vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-05 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a mortgage with Regions bank whereby the subject property has been occupied by a Tenant since XXXX of XXXX. As per the terms of the XXXX agreement with the tenant ACH drafts are authorized to be made each XXXX Thus, Rent payments have been drafted from Tenants bank account at XXXX and applied directly to mortgage payments at Regions Bank since the inception of the XXXX. 

I recently received notice from Regions Bank of default whereby Regions unilaterally returned XXXX XXXX of mortgage payments to Tenant 's bank at XXXX and classified the reversal on my account as a " misapplication reversal. '' On XX/XX/XXXX, I spoke with XXXX and XXXX at Regions Bank in the collections department ( neither gave their last name ). I advised of potential fraud on my account and the situation. The explanation I received is " for any reason and at any time if Regions receives a request to return money they have to honor it. '' I requested a copy of this policy and Regions has failed to provide it. 

The Tenant has enjoyed the use of the property and this is a theft of service on behalf of the Tenant whereby a fraudulent request to return payments to their account was made without my knowledge and Regions followed through with a refund of these payments without my knowledge or approval.

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 2022-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
I lived at The View at XXXX XXXX in XXXX, TN from XX/XX/2019 to XX/XX/2019. My lease was paid in full and I notified the management company when I was moving out. 
Two years later, I saw on my credit report that I was sent to collections that I owed {$2000.00}. I never received any communication that there were outstanding charges from when I lived here. I called the current management company of XXXX XXXX at XXXX XXXX and all they were able to tell me is that I " broke my lease ''. I then asked them to send me a copy of the lease for me to review and they have been unable to provide that to me despite multiple requests. 
When I reached out again, that same management company then told me that a different management company was managing the property at the time I was living there and that if I needed any further information I would need to reach out to them. 
I then reached out the previous management company, XXXX XXXX XXXX, multiple times, received no response and no one is able to send me any documentation of the charges that I am supposedly delinquent on. 
I have no outstanding charges due to the XXXX at XXXX XXXX nor to Consumer Collection MN where they sent me to collections. 

I also reached out to Consumer Collection MN as I never received any notification from them that I was sent to their collection agency. When I spoke to them they also had no documentation of what the charges consist of other than " I broke my lease ''. 

This process has been an absolute nightmare and all I've gotten is the run around from XXXX XXXX at XXXX XXXX who is currently being managed by XXXX XXXX, XXXX XXXX XXXX who was the management company at the time I was living at the XXXX  at XXXX XXXX and Consumer Collection MN. This collections has a negative effect on my credit score and I just don't understand how companies are able to do this to an individual. If someone owes money, the creditor should be able to provide sufficient documentation of the charges. 

I've tried disputing the collections via XXXX and it came back as " verified '' by Consumer Collections MN however they still can't seem to find any verification of the charges that they can send to me???? Somebody please make it make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
After several attempts sending dispute letters and calling all 3 major credit reporting agencies to remove these hard inquiries to no avail they still remain on my credit report XXXXXXXX XXXX XXXX  dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX  dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  dated XX/XX/XXXX, I am writing to you because you reporting the above inquiries on my report that I DO NOT recall please provide proof I applied for credit with these creditors, If you can not provide such information please permanently delete all inquires listed above from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After several attempts sending dispute letters and calling all 3 major credit reporting agencies to remove these hard inquiries to no avail they still remain on my credit report XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX  dated XX/XX/XXXX, I am writing to you because you reporting the above inquiries on my report that I DO NOT recall please provide proof I applied for credit with these creditors, If you can not provide such information please permanently delete all inquires listed above from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act McCarthy, Burgess & Wolff, Internal reference number # XXXX, XXXX XXXX referred account # XXXX is attempting to violate my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2022 I received a text message pretending to be J.P Morgan asking if I made an absurd purchase that I did not recognize. I responded to the text with " No ''. They proceeded to call me right away, pretending to be Chase bank agent. They already had some of my personal information to gain my trust, then proceeded to tell me that my debit card has been compromised and must make a new one. This happened in a very unfortunate timing, because a few weeks prior to this event, my debit card was ACTUALLY hacked and there were multiple attempts of using my funds in absurd places like XXXX. So I had a real Chase agent help me get a brand new debit card on XX/XX/2022. Also beginning of the same month, my XXXX account was also hacked where my card and personal information was compromised and I believe it was the beginning of this huge downfall. 

