vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

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 2021-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2021-08-20 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: TX

Complaint narrative:
I am filing this complaint against TransUnion Credit Services & XXXX XXXX XXXX because TransUnion failed to protect my credit rating, the information contained in my credit report and my consumer rights against predatorily inaccurate information being intentionally reported and updated on my personal credit report. TransUnion knowingly allowed XXXX XXXX XXXX to report inaccurate and derogatory information on my credit report even after being provided all the necessary verification documents proving the information was false and that it was causing additional stress and harm on me and my businesses during the most unprecedented economic downshift caused by the COVID-19 Pandemic.

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 2021-08-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed seven number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX / XXXX. Date of inquiry, XX/XX/XXXX. 
2. US SM Bus Admin ODA. Date of inquiry, XX/XX/XXXX. 
3. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
4. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
5. XXXX  XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
6. XXXX  XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. 
7. XXXX  XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. 

I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, 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 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Global Equity Finance, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX signed online Closing Disclosure was good with it. On XX/XX/XXXX the notary came over at XXXX XXXX and had me sign papers. He was lining the paperwork up like three at a time for me to initial and sign. I never saw any figures or quotes. I assumed everything was as I signed online. Saw no figures and was shown none. The notary keep sawing it was the easiest signing he had and I didn't understand that until Friday night when I had time to sit down and go over things. I found that the Closing Disclosure that the notary brought left in my package was different from the one XXXX XXXX the Senior Manager Banker with Global Equity Finance had me sign online. Which I had a copy of in my computer. Copied it off and compared the two. The closing cost went up by {$1000.00} dollars. {$6500.00} to {$7500.00} The Cash at closing went down {$2500.00} from {$8600.00} to {$6100.00} and the Payoff to XXXX XXXX XXXX for mortgage loan went up {$1400.00}. along with other costs. I called XXXX XXXX Monday morning and told her everything that was wrong and I was going to sign the Notice of Right to Cancel. Which I had three business day to do per the paper work. She keep giving me excuses and telling me how it would be made up with what I would get back from XXXX XXXX. in escrow and what they would owe me and for me to wait till Wednesday. She keep telling me to wait till Wednesday. So Tuesday when I say what they had deposited into my bank account {$6100.00} vs new Closing Disclosure {$6100.00} I immediately signed the Notice to Cancel and sent it overnight delivery to Global Equity Fin. that day. I tried calling and XXXX XXXX all day Tuesday and she would not answer my calls or text messages I even emailed her. Wednesday the day she wanted me to wait till she called me that afternoon. Told me she did not say anything that she said and told me Monday was the third business day so I was to late.I thought Fri, Mon. Tuesday where the three business days. She said she didn't tell me the escrow stuff because she had no way of knowing that. Which she did. She had a copy of my XXXX XXXXXXXX XXXX XXXXXXXX. Then she said she would have her manager call me Thursday. Today. Which I waited and no one called. they are now ignoring me. Wednesday afternoon I did get a check from the title company to pay off my credit card. That was for {$11000.00} which was the only thing right per the XX/XX/XXXX Closing Disclosure. I just want Global Equity to do right by the first Closing disclosure that I signed online with XXXX XXXX. Can you help me. I feel I have been scammed and age discriminated against. I have not spent any of the money. I even told XXXX to take it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a direct deposit to my account that cleared and soon after they suspended my account and blocked me from access to without any notice whatsoever

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I applied the XXXX gold card with amex and checked with the online agent to confirm that I will get {$150.00} shipping credit. However, amex denied the offer and refused to offer the credit. Please checked the attachment for the chat transcript since I opened the account and the response from different aget with different answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I attempted to open an account with Chime. Due to an issue with my camera not obtaining a clear picture, the process went no where and timed out. 

Upon contacting support, they asked for standard information. Pic of drivers license, front and back, and last 4 of social. No big deal.

They then inform me they are unable to assist me unless I send a picture of my social security card. I refused - emailing a company 's generic support inbox your entire social security card is against customers protection. 

I asked for a secure location to upload the documents to - they reiterate to email the pic. I point out Chimes company policy. I point out IN THEIR EMAIL SAYS CHIME WILL NEVER ASK FOR SOCIAL SECURITY NUMBER! They continue asking for a picture, and refuse to assist unless I send them a picture of it. Through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Seems like the CFPB is Not on the customer side but protects JPMorgan who kept my {$1500.00} Dollars. And CFPB have not even read the proposal thst the bank made which makes no sense. 

If I can't see my bank details online how shout I request the closing of my account and give my bank number if Chase blocks my bank details from being viewedl. 

