vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Between XXXX and XXXX someone open a credit cart account in the name of XXXX XXXX NOT my legal name. For the second time in less then two years XXXX XXXX is using XXXX XXXX XXXX t to take my Social Security or VA benefits for a depth that is not in my name through the XXXX in XXXX XXXX, MI! First time was through the XXXX MI court! Judge shopping? 

According to what XXXX told the XXXX of XXXX attached they have no account in my legal name. They seem to be running a scam on an elder person I am XXXX and I am a XXXX XXXX 

This depth is wall over XXXX old!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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:
Inaccurate information reporting to my credit

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 2022-09-01 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: AL

Complaint narrative:
I have submitted disputes to youand you have not responded in 30 days as you are required by law. 
Please investigate my disputes. 
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 non-monetary relief
Consumer complaint received 2022-09-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have submitted disputes to youand you have not responded in 30 days as you are required by law. 
Please investigate my disputes. 
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 non-monetary relief
Consumer complaint received 2022-09-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE REQUESTED AND TRIED FOR SEVERAL MONTHS TO DISPUTE THESE ACCOUNTS REPORTING MY ON CONSUMER FILE. THEY HAVE CONTINUED TO VIOLATE MY RIGHTS AND KEEP REPORTING THESE ACCOUNTS WITHOUT PROVIDING ME ANY TYPE OF PROOF SHOWING ITS ACCURATE. I'M ATTACHING MY 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 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal XXXX Date XX/XX/22 @ XXXX XXXX Payment sent to XXXX XXXX XXXX {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: WI

Complaint narrative:
took more than 30 days with my credit dispute i demand they remove the items that i disputed as they have taken more than 30 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 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XX/XX/2022 my mortgage company ( PHH Mortgage ) sent me a letter stating they did not have proof of insurance ( flood/wind ). I live in a condo. I contacted the XXXX  XXXX insurance rep who gave me the info to send in and she also sent the info in. PHH said they did not receive and purchased in insurance on my behalf in the amount of {$410.00}. I contacted PHH and condo insurance rep. We had a 3 way call and all insurance info was sent in once again. On XXXX XXXX PHH refunded me {$280.00} and on XX/XX/2022 PHH refunded me {$130.00}. In mid XX/XX/2022 PHH mortgage sent me a letter stating they do not have proof of insurance ( again ) and would be purchasing insurance on my behalf. I immediately contacted PHH and explained the above and waited on the phone while the PHH rep called the condo insurance rep and was told she sent the proof of insurance again and I would receive a letter letting me this. No letter has been sent to me and now PHH is calling me on the phone and asking for proof of insurance and threatening to purchase insurance on my behalf again. I am at my wits end. I do not know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
equifax took more than 30 days with my disputes they did not investagate anything or update me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: MRS BPO, LLC
State: OH

Complaint narrative:
On XX/XX/2022 MRS ASSOCIATES added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to them from XXXX XXXX XXXX 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, MRS ASSOCIATES has violated my rights as a consumer and I'm requesting legal action to remove this account immediately! 

XXXX XXXX XXXX also violated my rights in a similar fashion and I submitted a cfpb complaint ( ID : XXXX ). XXXX XXXX XXXX removed the derogatory mark and has apparently now sold the account to MRS ASSOCIATES who is now violating my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date : XX/XX/2022 Amount : {$400.00} Actions taken : I called Chase regarding a XXXX payment I sent to a sender by the name of XXXX with the email XXXX, and later found out that it was a scammer. I called Chase about the situation and forwarded me to Chase Claims Department and did not help me because it was an act of person to person of agreeing to making this payment. 
I have proof of the scammers email if needed evidence in order to refund the {$400.00}. 

