vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX XXXX XXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # 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 2022-05-27 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: WA

Complaint narrative:
After spending the last two days on the phone with chase fixing things with my account they decided to close it. I have currently {$10000.00} in the account and called bot today and yesterday to let them know per the deposit agreement I signed when I opened the account there is nothing in that agreement that states I have to wait for them to mail me a check and told them twice now that I would go to the close branch to get the remainder of my funds in the accounts at time of closing. Both times I went to the branch they have told me they never recieved those instructions and said they would mail me a check. This is beyond crazy and I dont understand how they can hold my money when I have said twice know I will go to a branch to get the funds. This has cost me alot of time that I dont have to waste being on the phone and going into the branch just to be told no. The customer service people are flat out lying to me on the phone and not doing what they say they are and I dont understand how they can or are getting away with this. They need to give me my money now and not keep telling me something they arent doing. Do not use chase they have very poor customer service and basically will steal your money and keep you from getting it which is super illegal I feel. Chase by choosing not to give me my monery is basically stealing from me and there is no document I signed that states when they close my account that I cant go to the nearest branch to get the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: LEXISNEXIS
State: VA

Complaint narrative:
I made a complaint to CFPB in regards to an issue that Im having with LexisNexis they have failed repeatedly to fix this issue of reporting inaccurate information to XXXX, XXXX, XXXX stating that they received this information from a valid source the XXXX XXXX XXXX BANKRUPTCY COURT. I am also providing a statement from the court that they do not provide any information to the credit bureaus, also I will attach the notice that I mailed to LexisNexis in regards to this issue, along with the letter they sent back stating the received this information from the XXXX XXXX XXXX, I have been going back and forth with lexis nexis about this issue and they have failed to get it right. And they are unable to provide me validity from the court that gave them this information so under the FCRA they are to remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: AZ

Complaint narrative:
BSI Financial has refused to remove XXXX XXXX  XXXX from my account. 

I submitted an official appraisal report on XX/XX/2021 indicating that the market value of the property had increased to {$610000.00} - meaning my equity had surpassed the 20 % threshold. 

I was told that XXXX would be removed within 30 days of submitting the official report/appraisal. 

I have contacted the company via phone, email, and messaging system at least 3 times since to follow up and have the XXXX  removed and associated charges refunded. 

They have never responded and the customer service associates are unwilling to connect me with the underwriting team directly to sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Transaction date XX/XX/2022 Money transfer with account number incomplete how is posible the now the bank don '' t know were is my XXXX is for the purchase of a land in FL, closing day is today XX/XX/2022 Are bank keep postponing were we going to loose even the posit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I vacated an apartment and cancelled XXXX internet service in XX/XX/XXXX. In XX/XX/XXXX, a collection notice was posted on my credit report, resulting in a major drop in my XXXX credit score. 

I was never contacted by XXXX by phone or mail. Nor did I receive any phone or mailed notice from the collection agency ( franklinservice.com ). I only found out about this claim by checking my credit report. 

The collection agency has not provided the original bills... they only have ones showing an overdue amount with additional interest. I keep requesting the original bills, as I have no idea what the charges are for, or if they're valid. When I occupied the apartment, I paid my bills automatically via credit card, so I was always paid in full and on time. 

My internet searches have shown that this is a common practice with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: NC

Complaint narrative:
This company XXXX XXXX XXXX has placed several medical debts on my account for dates that in no way possible can be accurate, they are reaged by more than a year. This company and other fraudulent companies like it ILLEGALLY re-age debt to when they received the debt not the date of original delinquency which is required by law. Every filing they have on my credit report is federally illegal due to re-aging of debt. Transunion is guilty of ignoring disputes and marking them as accurate when they don't bother to investigate at all.

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 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: AMERISAVE MORTGAGE CORPORATION
State: ND

Complaint narrative:
Company keeps texting, calling, and emailing, even though I have requested them to stop.

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 2022-05-27 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: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
The below inquiry appeared on my XXXX XXXX XXXX report. 

I did not give permission to SAN DIEGO COUNTY CREDIT UNION to inquire about my credit. 

I contacted XXXX, XXXX and San Diego County Credit Union to find out who made this inquiry. 

NOT ONE OF THE COMPANIES ABOVE THAT I CONTACTED COULD HELP ME IN FINDING OUT WHO AND WHY THIS INQUIRY WAS MADE!!!!!!! 

Alert Type New Inquiry via XXXX Processed Date XX/XX/2022 Creditor Type Credit Unions Alert Date XXXX Creditor Name SAN DIEGO COUNTY CRED Phone Number ( XXXX ) XXXX Creditor Address XXXX XXXX XXXX , XXXX XXXX , CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Equifax XXXX XXXX, This is a formal notice that you both, Equifax And XXXX, have failed to respond in a timely manner to my dispute letter that was received by you both no later than XX/XX/XXXX deposited by certified mail with the U.S. Postal Service on that date. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 
Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and pursuing a federal lawsuit should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified, accompanied with the method of verification and, following failure to verify, DELETED from the report as soon as possible : 1. ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

XXXX. ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

XXXX. ) Account : XXXX XXXX XXXX XXXX XXXX  Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

XXXX. ) Account : XXXX XXXX XXXX XXXX XXXXXXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

XXXX. ) XXXX XXXX  XXXX Instructions : THIS ITEM IS INACURATE AND UNVERIFIABLE. PLEASE DELETE! 

The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days. 

