vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
Credit collection law firm filed suit to collect on credit card debt. An agreement was entered into to settle the debt with one lump sum and 12 monthly payments. The balance of the debt would then be discharged/forgiven. {$5000.00} payment was made pursuant to the agreement. Default judgment for the entire balance was subsequently entered. The {$5000.00} was applied to the balance without consideration of the agreement. They simply tricked me into a {$5000.00} payment and the agreement was simply ignored. Settlement agreement was simply a fraudulent inducement to make a large payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: GA

Complaint narrative:
Credit bureaus did not update late payments status i have proof from company that this account was never late and experian has yet to update payment history XXXX XXXX XXXX XXXX Company confirmed this according was always on time and never late

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 2023-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My name is XXXX XXXX. I enrolled in XXXX XXXX XXXX on XX/XX/2022. They advertised that " Chase is offering some business customers {$1000.00} when signing up for XXXX XXXX XXXX and processing {$2000.00} ( at least 5 transactions and settle {$2000.00} or more into the Chase payment solution account ) in payments. 

My merchant services account was approved. The account number is XXXX. I called Chase and XXXX of the XXXX XXXX XXXX team members XXXX XXXX confirmed my enrollment in the promotion " Chase is offering some business customers {$1000.00} when signing up for XXXX XXXX XXXX and processing {$2000.00} ( at least 5 transactions and settle {$2000.00} or more into the Chase payment solution account ) in payments. 

I met the requirement on XX/XX/2022 when I had had at least 5 transactions and settled {$2000.00} into my account. It was advertised that the cash bonus will be deposited into my account within 31 days after the requirement are met. However, I have been waiting for almost three months and still have not seen the cash bonus posted. I called Chase several times and each time they just ask me to wait for another month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: GA

Complaint narrative:
Credit bureaus did not update late payments status i have proof from company that this account was never late and XXXX has yet to update payment history XXXX XXXX XXXX XXXX Company confirmed this according was always on time and never late

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2023 I have tried to dispute all of these accounts with XXXX XXXX XXXX XXXX and have not had any success. 
They all need to be removed from all three credit bureaus ASAP I am now coming to you for help Please inform ASAP Thank you In accordance with The Fair Credit Reporting Act pconsumer rights to privacy and confidentiality under 15 USC 1681 Account Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c a 5 Section States no consumer reporting agency may make any Consumer Report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681 s-2a1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I bought a car from XXXX XXXX XXXX of XXXX Va XXXX XXXX XXXX XXXX XXXX, Back in XXXX XX/XX/2020 the sales person XXXX XXXX dose not work there anymore, I put XXXX down on the Vehicle which cost XXXX and after we discussed every my payments were supposed to be XXXX monthly For 36 months is what I was told, but when I asked them how much more do I owe they said XXXX more! they said nothing about XXXX percent rate, everything in this contract is False information, And I believe my rights were violated, I Am XXXX XXXX XXXX my birthday was Sunday and I was planning on paying my car off which I know is less then XXXX I havent been able to eat or sleep behind this situation, And I was struggling too keep the payments up this long, And Now they are trying too make me pay XXXX total amount for this vehicle on a 72 month plan! That very stressful! Because I would have never took this car in the first place if they would have been straightforward with Me! I really Need Help! Thank you XXXX XXXX! Finance through Credit Acceptance corp!

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 2023-02-09 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: EQUIFAX, INC.
State: MS

Complaint narrative:
A hard inquiry was made without my consent. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have called and nobody will answer have stayed on hold for an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC.
State: VA

Complaint narrative:
I have HSA account with https : //www.optumbank.com but there is zero interest rate that they pay on the money which is parked there. why is this? On the other hand they charge maintenance fees.

I want to invest this money in US treasury bonds via treasury direct so I can at least get some return or at least maintain the value of that money. Because inflation is also eating away this money. But there is no such option through the bank website or mechanism to do that. This issue is with all the HSA a
ccount managing banks who likely give kickbacks to employers so you can not even choose your own HSA bank.

This is total rip off of all the workers depositing in HSA accounts being pushed by IRS for tax saving purpose but yet there is no enforcement of ways to invest that money at consumer 's terms. 
Consumers of these HSA schemes is loosing money both in inflation and fees. 
You need to work on getting some protection for these consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
Scotts & Associates, PC is stating that I owe a debt to XXXX XXXX XXXX in the amount of XXXX. I was originally threatened by XXXX XXXX to pay for a debt I later realized was not actually mine. XXXX XXXX removed this item from my credit and stopped collections on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: IL

Complaint narrative:
In 2021 I applied for a forbearance due to XXXX with XXXX XXXXXXXX XXXX ( my servicer at that time ). When I was ready to resume my payments, my loan was transferred to Selene Finance. I called Selene several times. They would tell me that they didn't have my loan information yet to call back in a couple of weeks, I would call again and again, this would go on for two months before they had my loan information. Then they told me that I needed to send the application for a loan modification. I sent the application and paperwork at least three times before I was approved for trial payments. I made my trial payments on time and received the final agreement, I signed and returned but Selene lost my agreement. I faxed emailed and mailed but later they said the documents were not scanned in on time and that I would have to re-apply for a loan modification again.

I have applied for a fourth time. I think that this is very unfair. All I wanted was a couple months break and be able to resume my mortgage payments like the covid protections advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lakeside Recovery Solutions
State: NY

Complaint narrative:
XX/XX/2023 - about XXXX - My mother received a phone call asking for my most recent address and telephone number from Lakeside Recovery. 

