vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XX/XX/2022 we met with the XXXX XXXX salesperson and asked for the advertised special, we were told that the special was not an upgraded carpet, so I then picked out the carpet and laminate. The salesman made an error writing {$6800.00} and the contract was changed to {$5800.00}. The laminate was done fine, XX/XX/2022 the carpet was being done, the master bedroom carpet done by the assistant who spoke no XXXX was fine the rest of the carpet was not. I contacted the salesman sent a picture and he said call warranty the carpet looks defective.Not even XXXX weeks the carpet was matting, rippling, horrible. I sent pictures to XXXX as directed by XXXX XXXX XXXX who then says I didnt vacumn the carpet, I need to have the new carpet washed, and no warranty. I requested a qualified person to come see the job it never happened on XX/XX/2022 they send back the same non speaking person to look at it and say its not his installtion sign my phone I was here, after that XXXX sends me a completion form that the man sent her, nothing was completed. I did a dispute with XXXX XXXX after paying {$3200.00} dollars and won. I never had my inspection /warranty nothing. I received an email from collections we will replace the carpet if you pay the balance which was incorrect and I said you did a bait and switch on the carpet send me the special offer pricing I should have had and they said no, sent me to collections for a higher amount as they gave them the wrong contract price. I told the collections that and sent them a cease and desist letter. The balance owed to XXXX is and was {$2500.00} for upgraded carpet not spotlight seires which I found out is what I got. I have to remove this bad carpet at my expense and XXXX should be shut down.

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 2024-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: AR

Complaint narrative:
I am writing to file this complaint to the CFPB because upon review of my consumer reports, I noticed a collection account was furnished on my report. I was not given any information regarding the alleged debt, I was not given any legal disclosures, nor was I given the opportunity to dispute the alleged debt. I reason to believe this company maybe reporting someone's private medical information which could be a violation under 5 USC 552a of The Privacy Act of 1974.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have credit inquiries that I do not recognize and did not give consent to be on my credit report or check my credit report, I have had a problem with fraud being committed in my name and I will like these to be removed only thing I have applied for was a XXXX XXXX XXXX everything else is fraud

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Address History : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX , MA XXXX Do not know these address and i'm not familiar with either one of the and they need to by deleted off my consumer 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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Requested proof that payments were late and no reply

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Requested proof that payments were late and no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Requested proof that payments were late and no reply

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 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
Requested XXXX 's to verify this debt belongs to me with no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Subject - Mr. Cooper is my mortgage company. 

In a letter dated XX/XX/2024, from Mr. Cooper, they stated that : " our records show that your hazard insurance expired, and we do not have evidence that you have obtained coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property. '' On XX/XX/XXXX, I called asking why I had received this letter - and my taxes and insurances are escrowed each month. The could not explain- they stated they will take care of it right away. 

On XX/XX/XXXX, I checked back, still not paid yet - Keep in mind my policy lapse on XX/XX/XXXX for non-payment. Obviously upset, I requested that my escrow be cancelled because I live in a hurricane zone, and hazard insurance is critical- I pay nearly {$5000.00} a year for insurance. 

I requested that my escrow account be cancelled because this could have caused me serious problems if a natural disaster had occurred and I had no insurance - they stated that I could not cancel my escrow because I got a loan modification due to the forbearance during COVID. 

However, why should I be subjected to their sloppy work as a consumer, simply because I took advantage of of a forbearance I was eligible to receive. If a natural disaster had occurred again, and I had no insurance - I would be in trouble. I would like to cancel my escrow with them if I can. They stated that they were going to mail the check for payment - last communication was XX/XX/2024 XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and XXXX are reporting two XXXX XXXX accounts as charge offs and open at the same time and posting this monthly as new accounts. 
accounts last updated on XX/XX/year> one for {$8300.00} and one for {$3400.00}. 
This is a direct violation of the FCRA Section 1681e requiring CRA 'S to follow reasonable procedures to insure maximum accuracy and accurate and complete information. 
Section 1681i violation of the procedures that would clearly discover the inaccuracy.

Section 1681s-2 Imposes duties on furnishers of information. 
XXXX XXXX is engaging in practices that are absolutely intended to damage consumers that have had difficult times. As a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  due to his issues ( which caused my hardship ) XXXX XXXX and the CRA 's should be asshamed.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
After the pandemic, banks, and the main mortgage guarantors meaning FHA, RDA, the VA, as well as government mortgage companies XXXX XXXX and XXXX XXXX granted grace periods or offered mortgage relief options through my mortgage loan servicer in my state to their customers affected by COVID-19. 

I reviewed my consumer report and noticed that I had 3 late payments on a mortgage account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report accurately. 

Please investigate and provide proof with statements showing that these payments were late. If proof cant I demand these payments be updated to on time as they should be as I was never late. 
Thanks.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
After the pandemic, banks, and the main mortgage guarantors meaning FHA, RDA, the VA, as well as government mortgage companies XXXX XXXX and XXXX XXXX granted grace periods or offered mortgage relief options through my mortgage loan servicer in my state to their customers affected by XXXXOVID-19.

I reviewed my consumer report and noticed that I had 3 late payments on a mortgage account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report accurately.

Please investigate and provide proof with statements showing that these payments were late. If proof cant I demand these payments be updated to on time as they should be as I was never late. 
Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting 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:
REPORTING ACCOUNT THAT DOES NOT BELONG TO ME ON CREDIT REPORT. THE XX/XX/XXXX ACCOUNT AND BALANCE DO NOT BELONG TO ME. FRAUD/IDENTITY THEFT. IDENTITY THEFT POLICE REPORT AND LETTERS ATTACHED TO REMOVE ACCOUNT.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. I should be compensated {$1000.00} for each incorrect entry on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. I should be compensated {$1000.00} for each incorrect entry on my credit file.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. I should be compensated {$1000.00} for each incorrect entry on my credit file.