Story : I got scam on XXXX XXXX by providing my email and that they would email me fake XXXX emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was charged a late fee in XXXX, XXXX and XXXX of XXXX. I provided bank information to show the payments were made on time but they have done nothing to resolve it. 
XXXX fee {$29.00} - due XX/XX/XXXX - paid XX/XX/XXXX XXXX fee {$35.00} - due XX/XX/XXXX - paid XX/XX/XXXX XXXX fee {$35.00} = due XX/XX/XXXX - paid XX/XX/XXXX ( just to test my theory & was still charged ) Total fees {$99.00} I can not reach anyone by phone to discuss this issue so everything is done through the website. 

I see many others are having the same problem based on social media posts on their page. This started when they updated their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01 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: MIDFIRST BANK
State: OH

Complaint narrative:
This is the second time I had an issue with this mortgage company reporting my account as delinquent. I tried both times to reach out to Midland Mortgage and neither time have they made an effort to resolve the issue. The first time, they took over my mortgage from another lending company that sent them my payment that was already made to previous servicing lender. The payment was sent over to Midland Mortgage after 30 days and I tried to explain to Midland Mortgage the payment was made and previous lender advised me not to make double payment and they reported my account past due to credit bureau. Recently, I have never been 30 days past due with Midland Mortgage and thought payment was made and when I realized it wasn't I submitted payment immediately which was XX/XX/XXXX and Midland reported me as delinquent. When I called to resolve to have it taken off in good faith they declined to offer any help. I am great at paying my bills. Their reporting caused my XXXX credit score to drop XXXX points. Account is current. I believe Midland Mortgage should be more fair to consumers in regards to financial 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 non-monetary relief
Consumer complaint received 2022-09-01 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
experian took more than 30 days with dispute

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 2022-09-01 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: Credit Karma, LLC
State: PA

Complaint narrative:
Well from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX took {$10.00} {$80.00} {$100.00} from my account. And XXXX XXXX  took {$130.00}, {$42.00}, {$110.00}, {$36.00}. not only do I not know what XXXX XXXX  is when I tried to dispute these charges with credit karma they said disputes need made within 60 days of the statement month. However credit karma does not issue account statements. Furthermore no where in any of the things they send you about the account does it tell you about the alleged 60 day rule. They call questioning transactions at your local gas stations, but never about online transactions such as XXXX XXXX  and XXXX XXXXXXXX as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
I am currently entitled to a refund of {$6500.00} on the loans I paid for after XX/XX/2020 according to the CARES Act student legislation. I first emailed my loan servicer provider in the exact way that the student aid gov website recommended asking for a refund on XX/XX/XXXX. I figured they did not respond right away due to many students requesting for a refund currently so I went ahead and called them on XX/XX/XXXX. On the phone I was told that they would submit a refund request for me and I would receive my refund anywhere from 150-200 days and was also told there's a possibility I may not even get the refund. I was then expecting a confirmation email after for the refund request, but did not receive one. On XX/XX/XXXX Ed financial replied to my initial email that I had sent on XX/XX/XXXX saying they submitted a refund request for me. I found that hard to believe as I thought they had already submitted that request on XX/XX/XXXX for me during the phone call? And even if they are re- submitting a request for me, how are they doing that without first verifying my information? In the initial email I had sent them, all I had provided was my name! I think they just sent me a bogus email to shut me up. I'm getting suspicious of this loan service and I don't believe they are submitting a request for a refund on my behalf, I think they are trying to scam me. All other loan services have already refunded students their money back or at least sent them a confirmation email saying that the money will eventually return to the student, but this loan service failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE REQUESTED AND TRIED FOR SEVERAL MONTHS TO DISPUTE THESE ACCOUNTS REPORTING MY ON CONSUMER FILE. THEY HAVE CONTINUED TO VIOLATE MY RIGHTS AND KEEP REPORTING THESE ACCOUNTS WITHOUT PROVIDING ME ANY TYPE OF PROOF SHOWING ITS ACCURATE. I'M ATTACHING MY 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 2022-09-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE REQUESTED AND TRIED FOR SEVERAL MONTHS TO DISPUTE THESE ACCOUNTS REPORTING MY ON CONSUMER FILE. THEY HAVE CONTINUED TO VIOLATE MY RIGHTS AND KEEP REPORTING THESE ACCOUNTS WITHOUT PROVIDING ME ANY TYPE OF PROOF SHOWING ITS ACCURATE. I'M ATTACHING MY LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
- On XX/XX/2022, there was a {$2000.00} credit card payment to a XXXX XXXX account using my Bank of America checking account. 
- On XX/XX/2022, I began a claim with both XXXX XXXX and Bank of America. Both companies failed to give me claim numbers and gave me misinformation, saying that someone else had made a bank account at XXXX XXXX under my name. 
- On XX/XX/2022, Bank of America said that they would help me write a letter over the phone to file a fraud claim. 
- On XX/XX/2022, I called XXXX XXXX to receive an update about my situation. They gave me a new claim number and told me to contact the Credit Card Department, who refused to help me because I did not have an account with XXXX XXXX myself. 
- On XX/XX/2022, I called Bank of America to get an update on my fraud claim, only to have the representative tell me that my claim was filed under " billing '' instead. I was on hold for the fraud department for over an hour. 
- On XX/XX/2022, I filed a CFPB claim, feeling that my case was extremely mismanaged by both XXXX XXXX and Bank of America, both of whom misfiled my claims and failed to communicate between their departments about my specific case. I'm deeply disappointed by how poorly the representatives communicated between each other, especially with how XXXX XXXX refused to help me because I did not own an account there myself. 

