vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 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: NY

Complaint narrative:
XXXX XXXX XXXXXXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX  - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud XXXX XXXX - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. XXXX XXXX  XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX  XXXX  {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.

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 2022-05-25 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: Nelnet, Inc.
State: GA

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-05-25 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX  - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud XXXX XXXX - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. Discover Bank XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX  {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX of XXXX TD BANK PUT A HOLD ON MY ACCOUNT I HAVE ON BALANCE {$2100.00} THAT WAS DEPOSIT FROM MY EMPLOYER AND ALSO A CHECK FROM XXXX XXXX TAXES THAT GOVERNMENT WAS GIVING EVERY MONTH, I CALLED TD BANK AND ALSO WENT TO THE BRANCH AND ALL THEY TELL ME IS THAT MY ACCOUNT IS BEEN CHECKED AND THAT SOMEONE WILL CALL ME AND UNTIL NOW I HAVENT GOT A CALL BACK OR NOTHING I CALLED ON XX/XX/XXXX AND TD BANK CUSTOMER SERVICE SAID THAT THEY WILL INFORM THE PERSON IN CHARGE OF THE CASE AND I SHOULD RECEIVE A CALL WITH IN 5 BUSINESS DAYS AND I STILL HAVE RECEIVE A CALL THEY STILL HAVE MY MONEY ON HOLD AND NO ONE FROM TD BANK HAS AN ANSWER FOR ME OR EXPLAIN TO ME WHAT IS GOING ON. PLEASE HELP ME SOLVE THIS ISSUE BECAUSE IM HAVING REALLY BAD FINNANCIAL PROBLEMS AND I NEED THE MONEY. THANK YOU SO MUCH HAVE A GREAT DAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
I refinanced my mortgage in XXXX 2022. After closing, the mortgage was purchased by United Wholesale Mortgage. I have no Escrow account on this mortgage, as all taxes and insurances are paid in-full by me separate from the mortgage. 
On XX/XX/2022 I received an email from UWM at XXXX. that they had made a payment to an insurance company on my behalf When I logged into my account I saw that they created an escrow account on my mortgage account, and sent {$1200.00} payment to an ( unknown ) insurance company I never heard of. 
They did this without my knowledge or consent. My insurance policy was paid-in full BEFORE UWM bought my mortgage in XXXX 2022. AT NO TIME did UWM ever ask me to provide evidence of insurance ; in fact that was provided to them when they purchased the loan from the previous lender, as it was including in the title closing package as PAID IN FULL. 
I immediately contacted UWM asking why this happened? It took 3 days for them to respond, at which point they asked me to provide proof of my hazard policy which I did. I have done so, and am now trying to get this escrow account and {$1200.00} refunded. 
I received no apology or explanation as to why they did this, which leads me to believe it was a deliberate attempt to de-fraud me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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:
Unauthorized inquiries on my credit reports are as follows : XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-05-25 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: FL

Complaint narrative:
Unauthorized inquiries on my credit reports are as follows : 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

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 2022-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I do not owe this company anything, I have disputed and received nothing. I need some help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
While on vacation, I used my phone to " cast '' a movie from my phone to the TV in my hotel room. I scanned the QR code and found out the next day XXXX  had charged me a " lifetime '' fee through my PayPal account. I have contacted XXXX, the hotel, paypal and my bank to no avail. XXXX does not have a " lifetime '' subscription and yet, no one will reimburse my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy. 

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-05-25 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: TX

Complaint narrative:
I have not applied to any of these merchants. Why are they listed on my reports as inquires? 

XXXX XXXX Accept You applied for an auto loan on XX/XX/XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXr You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX  You applied for an auto loan on XX/XX/XXXX XXXXXXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/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 2022-05-25 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Jcmcb card {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 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 — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Department of Education Aidvantage has two account one for XXXX and XXXX, both accounts are older than ten year. My request to the bureaus is to purge these erroneous creditors from my credit report. XXXX and XXXX, XXXX has just the XXXX. Attached please find three credit reports from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
On XXXX XX/XX/XXXX, received a form letter from Credit Systems Inc XXXX XXXX of the XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX CO XXXX alleging that I owed XX/XX/XXXX XX/XX/XXXX {$640.00} from XX/XX/XXXX. I have disputed statements with XX/XX/XXXX XX/XX/XXXX dated XX/XX/XXXX and XX/XX/XXXX in which they invoiced me for an " Amount Due '' of {$150.00}. 

In both cases, I responded to those invoices disputing that balance, indicating that payment would not be forthcoming, as care provided was not what was requesting, benefits were not coordinated properly between my two insurances, care was not coordinated with my primary care dentist ( as I had made clear when I initially had visited the practice ), unnecessary services were provided ( a second planning and scaling within a benefit year without checking either with my insurance or my primary care dentist ) and what payment had already been provided by my two dental insurances should be sufficient. 

I included the three credit reporting agencies ( XXXX, XXXX, and XXXX ) on these responses. I also received confirmation emails from the office admin ( XXXX XXXX ) that each of these responses had in fact been viewed : the response to the XX/XX/XXXX statement on XX/XX/XXXX ; and the response to the XX/XX/XXXX statement on XX/XX/XXXX. I received no statements from this office in either XXXX or XXXX, nor did XXXX XXXX contact me to discuss my response. 

I initially came to the practice for treatment of a relapse of severe XX/XX/XXXX XXXX, needing XX/XX/XXXX and XXXXXX/XX/XXXX. Instead what I received were a XX/XX/XXXX and XXXX on a XX/XX/XXXX 

XXXX XXXX had replaced the original admin I had met when I first arrived at the practice. Apparently, there had been no pass-down, as on my second visit, XXXX XXXX had no idea what had been previously discussed. When I asked about coordinating benefits and coverage for my requested treatment, she sent me back to talking to the insurance companies myself, and when I asked about pre-approvals, I had to constantly remind her to submit them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
XX/XX/2020 my car was involved in an accident that the insurance deemed a total loss. insurance paid out its portion ( full coverage ) while the rest was up to the GAP coverage i had on the car. my father and i are both on the car loan. while checking my credit report i saw the car had been placed into the " public record '' section. i was denied a mortgage for a home because of this. according to the the consumer rights info i read, mine and my fathers were violated. we never recieved any notice of a court hearing nor did our insurance company since GAP did not pay out as per our contract. i have filed a complaint with them as well. we paid to settle the account and it still was placed into the public notice section. i have never ever gotten notice of a court action for the car, only a call to collect the past due portion. it was paid and has a XXXX balance. also, my name is incorrect on the account on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Convergent Outsourcing " XXXX XXXX XXXX last reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed.

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 2022-05-25 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: TX

Complaint narrative:
I have not applied to any of these merchants. Why are they listed on my reports as inquires? 

XXXX XXXX Accept You applied for an auto loan on XX/XX/XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXr You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX  XXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/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 2022-05-25 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: TX

Complaint narrative:
I have not applied to any of these merchants. Why are they listed on my reports as inquires? 

XXXX XXXX Accept You applied for an auto loan on XX/XX/XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX  You applied for an auto loan on XX/XX/XXXX XXXX XXXX XXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXXXXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint in the name of XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX She is XXXX XXXX XXXX with signs of XXXX and XXXX  related XXXX XXXX. She and my brother were married over 40 years when in XXXX of 2021 both got XXXX. My brother died, his wife survived XXXX bouts of XXXX and nervous breakdowns. She is unable to XXXXXXXX XXXX XXXX and will often forget vital information when anxious such as her address and name. She is currently receiving social security assistance due to her diagnosis. 
While she has family she has no estate and income other than government assistance. On her behalf, I tried to resolve the debt 's left by my brother after he passed and asked capital one to stop harassing her with daily phone calls and threatening letters and calls. She just does not have the money to pay them back and while I am prepared to go to court if they attempt to sue her, I am concerned at the price she will pay emotionally if subjected to court action. 

currently, she receives food stamps, daily XXXX assistance from social security, Medication for XXXX  XXXX stability and other medication to address XXXX  and other health problems.

Company response to consumer: Closed with explanation