vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I went into a XXXX XXXX to retrieve XXXX in cash and inserted my XXXX XXXX around XXXX. Later into the night both my wallet and phone was stolen out of my jacket pockets, I had no way to communicate with my bank and since I didn't believe they had my pin or access into my phone that I would deal with everything in the morning. When I woke up on XX/XX/year>, my phone was accessed by whoever took it and they sent themselves all of the money through XXXX XXXX, XXXX, and XXXX ranging to around XXXX. They took from the XXXX XXXX and XXXX at XXXX in a location in XXXX XXXX of XXXX which I wasn't near or have ever been to in my life. This was a Chase XXXX  and used my XXXX XXXX which was apparently used to get into my account first try. I reported to Chase on XX/XX/year> that this wasn't me who transferred all of my money, had access to my phone, and got cash through my card with their XXXX Chase returned all of my money except the XXXX transaction in which they reported that it didn't constitute as suspicous or fraudulent. I requested them to look into the other transactions made at the same time frame, the XXXX camera, my XXXX report filed with the XXXX XXXX XXXX, or acknowledge my phone being stolen. They responded with that they wouldn't move forward with the case and provided no additional information to me other than my XXXX XXXX wasn't used XXXX times to get money out of the XXXX. I mentioned in my XXXX conversation with Chase that I used my XXXX XXXX to get money from an XXXX the same exact night it was stolen and that isn't considered an acceptable method for someone to find out what my XXXX XXXX is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I went through my credit profile I seen inquiries that do not belong to me.

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 2024-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The said company has received my personal information illegally and without consent. I do not consent to having said information reported

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 2024-03-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The said company has received my personal information illegally and without consent. I do not consent to having said information reported

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 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX sent an email stating I owed them over {$2400.00} for a XXXX XXXX  Account that I had in 2003. They were a third party service hired by Cavalry SPV, LLC to collect a debt. I paid this debt to Calvary for more than the asked for amount, which satisfied the debt. It was only {$200.00} and I paid {$250.00}. The issue is that XXXX XXXX XXXX will not stop harassing me. They have lied to me and told me that I still owe them {$1800.00}, although the original debt was paid, which I knew was false. I want to take some type of action against them, I have already sent a cease and desist demand request through their website. I contacted Calvary and they had no idea the service they hired is lying to debtors and telling them they owe a debt that has been paid. I offered to send the confirmation of settlement to XXXX, but they refused to take it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I kindly request that you promptly remove this unauthorized inquiry from my credit report. I have not initiated any financial transactions or applied for credit with those XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: OH

Complaint narrative:
I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit 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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
account showing open missed payment on a closed account that has be assigned to attorney ( in litigation ) dispute account several times this is inaccuate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: TN

Complaint narrative:
Arstrat XXXX calls me on a XXXX basis at XXXX times with no information provided. I have no outstanding debts, and have not received any written notice of potential debts. 

XXXX  XXXX voicemails state : Hello this is XXXX XXXX calling from Arstrat. Please contact me or any of our representatives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX again that number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: GA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block these items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Upon reviewing my credit report, I have identified XXXX accounts that need reporting and correction through your company.

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 2024-03-08 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: NJ

Complaint narrative:
My Experian report is missing my current address. I need my report have include my current address. I have attached my supporting documentation.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
I looked over my credit report today XX/XX/2024, and I have noticed some things are inaccurate. According to the fair credit reporting act, when a consumer reporting agency prepares a consumer report, it should follow all the proper steps to ensure the maximum possible accuracy for the information that is being reported for that individual. This XXXX XXXX with account # XXXX is not complete and it is also inaccurate. According to the 15 USC 1682 s 2A, 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 the information is inaccurate. Please see my attach files showing inaccuracy on 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 2024-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Liberty Home Mortgage Corporation
State: FL

Complaint narrative:
These involved XXXX employees from LIBERTY HOME MORTGAGE CORPORATION I was contacted by XXXX XXXX who assured me that I could get refinance with XXXX credit score, and that he need it to run just a soft credit pull from my credit ; he contacted me later by text using XXXX XXXX personal cell number, but another employee from the company called me and he assured me as well that I was going to get a refinance with XXXX credit score, but that he needed to run a soft credit. At the end it was a hard credit pull which I did not authorized because XXXX XXXX did not speak with me, he spoke with mu mother that she did not authorized him to run a hard credit pull. Theses people are liars all of them. They are deceiving people with false promises and lies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: IA

Complaint narrative:
Reviewed most recent credit report from all credit reporting agencies and I noticed inquires that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push back even though I expressed inquires in question did not belong to me and the creditors agreed to the inquiries are not attached to any file or application they have with my personal accurate information. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I went through my credit profile I seen inquiries that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
I've been fighting these guys for over a year and it's clear they are intentionally blocking my PSLF I've already qualified for and they said I did. Then they took it back and " lost '' all my documents from my Fed loans and everything I sent. They have tried hanging up on me and blaming me for their mismanagement. I've filed several complaints for illegal mismanagement and discrimination I faced in the phone ( comments made about my race and type of work I do in the nonprofit world ). 

I've had two of my senators now involved which forces them to process one of the forms but still ignoring me and not doing their job. I just called back senator XXXX 's office to talk about next steps. 

Next steps should be to process the PSLF as they are required under federal law. It seems after some research and talking with the Senators office that this isn't an isolated incident. It's a intentional attempt to undermine people who work in education, law enforcement, nonprofits etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Future Judgement Solutions
State: MA

Complaint narrative:
The company repeatedly calls in odd hours and leaves harassing messages.For example, on XX/XX/2024, a XXXX XXXX called at XXXX and XXXX threatening to deliver an unknown document to my place of employment.On XX/XX/2024 at XXXX and at XXXX XXXX called threatening with the same as above.In attempting to know why the company keeps calling me and harassing me, they state that they have filed a civil law suit and threatened with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I called the bank yesterday after I saw a text message that my account was shutting down around XX/XX/XXXX, XXXX but they reversed the same story without hearing my answer. I couldn't understand it, and I think I should at least give it some use in case of emergencies. And then today, XX/XX/XXXX, my weekly payday, but after the same story again, they offered to send me a check in the next business day, but they blocked me from spending money after forcing my account to close. I don't know when and where I'm going to eat and what's going to happen. I feel really bad about why my money should be managed by them. I don't know when the people who sent me the check will send me my money. I don't know how long I'm going to starve. They need to remit my money immediately. They even extort my money from the hospital. I said I can't talk about everything and it's not fair. I haven't eaten in two days. i am really really mad. This won't happen if they let me take action to get enough funds available before canceling it. Both of my bank accounts are not being withdrawn, withdrawn, or deposited

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was never given a chance to handle this before it was put on my credit file, I was never notified.

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 2024-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My property is located at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Select Portfolio Servicing Inc. is my mortgage servicer. Licensing ( NMLS ID : XXXX ) I have contacted them no less than 4 times by phone to alert them that XXXX XXXX and the city of XXXX has sent me on XX/XX/year> an intent to issue a XXXX ( XXXX XXXX ) which is a lien on my property due to unpaid property taxes. 

Currently my mortgage has an escrow balance of XXXX $ which should be illegal, as it is over the maximum amount that can be held in my escrow account. 

They refuse to pay my taxes from my escrow account with their company. 

I have contacted them, and they have had the letter ( attached ) since XX/XX/year> which is the intent to issue XXXX. 

Last time I contacted them in XXXX I let them know I was about to file a complaint with the CFPB. Nothing happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.

Company response to consumer: Closed with explanation