vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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: NJ

Complaint narrative:
I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that DON'T belong to me. I DO NOT have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-02-23 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: FL

Complaint narrative:
Account # XXXX is showing a delinquent balance although I paid the card of XX/XX/2023. I sent XXXX XXXX a billing error dispute pursuant to 15 USC 1666 ( b ), ( c ), ( d ), and ( e ) on XX/XX/2023 but received no response to the error. This account should have been updated to PIF status already and XXXX will not respond to my dispute to fix the error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account # XXXX is showing a delinquent balance although I paid the card of XX/XX/2023. I sent XXXX XXXX a billing error dispute pursuant to 15 USC 1666 ( b ), ( c ), ( d ), and ( e ) on XX/XX/2023 but received no response to the error. This account should have been updated to PIF status already and XXXX will not respond to my dispute to fix the error

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 2023-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023 I was the victim of a new Online Scam that resulted in a loss of {$25000.00}. I reported this to Chase but did not specifically ask them to reimburse me as I was not aware that was an option until I spoke with the Detective managing my case today. I did have a long conversation about it with the XXXX XXXX of my Chase branch the next day - who also told me that she had talked to 3 people the week before who had the same thing happen to them. 

The scam began when I got a popup on my computer and my computer was completely frozen. The popup had a XXXX banner that looked completely legit and stated that XXXX XXXX had detected malware on my computer and to call XXXX for assistance in getting the malware removed and my computer unlocked. After trying unsuccessfully to get around the popup on my computer I finally called the number. The phone was answered as XXXX does answer their calls and I was transferred to a XXXX XXXX '. He indicated that my phone might be hacked so he was going to call me back on a secure line. He called back from XXXX. He had me download XXXX software to allow him to see my screen. He then had me execute a couple of command window programs which ultimately indicated that my IP address had been used to download XXXX XXXX. He asked my to look at my Chase account and see if I saw any unauthorized transactions. I did not. He then said he was going to have Chase call me to try and see if there were unauthorized transactions and asked for the number from the back of my Debit Card. I received a call from that number and was told that he could see 3 transactions of {$6000.00} from my Checking Account and {$10000.00} and {$9000.00} from my Savings account from the website for the XXXX. He said he could not block the funds from being withdrawn from my accounts so what he wanted me to do is withdraw the cash from the accounts and buy XXXX. I personally withdrew {$6000.00} from my Checking Account and {$19000.00} from my XXXX account. I created a Bitcoin Account at a local kiosk, uploaded the cash and when that was completed I sent a picture of the Paper Wallet to the guy who represented himself as Chase XXXX. While I was doing this he was monitoring things on my phone using the XXXX app. He said that when everything had been repaired he would then restore the funds to my accounts. Of course that never happened as this was a scam. I am not easily duped in most cases, this was very professionally done all throughout the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
So I spoke to some one they told me 30 days to hear back from merchant ok on one of my dispute it has been past 30 days the other one is almost close to 30 days. I told them that the merchant would not contact them cause I have tried multiple times. Well I asked the supervisor a question and she rudely hung up on me. I normally do not have this problem. I was also told they were suppose to give me a refund after 10 days until settled and they didnt even do that. I just want the money back cause I didnt receive the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCES XXXX This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and y are required to remove any information that is not true, accurate, and verifiable.

Please remove this inaccurate accounts and late payments that are inaccurately being reported & information IMMEDIATELY from my credit report and send me the updated report showing your compliance with all FCRA laws and XXXX XXXX Reporting Standard. well as this account removed.

15 USC Section 602 States I have the right to privacy. 15 USC Section 604 A section 2 : it also states a consumer reporting agency can not furnish and account without my written permission. 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: VA

Complaint narrative:
I have multiple holds on my card that have been pending almost a month. I reached out to the merchant ( XXXX ) and they claim they finalized/released said transaction holds and that the bank ( cash app/XXXX ) is holding my funds. The merchant ( XXXX ) even provided confirmation numbers. The bank ( cash app ) refuses to look into the issue and just sends me premade templates about pending transactions even after providing them with the direct communication from the merchant ( XXXX ) that they released the funds and even the confirmation numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NH

Complaint narrative:
Hello, My name is XXXX XXXX and I am issuing a formal complaint around deceptive sales practices by Rocket Mortgage involving mortgage contract XXXX, a refinance to mortgage contract XXXX previously held by Rocket Mortgage. 

On XX/XX/XXXX, XXXX XXXX with Rocket Mortgage reached out to me unsolicited, to propose a refinance on my existing mortgage held by said company, part of their promise to their customers initiative. Over the next month, XXXX would sell me on a refinance that would save me an estimated {$35000.00} in interest while simultaneously lowing my monthly payment by {$260.00}. 

On XX/XX/XXXX, I refinanced loan XXXX which had included, as per my HOAs terms and conditions, homeowners insurance with XXXX XXXX XXXX : Police number XXXX. This insurance policy was previously maintained by Rocket Mortgage via an Escrow withholding. However, with the refinance, the Rocket Mortgage officer, to inflate attractiveness of the proposed refinance, never disclosed that the price I was being quoted and pressured to sign, now excluded a withholding for Homeowners insurance in the escrow. At no point during our phone conversations, nor email exchange, was the topic of homeowners insurance being excluded addressed. A verbal conversation around Escrow savings was had, addressing a tax reevaluation windfall. The material change in the relationship between myself and Rocket Mortgage went undisclosed, misleading the true savings tied to the refinance offer. 