FAILURE TO DO SO WILL RESULT IN LITIGATION FOR FULL DAMAGES! 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Berlin-Wheeler, Inc. (Kansas)
State: MO

Complaint narrative:
This debt is not mine this company will not delete this debt off 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 2022-05-27 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: ERC
State: MO

Complaint narrative:
This debt is not mine this company will not delete this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
This is a very confusing story but, all in all, as you will see will be very obvious it is not my fault. My cellphone, USAA bank acct, XXXX, XXXX, and XXXX XXXX was hacked and all funds were emptied. 
On Approx XX/XX/XXXX I went into a gas station ( pics included ) and paid using my XXXX  phone with XXXX XXXX  for the first time ever. I paid using my phone as my card was in my car and I was too lazy to go and grab it. So I sat at the self-checkout line with my things and set up the XXXX XXXX then tapped my phone and paid for my stuff. I never thought anything more into this until weeks later. 

On XXXX XXXX  is when the draining of the accounts started. The hacker emptied my USAA checking and savings then, my XXXX XXXX ( transferred the money into bitcoin then took it out ), and XXXX. And they were able to cash a FRAUDULENT check for XXXX in my name to some random person then they immediately took {$4500.00} out to someone I didn't know via XXXX XXXX. They did all of this XXXX night at XXXX or so EST and I did not notice until XXXX XXXX  EST on XXXX day. USAA said to file a police report and then I can say there is fraud on my acct. I filed a police report days later approx XXXX XX/XX/XXXX with officer XXXX XXXX at XXXX XXXX county sheriff 's office regarding my phone, USAA bank acct, XXXX, XXXX, and XXXX XXXX  being hacked. USAA said it was under investigation for over 90 days while my account was still in the negatives and they took XX/XX/XXXX and XXXX XXXX paychecks to cover the negative balance for my checking which at the time was {$4500.00}. Because the fraudulent check didn't go through and I 'owed ' them {$4500.00}. My taxes came in from the IRS and they took all of that as well. I owe USAA nothing now but, I never should have owed them from the beginning. I want my money back. My credit has gone down almost XXXX points because I wasn't able to pay bills. I had to take out an additional loan or two and the stress of not being able to find where my next meal for my family and I. {$4500.00} may not seem like a lot but, I don't have it like that. I am XXXX XXXX XXXX XXXX and it is a shame they do this to servicemembers and their families. I was forced to get another job to provide for my family and make ends meet. 

I will attach screenshots from my cell phone regarding the messages that I have never seen or read but whomever has access to my device was able to reply or check them for me. 

Remedial actions : New phone, SIM card, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I never applied for a credit card account with Bank of America. 

I received a letter from Bank of America ( BoA ), dated XXXX XX/XX/XXXX, indicating they detected suspicious activity on my credit card and they were temporarily suspending my account. The letter also stated they would close my account if they did not hear from me within 25 days. On XXXX XX/XX/XXXX I received another letter from BoA, dated XXXX XX/XX/XXXX, stating I've " been approved for your BoA credit card account ''. That I would receive a " card '' within 2 weeks for a credit line of {$20000.00} and a credit line of {$6000.00}. 

I have tried to contact BoA many times but can not speak to anyone unless I have an account or give them my SS number. I do not have an account number and will not give them my SS #. I also filed a dispute with XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX when my credit report showed an open BoA credit card account. XXXX removed the account. The dispute with XXXX is still in progress.

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 2022-05-27 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 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian and XXXX are reporting a medical collection on my credit report. This a direct violation of my privacy and a direct violation of the Fair Credit Reporting Act. I sent a debt validation letter a few months ago. I have not received a response. It has been past 45 days. This is also a direct violation of the Fair Credit Reporting Act. Please remove account immediately.

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 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
Starting in XX/XX/XXXX we started to receive emails from a XXXX account stating we had a past due balance. I was able to check our account and I could not find anything past due so I figured this was a phishing scam. We continued to receive emails from this email account ( XXXX & XX/XX/XXXX ). 

XX/XX/XXXX we received a collections letter from XXXX. At this point I contacted XXXX to insure this was not an actual bill. Case # XXXX was created by XXXX and XXXX ( support ambassador for XXXX ) was able to confirm that this was not an actual bill from XXXX that they are trying to collect. 

We reported this scam to the FTC XX/XX/XXXX. 

Yesterday ( XX/XX/XXXX ) I received a new email from Caine-Weiner trying to collect this bill. 

All documents have been added for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX have reported false fraudulent information to the 2 credit agencies XXXX and XXXX. 

I have written to the company XXXX XXXX  XXXX letting them know the account is not mine. I never signed any contract with anyone at XXXXXXXX XXXX XXXXXXXX or had ever dealt with them. I have written a letter to them and all 2 credit agencies to immediately remove this fraudulent information. The amount which XXXX XXXX 's current claim is due is {$2100.00}. The amount has increased since XX/XX/2022. Whys is this Happening? This appears to be an identity thief. Please help to remove this item 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