vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 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: FL

Complaint narrative:
Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

Account name and date are listed below! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

thank 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 explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERFIRST MORTGAGE COMPANY
State: IL

Complaint narrative:
On XX/XX/2023, I obtained a new homeowners policy with XXXX XXXX, for my XXXX property located in XXXX, IL. I notified my lender, InterFirstXXXX XXXX XXXX collectively " InterFirst '' ), that I had obtained a new policy and for payment to be made from my escrow account. During the course of 3 months, I made numerous calls to InterFirst to have them make payment. During these recorded calls, InterFirst agents made representations that payment would be made. However, I finally received final notice from XXXX XXXX that my insurance would lapse if payment was not made by XX/XX/2023. I sent an email to both my insurance company and InterFirst, given the urgency. Finally, InterFirst made payment on XX/XX/2023, three days after the deadline. As a result, my policy was cancelled and subsequent attempts to get a new policy through XXXX XXXX has failed, as my record now shows that I have a lapsed insurance policy due to nonpayment. 

This has affected me because I am either unable to get insurance or the quotes are higher than what I paid for XXXX XXXX. I finally found a new policy with XXXX, one of the few insurance companies that would give me a quote. I sent InterFirst a XXXX notice that they have failed to make timely payments, are required under 12 C.F.R 1024.34 ( a ). The bank has assigned a case worker but the matter remains unresolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I mailed tender of payment to American Express in the form of a {$1.00} United States Postal Service Money Order which is negotiable and backed by gold which is the only real money. It stated " I accept your offer in the amount of {$5900.00} for valuable consideration and tender this payment for the complete amount in Accord and Satisfaction upon accepting this instrument '' They cashed it and credited my account {$1.00} and claim that there is still a balance owed. This in incorrect. They received the payment. They cashed it. Account should show settled. See UCC 3-603 and 3-311 Per UCC this account is discharged for the full amount tendered. 

Prior to this, many negotiable instruments were sent. At 1st the account was credited and then they were all reversed and my accounts were closed without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
According to ARS, there is a medical debt associated with my name that I am completely unaware of. I want to clarify that I have health insurance, and on XX/XX/2019, I was not sick nor did I visit any doctors. Despite disputing this issue with the credit bureaus, I have not been successful in resolving it. The office mentioned in the report is unfamiliar to me, and there is no evidence such as signed contracts or hospital bills that link me to this debt. I want to emphasize that I was not ill at any point in 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I did not request a credit card from Bank of America. 
I called their XXXX XXXX XXXX  they referred me to you. 
Their number is XXXX. 

I never requested credit from 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 2023-06-27 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: NY

Complaint narrative:
On XX/XX/2023 I was alerted by my landlord that I hadn't paid my rent for the prior month ( {$2200.00} ). Knowing I had, I looked up the check on Chase 's website and sent the photos of the deposited check to the landlord. They pointed out that it was not their endorsement on the back.

I immediately called Chase Fraud Services and explained the situation. They gave me a " Declaration of Unauthorized Endorsement or Altered Item '' form to fill out and have signed by the landlord stating they hadn't endorsed the check. I completed the form, had it signed by the landlord, and returned it to a local branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for them to send to Chase Fraud Services on the same day ( XX/XX/2023 ). 

Having not heard from them since I brought them the form, I called today to check on the status. They informed me they were still waiting on the Declaration form ( the one I had dropped off at their branch months before ). I went in to try to figure out what happened. I spoke with the same woman who had helped me previously and she showed me that she had faxed the form on the same day and received a confirmation number. She called the claims department and they said they can't find it. I asked if they can look given the confirmation number the banker had. They said they couldn't and that I'd again have to go get the form signed by the landlord. 

This, to me, represents two institutional-level failures- cashing a check to the incorrect person, and the mismanagement and/or destruction of relevant materials for a fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I was under XXXX XXXX and my condo went into foreclosure in XXXX ( index XXXX ) I have made several attempts to modify my loan with XXXX XXXX XXXX In XXXX, I was approved for a modification ( HAMP ) federal government modification program. I qualified for this program and made all payments on time for a final mod. XXXX XXXX received over a year worth of payments for the HAMP modification and then denied it. All the payments made disappeared from my account and XXXX XXXX tells me that they cant find the payments or information regarding the HAMP Modification. I have copies of the acceptance letter, checks and statements that show my payments. XXXX XXXX continues to take all the equity my apartment may have by adding excessive fees and trying to still foreclose on my property. They have violated the law and are discriminating against me with their abusive practices. I made every attempt to keep my property from foreclosing but XXXX XXXX refuses to approve an affordable modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Paycheck Solutions llc
State: TX

Complaint narrative:
My employer received a call today and yesterday from this company wanting an email address or fax # to send a document to garnish my wages for payment of this debt. They called yesterday at XXXX central and again today at XXXX central. I know it is not lawful to threaten or even attempt to garnish wages in the state of Texas to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Public record information inaccurate
Company: Figure Technologies, Inc
State: LA

