vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance {$250.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance {$960.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$600.00} Opened Date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
I received a notice of a debt owed which I sent in a payment and the check was cleared on XXXX XXXX, 2021. I continue to receive notices the debt has not been paid and phone calls. I have sent two notices back with copies of the cleared check in XXXX and XXXX yet the debt collections agency claims they have no record of the debt paid off. I am attaching one of the bills I have received along with a copy of my paid check in the full amount with the account number on the check. I received a phone call today and the person from the company first told me he checked with a supervisor to see if the debt was paid then changed his story to he checked an automated system. He refused to allow me to speak to a supervisor and stated they had no email address available for me to send the copy of the check and notice but wanted my e-mail. The company is A.R.M Solutions , Inc. address is XXXX XXXX XXXX XXXX Ca. XXXX ; ( XXXX ) XXXX ( This information is from their website ). The notice has a XXXX XXXX XXXX XXXX and phone ( XXXX ) XXXX. Their website lists an email address XXXX. Thank you for your assistance in this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received a letter from Chase Customer Service dated XX/XX/XXXX instructing me to call XXXX. I phoned and was informed that I needed to visit a branch to clarify some account information to do with XXXX coding. Sometime between XX/XX/XXXX and XXXX visited the branch and was helped by two employees, who took my information, worked with the account on a computer, and told me that the issue should be resolved. 

I did everything they asked but on XX/XX/XXXX I discovered the account had been frozen. I phoned and talked to Compliance and was told that I had to see a Banker in person at a branch to get the freeze removed. I then contacted and began working with XXXX XXXX, Assistant Vice President, Private Client Banker, in person at least 7 times in XX/XX/XXXX, XXXX of which were on the same day different times, and multiple phone conversations of which the last three were on XX/XX/XXXX, XXXX, and XXXX stating that we are so close to resolving this issue. 

As of XX/XX/XXXX the issue remains unresolved and the account is frozen. 

This account was opened and used continuously since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET theE credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These accounts are inaccurate. These are the items I demanding to be deleted immediately : Invalid inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Late payments Bank of america XX/XX/2021 was reported late this is inaccurate Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 



2. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Bank of america XX/XX/2021 was reported late this is inaccurate Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 


False inquires these are invalid. 

XXXX XXXX ( XXXX ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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 2021-12-22 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from XXXX and XXXX. Please see below the list of accounts that are reporting derogatory on XXXX and XXXX. 

1. Identity Theft AM HONDA FIN Account Number : XXXX This is not mine. 

2. Identity Theft AMERICAN HONDA FINANCE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX XXXXI Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/2021 This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

7. Identity Theft XXXXXXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I called to close an account and they said it was closed however the account is still open they just removed my access from the account. 
An investment account was opened without my permission!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: TX

Complaint narrative:
A collection was placed on my Transunion credit file on XX/XX/2019. Upon reviewing the item on my credit file, I immediately responded with a challenge letter, requesting any additional information on the account. After several letters, the account was deleted then reinserted about a month later without properly notifying me. Blatantly violating the Fair Credit Reporting Act which clearly states, the consumer reporting agency is to notify the consumer through a written letter within five business days after the determination is made. A violation which carries the fine of up to a thousand dollars. 
However during an investigation of my own, I was able to contact the alleged seller of this account. 
Along with this correspondence, I have attached an Email from a representative at the XXXX apartments in XXXX, Texas. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. Phone number ( XXXX ) XXXX. The gentleman was unable to verify any claims that I signed a lease agreement with the apartment complex in question. 
Furthermore, despite numerous requests, Transunion has failed to show any details of their so called reinvestigation, age of the source of this debt, details of any breakdowns regarding interests and fees. According to the FCRA, Transunion is in direct violation of my rights as a consumer. And I am exercising my rights by requesting legal action in order to immediately remove this item from my credit file. 
Lastly, I would like to take this opportunity to remind this consumer reporting agency that they are not above the law. And they are here to serve the people legally and honestly.