I will get access to my money again. The company has to propose a fair solution that gives me access back to my account. This is discrimination and racism of foreign citizens who have ever opened a bank account in the USA. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021 {$6000.00} From XX/XX/2021 I have been receiving payment but till now I didnt receive the debit card.

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 2021-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I took a loan out with this company Speedy Cash for XXXX around XX/XX/2018. The company. This company was allowed to take deductions every third of the month. In XX/XX/2018 I enrolled in to XXXX XXXX XXXX in order to pay my bills Each company submitted how much I owed at that time. This debt company has been working to settle all of my debt. I recently applied for a credit card and was denied due to this company sending this account to collections. I have made 3 payments of XXXX and after enrolling in this program this company took and additional XXXX from my bank account. I had to close this checking account of 15 years to prevent this company from taking more money out of my account Speedy cash was aware that I was in this program and Im still in this program nowThey have been reporting a higher amount owed of XXXX on my XXXX Credit Report. I didnt get credit for any of my payments made to them. This amount is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
this car was reposessd in XXXX aroud there. td auto needs to update correct balance.. car was sold on website www.carvana.com in XXXX all you have to do is type the vin number online like carfax and you can see car was sold. 

td is trying to sue but i already filed a motion to vacate cause td never served correclty im gonnna i hired a f.c.r.a attorney to sue td auto remove this account off my credit and stop lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I went in person to XXXX XXXX in XXXX, Nevada on XX/XX/XXXX to look for a used XXXX XXXX  -- sales people suggested a car for me - said price is right etc it was XXXX XXXX XXXX vin number XXXX - very clean looked new -- i made arrangements - {$4000.00} down payment - car to be delivered 90 miles away to my home. This was done all seemed fine -- i just continued with my life during covid = figured motor vehicle closed and all keep driving my XXXX XXXX XXXX -- but i did not receive anything from AZ MVD -- phoned XXXX - mentioned it -- they said sent papers to AZ MVD but were returned - i asked send again and i will go in person to AZ MVD - i did so AZ MVD refused to process -- seems XXXX XXXX NO OWN CAR - title in name of private party and HAS A LIEN car has been at my address XXXX will not take car back - i have sent numerous e mails AND the CAPITAL ONE BANK involved in a car loan for this vehicle keeps saying i have a car loan with them. I DO NOT - and have told them this -- they know it -- and i made about 3 payments to them before i realized entire car sale and loan false. They refuse to return my money. They are damaging my credit. The car itself is abandoned in my carport - note no official loan number - this is not legal contract

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: FL

Complaint narrative:
XXXX XXXX continues to brush off my complaint saying they responded and there is no new information. The key is I did not reply to their first responses due to being locked out on here. I even complaint to XXXX XXXX XXXX and that is their defense. My credit reports are wrong. They have me reported in 2 different months for yr over 30 days 2020 claim which is appearing to look like 60 days. And late 2020 the 60 days late is incorrect on all they reported it from XXXX to XXXX which looks to creditors that Im over 150 days. 

XXXX admit that I tried to call to make my payment on the XXXX day 6 times but their system kept timing me out! That is what happened to me. Transferring me to a rep but they were closed. I made a complaint on XXXX road side assistance now who caused the delay of me paying it on time due to them not covering my tow expenses and taking over 2 months to refund me. Both companies are avoiding the responsibility to fix it. I have provided my credit report and after 2 complaints here they ignore to change it and its reported wrong on all months on different reports. I dont understand why they wont take it off and they fight against me. Im buying a new bmw my lease is up and I am not going to use their financing. Fix my report this is NEW information and stop avoiding my claims, I will not stop Im going to speak to an attorney next. Have someone else look at my claim a supervisor You feel you can just put whatever you feel knowing its wrong. I was not 30 days late. I called the XXXX day your phone system you confirmed this and know I called to pay. This is new information stop avoiding my claim. I did not get to respond to your reply! This is my reply to your XX/XX/XXXX 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 2021-08-20 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: Self Financial Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021 {$6000.00} Its been XX/XX/2021 I have been Bringing paying on my profile and I have not yet received my card.

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 2021-08-20 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: I.C. System, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An company called XXXX XXXX XXXX XXXX scammed me out of XXXX $ back in XX/XX/2021. Lying to me saying we are affiliated with the department of education. And Student loan forgiveness, they continue to lie again saying your loan company XXXX sent us your information. Which is not true, my loan was 6 months ago paid in full and closed. They put a XXXX $ on my bank account. Contact the FTC and Fasfa back in XXXX. I looked for attorney, to try help file an lawsuit

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