vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I deposited two checks they were US Department of treasury stimulus checks that were for my brother-in-law who is very XXXX XXXX and I help him with matters like this sometimes he had just recently come home from XXXX  and had no ID whatsoever so in order to cash the check I was going to deposit it and give him the funds as he was XXXX  and desperately in need of the funds. Chase Bank cashed the first {$600.00} stimulus check without any problem they put a 10-day hold on it and then released it for which I withdrew it and gave it to my brother-in-law. The next check was {$1400.00} they put a 10 day hold on it, just as they did the first one, and then they cashed it. Then they decide to put a fraud hold on my account and tell me that I had to bring him in with ID, I tried to explain to them that he does not have an ID he's XXXX XXXX and he just came home from XXXX and he has no more money. Chase Bank told me there's absolutely no other form of acceptable ID than state ID and passport he has neither. Therefore, they closed my account it's been more than 90 days, according to my last statement they sent a check in the amount that was left in the account but I've never received it and when I call them to ask them where the check is they keep telling me that I have to bring him in there with his ID. I believe they cashed that check by mistake they should have told me I needed his ID first they should have never cashed that check I would have taken it somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I refinanced my home with Amerisave on XX/XX/2020. The process took well over 90 days. At the beginning we were given an esimated closing cost of {$12000.00}. When we finally closed on the loan, the fees went up to {$13000.00}. The additional cost was due to the interest rate extension. 

During this process the bank asked us over and over again for the same documents which we provided in a timely manner. They switched loan officers and underwriters several times delaying the review of our file. WE SHOULD NEVER OF PAID EXTRA FOR THE RATE EXTENSION. I am filing this complaint today to get my money back. They owe us {$780.00}, plus they rolled it into the morgage which means we'll pay interest. They baited and switched us, delayed the financing of our home and cost us additional interest with our other banks. We were told the process takes between 30-45 days, with 60 days being worst case scenerio. They kept blaming my self-employment status for the delays. I know several other self-employed that closed on a timely manner with other banks.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This is my second formal CFPB complaint to Wells Fargo. My original, CFPB No. XXXX, regarding the company 's mishandling of my deceased grandma 's ( XXXXXXXX XXXX XXXXXXXX XXXX ) two IRAs resulted in me receiving the attached email from XXXX XXXX, Exec Office Case Specialist, sending an email to me addressed to my deceased grandma. How cruel and unprofessional!! Over a week ago, I called the phone number for XXXX XXXX and left a message pointing out this error and requesting a call back from his manager due to this insensitive email. However, to date, I have received no call back. I am not understanding why his voicemail specifically says that you will receive a call back within 24 hours ; however, this handler and his manager does not return calls. I would like a phone call back from this handler 's manager within 24 hours or I will be filing a complaint with the NC Attorney General 's department.

I would appreciate it if your company would also attend to my mom 's issue, as your company has informed numerous people ( my mom, my grandma 's executrix, and a manager of XXXX XXXX  ) that she is a beneficiary of one of my grandma 's IRAs. However, your company will not release the funds. She has sent the paperwork twice. This is not fair to do to my mom, who has a terminal illness, and has 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 2021-08-08 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: FL

Complaint narrative:
First of all I had a credit score in 2020 and at that time I was definitely not applying for credit or having any credit lines open or anything like that now all the sudden a year later I have no credit score whatsoever in any credit bureaus they tell me that I have two accounts opened under my social then they say they didnt I have sent my ID my social and letters verifying my identity and I made a report in the last report came back that they had no customer that matched that name like something about a third-party authorization I am making this complaint XXXX XXXX no one else is making this complaint for me this company is really affecting me during a pandemic every time I apply for something I cant get it and it always goes back to XXXX  yesterday I applied for a bad creditNo credit loan and it comes back I have no credit report that is crazy when I pay for credit monitoring every month for {$20.00} they send me all type of alerts that they dont know where they came from they said they never help me fix anything on my credit report they have fraudulent accounts open after Ive already sent them police reports and they also have inquiries with the wrong phone numbers beside the name of the business now INo theres not that many people going through all this kind of craziness this is absolutely harassment and I want it to stop they are affecting me and my children for no reason I want a credit score I want all the inquiries off of my credit report or not mine and I want them to stop telling things that I applied for the wrong information about me and then Im also hearing they have me reported dead so I have no clue whats going on but they need to get it together because I am going to call the state attorneys office next or something news channel I have no clue what to do but this is not fair when we have a fair Reportingcredit act Thank you for your time

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 2021-08-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MOHELA
State: GA

Complaint narrative:
I XXXX XXXX on XX/XX/XXXX I checked my consumer credit report and found Missouri Depart of Higher Edu has been reporting on my consumer credit reports.

Pursuant to FDCPA 15 usc 1692d ( 1 ) it is a violation to use means to harm a consumers reputation. Also pursuant to 15 usc 1692e ( 2 ) ( A ) it is also a violation to falsely represent any amount of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one auto finan # XXXX is committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports. Ive sent them letters befor but did not get any response. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a car loan or owe ANY amount of car loan and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Ccs keeps listing info on my credit report which is inaccurate

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX NOT MY NAME REMOVE IT XXXX XXXX XXXX XXXX XXXX TX XXXX IS MY SISTER ADDRESS FCRA VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: MO

Complaint narrative:
I am the victim of identity theft and got sick during the XXXX XXXX and equifax Is falsely listing accounts on my credit report that are not mine and I have no knowledge of. They refuse to let me call by phone or dispute online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
Affirm has reported 5 accounts as delinquent. All of these accounts were opened XX/XX/2021. I contacted the company via email to advise the accounts were not mine nor do I have any knowledge of the accounts. In addition the payment account/s provided for automatic payment do not belong to me. I never received a response from the company. 
I currently have one active account with Affirm ( XXXX  ). This account is current and automatic payment is debited from my wifes account which ends in XXXX. 

