vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was victim of the Equifax data breach and its accounts on my consumer report that I do not recognize and my personal information was compromised by Equifax and it has almost ruined my credit worthiness and ability to obtain a loan or any thing else that data breach has impacted my life in a very negative way and it was at no fault of mine and Equifax just admitted to reporting wrong scores and information about a year ago also I lost a home loan and a car lease because of the score that Equifax had reported wrongly on my consumer report about a year and a half ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never could get through on the phone which made me very suspicious and is why I'm filing complaint.

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 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am writing to express my disappointment with the inaccurate credit reporting done by XXXX XXXX XXXX XXXX. This reporting has severely damaged my financial situation. On XXXX, I noticed a new account on my credit report that I did not open. I immediately sent a notice to XXXX XXXX XXXX XXXX, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, XXXX XXXX XXXX XXXX has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that XXXX XXXX XXXX XXXX immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If XXXX XXXX XXXX XXXX does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit in Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: OH

Complaint narrative:
I filed complaint # XXXX on XX/XX/2023 after I noticed accounts on my report that didn't belong to me. The complaint was closed witha comment that states the complaint is still open. This companty is attemting to extort payments from me. This company is recieving money from the furnisher for this false account being on my report. This company is defaming my character. This company is not protecting my report from inaccuracies. This company has failed at its assumed role and is in breach of contract.

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 2023-11-28 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: Lendmark Financial Services
State: KY

Complaint narrative:
XXXX of XXXX my vehicle was stolen with my wallet being inside wich lead the perpetrator to identity theft & later wrecking my vehicle before being in police custody. 
On XXXX. XXXX. XXXX the defendant plead guilty to misdemeanor theft, evading police, property theft and damage under XXXX. 
I am submitting indictment court issued documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Home American Mortgage Corp
State: UT

Complaint narrative:
The company withheld funds for year end property tax payment. 
They assumed my property tax would be higher than it actually was and failed to return a fair portion of my escrow account overpayment for property tax. 
I called the escrow manager and as requested sent the actual and verified county assessment for property tax. 
She said they can't make an adjustment once the credit for overpayment is sent to me. 
They are holding on to about {$2000.00} of my overpayment money until XX/XX/2024 which is not reasonable.

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 monetary relief
Consumer complaint received 2023-11-28 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: Capio Partners, LLC
State: OH

Complaint narrative:
Capio Partners Company balance XXXX balance XXXX original company XXXX XXXX XX/XX/2020 Date started This company is damaging all 3 of my credit reporting such as XXXX, XXXX, and XXXX. They are reporting inaccuracy information and updating dates to make it seem like this is an current account i tried calling them to get detailed copies of the debt and and they are rude, nasty and all they want is the money and hard to work with and i ask them to cease and decease and they continue to harass me. This is also being added duplicate times on my credit report and they still wont send out information so this matter can get handled it cause me to get denied for housing and jobs and any other credit that i have applied for. they also violated my HIPAA laws and rights. They also violated the fair reporting act, they violated the fair debt collections practices act, and defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We have had a Chase bank account for the last 23 years. I am XXXX XXXX XXXX and have created a website XXXX. The XXXX who has a XXXX XXXX in XXXX XXXX and partner lives in XXXX. The costs of building this website could have never been completed here in the US based on the skill level of my colleague. I send money to him via XXXX when he sends an invoice through XXXX and have been paying him for the last two years. This XXXX project started in XXXX and basically took two years to build the content, and another two years to build the website that is free to everyone who wants to learn English as an ( XXXX ) student around the world. 

My deep concern and frustration regarding the recent closure of our business account with Chase Bank. I spoke to the current branch manager in XXXX and she stated leave enough money to avoid fees. We did that. Two weeks ago, XXXX sent a letter stating we need to close XXXX XXXX our bank account since XXXX. In addition, we have saving, checking and another business account with Chase.

Calling Chase did not provide any information as to why the account must be closed. The person said we do not have to tell you why. Investigating this, an article in the XXXX XXXX XXXXXXXX has delivered a partial answer surrounding the suspicious activity report ( SAR ) has been filed. Further, discovering XXXX is not a legislative body but is a group on the government that investigates money laundering. However, being extremely concerned that our tiny company is being affected by suspicious activity report ( SAR ). 

Honestly, I do not know who to contact for assistance on the matter. I feel like our bank account has been singled out for something under the suspicious activity report ( SAR ) and there is no one person to answer questions. 

Now we are launching our website and I need to find a new bank. The lack of transparency and communication surrounding this decision has not only caused significant inconvenience but has also raised serious questions about the need for legislation to protect all consumers from arbitrary bank account closures. 

Not sure if this note will reach anyone who cares, but it sure would be nice to know someone cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, 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.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions 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.

