vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 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: AL

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 U.S.C. 1681. 

Account name : XXXX XXXX  # XXXX 15 U.S.C. 1681 Section 602A. Accuracy and fairness or credit reporting. States I have the right to privacy 15 U.S.C. 1681 Section 604A ( 2 ). It also states a consumer reporting agency can not furnish a account with out my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ). Section states. No consumer reporting agency may make any consumer report contaning any of the following items of infomation. 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 non-monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Messerli & Kramer P.A.
State: SD

Complaint narrative:
I first received a garnishment order from Messerli and Kramer for XXXXXXXX XXXX for a XXXX XXXX credit card of {$780.00}, on XX/XX/XXXX. I was not notified of any such debt before the garnishment order was granted. I then check my credit report and it was not listed as a collection debt for any XXXX XXXX account. I then went through the court to reverse this and it was granted in my favor for them not notifying me. I then received another garnishment order from the same company and the same file number from the sheriff on XX/XX/XXXX. This time the amount is different {$1100.00} plus costs. Here again. There is prior notification to me to dispute this debt. I never received one piece of information for this account or a court date to appear to dispute this account. This time, it just shows it was eSigned from their company and no letter was attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XXXX XXXX I found out from my credit report someone opened an account with Bank of America. I called them they said they would close the account and look into it. As of XXXX XXXX I am getting past due owed money and they destroyed my credit score. I called them XXXX and they said they would take care of it, refused to provide me with a case number for the second time. Person opened account with a wrong address and used my maiden name.

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 2022-12-02 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. Thank you in advance. 

XXXXXXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX  Inquires XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX IN XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
In XX/XX/2022 I reached out to The Capitol One XXXX Department about a fraudulent credit card debt that is on my credit report. I asked that I be provided with any signed documents, verifications and and authorizations that would prove this debt to be mine. In XX/XX/2022 they sent a letter stating that their research proves no fraud, however Ive opted out of all secondary reporting agencies so why wasnt I sent the documents that I asked for to show that this is my debt. I have exhausted all of my remedies to get this account taken off of my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Good Afternoon, On XX/XX/XXXX at approximately XXXX, I tried to make a check deposit at Chase 's branch location on XXXX XXXX  XXXX, XXXX XXXX XXXX NJ XXXX The drive-thru ATM from this location had been removed recently with no ETA on when it will be back, leaving the only alternative to deposit inside the branch. So of course, I went in and the inside ATM had a notice that it wasn't currently accepting check deposits. The next closest branch was a few miles away on XXXX XXXX. I made it there XXXX minutes after XXXX and deposited my paycheck for {$200.00}. The ATM then showed a message that said my entire paycheck would be held until XX/XX/XXXX. The XXXX!!!! 

On XX/XX/XXXX, I woke up to the heartwarming notice that I was charged XXXX overdraft fees at {$34.00} each, backdated to the XXXX, and then received an additional {$12.00} fee for a returned item that Chase seemed so unwilling to process the previous night. 

I have spoken to customer service at this bank time and time again regarding holding my paychecks. I thought banks weren't allowed to do that in the first place, though would like some clarification. Furthermore, I am repeatedly subject to holds on every single deposit. When I speak to customer service, they tell me it's random. It's not random when this happens every single time I deposit a check. 

I find it very tacky that I was assessed these fees when the bank 's own ATM wouldn't let me make the deposit in time to bring the account current. I also find it tacky to charge me a returned item fee on a check they didn't even want to clear until XX/XX/XXXX. If Chase is that quick to process checks, and then wants to hold them for 14 days, then I should be the one charging fees since the bank 's getting an interest-free loan out of me. 

I'd also like to know when the drive-through ATM will be back at my branch on XXXX. XXXX in XXXX XXXX. 

Please abate all penalties and refund them to my account. Please make sure at least one ATM is working at all times. Please stop holding all of my checks for ridiculous timeframes. Chase is currently holding another one I deposited yesterday ( XXXX ) for {$200.00}. There is a pattern with these checks ; I regularly deposit from that account and it shouldn't keep holding them. The money was already taken out of the payor 's account. The check I deposited literally says " paycheck. '' This one 's being held until XX/XX/10. This is unacceptable at this point ; I can understand it for new accounts, or accounts with adverse history. My account is neither. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Started to get a series of emails at XXXX XXXX on Friday XX/XX/XXXX that a Bank of America account was being opened in my name. I did not verify my email address or anything, but it looks like the application is in process and the applicant is now updating the associate email address. 

Have tried to get in touch with Bank of America, but only placed on a series of holds and rerouting and now have to wait another hour for a call back.

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 2022-12-02 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:
This complaint is not a duplicate complaint. 
I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
Re : XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this account from my credit report immediately! 
Please send the following information used to verify the validity of : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
PLEASE NOTE, THAT I'M NOT USING ANY THIRD PARTY FOR THIS MATTER, I represent myself by myself.