Fast forward back to XX/XX/2022, the scammer successfully pretended to fix my debit card issue. And then he recommended that I also create a new account to be more safe. At this point, from my perspective, this was my 3rd time getting hacked in less than a month! Therefore I was in a very vulnerable mental state. So I trusted everything he said and followed his directions. He texted me a FAKE Chase website link ( XXXX XXXX XXXX XXXX XXXX  ) where he made me log in and give him the security code so that he can access my account. Then basically I was fully manipulated into wire-transfer all my funds to this " new account '' he created for me- which obviously was a lie- it was to a 3rd party bank. Most likely the scammer 's alias bank account. 

On XX/XX/2022 I began suspecting that I might have gotten scammed since there was no " new account '' created under my Chase account nor the funds came back. After hours of speaking with actual Chase bank agents, I was able to at least submit an identity theft claim. They told me to wait at least 9 days as they investigate. 

As of XX/XX/2022, today, I just got off the phone with Chase telling me that their attempt to get my money back was futile and unsuccessful and that there is nothing else that they can do. So I am left with no help other than going to the police. So this is my attempt at bringing justice back into my life by writing this to whomever it may concern. Life has been tough, and I finally made some money doing good work just to lose them to a scammer... There must be a way to investigate further and track down this criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
We received notice on XX/XX/22 that our XXXX credit card would no longer be serviced by XXXX XXXX XXXX, We were never notified of this change even though, looking on line, it was transferred to Comenity Bank on XX/XX/22. I was first aware of this when I tried to use my card and it was denied, Since I have excellent credit I started to investigate and couldn't get any information by trying to log into XXXX and couldn't. After several days of trying we received the notice from XXXX. I finally reached someone at Comenity where I was told I could log on and pay my bill. Since we NEVER received new cards that would be impossible because we have NO IDEA what the account is. This seems like a SCAM - what bank does business like this? In addition to Comenity bank, XXXX and XXXX should be accountable for explaining to their customers this XXXX up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: MOHELA
State: NC

Complaint narrative:
I never opened an account with this company. I don't know how they got my information. This company is not licensed to collect debt in my state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
On XX/XX/2022 at XXXXXXXX XXXX I drove into parking lot, it stated to enter credit card and to get out, it stated to insert credit card, i did and on the way out, same thing, insert credit card, I paid with credit card as appears on my statement. Appoximately XXXX XXXX later i get a serious of bills with by tag asking for over {$100.00} in late fees and threatening legal action or collection. 

It is a scam!!! I spoke to other people near XXXX XXXX and they say to watch out for that place. They make it impossible to dispute. Frusrated with this, i mentioned to my family at dinner and my son said they bullyied him on almost {$400.00}!!!! last year. XXXX XXXX XXXX is everything But professional. I will attached my credit card payment, the parking sign, the last bill, copy of receipt of my dispute request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
XXXX purchased anything on this card in over two months its been sitting in my closet all of a sudden Ive been paying {$35.00} every month so I can hurry up and pay the {$750.00} off on this card as of yesterday I have a balance of XXXX now today 24 hours later I have a balance of XXXXXXXX XXXX XXXX dollars Im getting hit for late fees and Im not even using this card

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 2022-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Freedom Mortgage is refusing to give the rest of my insurance check claim funds to fix my house from Hurricane LaurXXXX which happened OVER 2 YEARS AGO. They have refused to engage in common sense talks to solve my issue and have done nothing but tell me lies. They changed companies who handle insurance check claims in the middle of us fixing our house and we have done inspections and guess what no money was released.The original amount for insurance was $ XXXX, and we got $ XXXX up front, but with inflation and labor shortages that money is long gone. We are almost finished with our house, but we are unable to finish or make more progress because they refuse to release the last $ XXXX of our money. They want to deny us from getting our money so they can keep making interest off the account, and my family suffers while we live in a tiny little camper. 

I have tried for the past 6 months to handle this with the company in every way possible, but they refuse to help me. We are at the point that we are going to re-finance with a different company just to get away from them even if it means us getting a worse finance rate. We didn't choose Freedom Mortgage, they bought our loan from XXXX XXXX, and by far it has been the WORST EXPERIENCE of any mortgage companies we have ever dealt with point blank.

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 2022-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom this may concern, I have multiple inquiries from XXXX XXXX XXXX I didnt give XXXX XXXX XXXX XXXX consent for inquiries. I have disputed the inquiries and over 20 deleted reports from XXXX XXXX was removed, due to these deceptive tactics I have been financially unable and stressed. I now noticed that these are violations under the FDCPA and XXXX XXXX is legally obligated to pay for violations. Like I said I have over XXXX and Im putting yall on notice so we can have this matter taken care of. Also I received a report from a new debt collector stating I owed a debt of {$510.00} and I learned XXXX XXXXXXXX XXXX sold them my information without any consent another illegal tactic this company has made against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: CA

Complaint narrative:
To whom this may concern, I have multiple inquiries from XXXX XXXX XXXX  I didnt give XXXX XXXX XXXX  XXXX consent for inquiries. I have disputed the inquiries and ovXXXX XXXX XXXXeted reports from XXXX XXXX was removed, due to these deceptive tactics I have been financially unable and stressed. I now noticed that these are violations under the FDCPA and XXXX XXXX is legally obligated to pay for violations. Like I said I have over 20 and Im putting yall on notice so we can have this matter taken care of. Also I received a report from a new debt collector stating I owed a debt of {$510.00} and I learned XXXX XXXX XXXX  sold them my information without any consent another illegal tactic this company has made against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX ACCT XXXX XXXXXXXX  I'm writing to you regarding discrepancies I found on my credit report. 
Why is this account being report with 2 different dates of last activity on the 3 major credit reporting companies also different dates of opening the account XXXX reporting open account and 120 days late, XXXX and Experian reporting past due amounts this is a violation of FCRA and also in violation of requisite METRO 2 complaint reporting standards. 
by the provisions of the FAIR CREDIT REPORTING ACT and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 compliance regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliant, and verifiable.

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 2022-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Midland Credit Management placed two collection lines on my credit report without providing me a chance to send a validation challenge. This was a brazen violation of my rights. 

I successfully got these lines removed from my credit reports as the documents that they presented ( eventually ) were clearly doctored and contained no identifying information that any of these lines were mine. This includes : lack of signatures, no ssi number, no birth date, etc. 

This company has now proceeded to harass me through XXXX XXXX XXXX ( their lawyer ) by threatening to sue me for an invalid debt, repeated phone calls numerous times throughout the day and by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX - XXXX opened an American Express Business card. At the time i was advised I would receive XXXX miles when I spend XXXX as long it was within the first XXXX XXXX. I was also advised I could access all American Express lounges at the airport. 

XX/XX/XXXX - I called to ask why I had only received a small portion of my XXXX  miles. The agent advised it can take up to XXXX XXXX XXXX XXXX to receive them all. I let her know that was not what I was advised a the time of enrollment. 

XX/XX/XXXX - XXXX tried to enter the XXXX American Express lounge at the XXXX airport with my clients there were traveling with me, as advised I could at the time of enrollment. The staff member let me know she can not let me in, I can only enter the XXXX XXXX  lounge on the other side of the airport. I spent over an hour with an agent on the phone that could not resolve this situation. I asked to speak with a supervisor. The supervisor advised her only recourse was to open an investigation that could take a few weeks. 

XX/XX/XXXX - I called to find out about my miles and the result to the lounge entry issue. The agent advised the investigation is open and there is nothing she can do for me. She transferred me to a supervisor who stated she can open an investigation for the mIles, because she sees that the code on my account states on XXXX miles not XXXX. As for the already open investigation, she advised the prior person was wrong that it can take up to XXXX as allotted by the CFPB regulation. 

XX/XX/XXXX - XXXX received a call letting me know they fixed the issue with the miles and all miles had been added. They also advised the other investigation was still open. 

XX/XX/XXXX - I called to inquire to the investigation as it had now been open for XXXX XXXX. Once against the agent couldnt do anything. I asked to speak to a supervisor again. This time the supervision advised the prior advisor was also wrong as well. The investigation can take between XXXXXXXX XXXX 

I can not get a consistent response or a resolution. They continue to extend their turn around time advising the last person was wrong.

Company response to consumer: Closed with explanation