vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
National Credit Adjusters LLC have obtained my personal information from a company without the consent of the consumer ( ME ) in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a copy of the 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records. Company has also violated 29 U.S. Code 1109 - Liability for breach of fiduciary duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My house was sold and closing occurred on XX/XX/. This account continues reflect this mortgage as an open account with XXXX  XXXX XXXX on my credit report dispite several disputes that this account is no longer active.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: WY

Complaint narrative:
XXXX XXXX XXXX purchased my debt from US Bank. 

On XXXXXXXX  my representative, XXXX, contatced XXXX and negotiated a settlement for {$680.00} to settle the {$1300.00} debit. XXXX did take payments on XXXX, XXXX. XXXX stop taking the payments and then sent the debit to XXXX XXXX where it was renegotiate back to {$1000.00}. That agreement has now been paid again but XXXX will not remove the collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: VA

Complaint narrative:
On XX/XX/2023 I placed a call to update my personal information. While on this call I asked was my account closed. I was told no because I had an account balance. I asked what is my account balance I was told that the agent can not provide this information. I then asked what was my last payment they received. I was told again they could not, provide this information, but could confirm that amount if I told them how much I paid last, which I provided them with a amount and she told me that she did not see that amount I told her the last two payment amounts I made. She told me she did not see any of those amount I requested to speak to another agent.

The next Agent did provide me with the correct amount of my last two payments. Ive been requested this and provide me with a balance letter or a payoff letter, which he stated it will be emailed to you. I received the email with somebody elses information on it. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX Contacted third parties and shared my debt. Attempted to fraudulently letting them believe they owed the debt instead of me. Gave them a link to pay and everything including some document about disclosures. Not sure what the documents were but they are not on the lease or liable whatsoever. They have my info and how to reach me and I had contacted them before. Regardless just like the prior company they constantly violate the law and get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: MD

Complaint narrative:
I am a victim of identity theft and I have never file for a bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2023-11-25 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: EQUIFAX, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America Preferred Rewards Credit Card. 
On XXXX I used the credit card to book a zip line tour at XXXX XXXX XXXX ( located in XXXX XXXX, XXXX XXXX XXXX ; the amount is {$450.00}. The company whose billed my credit cart has the name XXXX XXXX XXXX XXXX. The following day I received a news that my flight from XXXX to XXXX XXXX was cancelled due to weather issue. As a result, I immediately inform XXXX XXXX XXXX to cancel my tour and they agreed to refund 50 % of the amount, totalling {$220.00} ( please see the attachment for the cancellation agreement ). For some reason, on XX/XX/2023, they made XXXX refund transactions ; each in the amount of {$220.00} and I thought they went above and beyond to resolve my issue. However, on XX/XX/2023, they billed me again with XXXX transactions ; each in the amount of {$220.00}. As a result I'm at net loss of {$450.00}. 
Up till now and despite many attempts with both the mercant and my credit card company, I still haven't received the promised refund.

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 2023-11-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2023-11-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 1681c. ( 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2023 I submitted a mobile deposit. It was received on the XXXX and said it would be available XX/XX/2023. So I called Tuesday, XX/XX/2033 I wanted to check why was the check on hold and then was told by a guy who worked for Chase said my account was suspended. I did not understand why they decided to suspend my account and not tell me. I believe it was very wrong that they suspended account so that I could not use my money. The XXXX man who I spoke to on XX/XX/2033 told me that the check was more than what I make so they thought me depositing {$3000.00} was suspicious and it was my first time making a mobile deposit. Since they suspended my account, they affected me from getting paid today, XX/XX/2023. So I did not get my check nor did I get my pay from my job all because of Chase holding my funds. I am unable to pay bills and pay for groceries because of Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: CA

Complaint narrative:
I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is still inaccurate and your company STILL continuing to report errors on my credit file, which is causing damage to my credit score as well as affecting me in funding my business. According to 15 USC 1681 : I have the right to privacy and I did not give consumer report agency a written permission to furnish this account : Account name : XXXX XXXX XXXX Account number : XXXX Amount {$1300.00} I have previously requested that you delete these information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Credit agencies are govern by 15 USC 1681 s-2, they violated my rights numerous of times as well as 15usc6801, 15usc6802 states an ongoing protection of consumers rights may not disclose unless provided to the consumer and 15usc6803.