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 explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
I am currently in the process of selling my current home and I received a payoff amount that included an amount that was created by falsely doubling a partial claim that was filed with HUD. I had a partial claim registered for $ XXXX and that was registered. I am no Im the process of selling my home and the company is trying to say that I somehow owe them XXXX $ on top of my mortgage to pay them off. I have provided all documentation proving that they are trying to double the amount due and they are refusing to help assist regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AVANTE
State: TX

Complaint narrative:
AN AGENT FOR AVANTEUSA CALLED ME ON XXXX AND WANTED TO SPEAK TO SOMEONE ELSE. THEY CALLED MY NUMBER OF XXXX FROM THEIR NUMBER OF XXXX. I HAVE HAD THIS PHONE NUMBER FOR YEARS. WHEN I ANSWERED THE CALL, IT TOOK A COUPLE SECONDS FOR THE CALLER TO COME ONLINE. IN FACT IT TOOK SO LONG I ALMOST ENDED THE CALL, BUT I HEARD SOME CLICKS AND AN AGENT CAME ON. THE CALLER SPOKE VERY FAST. I ASKED FOR THE ADDRESS AND THE CALLER REFUSED TO GIVE ME THEIR ADDRESS AND HUNG UP ON ME. AVANTEUSA HAS REGISTERED WITH THE TEXAS PUBLIC UTILITY COMMISSION TO USE AN ADAD DEVICE TO PLACE CALLS. THEIR PERMIT NUMBER IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: CA

Complaint narrative:
On XX/XX/2023, I received a phone call and had multiple missed calls from a phone call from a XXXX ( XXXX ) XXXX at XXXX | answered when I got the call again around XXXX and spoke to who I thought was a Chase banker reprehenSive who was stating they were calling from Chase fraud department due to non normal activity of XXXX different charges in XXXX, Texas that were trying to be made. I told them that wasn't me that i am not out of town. The person mentioned they were going to close my chase card and mailed me a new debit card and not approve the transactions ( normal banking conversation ) they then called me back to tell me the call was not successful and had to give me a temporary pin code for my new chase card that I could add to XXXXXXXX XXXX within the next 2-3 hours. We hung up and I thought my card was safe and was waiting to receive my funds back from the supposably transactions that were taking place in Texas ...... I had my XXXX boys football games at XXXX & XXXX that same day so l was a little busy with them. After the game we grab some dinner I check my account and noticed all of the withdrawals that had took place. I immediately called the bank at XXXX at XXXX ( XXXX ) XXXX and was concern on these transactions if my card was closed and a new one was on the way. The reprehensive I spoke to said they had no call record of me speaking with anyone carlier and the transactions were done with XXXX XXXX at an atm located at XXXX XXXX XXXX XXXX. I filed a claim with fraud department. Today I went into a Chase branch and spoke with a banker XXXX XXXX located at XXXX XXXX XXXX XXXX she was very helpful called the fraud department and come to find out the bank denied my claim to return my funds due to it being done with XXXX XXXX So they are trying to say it was possibly me. I contacted apple pay and they have no record of me ever adding my debit card to my XXXX XXXXXXXX. I would like the surveillance camera views and the person prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2023, I obtained a copy of my Consumer File from Experian. After looking over my Consumer File I noticed that their were a lot of errors in Experian 's reporting. On XX/XX/2023 I mailed a certified letter to Experian, ( that they received on XX/XX/2023 ), demanding that they validate these inaccuracies with 100 % MAXIMUM ACCURACY. The accounts in question are as follows : XXXX. Company : XXXX XXXX XXXX ( I DO NOT RECOGNIZE THIS LENDER AND ACCOUNT ) 2. Company : XXXXXXXX XXXX XXXXXXXX ( I HAVE NO KNOWLEDGE OF THIS ACCOUNT ) 3. Company : XXXX ( I DON'T REMEMBER EVER BEING LATE MAKING A PAYMENT ) 4. Company : XXXX ( I DON'T REMEBER EVER BEING LATE MAKING A PAYMENT ) 5. Hard Inquiry from XXXX XXXX XXXX XXXX on XX/XX/2023 ( I did not authorize them to complete a Hard Inquiry on XX/XX/2023 ) I informed Experian that I DO NOT recognize this information and to investigate and verify with 100 % MAXIMUM ACCURACY with the original creditor. I gave Experian 30 DAYS to provide me with the following information : *I requested copies of documentation associated with these accounts bearing my signature. 
*Statements and records of all payments. 
*I also demanded that Experian remove these errors in their reporting if they could not validate with 100 % MAXIMUM ACCURACY. 

Today is XX/XX/2023 and I HAVE NOT RECEIVED ANY RESPONSE VIA THE ADDRESS PROVIDED ON THE LETTER that was sent to Experian.

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 2023-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/2023 my CashApp account was closed without warning. Ive been reaching out to the company to try to resolve this issue however, every time I access their customer service number, Im told they can not discuss the account with me and I have to contact them through the customer support chat. When I try to contact someone through their customer service chat they tell me they can not help me and I have to wait on an email from CashApp to resolve. Ive been checking my email account and have not had any communication with CashApp about my account since they closed it unexpectedly. I get this same message each time I reach out for help with my account : You will be receiving your update via email. The response times for our specialty teams may vary on the volume of support requests at that time. I'm unable to confirm any concrete time frame, but I assure you that our team will be in touch with you as soon as they have an update on your case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, pursuant to section 605B, you must remove the fraudulent accounts and inquires reporting to my account. I'm suffering from punitive damages. I went directly to the company and was provided no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number: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 response to consumer: Closed with non-monetary relief