vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
XX/XX/XXXX : Initiated the application process for payment solutions and established contact with a representative from XXXX to strategize the optimal approach for payment processing, with a particular emphasis on getting the {$1000.00} merchant services bonus. 

XX/XX/XXXX : Received confirmation of application approval and subsequently placed an order for a mobile card reader in order to commence the acceptance of payments. 

XX/XX/XXXX : Successfully fulfilled the stipulated bonus requirements, which entailed processing a total of {$2000.00} across a minimum of five transactions. 

XX/XX/XXXX : Initiated contact via phone to inquire about the status of the bonus. During this interaction, the customer service representative suggested reaching out to the designated XXXX representative for further details regarding the bonus. Subsequently, an email was sent to the XXXX representative to seek clarification on inquiries related to the bonus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act " XXXX XXXX XXXX - Acct Number ( 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 a 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 2023-09-11 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: Grow Credit Inc
State: CT

Complaint narrative:
My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a Grow Credit account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within XXXX XXXX XXXX XXXX days of the completion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: EQUIFAX, INC.
State: CT

Complaint narrative:
My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a XXXX XXXX account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( XXXX ) days of the completion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: MI

Complaint narrative:
I paid off XXXX XXXX  bank it still on my credit report also its address on their I never lived their

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 2023-09-11 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: MI

Complaint narrative:
I paid off XXXX XXXX  bank it still on my credit report also its address on their I never lived their

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I paid off XXXX XXXX  bank it still on my credit report also its address on their I never lived their

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 2023-09-11 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: Braviant Holdings, LLC
State: MS

Complaint narrative:
Balance credit is harassing my family, and people Im unrelated to via phone calls and text messages stating they are attempting to collect a debt from me, with balance disclosures. They claim to be able to call these people because they claim they were put down as references which is a LIE. I have text message screenshots of the voicemails and text messages they are sending people who are not me. I do not have a balance credit loan. I have personally not been contacted by balance credit either. I have requested a cease and desist of all phone calls and text messages and require only written mailed correspondence. I have also requested validation of the alleged debt with my hand written signed signature. Electronic signings can be done by anyone. I want proof I signed up for an alleged loan because I didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SERVICEMAC, LLC
State: NH

Complaint narrative:
I recently submitted a complaint about ServiceMac LLC to the CFPB. They reported to the CFPB that they have responded to the complaint, but they lied to you. I have received zero correspondence from ServiceMac , LLC since submitting the complaint. 

The original complaint is XXXX. Again, I have received no correspondence from ServiceMac , LLC yet they have reported to you that it has been resolved.

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 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: AR

Complaint narrative:
I mailed 2 letters to Ability Recovery Services , LLC requesting that either they provide me with proof of this collection account on my XXXX credit report or remove it immediately and stop all collection practices. I gave them 30 days from XX/XX/2023 and 30 days from XX/XX/2023 to send me full details of this debt including my signature on their application or contract agreeing to do business with Ability Recovery Services LLC or any of its affiliates. They did provide me with a responses from either letter nor did they cesse collection practices. They continue to report inaccurate information to the credit bureau XXXX every month as if I have an agreement to do business with them when in fact that I do not. Attached is a proof of receipt of my letter from the USPS.

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 2023-09-11 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: TX

Complaint narrative:
I am a victim of identity thief and these account don't belong to me. i have never had any agreements or contracts with these companies. 

15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am a victim of Identity theft! Please delete these items IMMEDIATELY! 

XXXX XXXX  Account Number - XXXX XXXX XXXX  Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
Last XXXX my mortgage company increased my escrow payment to {$410.00} per month. They stated my taxes and insurance went up. I contacted my insurance and yes it did go up, {$60.00} per year. But my taxes went down {$200.00} per year. I contacted my county tax assessor and got legal copies of the taxes assessed. I contacted my insurance and they told me I pay {$1300.00} per year insurance and taxes are {$1300.00} per year. Roughly {$2700.00} per year. But {$410.00} times 12 months is {$5000.00}. There is no way to justify the increase or even the previous charge which was {$300.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
My Student original loan amount without interest was less than {$46000.00} at the end of XXXX. Mohela in taking over as the servicer of the loan is now using the principal loan and the interest added to the principal prior to COVID and now is adding additional interest to their new principal amounts which include the principal amount is {$46000.00}, interest payments, does not include any payments made to XXXX or to XXXX XXXX. This letter received by your agency has not been received by me. Its interesting that Mohela only states what is correct. The totals for original loan amounts is not correct and my knowledge of loans is that principal amounts of a loan can not be changed once signatures are made unless both parties agreed to it. Mohela has taken that right from me and is being allowed to charge whatever and how much they want to. Right now it is my perception that the dispute with Mohela is not being taken seriously and that because my race is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and can not afford to challenge Mohela in a court of law, that I need to accept this erroneous information and get over it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
, there is information that is on my consumer report that is a result of IDENTITY THEFT. I did not provide written permission or instructions for the identified transactions 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 is 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. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately.

PLEASE AND 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 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
To FTC Customer support, McCarthy, Burgess & Wolff is collecting debt from XXXX XXXX  which I never owed. 

I do have an XXXX account for my XXXX XXXX XXXX XXXXXXXX XXXX But It is enrolled on Autopay with My Credit card. I contacted XXXX books and they have no records of unpaid invoices or any other debts. 

I contacted McCarthy, Burgess & Wolff last year and explained to them to send me an explanation where, when and to whom do I owe any money but they could not give me any explanation. 

Attached are the following : 1 - copy of the debt collection letter 2. copy of all my receipts of payment for XXXX since I started the company back on XX/XX/2022 to present. 

Please advise regarding this matter and close my case without affecting my credibility. 
Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALCHRO INC.
State: MD

Complaint narrative:
In May a debt I had for a medical service I received last year was sent to collections. 
I began making payment relatively soon thereafter, eventually landing on $ XXXX towards the {$1300.00} debt. 

As I was making payments, right after a month where I had actually made two payments, they added the report to collections on my credit. I was under the impression that the debt was being paid so it would not go to collections. 

I believe that paying off the debt on the payment plan should have prevented me it from going on my credit report. Moreover, I should have received notice before it went on my credit report. I received nothing. 

During the whole process, I received limited communication from this business and it was not made clear to me that I was imminently going to have this reported to my credit.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credit Resource Management is illegally reporting an alleged debt to XXXX credit bureau. I have never had any affiliation with this company and I was not notified prior to the account showing up on my credit report. I called the company to request contracts or documents showing I am responsible or affiliated with this alleged account. I have requested the account be removed from my XXXX report and XXXX responded verified by allowing the account to be reported. Also, this negliance is a direct violation of the following laws under the Fair Debt Credit Act : 15 USC 1681 ( c ) ( a ) ( 4 ), 15 USC 1681 ( c ) ( a ) ( 5 ), 15 USC 1681 ( b ) ( c ) ( 2 ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), 15 USC 1681n ( a ) ( B ), 15 USC 1681o ( 1 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: TX

Complaint narrative:
There is a fraud account reporting from XXXX XXXX XXXX XXXX Acct no. ( XXXX ). This not my account. This is identity theft.

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 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
fees and interest was applied to credity card even though I paid the full account on the day it was due through phone and bank checking account .Some how, American Express XXXX not process the payment for 2 days. The account was paid in full, and there was plenty of money in the account to pay all. 
American Express refused to reduce or elimate the charges, even after speaking with the representative on 2 separate occasions. I was a card holder for well over 10 years with no issues.I closed the card and refused to pay any penalties.

Company response to consumer: Closed with explanation