vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I STARTED the. personal bankruptcy process back in XXXX or XXXX. The " XXXX XXXX Firm : '' I hired to help me with it, told me that when they sent my file to the " Pennsylvania Bankruptcy XXXX '' they were informed that that association wanted to do an audit on my financial records before they would register the Bankruptcy. So I retracted my Bankruptcy Files and Halted the " XXXX Process '' because I did not want to go through the hassle of being audited. Evidently the PA Bankruptcy " TEAM '' posted the " XXXX '' on my credit report anyway, even though I never authorized the " Bankruptcy Filing '' nor was it ever filed. Therefore, the " XXXX '' that is listed on my credit reports is not correct and it is a misrepresentation of my personal credit. It has damaged my credit severely and it continues to damage it. 

I have contacted the XXXX XXXX XXXX about this several times but they refuse to remove it even though it was never formally filed, or processed and I was never dismissed of any debts!

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 2022-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I filed a claim with Bank of America that unauthorized charges had been filed on my account. They denied my claim in less than a week without looking into it. I sent in my ftc report and reconsideration letter and was told my claim would be resolved 45 days from XX/XX/XXXX. It is now past that time frame and now they are giving me the run around saying its a different 45 days and my claim still havent been resolved. My money is being held and Bank of America is violating my consumer rights.

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 2022-09-30 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: MECHANICS BANK
State: TX

Complaint narrative:
On or around XX/XX/XXXX, I spoke to a representative at Mechanics bank and we came up with a payment plan. Long story short they did not honor that plan because they said it was " ineligible '' a few days later AFTER I planned my finances around that plan. Now I got a hit on my credit that dropped my score XXXX points because they refused to honor their own plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: FL

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XXXX XXXX, 2022, XXXX XXXX, 2022, XXXX XXXX, 2022, XXXX XXXX, 2022, XXXX XXXX, 2022, XXXX XXXX, 2022, XXXX XXXX, 2022, XXXX XXXX, 2022.

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 2022-09-30 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/XXXX I opened a leased account with XXXX XXXX through JP Morgan Chase financing. 
XX/XX/XXXX, the lease was completed and I was offered by XXXX for lease buy out financed through XXXXXXXX XXXX XXXX 
On XXXX, I started paying the monthly payments to XXXX XXXX XXXX with no fail. 
However, on XX/XX/XXXX, when I was about to go to work I was do worried that I could not find the car in our apartment complex 's parking lot. We thought it was stolen, only to find out that Chase repossessed our car. This was so upsetting since I have already made a total of on time payments to XXXX XXXXXXXX XXXX 

I contacted XXXX to help me resolve the case, they provided a loaner car for me and at the same they also contacted Chase to straighten the issue. 

However, my credit report is showing I have a record of repossession. I disputed this twie with Chase but Chase did not honor my dispute. 

I am needing help from the authority with this matter as I am left with no other option. I have not been able granted access to credits because of this negative reporting when me and my wife were looking to buy another car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
My old apartment complex XXXX XXXX XXXX prematurely sent my account to collections prior to finalizing their account statements in XXXX. I recieved a collection letter on XX/XX/2022 and this collection was reported on my credit report soon after. 

On XXXX XXXX, 2022, I recieved a final account statement from XXXX XXXX XXXX indicating that I hada XXXX balance with them, after they went through all of my deposits and credits to the account. 

The damage was already made to my consumer report months proir and it cause my credit rating to drop dramatically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: PA

Complaint narrative:
I STARTED the. personal bankruptcy process back in XXXX or XXXX. The " XXXX XXXX Firm : '' I hired to help me with it, told me that when they sent my file to the " XXXX XXXX XXXX '' they were informed that that association wanted to do an audit on my financial records before they would register the Bankruptcy. So I retracted my Bankruptcy Files and Halted the " XXXX Process '' because I did not want to go through the hassle of being audited. Evidently the XXXX XXXX " TEAM '' posted the " XXXX '' on my credit report anyway, even though I never authorized the " Bankruptcy Filing '' nor was it ever filed. Therefore, the " XXXX '' that is listed on my credit reports is not correct and it is a misrepresentation of my personal credit. It has damaged my credit severely and it continues to damage it. 

I have contacted the XXXX XXXX XXXX about this several times but they refuse to remove it even though it was never formally filed, or processed and I was never dismissed of any debts!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have in collections a debt that is not mine, i have been having identity theft issues since 2018. 

Resurgent receivables LLC is the debt colector for XXXX XXXX  bank. Who i supposably owe {$860.00} reference id is XXXX. I am not responsible for this account, Neither did i approve ant transaction under my identity. 


Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I opened a new checking account with Ally on XX/XX/XXXX. I did this because I received an email stating that I would get {$250.00} for opening the account and making a qualified direct deposit by XX/XX/XXXX. It also states that the deposit will occur on XX/XX/XXXX. 

I began contacting Ally in XXXX. I have had multiple agents tell me that I have qualified but they don't know why it isn't paid. They keep " escalating '' my case. I have also had 3 agents tell me that too many people took advantage of the offer so there are many people complaining about this issue.