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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a problem getting TransUnion to investigate inaccuracies on my credit report. I have sent them multiple letters to them and I have contacted the furnishers like they told me to and that did not work because they did not validate the information. I contacted Transunion again XX/XX/XXXX providing new information and they continue to violate the FCRA by reporting this inaccurate info and not conducting a proper investigation.

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 2022-12-02 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: ID Analytics, Inc.
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting, Everything has to be 100 % accurate on my credit report.

The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This ground for removal also violated my rights under. 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 an account without my written instructions.

Also, the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
Lakeview subserviced by XXXX  XXXX we received notification that our loan was sold to Lakeview. Changed our XXXX payment with the new information and electronically mailed a check on XX/XX/XXXX. On the XXXX it was cashed and on the XXXX Lakeview refunded it back into our account. Soon after got a feline notice with a {$60.00} late fee. After contacting them numerous times via phone and email we are getting no resolve to them dropping the late fee and accepting our payment. Now I can't get a real person on the phone before getting hung up on.

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 2022-12-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
On XX/XX/2022, I attempted to use a balance transfer ( i.e., used a XXXX XXXX XXXXXXXX Credit Card balance transfer offer ) to pay down {$11000.00} of my ~ {$30000.00} remaining balance on my Home Equity Loan being serviced Specialized Loan Servicing LLC. 

Two weeks later SLS sent the check to me with a letter that they will not accept " credit card checks ''. I contacted SLS and could obtain no more info other than that is their policy. 

I don't believe such a payment restriction exists in my mortgage document. 

The SLS refusal to accept the {$11000.00} payment ( and future similar checks ) prevents me from paying down my SLS loan which currently charges me a variable rate of 7 % ( and rising ) with a credit card check that will charge me 0 % for 18 months and has a 4 % fee. 

This this policy will result in me paying an extra {$750.00} in interest as opposed to if SLS had accepted the balance transfer for {$11000.00} and an extra {$2200.00} in interest had I been able to balance transfer the entire SLS loan.

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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX has failed to submit updates to all three credit bureaus since XX/XX/2022. I have made on-time monthly payments since XXXX, even with the system outage, and those payments are not being reported. My credit limit was increased and that has not been reported either. I brought this to the attention of the company 's customer service in XXXX, but not only did it go ignored, but they also directed me to reach out to the bureaus myself. It is not the responsibility of the consumer to report their own accounts to the credit bureaus so clearly there is a disconnect somewhere.

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 2022-12-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX there are inquires and or accounts listed NOT MINE I have tried to get help and they claim it is up XXXX me to call each creditor I filed ftc report and sent it in but those items are still on my report when i call XXXX they ask me to send the information again and the portal wont accept my information and my report is not updated when XXXX sent the first letter they would no accept it without a signature, i asked if they would call the creditor to verify the letter and they would not. 

I contacted the creditors and got updated letters with signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
On XXXX there are inquires and or accounts listed NOT MINE I have tried to get help and they claim it is up XXXX me to call each creditor I filed ftc report and sent it in but those items are still on my report when i call XXXX they ask me to send the information again and the portal wont accept my information and my report is not updated when XXXX sent the first letter they would no accept it without a signature, i asked if they would call the creditor to verify the letter and they would not. 

I contacted the creditors and got updated letters with signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. In 2018 A family member used my information to start a lease without my knowledge or authorization. Ive disputed the collection account before but lacked the police report to make it valid. I now have a police report to turn in.

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 2022-12-02 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: MO

Complaint narrative:
FCRA violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX  

FCRA Violation hard inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation collections not mine
XXXX XXXXY

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 2022-12-02 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: MO

Complaint narrative:
FCRA violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation credit cards not mine
XXXX XXXX XXXX XXXX 

FCRA Violation hard inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation collections not mine XXXX XXXX

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 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SD

Complaint narrative:
I first received a garnishment order from XXXX and XXXX for Midland credits for a XXXX XXXX credit card of {$780.00}, on XX/XX/XXXX. I was not notified of any such debt before the garnishment order was granted. I then check my credit report and it was not listed as a collection debt for any XXXX XXXX account. I then went through the court to reverse this and it was granted in my favor for them not notifying me. I then received another garnishment order from the same company and the same file number from the sheriff on XX/XX/XXXX. This time the amount is different {$1100.00} plus costs. Here again. There is prior notification to me to dispute this debt. I never received one piece of information for this account or a court date to appear to dispute this account. This time, it just shows it was eSigned from their company and no letter was attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: SC

Complaint narrative:
I have never paid this card late in fact I have always paid it early I had no issues with my other payments coming out of my account on this particular date but they tried to draft a twice and canceled my payment then said I owe Late fee I asked them to waive the late fee they sent me an email saying that they couldnt I do not owe them a late fee I see on the account where the payment tried to be processed twice I can show proof I have the funds readily available in my bank account

Company response to consumer: Closed with explanation