vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-16 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I received a notification about a collections account that has appeared on my credit report. I have not given you permission to place anything on my credit report, I have never entered into any contract with you, nor have I given you permission to communicate with me. All these things are a violation under the FCRA and FDCPA, and considered fraud. 
I am formally requesting that you cease communication with me on all mediums, including but not limited to all credit reporting agencies, telephone, mail, social media etc. This notice is also letting you know that you will need to inform all credit reporting agencies to remove this inaccurate, false and misleading tradeline from my consumer report immediately. 


Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Capital, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I was transported to the hospital via ambulance by XXXX XXXX XXXX XXXX, XXXX ( original creditor ). At that time, my medical insurance provider was XXXX. The amount initially billed by XXXX XXXX XXXX XXXX, XXXX was {$4800.00}, but XXXX negotiated a discount of {$2200.00} leaving a balance of {$2500.00}. XXXX then paid {$2000.00} of this amount leaving a balance due of {$510.00}. At some point thereafter, this debt to XXXX XXXX XXXX XXXX, XXXX was evidently purchased by Cascade Capital Funding , LLC located in XXXX, XXXX ( current creditor ). 

On XX/XX/XXXX, I received an email alert from XXXX that my previously exceptional XXXX score had fallen by XXXX points. I immediately logged into my Experian account and discovered that the culprit was XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX  ( collection agency ) falsely reporting on behalf of their client Cascade Capital Funding , LLC that the balance due is {$2700.00}. 

On XX/XX/XXXX, I disputed the validity of the alleged balance due with XXXX XXXX XXXX XXXX XXXX along with XXXX, XXXX, and XXXX and provided proof in the form of my explanation of benefits from XXXX that the balance due is only {$510.00} NOT {$2700.00}. 

As of this writing, both XXXX and XXXX have removed the XXXX XXXX XXXX XXXX XXXX collections account from their respective credit reports on me entirely. XXXX, however, has refused to do so or to even correct the balance due from {$2700.00} to {$510.00} because the creditor has verified to our company that the balance is being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I place a dispute of the balance stated on a mortgage account. I received an email at XXXXXXXX XXXX stating that my dispute was open and a second email at XXXXXXXX XXXX stating that the dispute was completed. The website stated that the information was updated, however, the before and after information were exactly the same, with both data last updated on XX/XX/year>. Today is XX/XX/year>. Therefore, no investigation took place. Experian pretends to investigate issues with information contained on credit reports, but does not actually do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Hi there, I am a XXXX XXXX XXXX XXXX XXXX  and I opened a new Chase Checking account in-person at a branch in XXXX, Arkansas in an attempt to open my first bank account that was separate from a joint account I share with my parents. 

I made my initial deposit on XX/XX/2024, by way of a personal check in the amount of {$4600.00} that was comprised of my student-loan funds that were dispersed to a separate account. 

Presumably because the initial deposit was a personal check in a large amount ( {$4600.00} ) to a new account, the funds from the check were held, and by the time I was notified via mail that the funds needed to be verified, my account was closed. The check was written by my significant-other, who is a long-time Chase customer and verified the personal check he wrote by way of a phone-call from a Chase representative. When I went back to the bank branch on XX/XX/2024, I opened a new account with {$100.00} cash, and that account was also subsequently closed. Both funds have been returned to me by way of a mailed check. However, I have been informed over the phone that Chase bank has chosen not to do business with me and will not allow me to open a new checking account or credit card. The bank representative informed me that this " ban '' would last at least five years, but would likely last forever. 

I am reaching out because, especially at the inception of my career ( I XXXX XXXX XXXX XXXX last month and will be practicing law in XXXX XXXXXXXX as of this fall ), I really hoped to do business with Chase bank as my bank of choice. However, through no fault of my own, I am somehow barred from doing business with Chase. After countless phone calls with customer service representatives, I have not gotten an answer as to why I can not open an account. Not only am I interested in banking with Chase, but I am interested in several of Chases credit card offerings and other financing opportunities. It is my understanding that I am barred from these products and services as well. 

It is my hope that as a result of this communication I will be able to remedy this situation. I hope to bank with Chase and utilize Chase Credit Cards and Financing opportunities, and at this time, I am unable to do either of those things. 

I thank you in advance for your help, and I appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: NY

