vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I started the Loan Mitigation process in XXXX, after a bout of XXXX that put me behind on all my bills. I was assigned a point of contact, who reached out to me in XXXX. I provided all documents through their online site and then again directly to the contact since it kept stating that it hadn't been received. All my documents were uploaded, and marked complete. Since that time, I've tried to contact my contact but emails come back as blocked ; calls are not being returned. I have also submitted emails to the Shellpoint mtg and NewRez mtg contact emails with botmails stating someone will be with me within 5-7 days. My point of contact is XXXX Then yesterday some person came to my house and left an envelope with my son stating that I needed to contact them since my payments were behind and that it had been reported to the credit bureau. 

I have done everything but am being blocked out and then told I need to take steps to address this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This debt was not taken out by me and I did not receive funding. During that time I was sick, suffering from XXXX XXXX XXXX XXXX. I was on XXXX XXXX XXXX XXXX XXXX. When I realized that loan payments were being deducted from my account, I contacted the company with the phone number listed. i did not receive any communication with regards to a court date. The only corresponding I received is an court order signed by a XXXX, saying that I am responsible for the payments. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A check from XXXX XXXX XXXX was deposited into my savings account at the XXXX XXXX XXXX branch in XXXX XXXX CA on the XXXX of XXXX. Savings account number XXXX. 
The funds were taken from XXXX XXXX XXXX on the XXXX of XX/XX/2023 from the issuing bank and Chase states that the check was on a mandatory 11 day from deposit date despite this. 
The bank and writer of the check were notified by me in person on the XXXX of XXXX and both concurred that there were sufficient funds in the issuing bank account. 
I asked Chase bank via their customer service number XXXX if they could waive the 11day hold. I was told no. 
I think this an unfair business practice and am filing a complaint. 
Thank you for your time XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: TX

Complaint narrative:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-04-06 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information 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 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

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 2023-04-06 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: NJ

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

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 2023-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I called both the third party and XXXX to handle this issue in the most respectful way and I did not receive the same respect in return. The company is saying I owe XXXX XXXX for policy cancellation and return payment back in 2018. My policy was cancelled twice because of proof of garaging that was not sent in the first time. I wasnt sure at the time what that meant or what happen so after that I started the policy back up and paid again to get it back for it to get cancelled because of the same thing to later find out the they meant proof of address. So now they tell me it was because of a payment return and that they still insured me but as I told the rep on the phone I have no knowledge of a return payment or anything and I told them it was still no reason to put it on my credit. The information they have on file for me was incorrect so I never received an email I only received mail that said cancellation due to proof of garaging. They would not listen to me or work with me in anyway so I decided to take the next step.I also asked for supporting documentation of anything they said to me on the phone and they would not provide and I was given attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I had lost my card, I received a call from the bank fraud stating " Did I know that there was activity happening on my account. '' I told them no I didn't know and I looked on my account and seen unauthorized transactions and realized I had lost my card at this point. I was told I had to go into the branch to file a dispute. I filed a dispute for the transactions and they told me they would do an investigation so I waited. I received a letter in the mail stating that they conducted there investigation and there was insufficient evidence to support the fraud claim so they closed the case and DID NOT CREDIT my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: SC

Complaint narrative:
I submitted documentation to all 3 credit bureaus on XXXX XXXX XXXX, bureaus did not respond within the 30 days granted by law and all listed accounts are in direct violation of the law. 15 U.S.C. 1681 section 604 STATES THAT Consumer Reporting Agencies such as XXXX, XXXX and Transunion can not furnish and account without my written permission. 15 U.S.C. 1681 section 602 States that I have the RIGHT TO PRIVACY. A consumer report means any written or oral communication bearing a consumers credit worthiness. A consumer report excludes or does not include transactions or experiences soley based on information between the consumer and the person making the report. The accounts listed below are fraudulent and should be removed immediately. The bureaus have not responded in the time allowed by law and they are blatantly breaking the laws set forth. 

XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX Ref # XXXX all credit inquiries should be removed because I haven't applied for any new 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
Consumer complaint received 2023-04-06 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: SC

Complaint narrative:
I submitted documentation to all 3 credit bureaus on XXXX XXXX XXXX, bureaus did not respond within the 30 days granted by law and all listed accounts are in direct violation of the law. 15 U.S.C. 1681 section 604 STATES THAT Consumer Reporting Agencies such as XXXX, Equifax and XXXX can not furnish and account without my written permission. 15 U.S.C. 1681 section 602 States that I have the RIGHT TO PRIVACY. A consumer report means any written or oral communication bearing a consumers credit worthiness. A consumer report excludes or does not include transactions or experiences soley based on information between the consumer and the person making the report. The accounts listed below are fraudulent and should be removed immediately. The bureaus have not responded in the time allowed by law and they are blatantly breaking the laws set forth. 

XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX Ref # XXXX all credit inquiries should be removed because I haven't applied for any new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: GA

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
We signed a contract with Lexington Law to help us repair our credit on XX/XX/23. The initial fee was {$69.00}. They took out over {$400.00} dollars in one month : XX/XX/23 ; XX/XX/23 ; XX/XX/23 ; with no results on my account or my friends account. 

They have violated my customer consumer law under CROA because they have been charging upfront fees for a service they did not accomplish. Lexington Law has been charging me monthly to remove negatives from my credit report. I was informed verbally that this was a family plan, that we would be charged {$130.00} a month for the both of us, not separate as we are a family & live together. 

They were suppose to refund me 3-5 business days from XX/XX/23 & when I called today, XX/XX/23, they kept saying they can only refund once they investigate the phone call, as every call is recorded. I requested the recorded phone call & they did not want to release it by giving me the run around. However, they proceeded to refund me half of that money after claiming my legal rights to receive all of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: FL

Complaint narrative:
Back in XXXX XXXX XXXX I had repeatedly contacted XXXX about canceling my account. Each time I was instructed to research my code work by emailing them, which I did. I changed the code word and was still unable to cancel my account. I then sent an email to them stating that I had already attempted to change the code word and cancel my service but their system would not allow me and they would not allow me to do so over the phone. So now 3 years later they send a bill for {$500.00} for a system/account that was never even used and was canceled. I did exactly as they instructed and could not cancel my account this is a very illegal business practice.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Since XXXX I have been going back and forth with American Express to waive the annual fee for XXXX. ( XXXX XXXX service member ) {$700.00} annual fee Multiple times they have enter the incorrect request such as XXXX. They keep apologizing and stated that the correct request is put in now and I need to wait an additional 60 days. I have been going through this with them for almost 120 days and they are unable to provide any update or escalation. 

Meanwhile the interest charges keep accumulating. I find this to be a dis service for military considering it was there mistake in the first place and I'm left clueless and noone has any answers. 

I have sent them my military order, ID, and XXXX letter showing that I am XXXX XXXX and they still keep my status PENDING and have not waive the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: MI

Complaint narrative:
XX/XX/XXXX. Transunion and XXXX added 2 hard inquiries that are not mine. 

1. XXXX corrected it but THEY are still reporting the 4 point drop these caused in my credit score! 

2. XXXX is still showing them but thier is no contact info. 

3. I can't reach XXXX 4. XXXX XXXX NA says they don't have any record of this so they can't do anything. 

I have not applied for ANY kind of loan or insurance. 

I beleive this fraud might be from someone that I had incarcerated for stealing my car in XXXX. He was released XX/XX/XXXX, the night before these inquiries showed up. He has a background of fraud. Also, on XX/XX/XXXX he called my daughter and asked for my birthdate, claiming he wanted to send me a bd card. Unfortunately he caught her off guard and she ignorantly gave it to him. It was shortly after she gave it to him that these 2 inquiries showed up. 

I have since frozen all my credit accounts and added fraud alerts to them all. 

Regardless, I haven't been able to get anywhere with XXXX at all. XXXX removed them but did not restore my credit points. Trying to contact these other 2 companies that caused all of this has been futile. 

XXXX ( Finance ) XXXX XXXXXXXX Na ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX Although having these inquiries on the TRANSUNION ( XXXX ) report are not currently affecting my score, they said they will if they are there more than 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am purchasing a used boat. Bank of America has a ships mortgage on the XXXX XXXX title that they have not released. We have tried numerous channels to get a response from B of A with no response. This is a 20 year old loan that we confirmed was paid off in XX/XX/2004. Again, big bank no consequences for no responding to consumers who aren't putting money in their pockets. What can I do??

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 2023-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tri-State Adjustments, Inc.
State: NJ

Complaint narrative:
I am on the NJ State Medicare QMB program where I do not have cost sharing of coinsurance, and deductibles. or co-payments from all/any healthcare providers. When I see a health care provider I give them my NJ state Medicare QMB letter which states the above and is a volitation with sanctions under four sections of the social security act to bill me or put me in collections under this Federal Medicare billing agreement. I also submit to them my Medicare card and Medicare XXXX XXXX XXXX 
I am being harassed by collection bills, and have been put into collections. and have also filed a complaint with Medicare.

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 2023-04-06 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: NV

Complaint narrative:
I have contacted Experian about fraudulent accounts/Activity that are showing up on my credit report. 
Ive tried contacting the police department no one ever showed up when I called back I was told that they are short staff and will be out after I explained my situation to the dispatcher she then told me that someone will be out as soon as they are able too and no one ever showed up. 

I feel like my issue is not being taken serious and all I want is for this to be fixed and removed I am truly being affected by this and its causing me a lot of sleepless nights and distress and XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 a person should not furnish any information relating to any consumer reporting agency if the person knows or have any reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if 1 ) information is in fact inaccurate Someone needs to be held accountable for this!

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