vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I was issued a credit report by Equifax with the confirmation number of XXXX, after reviewing the credit report I noted that Equifax had been reporting my name as XXXX XXXX on it with an outdated address reporting as my current address. Since this credit report was grossly inaccurate I sent a challenge into Equifax to correct this information and haven't heard anything back. 

Background In XX/XX/XXXX, I underwent a legal name change from the name XXXX XXXX XXXX to XXXX XXXX XXXX. After the name change, I notified all the credit bureaus to update their records with the court order. All the credit bureaus did update their records to the new name of XXXX XXXX initially, but for some unknown reason Equifax has took it upon themselves to change my credit file back to my old name and publish an outdated address as my current one ( this has caused several accounts to go missing on file ) I have tried to correct this information with Equifax to no avail, and at this point I believe Equifax is working with a third party ( s ) to commit fraud against me to cause me financial harm. I have previously requested that Equifax send me the contact information for this third party who is either furnishing and/or instructing the credit bureau to publish this grossly inaccurate information, Equifax never responds to me or provides me with the third party ( s ) information in accordance with the credit laws. My recent challenge sent to Equifax dated XX/XX/XXXX and Delivered Certified Return Receipt ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX ending in XXXX is reporting as open on my experian credit report when the account is closed. I disputed the status error mutiple times with experian with no fair resolution. attached is documentation showing all XXXX XXXX credit card accounts have been closed. I want this account status updated immediately and experian to show proof of method of verification on there part.

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 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase charged overdrafts fees allowed charges on account and refused to allow myself with POA to speak to me on my XXXX XXXX XXXX grandmother 's account. Froze her funds when she was XXXX  and had XXXX. Could not pay her board and care. Took over a year to finally get authorization to speak to them but said I could only close the account and take money out. Made me sign I would not make any claims before they would give me funds. Allowed internet charges when I told them she had told them not to. There was even a note on account. Chase allowed me access to this account until I complained and wanted to be refunded. I also am her executor and only beneficiary. She has passed now and I am still trying to pay depts. I lost my bank account trying to keep her care. Chase was aware I was handling her account and froze her funds after I complained. They said they wanted no association with me due to fraud in the past. I had several accounts with them myself and POD accounts for my aunt as well as stock. They forced me to close account to not refund charges. I went and took paperwork 4 times. They are taking advantage of the elderly knowing she was sick. Chase would give credit than take away the credit. As you can see I tried to resolve these matters on my own. Adore me was the only one to help with some. It still caused many fees. XXXX XXXX said no account in her name. XXXX XXXX XXXX said I had to go thru the bank. Flex shopper I did not contact due to the stress and other personal responsibility gave me no time and Chase would no work with me. I have a chronic illness myself and I had so much to handle. My grandmothers info was found in someone's possession and the DOJ notified her but Chase never cared to even look at the papers. I don't know if her information was used or not. I was charged all this money and they knew I complained. They avoided paying by only giving me one option which was to add me for 1 day than close account also sign I would not files any claims. This is unfair and I am asking for help for what is rightfully due. I sent a lot of paperwork but there is more if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-16 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened the account and then I lost online access and they are not letting me access my account depriving me of access to my information and funds

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 2023-02-16 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: OR

Complaint narrative:
I have tried to fix the XXXX late on my credit report from XXXX XXXX XXXX XXXX XXXX XXXXXXXX since XX/XX/2022. My credit report is showing correctly that I paid in XX/XX/2022 I paid my whole balance off and in XX/XX/2022 I made a payment due to me paying my balance off in full there was no payment due in XXXX XXXX strange because if i made timely payments in XXXX and XXXX where is the XXXX  day late I have sent the statement from the bank stating there was no payment due in XX/XX/2022 but my rights were violated again by XXXX and Equifax The account is closed but Equifax has it reporting open with a late payment while XXXX has it closed with a late payment they both are violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/23 I made a deposit with TD Bank at XXXX XXXX XXXX XXXX XXXX, NJ XXXX in the amount of {$4000.00} given to me by my father. I have not been able to access the money due to XXXX separate holds on this check for no stated reason. Despite providing the necessary paperwork requested to approve this check, I have consistently denies access to my money as fees build up. I have reached out to the bank and spoke with a XXXX XXXX, who was unhelpful, laughed at me over the phone and has since not returned by call after informing me he would speak with his manager. The second person I spoke with at the bank, a woman named XXXX was more helpful and despite her her attempts was unable on her end to help release funds. 