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 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied in XX/XX/2021 to refinance my mortgage with Wells Fargo who currently service my loan. I applied for a 15 year term from 30 years currently and a lower interest rate. Currently it's 4.375 % and I was quoted 2.375 %. No cash out. My home is a low income housing unit in which requires certain criteria to be met in order to refinance. I have met all criteria and am qualified. Wells Fargo is on the list of qualified lenders for low income housing however they have no idea how to close this loan. Its been 6 months and I've called every 3 days or so and have been working with the mortgage processor and still every time I call I get a different excuse. I feel that they are discriminating because its a low income housing unit and I've complained to all departments, supervisors including the XXXX XXXX XXXX. Wells Fargo continues to tell me that they are working on my loan in which I've qualified for and every document needed I have submitted. It's been 6 months going on 7 of nightmare dealing with this bank. Please help.

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 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Scammed called, sent XXXX via XXXX Cant reach bank

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 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent a certified letter to FTC ( XXXX ) that a XXXX XXXX reported negative on credit bureaus. XXXX XXXX has removed the negative XXXX XXXX from there system. I was informed when I called that the FTC sends to the mail room and sometimes the CFPB gets it and sometimes not. 

Attached you will find the letter I send to you on XX/XX/2021.

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 2021-12-22 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: AZ

Complaint narrative:
Company : Chase Bank XXXX XXXX, 2021 Received an unauthorized purchase on my debit card ( ending in XXXX ), XXXX XXXX. Chase removed the transaction and sent me a new debit card ( ending in XXXX ). 

XXXX XXXX, 2021 XXXX XXXX charged {$49.00} card ending in ( XXXX ) XX/XX/2021 XXXX  charged {$49.00} card ending in ( XXXX ) XXXX  charged {$49.00} card ending in ( XXXX ) XX/XX/2021 XXXX  Pending charge {$27.00} card ending in ( XXXX ) Card ending in ( XXXX ) has not been activated by me yet. It is extremely concerning that an un-activated card can be used by fraudulent persons. It also concerning that Chase does not document contacts on fraudulent charge matters. For financial reporting issues these are huge red flags. 

Contacted Chase to remove fraudulent charges on Checking account. XXXX at Chase said he would facilitate removing the charges from my account. Was told by Chase that since it was in a fraudulent individuals digital wallet there was nothing I could do to resolve it. Chase is the entity responsible for resolving the situation. I was on the line with Chase fraud services for XXXX minutes. 

XX/XX/2021 XXXX charge for {$27.00} accepted in my checking account. 

Contacted Chase fraud ( XXXX ) to inquire why I still have XXXX fraudulent XXXX  charges on my Checking account. Told by Chase that they have no record of past conversations of me reporting the fraud. Support rep told me that this fraud is handled by another department and I would need to contact them. Support rep transferred me to senior lead in the fraud department. None of my issues have been resolved. 

27 days is too long to for fraudulent charges to continue. 

There are significant financial control issues being violated here. I can't use debit card ( XXXX ) because it hasn't been 'activated ' yet. A fraudulent user who allegedly put my prior card ( XXXX ) in their 'digital wallet ', had the digital wallet send them my new XXXXunactivated ' debit card ( XXXX ), and the fraudulent individual is free to use debit card ( XXXX ). Who designs a financial system that operates in this manner, and doesn't empower employees to resolve issues?? 

Chase won't remove the XXXX charges from my checking account. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: KY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: KY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-22 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: WA

Complaint narrative:
Guaranteed Rate mortgage has three month in a row said they did not get my payment on time. The first time XXXX was resolved quickly. XXXX check was cashed but them they said it was not received. I sent them a copy of the cashier check ( at my cost ) but it is still not cleared. I paid the next payment by US mail and they say they did not get it and I am in default. I am being charger late fees and I believe they are trying to put me in default because I put XXXX down on the house and that would be profit if they default my loan. This company has been difficulty from the start of the loan process and I am concern this is a standard business practice for them. I have spent 25 hour trying to resolve this between my credit union and call to them.

Company response to consumer: Closed with explanation