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 2022-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX filed complaint XXXX but the attachment was too big so have scanned it into 3 attachments plus the letter with the pile of documents recd from Bank of America 's bankruptcy and state case XXXX -appeal XXXX attorneys. 
First the state cases where BoA attorneys filed appearance for Government National Mortgage Assoc, FHA and XXXX  an electronic tracking system to get case dismissed using the federal agencies as credibility. Federal agencies use US attorneys not bank paid for private attorneys AND as for the HAMP modification sent by Bank of America to modify their forged FHA mortgage -- in the letter dated XX/XX/XXXX you have 14 days from the date of the letter to call XXXX XXXX-she will answer any questions XXXX XXXX a computer answered number that bounces you all over the country you can fax an appeal to the amount of the payment. Letter date XX/XX/XXXX plus 14 days = XX/XX/XXXX problem? it was received Sat XX/XX/XXXX with XX/XX/XXXX as the deadline to sign or it is void. no wonder 88 % of BoA modifications do not go through -- more money to foreclose and FHA will pay on the insured mortgage except my FHA mortgage is a forgery found in an $ XXXX pool sold to XXXX XX/XX/XXXX I am also attaching what was filed in court. XXXX will be interesting to see the Court 's reaction when XXXX Judges find out BoA attorneys manipulated them.

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 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/22 in the morning I checked my checking account. I saw XXXX transactions that I did not approve of. There was a phone number attached to XXXX transaction so I called the number and asked the person why were they taking this money from my account. They said sorry we didn't mean to do it I will back it out. Then the US bank called me and asked if I aproved of these transactions and I said no. When I was speaking with the bank the person put in another transaction and since it was pending the bank was able to stop it. I asked if they would give me my money back on the other XXXX and they said I had to go to my bank to do it. I did several times then I got XXXX letters from the bank stating that " During our investigation, we determined the transaction posted as requested ; therefore, your claim has been denied. 
Why would they call me to ask me if the transaction was ok and I say no and they stopped the XXXX but they didn't give me my money back on the other 3? Claim numbers are XXXX for {$980.00}, XXXX for {$1900.00} and XXXX for {$500.00}. I don't understand why I can't get my money back when I told them when the back call to find out if I aproved these transaction I told them no I didn't

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 2022-09-30 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: SC

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the Heroes Act passed by the government. Per the act, Credit Agencies were not allowed to report negative items during the COVID-19 Pandemic, plus an additional 120 days. The attached accounts violate that act and violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: NC

Complaint narrative:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2022-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
I called Navient on XX/XX/2022 XXXX XXXX asking about the public service loan forgiveness. I was told I do not have the correct type of loan and it could not be changed. I then proceeded to ask about the Biden forgiveness and was told to wait and not consolidate because my payment and interest could go higher ( currently at 6.5 % ). Again incorrect information. My husband has the same loans and we chose to wait. I confirmed I should follow up in a month. I called today and was told the deadline had passed. I only found out from a friend today that I could consolidate into a " direct loan '' in order to qualify for the public service loan forgiveness ( in 2 years ). We have now lost out on the opportunity to forgiveness $ XXXX from my husband 's loan ( pell grant + loan ) and my student loan. I believe this was just providing false information in order to keep our loans and continue to pay 6.5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: MO

Complaint narrative:
Firstly, The United States Bankruptcy Courts state on their website that the DO NOT verify, nor do they report bankruptcy records to ANY consumer reporting agency. Please provide documentation of your proof of verification. Also, I have personally researched the identification number XXXX that you have provided and found no validity of you claim. 
According to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

A report of a bankruptcy is an infringement of my right to privacy and such reporting is a direct violation to the Fair Credit Reporting Act 15 U.S.C. 1681 ( a ) ( 4 ) a consumers right to privacy. 

This inaccurate reporting has caused me immense hardship and needs to be rectified immediately. 

Congress also states that I, XXXX XXXX, must give written permission to Experian to access my public information : 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have not, in fact, given Experian written instructions to report this information according to the law above. By reporting said information Experian is in violation of section 604 by asserting this false and erroneous report. 

Failure to respond satisfactory with deletion of the Bankruptcy and all other erroneous information that you are reporting on my consumer report will result in legal action being taken against your company for which I will be seeking {$1000.00} per violation, defamation of character, noncompliance, civil liability, mental anguish and the FCRA 15 usc 1681 for violations under willful noncompliance, section 616 civil liability for noncompliance, 15 usc 1681n.

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 2022-09-30 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: NC

Complaint narrative:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX  data breach & may have got into the hands of the wrong person.

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 2022-09-30 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: FL

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.

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 2022-09-30 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have banked with Regions since 2018, I've been a long time loyal account holder and when I saw that they have been illegally charging overdraft fees from clients for years everything began to make sense. I've been hit numerous times with multiple overdrafts since I've had an account. I never noticed before because I believed it was my own error with my finances but I began to notice that there were times I would be hit even with sufficient funds in my account. I'd like to file a claim to see if I'm eligible for a share in these refunds that the company has to so rightly return from us. It's hard to trust banks in the first place but now to see how much fire they're under in the past decade ; where can I place my trust in knowing my money is secure?

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 2022-09-30 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:
I have tried multiple times to fix an inaccurate account on my report with experian. XXXX credit shows an installment loan for $ XXXX which I never agreed to- did not buy anything for that amount. I have asked several times for Experian and XXXX to provide the contract showing my signature engaging in a contractual agreement for any product or service in the amount shown on my report. Its been over a year and they have not produced any such paperwork just keep saying its verified. I am requesting they either provide the contract showing my signature or delete the account from my report per the fair credit reporting act.

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 2022-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Within the past week, XXXX XXXX from LVNV funding contacted a relative, gave detailed and personal information about me, and about the debt owed. She used scare tactics and false information. She also gave out my address, and birthdate, among other information.

Company response to consumer: Closed with explanation