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 2023-11-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is still inaccurate and your company STILL continuing to report errors on my credit file, which is causing damage to my credit score as well as affecting me in funding my business. According to 15 USC 1681 : I have the right to privacy and I did not give consumer report agency a written permission to furnish this account : Account name : XXXX XXXX XXXX Account number : XXXX Amount {$1300.00} I have previously requested that you delete these information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Credit agencies are govern by 15 USC 1681 s-2, they violated my rights numerous of times as well as 15usc6801, 15usc6802 states an ongoing protection of consumers rights may not disclose unless provided to the consumer and 15usc6803.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened my Chase account at the beginning of the year after switching from XXXX XXXX because they wouldn't allow me to opt out of overdraft protection. In any case, Chase has regularly placed unnecessary holds on check deposits since I opened the account. Sometimes for just a few days, sometimes up to 14 days. In each instance, the checks have been around {$100.00} or less and nobody can explain to me why the hold is being placed. They used to tell me it was because the account was new. Then it was XXXX within this deposit may not be paid because of information we have received from the paying bank or due to information we have within our own files. ' But nobody could explain to me what that meant. The most recent example was from XX/XX/23. I stopped to deposit 2 checks, 1 for {$75.00}, the other for {$95.00}. The {$75.00} went it immediately, the {$95.00} had a 12 day hold placed on it. When I sent a secure message to inquire about why, I was gaslit and told there was no hold even though I received and email saying so and can clearly see the withheld funds on my app. But the worst example of all was when there an error made between my rental company and I. The rental portal would not allow me to process my payment and their system locked me out. Then because rent was late, the eviction process started automatically and the only way to stop it was to pay by certified funds the past due balance plus the next month 's rent. I had to borrow money from a friend who had written me a check for {$1700.00}. I had over {$1800.00} in my account and asked if I could cash the check since I had the funds to cover it. They told me it wasn't an option. Instead, they deposited the check and placed a 9 day hold on it. I told them I would be evicted before it cleared and they gave me a XXXX # to call. From there, I had to engage in a 4 way call between a XXXX representative, my friend, a representative of her bank, and myself. In that phone call, she had to share her account access information, verify she had written me the check, and her representative had to verify the funds were available. After all of that, the check still was held for 8 days, despite it clearing her account the following day. I had to borrow money from another friend, wait for that check to deposit and then pay her back. The whole thing was ridiculous and makes absolutely no sense to me. I have not bounced a check or received a check that was returned unpaid, and even if I had, how would I be at fault being on the receiving end of a bounced check? I searched XXXX and see I am not the only person who gets random holds placed on deposits for no reason through Chase and can't help but wonder how much interest they collect on unnecessary holds like this. As someone living paycheck to paycheck, I can't afford to spend weeks waiting for access to my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Fay Servicing is falsifying escrow statements to try to collect fees and default interest from customers. They falsify dates and amounts of disbursement in order to create escrow shortages that dont actually exist in order to demand extra payments. For example, on my recent escrow statement, they put down that they sent out XXXX  to the county for property taxes in XXXX XXXX XXXX. In reality, the amount was XXXX and paid on XX/XX/. The escrow analysis was done in XXXX XXXX XXXX  and claimed that they had already disbursed payment, even though they had not and would not for another month. They also falsely claimed that they made a Home Insurance payment on XXXX, even though the insurance company didnt send them the bill until XXXX By playing with dates and amounts, they create huge escrow shortages, {$12000.00} in my case, and try to collect this money. If you are unable to pay this quickly, as was in my case, they then try to collect fees and default interest which is not actually written into your mortgage. My autodraft date was XX/XX/XXXX, and I put a stop-payment on the draft because the amount, which went from XXXX to XXXX, looked like an error. I called them multiple times that week to resolve the escrow shortfallwhich later I found to be based on false numbers and dates. On XX/XX/XXXX, I received a phone call from XXXX XXXX trying to collect {$9300.00}. He was trying to collect default interest repeatedly demanded I pay two payments, and default interest for 40 days, ( he had the wrong due date, I was 32 days behind ) and repeatedly refused the XXXX mortgage payment, which I offered to pay in full. Ultimately, it turned out I did not owe any default interest, according to my HUD statement. I have been locked out of my account, they have {$4000.00} of my money that is sitting unapplied and they refuse to respond to my requests for payment history or escrow analysis to be corrected. I have to jump through hoops, such as sending them electronic money orders through 3rd parties, to make my monthly payments, which they then keep unapplied until I pay them the full amount based on false escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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