Ive done business with this bank for more than 3 years and have never had an issue before. I am unable to access this money and have since had my accounts that take payment from this account return. This bank and this XXXX transaction have been detrimental. All I am asking for is a release of my money so that I may close this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
On XX/XX/23 I contacted Credence Resource Management , LLC in response to a letter received in the mail, letting them know that I dispute the debt and requesting them to provide documentation proving that the debt was mine prior to taking any further collection actions. 

On XX/XX/23 I received a response from Credence Resource Management , LLC confirming that they received the dispute. 

On XX/XX/23 I was informed via credit monitoring that the account had been reported as delinquent despite Credence Resource Management , LLC failing to provide any of the required proof or documentation of my ownership of the debt, and failing to inform the appropriate credit agencies of the disputed status of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX my debit card number was stolen and over {$2000.00} was used on my account. I reported it to my bank and they blocked the card and I was issued a new card. On XX/XX/XXXX my new debit card number was stolen again and another {$2000.00} was stolen from my account.

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 monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
XXXX, XXXX and Complaint against " Caliber Home Loans, Inc. " ( a fictitious name used by XXXX XXXX XXXX XXXX and XXXX XXXX as a cover up ) and XXXX XXXX  XXXX, an XXXX XXXX  who operates massive Ponzi Scheme via sham conduits - XXXX XXXX and XXXX companies who collect all my money and who forged documents to steal my home. 

On XX/XX/XXXX " Caliber '' ( dba XXXX, aka XXXX XXXX ) provided evasive and full of lies respond to CFPB saying that " Caliber '' was a Servicer for my alleged " loan '' who purportedly " processed '' my payments, charges and advances while " Caliber '' was a " Serviver '' of my " loan ''. 

First, Caliber never was a Servicer of my alleged " loan ''. The REAL servicer was XXXX XXXX, XXXX ( former XXXX XXXX XXXX XXXX XXXX ) who acted under instructions from XXXX XXXX  who used XXXX XXXX XXXX XXXXXXXX XXXX  as an intermediary. 

XXXX XXXX XXXX XXXX used name of " Caliber " as a cover up. 

Second, Caliber [ read : XXXX ] never collected or processed any of my payments. It was done by XXXX XXXX XXXX who collected all my money and deposited them with XXXX XXXX XXXXXXXX. If XXXX did it- and it was admitted in writing, then Caliber did not do it. 

" Caliber '' [ read : XXXX ] claimed that the servicing RIGHTS [ not actual servicing activitirs ] were transferred from faux " servicer '' Caliber [ read : XXXX XXXX XXXX XXXX ( whose address is XXXX XXXX XXXX XXXX XXXX, XXXX TX ) were " transferred '' to fictitious corporation XXXX XXXX XXXX XXXX XXXX, a single member XXXX incorporated by XXXX XXXX as a cover up for XXXX, XXXX hedge fund, Caliber and XXXX  are both reformed XXXX XXXX, " accrued '' by XXXX XXXX XXXXXXXX in XXXX and restructures into a chain of faux companies who play roles of " servicers '' - without any servicing activities.. 

" Caliber " claimed that they provided " legit documents '' realted to my " ; loans '' such as forged XXXX  from faux " lender '' XXXXXXXX XXXX XXXX " Caliber '' on XX/XX/XXXX ( which " Caliber '' refuse to admit ) ; and undated forged Allonge where " Caliber '' " transferred '' to someone " loan '' which belonged to " XXXX '' according to " Caliber '' 's own words I demand disclosures based on which authority " Caliber '' prepared undated XXXX  where they transferred XXXX '' 's loan. 

I demand disclosures when this Allonge was prepared, and to WHOM " Caliber " transferred this Allonge I demand disclosures WHOM " Caliber '' was servicing all this time if XXXX has no records of Caliber 's servicing, proven by XXXX official responses I demand disclosures WHO authorized transfer of " Servicing rights '' from XXXX XXXX " Caliber '' [ XXXX XXXX ] to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the name of an individual employee at Caliber [ XXXX XXXX who approved this transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Pursuant to 15USC ( e ) ( b ), I am disputing the item listed below with Equifax because there reporting is inaccurate compared to the other credit reporting agencies. FCRA / CFPB requires the credit reported information should report 100 % accurate across all reporting agencies. This account is not reporting accurately with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: MN

