vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
jpmcb pulled credit i never applied

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal decided to close my account without a valid reason. I submitted all relevant documents that they did ask me to provide but my account still got terminated. It is my belief that my account was not handled with any care during the review of my documents because otherwise I would have my account back. 
Please help follow this up for me as my account closure was not fair at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
URGENT! MY MARCUS ACCOUNT IS FROZEN I transferred my funds from XXXX XXXX and XXXX Bank to Marcus by Goldman Sachs. Shortly thereafter, I entered into escrow to buy a home. Now, Marcus has frozen my account with {$260000.00} in it. 

Marcus says they won't release ANY of my funds until they can verify the account ownership of my XXXX XXXX  account ( which is now closed ) where SOME of my funds came from. They verified ownership of my XXXX Account where the rest of my funds came from, but they won't give me access to those funds either. 

XXXX Bank is in the middle of a merger or reorganization and can't be reached by phone due to 100 plus minute wait times that never get shorter. I have spent hours on the phone with Marcus. 

Marcus said they could also verify ownership of my former XXXXXXXX XXXX account by a copy of an account statement, but it had to be sent by mail. 

I sent them a copy of my XXXX bank statement by XXXX Mail XXXX. According to the tracking number XXXX it is " ready for pick up '' but no one at Marcus can guarantee that my funds will be available to wire in time for my escrow close. Meanwhile, I need immediate access to these funds in order to fulfill my escrow obligations or I may lose out on my purchase and forfeit my {$21000.00} deposit. 

Please help. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: GA

Complaint narrative:
I WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN

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 2022-07-18 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:
I have attached an FTC report with an account and inquiries I did not authorize

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 2022-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account number # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account number # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: NJ

Complaint narrative:
Hello, I have three Items that do not belong to me on all three of my Credit Reports ( XXXX, Transunion, and XXXX ). For the past 2 years I have been fighting to have these items removed. Several of my letters have requested that they send me proof that the debt belongs to me. The bureaus are returning messages stating that the debt has been verified. They have said they verified the debt with the actual Creditor, But how has this debit been verified? no one has sent me any signature ID or anything that would confirm that I indeed have an account with the creditor. Over a month ago I sent certified letters to all three bureaus ( XXXX, Transunion, and XXXX ), requesting an investigation of the the items on my report that were incorrect. 1. XXXX  XXXX XXXX xxxxxxxxxxxx XXXX ( XXXX, XXXX ) 2. XXXX XXXX xxxxxxxxxxxx XXXX ( XXXX, Transunion, XXXX ) 3. XXXX XXXX xxxxxxxxxxxxxxxx XXXX ( XXXX, Transunion, XXXX ) 4. XXXX xxxxxxxxxxxx XXXX ( XXXX ) Not to Mention there are address that do not belong to me appearing on all three reports in which I've already sent in proof of address. These address should not appear as it does not belong to me. Where are they furnishing these addresses from, once agile im being told its from the Creditor, however if these accounts are not mine how can the Creditor verify an incorrect address? XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I received responses from XXXX XXXX XXXX and XXXX. All of which have either an incorrect address. They also have no proof that the account belongs to me. No ID no proof of signature. They are Falsely Reporting items on my report that have hindered me from getting a mortgage to purchase a home and purchase a vehicle. Also XXXX took me to court and as of XX/XX/2022 the case was dismissed with no Prejudice. XXXX XXXX submitted an application for said loan however, it does not have my signature it has an Initial and it also doesn't contain where someone witnessed me signing for this load with their signature. I will attach the Documents that were sent to me including a FTC report I filed and sent to the Bureaus in XX/XX/2022. 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. XXXX XXXX XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code {$1600.00} ( A ) ( 2 ), 15 usc 1692j ( a ). and 15 usc 1681e ( b ).

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 2022-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I lost my job back in XXXX. I contacted my mortgage service ( Dovenmuehle Mortgage ) at that time and applied for assistance with the loss mitigation department. I submitted all of the documents they requested multiple times an they still kept saying that I was incomplete. They sold my mortgage in the meantime and now the new mortgage company is saying that I have to start over again. I uploaded the documents, I emailed the documents and the last person I spoke to said that I had done everything that I needed to and they would get back to me. I do not have a job yet and am barely getting by and do not need this added stress. I feel like Dovenmuehle did this on purpose since they knew they were selling the mortgage. You can see by the dates and documents on the screenshot that they were indeed uploaded in their system and that I did everything they asked of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: NE

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
ON SEVERAL DATES I HAVE GONE TO ALL BRANCHES RE : NO ACCESS TO MY ACCOUNT BALANCE AT ATMS ( USING DIFFERENT BRANCHES : ITS ATMS USING DIFFERENTDEBIT CARDS!! 

