vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title XXXX chapter XXXX. to Assign, Demand, and Direct Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized accounts. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information. Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identity theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent.

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 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title XXXX chapter XXXX. to Assign, Demand, and XXXX Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized accounts. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information. Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identity theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent.

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 2022-03-19 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: IL

Complaint narrative:
Transunion just doesn't respect my rights as a consumer I sent the letter to them and they Received it on XX/XX/XXXX, Not only did they not fix the late payment which isn't suppose to be reporting on my account XXXX XXXX  + XXXX, they sent me a letter in response that said not specified, which didn't even make sense which tells me that they didn't even pay attention, because they have no proof that I gave them written instructions under the Fair Credit reporting act to report the late payment in the first place. The account should be updated as Paid AS AGREED, Show me documentation. Actually read the letter

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 2022-03-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting an account that was paid off. The account was removed from XXXX and now a company called XXXX XXXX XXXX continues to place negative information on my report. They keep bouncing from one credit reporting agency to another. I filed a complaint a few months ago and haven't heard anything back. Equifax is reporting this on my credit where banks can see it but then it isn't showing on a credit report for me to dispute the creditor. This is shady and a clear attempt to prevent me from having this information removed from my credit. I want this item and this creditor to stop placing this information on all credit bureaus permanently. The original creditor XXXX XXXX has been paid. This collection agency is trying to make money at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: IL

Complaint narrative:
Experian continues to inaccurately report an account from XXXX XXXX XXXX. This creditor was removed from the credit report on two prior occasions under the original creditor XXXX XXXX. They now have a collection agency ( XXXX XXXX XXXX XXXX re-reporting the same information on my credit report and changing the date so that they can keep reporting it. They keep bouncing from bureau to bureau I have filed a complaint where they reported on XXXX doing the same thing. I want this collection agency to stop reporting this debt which is way over 7 years old and they redate it so that they can keep in on my report. This is shady on the part of Experian and 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 2022-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On the afternoon of XX/XX/XXXX, I found that my Citibank mobile APP showed that my checking account and savings account balance was XXXX yuan. I thought it was a problem with the app system. The balance is XXXX yuan. I remember that my account should have more than XXXX US dollars, but the bank has already closed. Because I can't speak XXXX and didn't call the customer service number, it was around XXXX in the morning. XXXX XXXX and XXXX dollars in a savings account of XXXX XXXX and XXXX dollars and after the account was closed, I went to the bank to find a staff member to call a customer service phone, but I was evasive and it has been 17 days and still no answer...

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 2022-03-19 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: National Credit Adjusters, LLC
State: IL

Complaint narrative:
XXXX continues to inaccurately report an account from National Credit Adjusters. This creditor was removed from the credit report on two prior occasions under the original creditor XXXX XXXX. They now have a collection agency ( National Credit Adjusters ) re-reporting the same information on my credit report and changing the date so that they can keep reporting it. They keep bouncing from bureau to bureau I have filed a complaint where they reported on XXXX doing the same thing. I want this collection agency to stop reporting this debt which is way over 7 years old and they redate it so that they can keep in on my report. This is shady on the part of XXXX and National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/2020 I notified Wells Fargo that I was being impacted by COVID pandemic, and had spoken with a representative regarding the federal forebearance program. At this time, Wells Fargo accepted my hardship and into the forebearance program, that my payments were suspended. I continued to communicated the request for extension. until late XXXX. On XX/XX/XXXX, my situation became better, and I went back into the workforce. I contacted Wells Fargo to let them know i was prepared to get the account back in order. We discussed the options and I was put into a loan modification that put the old missed payments at the back end of the loan. 
Since then, I have been making more than the minimum payment due and on time, as my credit report will confirm. 
Recently, my financial situation has turned for the better, and I have also outgrown my home with my family and went to apply for a mortgage but am having a terrible time because the way Wells Fargo reported my forebearance has had a negative impact. The underwriter for my new mortgage request has stated that the way it is reflecting on my credit is as if I just stopped making payments. This was not the way the Federal Forebearnce was intended to be rolled out and now I am suffering because of the inaccuracy on my report.

I have contacted Wells Fargo who states that there was no negative reported on my credit report, that the agreement was they would not make any reporting on my credit whatsoever ; however, the verbiage on the comments of this item states loan modification and does NOT state the forebearance. 
I need this rectified because my career is growing and I may need to relocate and I will not be able to purchase a home or be extended any further credit because of this.

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 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Hi, I got emails from XXXX bank of America XXXX with subject lines " verify your email address '', " online application is in progress '', " your application was approved '', " welcome to online and mobile banking ''. I did not create an account. It appears someone else did using my email address and name. 

I called the bank of America customer service line. The automated menu was ridiculous, given I'm not a customer. After 15 min of haggling with the automated dumb-bot I was put through to a human, who heard my story and immediately just stated that account has been deleted. He was unable to give me a reference number that the phone call happened or send an email from bank of America that this new account was deleted. And he tells me that they have had a " volley of deposit accounts '' created under real people 's names, as if that is supposed to reassure me. 

Not being handled well at all. They could not tell me how this happened, is my social compromised, anything. 

Please address with the institution. 

