vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Debt originated with XXXX XXXX in the amount of {$440.00} on XX/XX/XXXX and was charged off on XX/XX/XXXX. The debt was purchased by Lvnv Funding, which is represented by XXXX XXXX Friday on XX/XX/XXXX. A lawsuit was filed by Lvnv on XX/XX/XXXX ( Case number XXXX ) in XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. The lawsuit is for {$920.00}. 

I received two notices of intent to collect the debt before the formal complaint was taped to my front door on XX/XX/XXXX. Since the debt was written off and I paid the taxes for the debt, I believe that this debt has been settled and that I do not owe anything anymore. 

I am XXXX XXXX XXXX and live on XXXX XXXX and a small payment for teaching an online course for XXXX XXXX XXXX. It is not possible to pay what is considered a closed case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am letting you know, respectfully that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you will fix the situation. 

Here is the wrong info : Account Name : XXXX XXXX XXXX This account is reporting late on my credit report and I was never late with this account. The account is very inaccurate. It is also reporting being late on months that are not even on or matching the other reports. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payments like this are preventing me from obtaining credit that Im trying to apply for because it is lowering my credit score big time. I have already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can not be reported. I take this very seriously and I would appreciate it if you remove the late payment mark off this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  My identity was compromised even though I am working diligently with credit freezes. There are inquiries I do not recognize showing on my credit report. 
The inquires I listed above were not warranted by me and I would like them to be investigated and removed in accordance with the fair credit report act.

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 2024-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BSI Financial Holdings, Inc.
State: MO

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against BSI Financial Services regarding their failure to respond to my inquiries regarding an escrow overage check. I believe this matter requires your attention and intervention. 

Details of the complaint : Loan Account Information : Name : XXXX XXXX Loan Account Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nature of the Complaint : I have been attempting to contact BSI Financial Services regarding an escrow overage check that I am entitled to receive. Despite multiple attempts via phone calls, emails, and written correspondence, I have not received any response from BSI Financial Services. The lack of communication is causing significant frustration and concern. 

Desired Resolution : I kindly request the CFPB to investigate this matter and facilitate communication between myself and BSI Financial Services. I expect a prompt response from BSI Financial Services regarding the status of the escrow overage check and a resolution to this issue. 

I appreciate your prompt attention to this matter. If you require any additional information, please do not hesitate to contact me. I trust that the CFPB will assist in resolving this issue and ensuring fair and ethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
They first called me about a friend of mine. I could not help them. Then they started combing my socials calling people Im connected to asking for me!!! I have no debt with these people. I never took out a loan with Ally Financial. They need to stop. Friends are reaching out to me concerned and worried.

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 2024-02-04 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates on ( XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) and XXXX XXXX XXXX XXXX  XX/XX/XXXX ). I am now requesting an investigation to provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments to be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase loan XXXX XXXX  Mortgage loan originated at First Republic Bank ( XXXX ) in XXXX XXXX my monthly payments from XXXX XXXX XXXX XXXX in XXXX Right before transferring loan to Chase FRB removed from my account XXXX XXXX XXXX  for loan payment putting my finances into tailspin. FRB promised to return money, but that never happened In addition FRB claimed to pay my RE taxes even though taxes were paid and I supplied FRB XXXX XXXX with documentation submitted to XXXX pending resolution since some of my payments were not applied FRB and than Chase made me responsible for over XXXX XXXX supposedly paid in XXXX XXXX XXXX XXXX XXXX additionally to my payments when my yearly tax bill was approximately XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I sent a notice to rocket mortgage requiring a request for inspection of my wet ink original promissory note and proof of verification and validation of debt, proof of valid contract, proof of they are following GAAP and are the holder in due course.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates on ( XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) and ( XXXX XXXX XXXXXX/XX/XXXX ). I am now requesting an investigation to provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments to be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
Unauthorized credit inquires on my credit report i have no knowledge of. 
ONEMAIN FINANCIAL ( Finance ) XX/XX/XXXX ONEMAIN FINANCIAL ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Concora Credit Inc updated my credit reports in XXXX reflecting 30 days late in XXXX. While in XXXX, my account reflected current. In reaching out to them, the response I keep receiving is the system is generating the updates. Reviewing my credit report, they are updating at least 3 times a month. In XXXX, my file was updated on XXXX, XXXX & XXXX. My XXXX file was reported late on but then revised to reflect current on XXXX. At that time, XXXX and XXXX reflected current. On XXXX, both XXXX and XXXX are reflecting late in XXXX while XXXX is still reflecting current.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: PA