NO BRANCHES WOULD ENTERTAIN KY SUGGESTION CLOSE ACCOUNT AND OPEN A NEW ONE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX- XXXX XXXX  XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX- XXXX XXXX  XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: GA

Complaint narrative:
I WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN

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 2022-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC.
State: FL

Complaint narrative:
The past few months I have been trying to apply for new credit cards as well as a car loan, I have also had some accounts closed for no reason at all... When I went on my credit report to see what was going on I saw that this company AFNI , Inc has reported on my credit that my account with them has been open since XX/XX/XXXX basically it appears on my credit that I RECENTLY opened this account, and defaulted on it in 4 months which is totally false... not only is it completely false but also a huge red flag to all lenders hence the reason nobody is extending credit to me and a few of my accounts were closed due to this... I have worked tirelessly on rebuilding my credit just for it to be snatched away from me... 

The Original Creditor of this account is XXXX XXXX XXXX. This account was opened in XXXX NOT XXXX and I had the account open for about a year before I fell on hard times and defaulted on it. This error has resulted in significant financial loss for me Tip : I have actually made a dispute on the CFPB Website towards XXXX XXXX ( which is the original creditor ) a few years ago. You can clearly see the date on that dispute is far before XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I received a vehicle loan for a XXXX XXXX XXXX from NC State employees credit Union in XX/XX/XXXX. After receiving the loan ( and vehicle ) the bank had issues with sending the title to the DMV. They told me it was lost in XX/XX/XXXX so I was never able to register the car. The original seller notified me that the bank did not send the title to the DMV but instead returned it to the seller. The DMV has returned payments to me for highway use and also the title application, which are proof they never received the documents from the bank. When I spoke with the bank they advised they wont do anything since I agreed to the loan. At this point I do not have the vehicle since the original seller was able to come with the police and retain possession as it is still in their name. I have paid over {$1000.00} towards the loan for this vehicle and I am still responsible for a remaining amount over {$10000.00}. I believe NC SECU should cancel the loan and return my loan payments as their negligence with the documentation has led to me not having the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX ; Account Number : XXXX Bal : {$15000.00} XXXX XXXX ; Account Number : XXXX Bal : {$990.00} XXXX XXXX XXXX ; Account Number : XXXX Bal : {$650.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

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 2022-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I never submitted inquiries to XXXX, XXXX XXXX or XXXX  mailed 2 letters to credit agencies and these agencies and no response

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 2022-07-18 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: GA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: TX

Complaint narrative:
First progress credit card XXXX # XXXX. I paid off balance. Had an agreement with creditor that if I paid balance it would be removed from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have had the account in CITI bank for over seven months. All deposits are cleared. I tried to transfer {$25000.00} from y Citi account to an account at XXXX XXXX This would still leave me with funds still in my Citi acct. I do online banking and on THEIR webpage for my account and Citi STATED I had {$25000.00} available for EXTERNAL transfer. I applied to have this amount transferred as requested. The page would not proceed to accomplish this. I pulled up the chat page and was told that I could only transfer {$10000.00} at a time and only {$15000.00} per month ( of course, it is MY money they are talking about ). When I informed the " chat '' person, after asking for a " real Person '' rather than a bot, I stated that THEIR webpage, which I had before me, STATED that I had {$25000.00} available for an external transfer ( I have included attachments affirming this ). They put me on hold, every five minutes I asked them if they were still there, after 22 minutes I cancelled the chat and printed out my whole conversation. All of this is documented below

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 2022-07-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
they do not want to replace the XXXX that I send the banco of america is XXXX dollars XXXX says that I cancel it and send me a check which has not arrived and that only online hey solve the problemand the don't is fraude for not XXXX pay me its already XXXX I'm XXXX XXXX XXXX XXXX for no page the rent homles and hel me for my money the XXXX they don'twant to give me the account number so they can replace it and banco de america doesn't want to replace it with 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