I called and immediately asked for verification of the debt- which they did not offer. The agent only continued to list addresses I have previously lived at and threatened me with a lawsuit and wage garnishment. The agent was also incredibly rude and said I would " owe him an apology '' when I had to call back and pay the debt. When I called the company they alleged I had an account with ( XXXX XXXX XXXX ) no one could verify the debt. 

I sent a cease and desist letter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: FL

Complaint narrative:
I am writing this complaint because previously I sent a Identity theft packet to the company TRANSUNION which they receieved on the XXXX of XX/XX/2023. 
This packet contained all of my identifiable information to verify my identity and all other documentation needed for this consumer reporting agency to properly submit a block of reporting for fraudulent information reporting to my consumer credit file. This packet also included the following ; Scan of my ID, Scan of my Social security card, my handwritten letter documenting the events, a copy of a XXXX notary form, a copy of the credit report with the fraudulent information highlighted and a copy of the FTC identity theft report. This is everything required by the Fair Credit Reporting act 15 USC 1681c-2 ( a ) to submit a block of reporting and deletion of this fraudulent information. After calling today and speaking to the supervisor XXXX XXXX in the Specialized Fraud Escalation Department I was notified that the FTC report was not attached to the Fraud dispute so it was not being processed properly. XXXX stated that I could upload the documents via online at transunion.com/disputes to submit it quicker however, after having the online support team assist me with logging in I was still unable to " attach '' anything to the current dispute like the supervisor XXXX XXXX had told me. I am quite frustrated and tired of going back and forth with different members of this consumer reporting agencies " teams '' and " departments '' to get them to do what the law is stating they are required to do at this point. 
I have decided to submit the information via this online complaint to ENSURE that these matters are taken seriously, that the information gets to the proper department and most importantly as a record of my last attempt to handle these matters directly with TRANSUNION. I am attaching the previous documentation that was sent and all of the information needed for TRANSUNION to follow 15 USC 1681c-2 ( a ) and remove this fraudulent account that is NOT MINE, that I did NOT consent to and that is reporting as a RESULT OF IDENTITY THEFT and which should be blocked from reporting and deleted from my consumer credit report immediately upon receipt of this complaint within XXXX business days, which is by the date of XX/XX/2023.

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 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: NY

Complaint narrative:
A derogatory mark/debt collection for {$110.00} from IQ Data International was reported on my credit reports in XX/XX/2022 but I have never been contacted by them ( or even by the original owner of the debt, XXXX XXXX XXXX ) by phone, email, in-person or otherwise regarding this collection. I have not received a single notice or communication about this debt collection or how I could pay it before it was reported to the credit rating agencies. Because it is significantly impacting my credit report, this practice does not seem fair as I would have paid it if I was given the opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Since I have contacted mortgage company ( SPS ) in terms of escrow issue with over charging analysis, they didn't fix this problem properly. 
They didn't refund my additional escrow payment for 3 months. Following is the amount. I paid {$2900.00} with additional escrow fee {$990.00} in XX/XX/2022 ( draft day ) I paid {$2900.00} with additional escrow fee {$990.00} in XX/XX/2022 ( draft day ) I paid {$2900.00} with additional escrow fee {$990.00} in XX/XX/2022 ( draft day ) They have to refund {$2900.00} in total ( {$990.00} XXXX XXXX = {$2900.00} ). 
I contacted them so many times with this issues. They are not listening and just repeat same words with a wrong analysis report. It seems like they are stealing my money. It is so stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, im here contacting you to notify that on my most recently reviewed consumer report, i noticed there was some fraud/unauthorized inquiries listed. As reference please see the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. 
I have also made contact with the listed CRA 's to advise them of these fraudulent inquiries. In response, they provided me 3rd party entities that initiated the credit pull. I also did not recognize nor authorize any parties linked to the inquiries listed above. And they did not resolve my complaint. Additionally, I have not given XXXX, TRANSUNION, XXXX XXXXXXXX permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information, please remove the above mentioned inquiries within 15 days of receiving this complaint. It is your duty to accurately report information and as of now you are not doing that. I look forward to XXXX, TRANSUNIONXXXX XXXX  XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.

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 2023-02-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-09 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: GA

Complaint narrative:
XXXX XXXX unlawfully reported these accounts to my consumer report without my written permission also without advising me that they will disclose it on my consumer report. Nor did they give me a option to opt in or out of it being reporting. I was misadvised for their own interest. They have broken several of my consumer rights according to consumer laws. One law in particular that they broke was ... ... 18 U.S.C 1028A ( Aggravated identity theft ). Thats just naming one. I have written them several times about this unfair and unlawful treatment and nothing has been done. They have yet to send proof of how I owe this debt, instead they send a letter saying is verified. I did not ask them to use my personal information to verify these accounts but send me proper documentation that this debt is valid.

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 2023-02-09 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: GA

Complaint narrative:
XXXX XXXX unlawfully reported these accounts to my consumer report without my written permission also without advising me that they will disclose it on my consumer report. Nor did they give me a option to opt in or out of it being reporting. I was misadvised for their own interest. They have broken several of my consumer rights according to consumer laws. One law in particular that they broke was ... ... 18 U.S.C 1028A ( Aggravated identity theft ). Thats just naming one. I have written them several times about this unfair and unlawful treatment and nothing has been done. They have yet to send proof of how I owe this debt, instead they send a letter saying is verified. I did not ask them to use my personal information to verify these accounts but send me proper documentation that this debt is valid.

Company response to consumer: Closed with explanation