Complaint narrative:
XX/XX/year> I was charged {XXXX} for a past balance from XXXX of XXXX  from XXXX. Not knowing what the transaction was for I disputed it. I agreed that I owed that money. The first XXXX} deducted was never returned to me.On XX/XX/year> I was charged another XXXX. I disputed this also. On XXXX the XXXXXXXX XXXX XXXX} was returned to me. However on XX/XX/year> I was charged the same XXXX again for the 3rd time. I reached out to the bank disputed the transaction and they denied it Im filing a claim before I file a lawsuit in court due to theft. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
National Credit Adjusters amount of transaction XXXX I disputed transactions with all three credit bureaus. Once information was received regarding the original creditor, I agreed with the transaction. However, XXXX states the remark of the Consumer Disputes charge must remain on my credit report. I am no longer disputing this transaction and would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates on ( XXXX, XXXX  and XX/XX/2024 ). I am now requesting an investigation to provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments to be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
I used XXXX XXXX XXXX a few years ago when I was living in California but I was going back and forth from Texas to there. At the time they provided decent prices for otherwise expensive hotel rooms. So at the end of last year ( 2023 ) when I got back on the road I decided to use them again. This was a terrible mistake, for starters I did something I didnt do the first go round and decided to use their monthly service that was priced at {$14.00}. However after noticing that they were charging my card multiple times a month I tried to cancel the service. To no avail they continued to try to charge my card which I ended up locking my card. Once they werent able to charge my card after multiple attempts for the {$14.00}. They then changed the name of their company to XXXX XXXX and started again trying to charge my card only now they were trying to take {$29.00}. Ive had to call my financial institution and notify them to block the merchant because they would not cease in trying to charge my card for multiple times a week at a price we didnt agree upon and a service Ive tried to cancel now multiple times. Finally I got word from my financial institution that the merchant was blocked, however the merchant is now trying to charge me for {$44.00} multiple times a day. I then done research on the company to find out that people had been disputing them and filing complaints about the merchant for years. After further investigation I found that they had done the same thing when I originally used them I was just unaware and saw that hundreds if not thousands of dollars were improperly taken from my account by this scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm INC is a wrong company in my credit report that i dont recognize as mineI formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My family XXXX was ruin XXXX was stolen from my account. I am a new chase customer. I did NOT give anyone access to my account. I see transfer made to account that was not mine. I called Chase bank to explain this. I was given the run around. I did report the transaction online as fraudulent. I never received an update and Chase denied responsibilty.

Why did not chase do security deposit verification like other banks to make sure the account was mine? Just let someone steal that much money and no SECURITY MEASURES in place or notification.I could not get any information to trace transaction. I even checked my bank account the money was there. The worst XXXX ever. My family is without gifts...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My company purchased XXXX amex digital gift cards with a total value of {$6600.00} for employee recognition with the understanding that the cards could be used anywhere amex is accepted ( see attached order ). Once distributed to the employees, it was discovered that the cards have a very limited use. Local grocery stores, gas stations, shops, etc do not accept them. When I contacted amex to seek a refund for one unused card, I was told that digital cards can not be refunded. What was intended to be recognition of employee contribution turned out to be frustrating and disappointing to my best employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SLM CORPORATION
State: NY

Complaint narrative:
Unauthorized credit inquires on my credit report i have no knowledge of. 
XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX SALLIE MAE BANK ( Bank ) XX/XX/XXXX SALLIE MAE BANK ( Bank ) XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I requested original documentation from these companies reporting this inaccurate information on my credit report .No response was provided. 
They have violated my rights 15 USC 1681 c ( a ) ( 5 ) Section States -No consumer reporting agency may make any report containing any of the following items of information [ Any other adverse item of information, other than records of convictions of crime, which antedates the report by more than seven years }

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 2024-02-04 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: NC

Complaint narrative:
I requested original documentation from these companies reporting this inaccurate information on my credit report .No response was provided. 
They have violated my rights 15 USC 1681 c ( a ) ( 5 ) Section States -No consumer reporting agency may make any report containing any of the following items of information [ Any other adverse item of information, other than records of convictions of crime, which antedates the report by more than seven years }

Company response to consumer: Closed with non-monetary relief