Complaint narrative:
You Figure are not supposed to report this item as negative I will report you to the IRS for tax fraud let me know if you want me to proceed you are in violation of FCRA 15 USC 1681 EB for reporting information that is not 100 %. I demand that you delete this charged off item from my credit report. The next step will be to contact the IRS and request a 1099c form and report your company for tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-06-27 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: OH

Complaint narrative:
I recently obtained a copy of my credit report and I see inquiries that I did not authorize. This has been extremely frustrating and scary considering someone has been applying for credit using my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting ActXXXX XXXX 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: IN

Complaint narrative:
So I was sitting down minding my business and my account has gotten charged twice. It charged me for a hotel stay. I was staying at this hotel for the night and the total for the stay was {$120.00} and it double charged me again and made my account go to {$250.00} which threw me to negative {$120.00}. So I need my now or I need to see a process where my is being processed to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account Number # XXXX ( XXXX XXXX XXXX ) Account Number # XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number # XXXX ( XXXX XXXX ) Account Number # XXXX XXXX XXXX XXXX  ) Account Number # XXXX ( XXXXXXXX XXXX XXXX Reference number # XXXX ( XXXX XXXX XXXX XXXX ) 15 U.S.C 1681 SECTION 602 A. States i have a right to privacy.

15 U.S.C 1681 SECTION 604 A. States a consumer reporting agency can not furnish a account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: MI

Complaint narrative:
XXXX has violated my consumer rights. 

Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. This company has discloused payment history to a third party which is Transunion and XXXX and I never gave consent to XXXX XXXX to disclose any of our transactions to a third party. They continue to violate my consumer rights and break the law according to the FCRA THIS IS ILLEGAL! This has caused XXXX and I have considered taking my life because XXXX has caused me great distress in disclosing my transactions illegally to these third parties! Please enforce them to abide by the law that protects my consumer rights. 

THE LAW -- -- -> UNDER 15 US CODE 1681 A ( 2 ) ( B ) Exclusions from a consumer Report this account is in violation any credit transaction supposed to be excluded from a consumer report, if a social security card was used in the transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-06-27 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
I have a collection account showing up with all 3 credit agencies for {$3800.00} from Credit Control Corp saying the original creditor was XXXX XXXX XXXX XXXX. I was not a patient of XXXX XXXX XXXX XXXX and have not been shown this bill from XXXX XXXX XXXX XXXX. Please remove this information from all three credit bureaus or please send me the bill with dates of service from XXXX XXXX XXXX XXXX. I do not know what this service was for. I have disputed this info twice with the credit bureau, yet both times it has just said the information has been verified by Credit Control. I have never been sent documentation of the original bill for services supposedly received from XXXX XXXX XXXX XXXX. Please remove this erroneous information from the XXXX credit bureaus. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bessine Walterbach, LLP
State: KS

Complaint narrative:
I am a victim of identity thief. 
My identity was used in XX/XX/XXXX for a XXXX  loan with XXXX XXXX, XXXX XXXX XXXX check cashing. 
I have submitted a claim through the federal trade commission at identitytheft.gov. 
I also contacted the attorney who I disputed the case with because I was improperly served court papers. I did not receive any documents about the court case or I would have shown up and plead my case because this is not my debt. 
Due to improper servicing I am now being garnished for a debt that I am a victim of identity theft on. 
The attorney Bessine Walterbach XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX ) Has been sent documents by me by certified mail on XX/XX/XXXX. 
As of now, Bessine Walterbach , LLP is in violation of consumer law codes that they were provided with the certified letter that was sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: PA

Complaint narrative:
Hello, Cashapp closed my account unexpectedly without explanation. I tried numerous times to find out why, but cashapp wont help. 


My cashapp username name is XXXX  XXXX, and my name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: FL

Complaint narrative:
NATIONAL RECOVERY AGENCY is illegally misrepresenting the date of the original debt so that it appears newer on my credit report, which creates a negative effect on my report. Due to the date of the original debt it should not have a negative effect but because NATIONAL RECOVERY AGENCY misrepresented the date it is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a credit card with Citibank for 6 years. My account is in good standing. The problem is with my online account. I have difficulty logging in, and then when I do login, my online information will not properly display - I can not see my transactions. This started on XX/XX/2023. I have discussed this with Customer Service and the Citi Technical Support ; their ticket number is XXXXXXXX XXXX XXXX. We have tried every suggestion they made, but the problem persists. I have sent almost daily reports to them about the problem, and provided screen shots showing the issue, but Tech Support has never responded. I never get any reports from Citi Tech Support on the status of the ticket. I was told that since very few people have reported a similar problem, they do not prioritize this problem for repair. I have no estime on timing for repair. I want my access fixed so that the online service performs as promised by Citi when I got the card. By not fixing the problem, they are withholding services that were promised to me and are associated with the credit card product.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation