vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: PA

Complaint narrative:
XXXX XXXX bank has continued to report invalid information. Multiple disputes have yet to resolve the issue and no validation from XXXX XXXX or the credit bureaus have been received by me. 
First issue is that they were reporting a charged off account as open. Then they were reporting it charged off, every single month, for almost a year, so that it kept updating the date of last activity. 
Second issue is that I paid it off ( {$1700.00} ), in full, and they are not reporting it as such, so my utilization is showing at 254 % Third issue is that the account was never even mine to begin with. I have an FTC identity theft report and neither XXXX XXXX nor the credit bureaus took it seriously. The ONLY reason I paid something I didn't owe was because my mortgage lender advised me to just pay it and get it over with and fight it after the mortgage closed. 
This should be removed from all of my reports. There are multiple issues that have directly impacting my ability to gain new credit. I have attempted to work with XXXX XXXX and unfortunately keep getting sent to a woman who took it very personally that I dispute anything and told me she would never consent to removing anything from my report because I filed a complaint against them. She is leveraging my credit against me as retribution for filing a complaint. 
I would like this tradeline permanently removed from my credit reports.

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 2021-10-04 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: PA

Complaint narrative:
The follow account and Inquiry information does not belong to me. 

XXXX Account # XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$410.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I saw a car I liked and knowing my rights to credit, I decided to start attempt to initiate a consumer credit transaction using my SSN with Chase. Its a credit card as defined by congress.It was used and I sure didn't get anything positive from it.I received an adverse action letter dated XX/XX/2021, from JPMorgan Chase as well. How can they claim to extend credit, if I started everything ( by wanting a car ), and made them a creditor? 

It is also my right as a natural person to credit. So in that aspect what laws say that I can be denied my own right? Banks can only borrow money. So if the original creditors are natural people, the only way another can become one is to get it extended to them. In the letter for denial from Chase it was stated they couldn't find a credit score, that i didn't have the income, or credit accounts. Income is for a business. What laws say that I can be denied anything based on the false things consumer reporting agencies may or may not say? What am I supposed to do to initiate a consumer credit transaction, using my CREDIT CARD, that I am missing? As I am aware i was only supposed to pay the finance charges that would arise. What says otherwise? 
My credit card was used. I didn't get anything. My right was denied ; my right being credit. and the RIGHT to defer the alleged debt, as defined by congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX I noticed there were several NSF applied to my PNC checking account. If they had processed them in order there would have been one NSF fee, but instead, they applied NSF fees to 7 transactions, {$36.00} a piece. I called on XX/XX/XXXX and spoke to a " consultant '' and she attempted to credit the money back but the system would not allow her to. The next day I went into my bank account to assess if there were any more NSF fees. That's when I noticed a " Teller Deposit '' for {$340.00}. I called and spoke to another " consultant '' and she told me it was for a child tax credit and it would be removed with the deposit of the child tax credit. I had my complaint escalate and was left an email by a woman ( I will provide the name later ). I tried to contact her and the number she left would just ring and ring and then hang up with no voice mail. On Saturday XX/XX/XXXX, after I had transferred funds and made a mortgage payment, PNC decided to revoke the " Teller Deposit. '' My account showed a negative balance and it's as if the " Teller Deposit '' was never made. However, I took screenshots. No notification and my mortgage has not been deducted yet. So I called the main PNC number on XX/XX/XXXX and the " consultant '' escalated my complaint to another individual in the same department ( Retail Management ). The gentlemen refused to give me his last name, employee ID, or any identifying information. I spoke to him about the " Teller Deposit '' at which point he told me it was a mistake by the teller and I shouldn't have spent the money. At this point, I explained that the teller told me it was for a child tax credit. So he looked at the account and stated it was a " COVID relief '' deposit. I then posed the question that they can just arbitrarily add and take away money without notifying the customer. He told me, " Yes, '' and I proceeded to tell him that this was not legal and he insisted that it was. I have been a customer for over 10 years with PNC and after this, it has left a bad taste in my mouth, and will be searching for another bank to bank with. I have screenshots in XXXX XXXX form for the company to review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems has continued to willfully report inaccurate information of an alleged debt after being notified several times via certified mail. I have attached the debt validation letters, inaccurate reporting, and certified mail receipt. 
This company has failed to respond within 30 days as requested from the debt validation letter. I have attached the certified mail receipt. The company has not been able to provide a contract with a wet signature for the alleged debt as requested. 

There is a 1 month term showing for this alleged debt which is falsely indicating that there was a contract between myself and Transworld Systems which is not true. I have never had a contract with this debt collection company. 

There is a past due balance showing on this alleged collection account as well. A past due balance cant be shown for an account there was never any payments made to nor a valid contract this is a violation of the FCRA willing reporting invalid and inaccurate information. 

This 3rd party, has no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. Familiarize yourself with 73 Am Jur 2nd, Section 90. You have no right to " subrogate '' ( substitute ) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you " bought '' the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).

The previous CFPB complaint is attached indicates that they may not have sufficient time to complete an investigation of the alleged accuracy. According to the FCRA if the 3rd party debt collector stated there has NOT been Sufficient time to complete an investigation the third party debt collector shall immediately change the items in the relevant file as requested by the individual. I requested for this alleged debt to be removed and deleted from all three credit bureaus and for it to be REMOVED from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: CA

Complaint narrative:
On Monday, XX/XX/XXXX I received a letter from Chime bank with a new debit card ready for activation. The materials stated to activate the card in the app. 

It also provided me account numbers and routing numbers to give to my employer for direct deposit. 

I did not open an account with Chime bank, and wanted to take steps to remove this account. 