- XXXX XXXX asked me the account number of the scammer 's account multiple times. I told them the last four digits of the account under the receipt for the {$2000.00} payment on my checking account, because I had no further information on the scammer 's account information.

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 2022-09-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Theres a XXXX XXXX account on my credit that I did not open. Ive never had XXXX XXXX. Someone stole my information and had phone lines opened in my name and Im blaming XXXX for not checking identification. I had mail sent to my address regarding the lines so I emailed the company to tell them that was not me that opened the account and they never got back to me. Now I have an account I am not responsible for on my credit report because XXXX XXXX is reckless and do not ask for proper identification.

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 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
someone opened a checking account with Chase under my name that i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: GA

Complaint narrative:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

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 non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently filed the same complaint with XXXX. On XX/XX/2022, my family took a cruise through XXXX XXXX. We charged a photo package and a champagne/strawberry service for the amount of {$240.00}. After the cruise, we realized we did not receive any of the 3 photo packages purchased. From XXXX to XXXX, I contacted XXXX XXXX 22 times via phone and email to receive credit. When this was unsuccessful, I contacted Wells Fargo to dispute the charge. I asked for {$200.00} for credit. Instead of receiving this, Wells Fargo credited {$33.00} for the strawberries/champagne service. I did not dispute this service/charge as we received it. I was disputing the {$200.00} for the 3 photo packages not received. This complaint was # XXXX. I have since called Wells Fargo 3x. I spoke to XXXX, XXXX and now XXXX. XXXX actually filed a complaint on my behalf - # XXXX. I sent 2 emails regarding dispute to XXXX. I am frustrated that this simple transaction with all of the supporting evidence has been completely mishandled

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 2022-09-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
took more than 30 days has not notified me of results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
To : OneMain Holdings, Inc. XXXX XXXX. XXXX XXXX XXXX, IN XXXX XX/XX/2022 RE : OneMain Financial Impermissible Credit Report Use To whom it may concern : a Hard Pull against my credit by OneMain Holdings XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX occurred on XX/XX/2022. It was unauthorized. I have attached the disclaimer from XXXX XXXX that states that checking for loans will not hurt my score. 
I am requesting that the unauthorized credit check be corrected, immediately, and reported to XXXX, XXXX XXXX, and XXXX as such. 



XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX Copy : XXXX XXXX

Company response to consumer: Closed with explanation