Complaint narrative:
I am not sure if they investigated the disputed items because there's no changes when I checked my credit report. Under 15 U.S. Code 1692e. False or misleading representations- ( XXXX ) they failed to notate the disputed accounts and it was in dispute within 30 days now. Those account are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo continues to engage in unfair and illegal banking practices against their customers and small businesses. They continue to place holds on funds and overdraw your account against the funds they placed on hold and charge you a { {$35.00} } overdraft fee. Then they claim your paper deposit checks are placed on hold and only allow certain amounts of the funds to be available sometimes XXXX hours or as long as 10 days. It's a harmful cycle to consumers that they continue because they make money on the overdraft. When it comes down to deposits and credits versus debits on ATM withdrawals and debit card purchases. They will take the debits out first to purposefully overdraw your account and charge you fees. Or they will take the largest debit first so they can hit you with multiple overdraft fees on all of your smaller debits. Have the transactions pending for days before they clear so the balance of account was never accurate When you know more funds where in the account This is an illegal practice that Wells Fargo has been doing for years and get caught and called out they just end up paying fines and it continues. I have been a customer with them for 4 years both personal and business and if I were to add everything up over the period they would likely owe me thousands of dollars in money they stole from myself and my business. Wells Fargo deserves more than being able to get a slap on wrist pay a fine and act like this never keeps occurring Someone should go to jail.

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 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX, XXXX and Complaint against " XXXX XXXX XXXX XXXXXXXX " ( a fictitious name used by XXXX XXXX XXXX XXXX and XXXX XXXX as a cover up ) and Bank of America, an XXXX XXXX  who operates massive Ponzi Scheme via sham conduits - XXXX XXXX and XXXX companies who collect all my money and who forged documents to steal my home. 

On XX/XX/XXXX " XXXX  '' ( dba XXXX, aka XXXX XXXX ) provided evasive and full of lies respond to CFPB saying that " XXXX  '' was a Servicer for my alleged " loan '' who purportedly " processed '' my payments, charges and advances while " XXXX  '' was a " Serviver '' of my " loan ''. 

First, XXXX never was a Servicer of my alleged " loan ''. The REAL servicer was XXXX XXXX, XXXX ( former XXXX XXXX XXXX XXXX XXXX ) who acted under instructions from XXXX XXXX  who used XXXX XXXX XXXX XXXX, XXXX  as an intermediary. 

XXXX XXXX XXXX XXXX used name of " XXXX " as a cover up. 

Second, XXXX  [ read : XXXX ] never collected or processed any of my payments. It was done by XXXX XXXX XXXX who collected all my money and deposited them with Bank of America. If XXXX did it- and it was admitted in writing, then XXXX did not do it. 

" XXXX  '' [ read : XXXX ] claimed that the servicing RIGHTS [ not actual servicing activitirs ] were transferred from faux " servicer '' Caliber [ read : XXXX XXXX XXXX XXXX ( whose address is XXXX XXXX XXXX XXXX XXXX, XXXX TX ) were " transferred '' to fictitious corporation XXXX XXXX XXXX XXXX XXXX, a single member XXXX incorporated by XXXX XXXX as a cover up for XXXX, XXXX XXXX XXXX XXXX  and XXXX  are both reformed XXXX  XXXX, " accrued '' by Bank of America in XXXX and restructures into a chain of faux companies who play roles of " servicers '' - without any servicing activities.. 

" XXXX  " claimed that they provided " legit documents '' realted to my " ; loans '' such as forged XXXX  from faux " lender '' XXXX XXXX XXXX  " XXXX  '' on XX/XX/XXXX ( which " XXXX  '' refuse to admit ) ; and undated forged XXXX  where " XXXX  '' " transferred '' to someone " loan '' which belonged to " XXXX '' according to " XXXX  '' 's own words I demand disclosures based on which authority " XXXX  '' prepared undated XXXX  where they transferred XXXX '' 's loan. 

I demand disclosures when this XXXX  was prepared, and to WHOM " XXXX  " transferred this XXXX  I demand disclosures WHOM " XXXX  '' was servicing all this time if XXXX has no records of XXXX XXXX servicing, proven by XXXX official responses I demand disclosures WHO authorized transfer of " Servicing rights '' from faux Servicer " XXXX  '' [ XXXX XXXX ] to faux corporation XXXX XXXX XXXX XXXX XXXX, and the name of an individual employee at XXXX  [ XXXX XXXX who approved this transfer

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 2023-02-16 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: MN

Complaint narrative:
I am not sure if they investigated the disputed items because there's no changes when I checked my credit report. Under 15 U.S. Code 1692e. False or misleading representations- ( 8 ) they failed to notate the disputed accounts and it was in dispute within 30 days now. Those account are in violation.

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