I called the number on the back of the card ( XXXX ) but was unable to speak to someone. 

I emailed Chime bank at XXXX ( I did not want to open their app ) and received an automated response from XXXX. She stated she would forward the information to the " Correct Department '' and I have not heard back since. 

I sent another email with additional information that might be more identifying to the account I am discussing but I did not receive any response either. 

It has been more than the 2 business days that they asked for. I would have appreciated an actual response or call from someone who would look into the matter rather than an automated response, so I am filing a complaint with the Consumer Protection Financial Bureau in hopes that they would actually investigate, respond, and close my account. 

I have already placed a credit freeze on my account ( from years ago ). 
I have placed a security alert on my account with the credit reporting agencies. 
I have placed an alert with XXXX ( which Chime does not participate in ) in order to prevent other bank accounts being opened fraudulently. 
I am happy to provide additional information as needed to settle this. I want the account to be closed and any activity to be marked as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX  XXXX  has a XXXX XXXX XXXX XXXXXXXX account for my name with a XXXX, XXXX  address, and I have never live state XXXX, know zero about this account collection, and have repeatedly try speak XXXX  XXXX, and they indicate since late XXXX, XXXX, 2021, that if not my account that fraud close account and cant reopen, and they frequently hung up telephone results credit collection agency, and try correct this all credit bureau, and my credit score which already correct XXXX and XXXX, and indicate remove XXXX  address from my credit file account bureau, but experian wants this further information to correct my credit bureau report inaccurate account and nothing to do me state XXXX, and our only legitimate address XXXX  and 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 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: D. SCOTT CARRUTHERS
State: VA

Complaint narrative:
Getting repeated calls from a XXXX XXXX threatening to come to my job and demand that I sign papers for a court order that is on her desk. She also wants to see my supervisor and have my supervisor act as a witness in the signing of those documents. She is calling from a Georgia number - XXXX. I am located in Washington , DC.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
This company contacts me up to 5 times a day 5 days a week. They contact my work number even though I have told them I can not receive calls. They contact my husband and my elderly father in law on their personal cell phones. When they contacted my elderly father in law they lied to him and said they were from the hospital. They are harassing 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 2021-10-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a Cease and Desist Letter to PHHXXXX XXXX XXXXon time barred debt mortgage has expired by the statue of limitations. The have acknowledged this on several occassions.All Correspondence has been Certified and return receipt, PHH received these letters and I sent a backup To The XXXX XXXX  XXXX  in XXXX County as witness to that facts over 10 to each one. Every month they send a bill with an attachment stating Failure to pay will result in fees and foreclosure and loss of my home. Original loan started XX/XX/XXXX with XXXX XXXX sold to Ocwen loan Services around XXXX or so.XX/XX/XXXX Sold to PHH Mortgage a of Ocwen -PHH Mortgage. Interest Only 15 years Original amount {$260000.00}, now amount is {$280000.00} Monthly payment {$780.00} now changed to {$2800.00} .Also sent an Estoppel Letter and a No trespass letter like I mentioned all return receipt requested. 
Sent to credit bureau a dispute that this company not a part of original contract. They show on it contract is cancelled. Fair Credit 805 ( b ) 2 805 of Code of Civil Procedure for California enacts additional limits and collecting on tim barred debts. The new law 2013 Act California Debt Buying Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Had a loan through PNC bank for a XXXX XXXX XXXX, I never missed a payment. This guy offered me a crazy price for it so I figured Id just sell it and buy something new. Anyways the guy wired the money to pnc they excepted to money guy took the car, I still have the lien release thank XXXX I didnt give it to the guy because come to find out the money he paid with was stolen from someone else so pnc have to funds back. Now I have now car and theyre trying to make me and XXXX XXXX to pay for it when In al reality I wouldnt have let the car leave my house unless I had that lien release. -XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IL

Complaint narrative:
i have sent in a police report also i have disputed the accounts and ask for the company to send me information regarding the account also send me proof i signed up proof of my signture and my proof that this was me.. they sent me only a bill nothing else and my name and someone else name on the bill.as i stated to them this is not my account nor did i apply for the credit cards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
The company sent an escrow check in just my name, because my husband is deceased ( XXXX yrs ). I cashed check with no problems. My mortgage was recently paid off. Now BB & t sent the refund after paid off check, in both my name and my deceased husband. No consistency with my account. I sent XXXX XXXX the now required statement my husband is deceased, and send refund check in just my name. Remember months earlier they issued escrow check in just my name. There is no consistency.

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 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
This situation has been ongoing since last year when Citi closed my credit card account for no reason. That's fine. But then Citi increased my minimum payments from {$60.00} per month to {$330.00} per month. Then citi refused to accept my payments and cash my checks. Citi has to date never cashed my check or accepted my {$330.00} payment from XX/XX/2020. I refuse to continue sending in checks that Citi will not cash or process. In addition, even though this account is in ongoing dispute, Citi has proceeded to mark the account delinquent and send through the collections process. I received a letter from Citi offering to settle the account for {$1200.00}. I called Citi and accepted their offer. They told me never mind it was rescinded and sent the account to collections and marked my credit report as delinquent and late although Citi refuses to cash the payments I have submitted. At this point it is clear that Citi has no interest in ever resolving this matter, Citi has no interest in accepting my money or payments, and Citi 's only goal here is to ruin my credit and attempt to mark my account as unpaid and overdue even though they are the ones refusing to accept my payments and cash my checks.

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 2021-10-04 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: PA

Complaint narrative:
The follow account and Inquiry information does not belong to me. 

XXXX Account # XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$410.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation