vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
Filed a complaint against XXXX on XX/XX/XXXX, for inaccurate reporting to the CRA, particularly XXXX. Until then, this issue has not been resolved. Nor has XXXX provided verification and validation of such debt. I am requesting immediate action on this item by informing the company to cease and desist from reporting inaccurate information to my credit report. This violates the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, not to mention Defamation of Character. I have been a victim of identity theft and have been fighting since XXXX to keep my file updated. Hence, I am taking a vigilant approach to protecting my credit report and XXXX score, which as of a couple of days ago was 755. Because of this erroneous reporting, my XXXX score has dropped 60 points. Reporting the medical collection also violates my HIPAA rights as I do not and have not ever had a medical account with Paramount Recovery Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Paid off all balances with XXXXXXXX XXXXt. They continued to try and charge even after I received my final bill. I submitted a complaint with the Cfpb about the company but cfpb is unable to reach them.

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Paid off all balances with XXXXXXXX XXXX. They continued to try and charge even after I received my final bill. I submitted a complaint with the Cfpb about the company but cfpb is unable to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Freedom Mortgage XXXX # XXXX took over loans from XXXX starting in XX/XX/XXXX. During the process Freedom Mortgage failed to properly notify customers of the change. They did not comply with contact preferences that were previously established with the last vendor despite Freedom Mortgage claiming they would on their website. When they did contact me I was called by phone and addressed by a different name ( XXXX XXXX and told to pay. I then received an email with a second, different name ( XXXX XXXX and loan number on XX/XX/XXXX. I received the correction email on XX/XX/XXXX. A letter was mailed to me with a date of XX/XX/XXXX saying I have failed to pay but not addressing the loan discrepancy issue. I have zero faith my PII has not been compromised by this failure to properly communicate sensitive financial data. I believe customers deserve reassurances or explanations before we provide additional financial information to Freedom Mortgage.

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 2022-08-22 00:00:00
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
It is my understanding as of XXXX My issue regarding an ongoing complaint from XXXX WILL NOT be re-investigated. Per XXXX XXXX it was given to her and she is nt in the credit card department It seems this matter is not regarded as priority and it is very important to me. I have EXPLAINED THE FIRST INVESTIGATION WAS DONE BASED ON THE WRONG PREMISE It should be investigated a a fraud with prejudice. The company told me and gave me false informaiton and I confirmed by getting doctors whom is an expert recommendaion. I do not understand what the problem is and WHY I am being refused an investigation XXXX XXXX stated she will handle the account closure but the investigation was not done and do not plan to do as she does not handle things of this magnitude in her department

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I informed the company that we are the legal owners since XXXX when we the property was first purchased at auction for cash and there were no liens, and that I have the Warranty Deed to prove it, and also proof that the mortgage was previously paid off in full in XXXX as well. After it was paid off in XXXX not realizing this was the case we refinanced with another mortgage company in XXXX. Now how that was possible when the mortgage was paid off in XXXX was a mystery so after some research I discovered that another WD had been recorded and that the original WD was ignored ... so the title and vesting rights were connected to the WD that was recorded last? I asked the people at the County Recorder 's office and they couldn't explain why this had occurred. But that we were the owners. To make a long story short the second WD that recorded was recognized as the legal ownership document when it should not have been and we signed a DOT at the same time that the original WD was recorded but was ignored. So every refinance that we did since XXXX was based on the Deed that was recorded last and not the original! We would not have a Deed if we refinanced the house in the first place! I have provided a more detailed explanation of the sequence of events that led me to stop paying on the mortgage in XXXX. I will include it with the additional documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: TX

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: TX

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: AL

Complaint narrative:
My original mortgage was from XXXX XXXX XXXX. When my aunt died, I became her Executive of Estate and put the mortgage in my name in XX/XX/XXXX. A representative from the mortgage company came out to my office, and I signed the paperwork to switch the mortgage over from my aunt, XXXX XXXX name to my name. I received a letter a few months later saying that I owed {$2500.00} for negative escrow. My mortgage was sold to XXXX Mortgage and now to Selene Finance. I received a letter from XXXX in XXXX of XXXX that I owed mortgage payments from XXXX. I sent in proof from my bank that all mortgage payments from that period were paid. XXXX XXXX  XXXX sold my mortgage to Selene Finance in XX/XX/XXXX. I started making payments with Selene Finance in XXXX of XXXX. All of my payments that I have paid this year have been going to Selene Finance for payments back from XXXX to XXXX XXXX  XXXX for balances that were already paid. I paid Selene Finance a lump sum payment of {$5000.00} from XXXX XXXX XX/XX/XXXX. However, those payments have been misapplied, leaving me to still owe mortgage payments for the entirety of XXXX. I'm at risk of foreclosing my property due to errors in their accounting process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: UT

Complaint narrative:
This issue is with AmeriHome and a forced gap-insurance policy that was created, but later found out to be a mistake by them. 

In the Summer-Fall of XXXX AmeriHome became the new service provider to my mortgage, including paying my homeowners insurance. In approximately XXXX of XXXX, I was informed by them that my mortgage did not have insurance coverage, and I would need to create a new policy, which I did. Then I discovered that they had created a gap-insurance policy ( through a partner company ) for the missing coverage. It was then after many phone calls that I discovered they had been notified many times by the previous insurers that a request for payment had been made but AmeriHome did not pay the due money from the escrow account. I have documents showing they did not pay these requests ( from the previous insurer ). I have been in constant communication with them to discover when a refund for the amount would be received. They then transferred my mortgage to a new servicer. 

On XX/XX/XXXX I again called them only to find out they did not have any further knowledge about the refund and it would likely be added to escrow and that I should call my new servicer to get additional information. On the same day I called the new servicer and they informed me that AmeriHome did not provide any refund amounts to escrow. And I would need to continue this with AmeriHome. 

This process has been painful, unending and highly unethical at best. Any additional information you can offer would be appreciated Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase XXXX XXXX : Social Security Number Activity XXXX XXXX : XXXX XXXX WA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Greetings, I recently opened a credit card and as I was checking my credit score, I noticed that I received two alerts regarding the usage of my social security number. I am not aware how those individuals have used my social security number. Those alerts received are listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am a Bank of America customer and have 3 checking accounts at their banking facility. I received a loan from Bank of America that was deposited into my account ending in XXXX. However, Bank of America withdraw the loan amount payment, that I owed from my account ending in XXXX, which is not associated with the loan payment agreement. The Bank of America loan agreement stated that funds would be withdrawn from the account XXXX, which is the account that received the deposit. 
I am requesting that my account ending in XXXX be refunded the withdrawal amount and restored to a positive balance.

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 2022-08-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account number # XXXX and XXXX  XXXX, XXXX  XXXX  XXXX XXXX  XXXX violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
My credit report recently dropped XXXX points. This was due to a supposed missed payment on a credit card. I wrote to the 3 reporting companies and told them I do not have a XXXX credit card. Equifax told me I needed to correct the issue with XXXX Bank. 

You will notice that I had a previous complaint with XXXX for issueing a card I did not ask for. Evidently, XXXX issued the card to someone else and they have rung up charges and made small payment, then stopped making payments. It has been impossible to get a person on the line at XXXX to discuss this. They keep asking for the account number, which I don't have as I never has the account. 

I never had this XXXX card. 

I was in the process of buying a house, and now my credit score is trashed. 

Credit rating companies should not be able to just pass this off that it is not their fault that the information is incorrect. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I was subjected to fraud when I send my money through XXXX  which is an appt inside my bank account. I contacted the bank more than one time because this was not my false, there was a defect in chase system that allowed the thief to trick me. And I lost {$570.00}, XXXX of them was not my fault at all. Then chase said they do have any control on XXXX, but they are still their partner. 
Then on my email, I received an email from Chase advertising for XXXX. 
They are very rude in speaking to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: IL

Complaint narrative:
I previously submitted a report ( XXXX ) to Equifax Information Services regarding unauthorized accounts being furnished to my consumer report. Under 15 USC 1681c-2 ( a ) Equifax was required to block and delete information related to these accounts " ... not later than four business days after the date of receipt by such agency of- ''. 

I received an email from CFPB on XX/XX/2022 at XXXX ( XXXX ) stating it had sent Equifax my complaint for a response. I provided the required documents, pursuant to 15 USC 1681c-2 ( 1 ) ( 2 ) ( 3 ) and ( 4 ) and they have not yet removed these items from my consumer report. Today is day 6 ( business day ). This is a violation of my rights as a consumer under Federal law 15 USC 1681c-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I reported identity theft in XXXX of 2022 and asked Affirm to close the fraud account. I was told the charges added up to XXXX dollars. Affirm chose not to believe the theft and sent the money to collections without my knowledge. I was told an affidavit was sent however it was sent to the email on file which does not belong to me. I provided the correct email 3 times before the Affidavit reached me. I provided the police report, my drivers license and affidavit only to find out my claim was denied. I called to ask what else was needed and was told my case was closed with no further option. The credit bureaus have report a total of XXXX dollars charged with purchases made in the last several months, despite my request for the acct to be closed back in XXXX. This fraudulent account and poor company communication has cost me over a XXXX point deduction in credit score and increased money sent to collections! 

As reported by several customer service and fraud reps from the company, my maiden name was used as well as the incorrect mailing address, phone number, and email address. I never received a statement from Affirm and the payments were not made by my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On the Citizens Bank website it says that it gives one the option to check there rate for a student loan to see what there rate would be and this would have no effect on there credit report or score. With that in mind i went ahead to check my rate. When I completed checking my rate I saw where a hard inquiry was done on my credit report. I was shocked at this and so I emailed Citizens Bank and informed them of what had happened and asked them to remove the hard inquiry as there website said that it should be a soft pull. 
They have not removed the hard inquiry from my credit report despite my complaint. 
I checked my rate on XX/XX/2022 and up to this date citizens bank has not deleted the hard inquiry from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  XXXX  Account # XXXX and XXXX  XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

I demand that the above accounts are to be updated as Never Late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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