On XX/XX/XXXX, the homeowners insurance policy ( XXXX ) previously maintained by Rocket Mortgage lapsed due to non-payment. A letter, dated XX/XX/XXXX, was dispatched to Rocket Mortgage ( attached ) informing them that the policy had lapsed. No effort of communication to inform me of the development was made by Rocket Mortgage. At this time, I was now in breach of the terms and conditions as set forth by my HOA, while simultaneously exposed to financial liability. The lapse in coverage, went unnoticed until XX/XX/XXXX, when an attempted claim was made, only to discover no insurance was available. I must now burden tens of thousands of dollars of liability, additionally having to report to a hearing regarding my breach of Terms and Conditions set by the HOA, potential liability unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Block, Inc.
State: AZ

Complaint narrative:
when i filed my taxes last year i had a letter stating that i qualified for the {$1400.00} EFTIC Credit  and when i filed my taxes through Cash App i never received the tax credit they only gave me the {$630.00} state and federal taxes i was eligible for and i was wanting to know the best way to go about handling this for this years taxes?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-02-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: NJ

Complaint narrative:
I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that DON'T belong to me. I DO NOT have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-02-23 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: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
On XX/XX/23 I was contacted by RMP LLC in regards to a debt that they are saying I owe with them. I was informed that this account was in litigation and that I needed to start making payments ASAP. On XX/XX/23, I realized that the accounts that they were saying were in litigation were no longer listed on my main account. I proceeded to call on XX/XX/23, where a representative told me that they were moved into a new account, and they were not responsible for telling me that - that it was my responsibility to find that out myself. How, in the world, am I supposed to just GUESS that my accounts were split in 2?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I have been in contact with my loan servicer almost weekly since XX/XX/XXXX till now to try to get them to respond to a request for information on my account from the state homeowners assistance program ( TX HAF ). I applied for homeowners assistance on XX/XX/XXXX and since then the program administrator has made multiple attempts to get the requested data from Amerihome mortgage in order to complete processing my request for assistance. Texas homeowners assistance program has stated on multiple occassions when I have called them to get an update on my case that Amerihome has been unreponsive and has failed to provide the V-lookup record as requested. I have called Amerihome mortgage on multiple occassions and the customer service agents always give the response that Amerihome mortgage has sent the requested data, but the state HAF program does not show that any such action has been taken. The HAF program has gone to the extent of escalating the case to managers on their side to try to get a resolution, but the loan servicer has continued to withhold the requested information. Consequently, my case with Texas Homeowner Assistance was denied on was denied on XX/XX/XXXX due to " Loan Servicer Not Responding ''. 

After the denial of my case I sent a written request to Amerihome mortgage on XX/XX/XXXX asking for documentation and proof that they had provided the requested information to the state homeowners assistance program. As per their agents and website, Amerihome would provide a response to my request for this documentation within 10 days, but to date I am yet to receive a response. When I call their customer service department I am simply told that they will document my account, but they can not provide information on when I should expect a response to my request. Amerihome mortgage seems to be knowingly and willfully withholding the information requested from the state homeowners assistance program even though they claim to work with HAF. I have not received any response for a phone call or email from the HAF department at Amerihome mortgage and am at risk of having my appeal denied again due to the non-response from Amerihome mortgage. 

This situation is causing immense stress and financial hardship to me and I am at risk of losing my home due to the loan servicer 's negligence. Despite multiple attempts to contact the loan servicer, they have not responded to the TX HAF 's inquiries.

I urge the Consumer Protection Financial Services Bureau to investigate this matter and hold the loan servicer accountable for their actions. My home and financial stability are at stake, and it is unacceptable for the loan servicer to ignore the TX HAF 's inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: MN

Complaint narrative:
I am trying to get a business loan & in doing so noticed fraudulent reports on my account In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights under 15 usc 1681 sec 602 states I have the right to privacy. 15 usc section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 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 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Kia Finance America is reporting a charged-off lease account on my credit reports that I have been disputing for a while now. I have disputed this account directly with each credit bureau and Kia directly and have not reached a resolution. I sent a letter to Kia Finance requesting all documents and validation of this debt and have not heard back or received any type of communication back. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. How is it that they are able to validate this inaccurate account on my reports but ignore my dispute request? It is illegal to ignore a dispute request as well as to verify inaccurate information on a consumers report. This account is in clear violation of my rights as a consumer and I am requesting that it be deleted from my credit reports now!

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 2023-02-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting a charged-off lease account on my credit reports that I have been disputing for a while now. I have disputed this account directly with each credit bureau and XXXX directly and have not reached a resolution. I sent a letter to XXXX XXXX requesting all documents and validation of this debt and have not heard back or received any type of communication back. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. How are the credit bureaus able to verify this account as accurate when XXXX hasn't verified this account with me? I am sure if I haven't received a response surely the credit bureaus have not heard anything back. This account was also deleted from my credit reports with XXXX but the other XXXX bureaus are reporting this account. If all bureaus receive their information from the same place how can they verify this account? It is illegal to verify inaccurate information on a consumers report. This account is in clear violation of my rights as a consumer and I am requesting that it be deleted from my credit reports now!

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