I dont have any knowledge of what products were purchased/financed in XXXX. 

The 5 accounts reported as delinquent were fraud and I should not be held responsible. 

Each time I have opened an account with Affirm it has been paid as agreed. If you look at my credit report all of my payments are made on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I was scammed! And want my title and money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: I.C. System, Inc.
State: TX

Complaint narrative:
I submitted a complaint with the CFPB ( XXXX-XXXX  ) on XX/XX/2021. I.C. Systems stated Our records indicate the account has been disputed but its still reporting on my accounts. 

I know my rights and I know I have to give permission for someone to obtain my credit report. I did not give I.C. Systems permission to obtain my credit report file. I do not have a transaction with I.C. Systems or an account. I have to provide I.C. Systems with legal power of attorney or a notarized consent letter giving authorization for them to act on someone behalf and I NEVER gave I.C. Systems permission. 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports, states In accordance with the written instructions of the consumer to whom it relates.

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 2021-08-08 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: Aqua Finance, Inc.
State: GA

Complaint narrative:
Communicated via phone call, XX/XX/2021 with Aqua finance stated the product was in no longer in my possession. The item was installed with the co-borrower. Were in the process of an divorce. Since then I have not been contacted regarding debt. According to the fair credit act the account should be deleted from my report in due it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I received a statement in XX/XX/2021 from a collection company by the name of Designed Receivable Solutions. They billed me for a medical bill that was already taken care by me. I was required to pay a deductible with my insurance company which was resolved shortly after my visit. I never received a validation notice from the collection agency giving me an opportunity to dispute this debt. Rather than receiving a notice ( required by FDCPA ), my credit was impacted. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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 have disputed information they are reporting to my credit file and they have not honored my request and have responded to me! This information is affecting my credit scores in a negative way and they are violating FCRA regulations!

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 2021-08-08 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:
I have disputed information they are reporting to my credit file and they have not honored my request and have responded to me! This information is affecting my credit scores in a negative way and they are violating FCRA regulations!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: AL

Complaint narrative:
I have disputed an account with Equifax over 15 times concerning XXXX XXXX XXXX account # XXXX - there was inaccurate and incorrect reporting for years on this account before it was paid off - even XXXX did not have the correct information. XXXX has changed the reporting on this count at least 5 times and Equifax has this on record. According to section 1681i - they are to perform a reasonable investigation and once that investigation is performed the information has to be updated or deleted. Well in my case Equifax sent me letters stated the account was verified and then came back with letters after more disputing saying XXXX updated. Well if XXXX updated multiple times - that should let Equifax know the information is incorrect!! If the information is correct why continue to change the dates I was late over several years - multiple times? If XXXX is furnishing accurate information they should have a need to continue to change and update and change the original updated information - then go back and change that information several more times. The inconsistencies and errors on this account are appalling and have violed the FCRA and maximum accuracy standard. Please delete this inaccurate account from my credit report. At the very least the entire account should have all late payments removed because of the inconsistent and inaccurate reporting on this account. Lastly, since XX/XX/2021 my Equifax XXXX XXXX score has dropped 20 points for no apparent reason and I am thinking it is associated with something to past disputes. Please resolve my scoring as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. PURSUANT 15 USC 1692A, 15 USC 1666B

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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:
i have been trying to dispute inquiries on my Equifax, XXXX  and XXXX  but every time they don't remove the inquiries and they are still on my report. I did not authorize these inquires and they are fraud which i explained to them but they wont remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DOAN SOLUTIONS
State: MO

Complaint narrative:
I tried to fix my credit report through getting my student loans under control. I got a hold of down solution s they promise to fix my credit for a fee I payed XXXX up front. And after a month nothing happened with my student loans to improve them I then found out down solutions is a scam. I went to fasfa myself got my student loans under control for free. And now they are saying I owe them XXXX for work they never did, because it's a scam. I took care of my student loans for free my self. I also got a email and letter saying if XXXX isn't payed it is going to harm my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: VA

Complaint narrative:
XX/XX/2021 Dear Complaint Department, XXXX XXXX My XXXX Credit Card was deleted by XXXX because I reported to Experian that XXXX had made an error on my Credit Report causing my score to decrease by more than 5 points. I was never late and ensured my bill was paid on time. XXXX reported I owed a larger sum on my XXXX Credit Card in XX/XX/2021. The error reduced my credit score on XX/XX/2021. XXXX didnt consider a payment I made by my personal XXXX  checking account number XXXX for {$500.00} in store on XX/XX/2021. Very disappointed as this was XXXX mistake and when I called it to their attention, my credit score suffered, my open credit line of Credit decreased {$1500.00} and my overall Credit Score was lowered and no longer well above my Credit Score of XXXX. 
Please Help!! 
Thank you. 
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