Complaint narrative:
I paid for a copy of my consumer report and found that unfortunately there are fraudulent accounts and incorrect addresses and improper use of my consumer report by the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Pursuant to a XXXX XXXX XXXX visit to XXXX XXXX, an auto sealership, seeking financing for a vehicle. I completed an application for the vehicle with the understanding my credit file was to be pulled 1 time for review, only to find out my personal information was shared with 7 other financial institutions without my permissible authorization, that has equated to 7 different inquiries reflected on my credit. My personal information was forwarded to the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Unauthorized inquiries on my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Unauthorized inquiries on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I am an XXXX XXXXXXXX XXXX XXXX and XXXX XXXX  that has been having problems with Mohela. Ever since my student debt has transferred to them when I submitted my PSLF form back in XX/XX/2024. My prior servicer had approved a {$0.00} payment for the year, but when I was transferred to Mohela, they have refused to honor that previously approved payment plan. I have called them multiple times, sometimes being on hold for over six hours, and tried to fix this issue. Each time they have said they will work on the problem to get my previously approved payment plan back, but they have sent me repayment schedules that show I will owe a payment of {$230.00}. I have tried to request written confirmation that they will fix this issue but was left on hold and eventually hung up on. I am tired of them not honoring a previously approved payment plan, having to call them multiple times only to be lied to, and for not being able to get anywhere on fixing this issue. I am at a loss at what to do at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Our loan was transferred to Freedom with our escrow acct messed up it took us over a yr and XXXX mo to get this corrected freedom was of very little help then we became XXXX XXXX XXXX XXXX XXXX XXXX XXXX  asked for covid XXXX program we were told approx. 12 times from XXXX XXXX that it was not available VA verified this was incorrect, Then freedom issued a pre foreclosure noticed posted on home in XX/XX/XXXX we contacted county & were told that we are scheduled for a sheriff sale prematurely as there were XXXX of thousands of home that were in def prior to us with the amount of equity we have we felt they were trying to steal our home THEN THEY CONTACTED OUR HOMEOWNERS IN XX/XX/XXXX AND THE LETTER WAS STATING WE NO LONGER HAD ANY INTEREST NOR OWNERSHIP OF OUR HOME THIS CAUSED ANOTHER PROBLEM OUR HOME OWNERS WAS CANCELLED LEAVING US WITHOUT XXXX MONTHS AS A RESULT OF FREEDOM MORTGAGES NEGLEGENCE ALSO THEY FLOODED OUR HOME ON THE MARKET AS A REPO HOME AND IT STAYED ON INTERNET NATION WIDE FOR THE NEXT 9 MONTHS FREEDON REFUSED TO TAKE IT OFF AS WE WERE TRULY XXXX XXXX XXXX XXXX HAD TRESSPASSERS DAILY ON OUR PROPERTY TELLING US THEY BOUGT OUR HOME WHICH IN NO WAY WAS AT THESE TIME A REPOSSESSED HOME THEN TO ADD INSULT TO INJURY FREEDOM TOOK NO RESPONSIBILTY FOR THEIR NEGLEGENT ACTIONS CAUSING US TREMENDOUS STRESS & harm to the point it kept us very sick as well freedom did nothing to help or correct by doing this freedom who created the situation then put bank forced ins on our home are you serious this was their fault & they refused to contact XXXX XXXX to tell them that it was an error after XXXX more months of being very sick & trying to fix their XXXX now they have redone our escrow to show a huge shortage as a result of their mistake which has resulted in our payments going up significantly XXXX XXXX they then sent another ins pay back to our reinstated ins that we had to fix & worked 5 months to do so we want action & accountability on top of all this they destroyed my credit marking me last XXXX XXXX XXXX which we paid in XXXX total owing and were told we would not be marked late for 1 year which is a law since our servicer transferred our mortgage on XX/XX/XXXX so this needs to be corrected immediately as they have destroyed my credit caused immense stress trauma & work 100s of hours for us to fix their mistake as they did refuse to do so nor to correct anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TN

Complaint narrative:
Did not receive enough information regarding alleged debt. Was not given opportunity to accurately dispute debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: GA

Complaint narrative:
XXXX XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with 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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Incorrect / non-compliant reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bout a visa Vanilla Gift card and it has {$200.00} on it, despite being activated I can not make any purchases. When ever I call customer service they say they have activated it. When I look on the website it says all the money is there and that its activated. I just want my {$200.00} back in a check I do not want a card replacement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian keeps showing XXXX and XXXX as delinquent payment history as well as not properly investigating my dispute. 

XXXX XXXX has finally updated their information to show a positive payment history as being paid as agreed and closed. Yet, Experian displays information from XXXX and XXXX as still delinquent payment history. 

Where are they getting this information? I have checked XXXX and XXXX and see nothing out of place or no longer delinquent. Other than XXXX hasn't updated their website yet. Experian also keeps showing my Fico scores keep dropping drastically but can't explain why. There is nothing negative with my credit history or current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Incorrect / non-compliant reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Incorrect / non-compliant reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Since XX/XX/XXXX, my account has been restricted on Robinhood. I do not know why, I've tried providing everything I can to Robinhood, but they make excuses and keep pushing my review date back. I have taken pictures of my drivers license, live video recording of my face, bank statements, etc. to verify it's me and they still have not released my funds to withdraw. 
I do not know why this is happening, but it seems illegal to not allow me to withdraw my own funds when I have done nothing wrong! I keep calling, emailing, etc. and they respond with generic replies over and over and I just want to withdraw my money and never use them again!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX Account XXXX - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
This company is divulging my personal information on my alleged credit reports to the public, unwarranted without producing a valid contract to do so. This derogatory information has caused me pain, suffering and hardships. They refuse to investigate into the matter. Ive already sent this company a notice, opportunity to cure, and notice of default. By law, the FCRA 15 USC when the process of dispute has begun, companies can no longer continue with collection attempts. This company is required to verify. They have no forensic audit of all the accounting. The public accounting doesnt match with the private accounting. They have illegally acquired my information using identity theft. Theyve claimed an exemption for tax purposes, so theyre engaged in tax fraud. We have no contract. They have engaged in mail fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, I sent certified mail a Debt validation letter requesting the following, which under Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled too : I dispute the validity of this debt and request that you provide me with the following information to validate it : 1. The original creditor 's name and address.

2. The amount of the debt.

3. Proof of the agreement or contract between the original creditor and myself.

4. Proof that you are licensed to collect debts in my state.

5. A complete payment history, including the dates and amounts of all alleged transactions. 

I've also sent another Validation Letter on XX/XX/XXXX, and to date have not received any information. The company has also been instructed to cease and desist any communication until such time as the debt been validated. From XXXX XXXX XXXX, I have received 14 calls from the company and multiple times a day. I even answered and explained there is a cease-and-desist letter, which they're in violation of. 

There are numerous violations and lack of cooperation on behalf of 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