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 2022-03-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/2020 I notified XXXX XXXX that I was being impacted by COVID pandemic, and had spoken with a representative regarding the federal forebearance program. At this time, XXXX XXXX accepted my hardship and into the forebearance program, that my payments were suspended. I continued to communicated the request for extension. until late XXXX. On XX/XX/XXXX, my situation became better, and I went back into the workforce. I contacted XXXX XXXX to let them know i was prepared to get the account back in order. We discussed the options and I was put into a loan modification that put the old missed payments at the back end of the loan. 
Since then, I have been making more than the minimum payment due and on time, as my credit report will confirm. 
Recently, my financial situation has turned for the better, and I have also outgrown my home with my family and went to apply for a mortgage but am having a terrible time because the way XXXX XXXX reported my forebearance has had a negative impact. The underwriter for my new mortgage request has stated that the way it is reflecting on my credit is as if I just stopped making payments. This was not the way the Federal Forebearnce was intended to be rolled out and now I am suffering because of the inaccuracy on my report. 
I have contacted XXXX XXXX who states that there was no negative reported on my credit report, that the agreement was they would not make any reporting on my credit whatsoever ; however, the verbiage on the comments of this item states loan modification and does NOT state the forebearance. 
I need this rectified because my career is growing and I may need to relocate and I will not be able to purchase a home or be extended any further credit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX, I noticed two {$XXXX} fees and five {$XXXX} fees totaling {$XXXX}. I called Chase Customer Service right away who closed the card. Claims was unavailable as they had closed early, before the advertised XXXX EST. I spoke to claims on the morning of XXXX and had a claim number XXXX. This claim however showed as {$XXXX} so I called back to state there are charges of {$XXXX} not {$XXXX} and I would like it revised and was told it would be. I began messaging Chase at this point. There were repeated responses that didnt confirm any of my requests, so I called again on XX/XX/XXXX. I was told the claim is still showing for {$XXXX}, so I askee to create a claim for the additional {$XXXX} and got claim number XXXX. Chase has notified me that claim XXXX for {$500.00} was a valid charge and the claim would be denied, with {$XXXX} being removed from my account. This is untrue and Chase allowed numerous transactions in California while I am in Illinois with possession of my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
they informed this was written off yrs ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 non-monetary relief
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: TX

Complaint narrative:
this creditor keeps using varies collection agencies to collect dept. This creditor did not respond to my health ins co inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: NJ

Complaint narrative:
Late Payments on my 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 2022-03-19 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: CITIBANK, N.A.
State: RI

Complaint narrative:
On or around XX/XX/XXXX i was offered a Citi Miles Ahead savings account with the opportunity to earn up to XXXX miles on XXXX XXXX with a deposit of XXXX i opened the account- when i called to make sure the miles would go into my XXXX account before i funded it- i was told that i was not eligible for that offer -- I closed the account and cut up the debit card which had arrived in the mail that day. The next day in my mail, i receive a pamphlet offering me once again the same- XXXX miles if you fund the account with XXXX I called Citi and after numerous conversations the answer is basically No i am not eligible because i closed the account!!! I could not get anyone to see how insane this was- i closed it because they told me i was ineligible!! - I feel that this is false and misleading and they have no intention of giving customers the miles- Please investigate- CIti.com. 
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 2022-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
WESTERN UNION LOCKED MY ACCOUNT WITHOUT EXPLENATION.

SORRY... IS NOT ENOUNGH.!!!

I HAVE BEEN XXXX CUSTOMER FOR MORE THEN 20 YEARS. 

I AM RETIRED AND I NEED THE SERVICE. 

WHAT KIND OF CRIME HAVE I COMMITED AGAINST XXXX??? 

I LIKE TO KNOW, SO I CAN APPOLOGISE, PAY FOR THE CRIME, CORRECT THE PROBLEM, OR DO WHATEVER THE LAW REQUIRES. 

BEST REGARDS, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: NJ

Complaint narrative:
Late Payments on my 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 non-monetary relief
Consumer complaint received 2022-03-19 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: NJ

Complaint narrative:
Late Payments on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We received a refund credit from XXXX for {$800.00} for a purchase previously made on our JPMorgan Chase credit card. When I saw the credit in our account I looked online for a way to transfer that credit amount from our credit card to our checking account, there was none. 

On Saturday XX/XX/XXXX I called the JPMorgan Chase Credit Card customer service. I was explicit with the customer service representative that we wanted the refund immediately transferred into our checking account. She told us she could not do that. Instead she said we would receive an email and would have approximately 4 days to respond to. Responding to that email would allow us to immediately transfer the funds into our checking. 

I watched our email account - including spam folders for the next days, nothing. On Monday XX/XX/XXXX I called again - had the same conversation with a different CSR. She said the same, we should receive an email. I told her again that we wanted the funds transferred into checking without delay. She said she could not do that. 

I continued to watch our email- and spam folder - nothing. On Thursday XX/XX/XXXX I called a third time - and again had the same conversation and was told the same as before. I asked for a manager. He told me that no email had been sent and in fact Chase had issued a paper check, I told him we had zero need for a paper check. Issuing a paper check only benefitted Chase as it further delayed the transfer of our monies into our checking. So in effect, JPMorgan had free money, illegally, from XX/XX/XXXX until yesterday when a check arrived, nearly 3 weeks. 

I believe the actions of JPMorgan Chase are not just wrong, but illegal. They contrevened our explicit instructions to transfer monies that were exclusively our own. I told them these we're funds they were already in receipt of, there was zero credit risk to them. They were holding our monies illegally.

Company response to consumer: Closed with explanation