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 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a 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:
I have always paid on time, of that I am sure. However, I'm uncertain why this company is reporting me as late in certain months, which should not be the case. As per USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
JPMCB CARD SERVICES- CHARGED OFF XXXX XXXX- CHARGED OFF XXXX XXXX XXXX- CHARGED OFF XXXX, XXXX XXXX XXXX XXXX XXXX Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to the above companies written, unwritten, verbal or non verbal to report my nonpublic personal information. The above companies are in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by the above companies that my nonpublic personal information was going to be shared to non affiliated third parties. Do not get me started on securities fraud. I want all 3 accounts removed from my credit report before I take this to the highest level possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I turned in move out notice due to the landlord not fixing the a/c after multiple work orders submitted. After my move out notice, the landlord sent me a notice that indicates their a/c units will only cool XXXX degrees below the outside temperatures which in Texas would mean the a/c would never cool below XXXX degrees. I have XXXX and XXXX, and can not XXXX XXXX XXXX I would never rent a space that is detrimental to my health, so had they provided that notice prior to me renting the property I would not have signed a lease. Below is the notice received on XX/XX/XXXX, after I submitted my move out notice on XX/XX/XXXX : XXXX XXXX XXXX XXXX Fri, XX/XX/year> at XXXXXXXX XXXX Reply-To : XXXX XXXX XXXX  XXXX To : XXXX XXXX XXXX WHY YOUR AIR CONDITIONER WILL NOT COOL WELL WHEN THE TEMPERATURE IS HIGH These crazy hot temperatures not only put stress on your family, your pets and anyone working outside, it stresses out your air conditioning system too. 
It never fails, every year, as soon as we approach high temperatures, we are flooded with calls from residents that believe their systems are not working because they are not cooling like they are accustomed to, or they are not cooling down in the heat of the day. This is quite common especially for upstairs, or a lot of windows ( Sunroom ). 
The first thing you should know is that your system is typically not designed for high temps. XXXX systems are designed for an average temperature in your area. Your system is also designed to cool to a maximum of XXXX below the temperature outside. So, when we are having average temperatures, you should have no problem cooling to XXXX or XXXX if you like. However, when we approach high temps, you will be doing good to cool to XXXX. 
While it may seem as if your system is not working, it is doing all it can during extreme temperatures. Many people at this point will ask why systems are not designed for higher temperatures. The short answer is, you can not design a system to operate efficiently in the extremes and have it work well in the averages. So, we must sacrifice a few days of extreme temperatures to be comfortable the rest of the year.

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 2024-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I made a purchase from Ashley Funiture store in XXXX Tennessee on XXXX XX/XX/year> for a total amount of {$2200.00}. My purchase was delivered to my apartment on XXXX XX/XX/year>. I notice that the purchase was still in a pending status even though the amount had posted. I contacted the store and Synchrony Bank about this issue. I reviewed my account online today and noticed that instead of fixing the issue, they recharged me {$2200.00}. This is the second time Ashley has double-charged me for a purchase. I had a previous account with them and they charged me several times for a one-time purchase of a table and I had to file a complaint with the XXXX to get it resolved, and here we are again with the same issue. I assume this must be a part of their business practice. They also overcharged me for delivery. As a XXXX veteran, I feel this company should be held accountable for this mismanagement of my account and trying to take advantage of me as a consumer. Also, if you look at the attachments, they have other items still in a pending and posted status even though the items were already delivered.

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 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Requested proof 3x 's to verify this debt belongs to me with no reply

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 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
CHASE VISA CREDIT CARD XXXX Bought items from a vendor for {$290.00}. Vendor did not ship as promised so I canceled the order. Items came anyway and I returned them XX/XX/XXXX Opened dispute with Chase. Credit given. 

XX/XX/XXXX Chase called saying Vendor challenged dispute. I submitted info showing I returned the merchandise. 
XX/XX/XXXX Called Chase and inquired about the charges. Rep said I wouldn't be billed. 
XX/XX/XXXX Chase rebilled by card for over {$290.00} twice for a total of {$590.00}. 

So my XXXX statement shows these additional charges. A phone call to Chase service center yesterday ( XX/XX/XXXX ) did not remove the charges. I'm supposed to call the disputes group again tomorrow to resolve. I am frustrated that Chase is billing again for an item I demonstrated that I returned and Chase billed me twice saying I owe the additional charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a text, from the Citibank phone number as I usually do when an unauthorized transaction has occurred so I respond as I usually do, then the Citibank number called me, later to find out these people are generating the exact phone numbers on the card itself, the person did a wire transfer and took everything I had {$1100.00}, this person banks at XXXX XXXX XXXXXXXX, I spoke with XXXX XXXX XXXXXXXX they couldnt give me much info since I dont bank with them, I dont believe Citibank is working hard enough for me to retrieve my funds back, they dont even want to give me my funds back, Ive been with Citibank way too long to be treated like I have re opened the case 3 times I also do have a police 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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
Requested proof that payments were late and no reply

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 2024-04-28 00:00:00
Product: Credit reporting 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 recently reviewed my credit report and I notice that there is a fraudulent account, please remove this fraudulent account because is affecting my ability to obtain 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 non-monetary relief