquiries. I am attaching screen shots of the ads platform showing no ads running. 

I then contacted the radio station one last time informing them I would contact the credit card provider, UMB Financial. They did not respond so I went to UMB Financial explaining that the radio station did not provide the ad time as promised to get a refund. The following four months have been a back and forth with UMB stating I owe the {$3100.00} for ads that did not run. 

I have asked multiple times that the charges be reversed and am now contacting members of the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I mailed XXXX checks to XXXX vendors in the amounts of {$15000.00} and {$2600.00}. Both checks were stolen from the mail and deposited with a forged endorsement. TD Bank has not restored the funds to our account and said they may not do so until an investigation is complete which may take up to XXXX months or longer., We are a small business and can not afford to be out of that money for that long. Are they not required to restore our funds immediately? I have already filed a local police report ( XXXX XXXX XXXX case # XXXX ) and with the XXXX XXXX as well. The criminal investigation is ongoing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I set up an XXXX on XX/XX/XXXX in Georgia under the name of XXXX XXXX XXXX, XXXX. Owner about that date I set up a checking account and credit card account with JPMorgan Chase in XXXX XXXX. 
I had a personal account at XXXX Chase as well. I do not recall signing a personal guarantee, what would be the purpose and point of having an XXXX if you have to have a personal guarantee? 
I dissolved XXXX XXXX XXXX on XX/XX/XXXX at the XXXX XXXX XXXX XXXX. I closed my checking and credit card account on or hear that date. I had a balance on the card at that time. The balance on XX/XX/XXXX credit card of $ XXXX. The local branch ( Chase Bank located at XXXX Old Hwy XXXX, XXXX XXXX in XXXX Georgia XXXX. ) closed sometime in XXXX I believe. I contacted the XXXX to let them know I closed the account and dissolved the XXXX. They said I needed to pay or it would affect my personal account credit. I continued to pay and over the years fought at different levels, XXXX & XXXX. all to no avail. I asked for copies of what I trying to set up the accounts to prove there was a personal guarantee in it. They told me that those records were in the branch that closed and therefore they could not obtain them. I spoke with my attorney recently and he said that this was not true. 
I retired in XXXX of XXXX and simply can not continue to make the minimum payment. The current balance is {$6600.00} on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: OH

Complaint narrative:
I disputed creditor us bank a couple of times with experian. Experian reporting that this account was past due for the month of XX/XX/2019. I was never past due. I recently sent a request asking for method of verification so I can further investigate. Experian refused to send the method of verification. This is a violation of the credit fair act. Under the law Im am entitled to the method of verification.

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 2022-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Someone opened a bank account using my name, address and SS number. It was with Citizens Bank. I got a letter saying I was overdrawn {$18.00} but I do not have a account with Citizens Bank. I called them and they put a freeze on the account but I want whomever did this to be found. The case number that Citizens Bank gave me is XXXX. I think my brother might be behind this ... .. His name is XXXX XXXX XXXX XXXX age XXXX

Company response to consumer: Closed with explanation