vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 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: PA

Complaint narrative:
I tried reaching out to this XXXX several times about accounts that do not belong to me and are reporting on my credit! This information is fraudulent and i want it investigated and removed immediately off 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 explanation
Consumer complaint received 2022-01-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: MI

Complaint narrative:
To whom it may concern : I am writing to submit a complaint regarding Selene Finance. I do not have a mortgage through this company but I did assist a neighbor in a problem he was having. Selene has a customer service phone number ( XXXX ). When you call and press 2 for Spanish there is a prerecorded message that plays and then abruptly stops so Spanish speaking callers are not able to proceed with their calls! There is an option to press 1 if you are having financial difficulty and it will connect you with a representative, but even if you press option 1 it does not do so. And then if you continue with the call to see about other options the message ends abruptly. I alerted a customer service representative to this and she said she would 'make a note in the file ' of the consumer I was helping. This is a problem when calling from multiple different phone numbers and has not been resolved since it was brought to their attention on XX/XX/22. Please investigate immediately as this is a barrier to Spanish speaking individuals being able to access such an important service!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
In XXXX during the outbreak of Covid my work had slowed down due to the high lumber prices so we called our mortgage company and asked if they could defer a few payments, they would not help at all, but we continued to struggle and made the payments on time, then on XX/XX/XXXX I came down with Covid and could not work for almost 30 days. Due to that I was 31 days late on my payment and they reported it to the credit bureau and my credit dropped XXXX points. So we called them again to explain the situation and they refused to help in any way, I had never been late before with them or any other loans. I have worked hard to keep my credit rating good and by this one thing thing they have messed my credit up and made it harder to get the things we need

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
FIRSTPOINT COLLECTION AGENCY VIOLATED HIPPA LAWS AND THE FCRA, CFPB AND FTC GUIDELINES, GOT MY MEDICAL INFO WITHOUT MY CONSENT AND NEVER RESPONDED BACK TO MY DISPUTE LETTER I SENT TO THEM ABOUT A DEBT THAT I DON'T OWE. THIS DEBT IS FRAUDULANT. I DON'T KNOW WHO THIS AGENCY IS, NEVER HEARD OF THEM AND NEVER AUTHORIZED THIS AGENCY TO PULL MY MEDICAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: MD

Complaint narrative:
Received an email from Chime advising me to set up direct deposit on a new account that was opened in my name. Advised that it was not me and asked them to close the account. Which they did. However, when I requested the information used to open the fraudulent account, they refused to provide without the last four numbers of my social security number, a police and identity theft report. 

I advised that I was not going to send my social security info through email and asked how I was supposed to report this to the authorities without the information. They proceeded to keep asking for the same information. 

All of this was communicated through email. I asked for a contact number to speak to a live person. That request was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
My account was just purchased by another lender. I had documented on my previous account all my payments and payoffs but now none of that is available online. The account originally is through XXXX and recently just transferred to XXXX. There is no payment history and my payoff seems a lot higher than it was originally about a year ago. I am very displeased with my payoff, even my father was trying to sell some property to help with this debt and was in shock when he heard my payoff, mentioning it was a lot higher than it should be the last time he has asked when he was selling some assets, which we couldn't attempt due to my vehicle kept having issues and some other hardship at the time. I was making payments timely after school, but I had a difficult time initially after school with finding a job that was not just one to subdue at a lower paying income in order to pay bills raising 3 children without child support while I searched and supported them. I did get married for a few years but he never was at a higher income reporting that could get everything back to normal as he was not contributing as he should and his business income suffered regularly from what he reported. I also have to pay for 4 children now single without child support, working as a state government employee and was interested in loan forgiveness and seeing what new options I have, and I am soon about to change careers along with considering re-entering into school for masters degree, but I am now figuring out I may just be growing a large monster bill- and will it be worth it to struggle afterwards as well as I remain in the percentile considered " middle income '' which in reality for me is poverty level since I would be paying my student loans with high payments, all my bills for mortgage, utilities, child care, and have little to eat on from a current {$43000.00} income at the State of TN XXXX pay scale Administrative Manager position, then going to masters degree raising it to.. what $ 10,000- {$20000.00}? Obviously I would have to leave the Government position to find alternatives to survive it seems. I am really interested in finding out what I am capable of doing about my missing payment history and what on earth can i do moving forward with an advisor financially seeing that I have concerns with the current lenders who swapped hands with my account. I understand that XXXX XXXX also isnt to better yourself for post graduate degrees? WHY? What on earth .... is this a plan someone to keep poor people poor or is this also incorrect information? Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX, XXXX, and Capital One bank posts late payments on credit report on a consistent basis when debt has been paid off years ago, I have contacted each company and disputed through credit bureaus multiple times within the past years, Im sure the debt is past the statue of limitations, I want the late payments removed from my credit report. The debts were paid, Why do they keep posting late payments to credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: Social Finance, Inc.
State: MD

Complaint narrative:
XXXX XXXX, Sofi, and XXXX XXXX bank posts late payments on credit report on a consistent basis when debt has been paid off years ago, I have contacted each company and disputed through credit bureaus multiple times within the past years, Im sure the debt is past the statue of limitations, I want the late payments removed from my credit report. The debts were paid, Why do they keep posting late payments to credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: CA

Complaint narrative:
This is my second complaint to this company. My reference number is # XXXX. The company said my name was not on the Loan. This was the companies response : We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

Clearly by my credit report my name is on the loan. I would like this reopened and something done about this fraudulent account on my report. 

i feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2022-01-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my second complaint to this company. My reference number is # XXXX. The company said my name was not on the Loan. This was the companies response : We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

Clearly by my credit report my name is on the loan. I would like this reopened and something done about this fraudulent account on my report. 

i feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: TX

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I went to 3 different branches to wit drawl money and was not able to. The 3 branches did nit have access to the safe.

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 2022-01-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported unauthorized use of my card and account bank of america did not see any unusual activity closed my claim. few weeks later they froze my account due to unusual activity on my account. i called and reopened my claim gave them the police report case number. i then received a letter stating they had closed my claim again

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 2022-01-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2022-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I booked a stay at the XXXX XXXX XXXX in XXXX XXXX, SC for XX/XX/XXXX through XX/XX/2021 using Chase Ultimate Rewards Travel. The reservation was for an ocean view suite with two double beds. When we checked in, we were given a " sunset view '' ( city side room ) with 1 bed and sofa bed. We complained to the front desk. They did not have an ocean view suite available to move us to. We asked about why our room was not correct. They said that the booking came in through agoda.com as a sunset view room. I immediately contacted Chase concerning the issue. They told me that they agreed that I had made a reservation for an ocean view room and that they would look into the matter. 
After numerous phone calls to Chase, they are still " investigating '' the issue. The response is always, call back in another 24 to 48 hours for an update. This has been going on for over two weeks now. They talk about refunding my points, but that has not happened. I asked for the matter to be escalated to another management level over a week ago. That has still not happened. 
In addition, when I checked in at the hotel, I was charged an additional {$94.00}. The bill was unitemized so I could never determine exactly what it was for. The hotel employees kept changing the story as to what the charge was for. I asked for an itemized bill at the front desk, but they refused to give me one. At one point, a front desk worker claimed the bill was for resort fees, although the total amount was greater than expected cost for resort fees. In any case, I complained about issues with the hotel ( including room phone not working, heater broken in hot tub ) and the employee agreed to remove the charges, but would not offer a receipt for that. I do have an audio recording of her making the statement about refunding the fees. As far as I can tell, the hotel has not refunded the fees yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.

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