vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX  has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX had violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXXXXXX XXXX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/22 a Bank XXXX XXXX was reported as an inquiry to my credit report. So, I filed a police report to report this inquiry to Transunion and XXXX. XXXX removed this inquiry but Transunion refuse to remove it. I contacted Transunion around XXXX to see why they are not removing the inquiry. They said in order to remove the inquiry XXXX must filed an FTC report in order to remove the inquiry. My FTC number is XXXX. As XXXX went by, I contact a Customer Service on XX/XX/22 about the Bank XXXX XXXX inquiry. They told me they haven't received it even though which was confusing but the ladie will filed a investigation on what happen to the letter, so they are telling me they are waiting on my FTC report. So, I sent another FTC form that same day and I have a receipt to prove that I sent it and the XXXX XXXX say they should receive it on XXXX/XXXX/22. I contacted Transunion today XX/XX/22 about any updates and they told me they received the FTC form on XXXX/XXXX/22 and they say it was declined because it didn't have a date on it. Now the last time I call the rep say they didn't have it and now they had it since XX/XX/XXXX and was declined because of no date which is false because it is a date on the form. So, I'm becoming impatience and ask to speak to the supervisor and she is saying now I need to get a letter or Form from Bank XXXX XXXX that I have to send to Transunion now to move forward. I knew something was up and the XXXX will not remove my inquiry. I contact them again and I told the rep you are telling me you can not removes this inquiry but according to Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. The Customer Service do not want to answer and kept saying the supervisor said we can't remove this inquiry. So when I told him can you please answer my question yes or no, he hangs up the phone. The Transunion customer service reps did not want to help solve my issue just to only give me the run around by adding more things in order to remove my inquiry. I want to file a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 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 2022-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unable to be reviewed for loss mitigation because the investor refuses to let the main borrower fill out the loss mitigation packet by herself and they require the son who is the co-borrower to fill out paperwork. The problem is that the son does not live in the home anymore and ran off leaving the main borrower unable to get ahold of him. Before dissapearing the son filed bankruptcy, went through with it, and filed a quit claim deed to remove himself from responsibility of the house payments. On XX/XX/22 we faxed a letter of explanation for the situation and the quitclaim deed that the son filed to be put on review. The lender still refuses to allow the main borrower to be put into review even though she has filled out the loss mitigation packet minus the documents that are asked by the son because the son is nowhere to be found. We asked to escalate the case but the lender refuses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Accounts/ inaccurate information reflecting on my credit file. These accounts do not belong to me and was not authorized neither do I have any knowledge of. I am a victom of identity theft and am requesting that these accounts be removed immediately. CCS COLLECTIONS, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX. Thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 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 2022-09-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had booked XXXX flights for myself and my partner through the Chase Ultimate XXXX XXXX on XXXX XXXX, 2022. The airline, XXXX, changed our route without my approval/consent and so I had reached out to XXXX to cancel my flight. I was told that since it was booked through Chase, I would need to contact Chase to cancel and receive my refund. I have called Chase multiple times, have been on hold for hours, talked to multiple different agents and managers who have not been able to provide a resolution or provided me with the refund of XXXX points and {$460.00} with the total value of {$2400.00}. I had to open a new credit card to be able to rebook this flight because Chase is unable to provide me with the refund. It has been at least 2.5 months of trying to resolve this with Chase who still insists that they are unable to provide me with a resolution. Today, XX/XX/2022 I am being told again, that this will take another 1-2 billing cycles. No one seems to be able to help me get my points and funds back and we are approaching the 3 month mark. Please resolve this issue and relieve me of this extremely stressful and frustrating situation. I don't understand why Chase can't refund me back the points and the funds, which I have already paid for by the way - since I pay my balance in full every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I went to my bank us bank XX/XX/22 asked for cashier 's check told them to whom I needed it for they denied me and said they don't write checks for that business.like it's any of their business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 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 2022-09-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I need these people to reverse these charges. I called and explained and they did nothing but a letter saying talk to the merchant as if I made the charges. I can't talk to the merchant I have no idea who they are. I'm sure they are flippently breaking the law so can you force them? My id was used to but probably it was the airbnb who made this happen. 

XX/XX/XXXX - {$1000.00} XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1000.00} XX/XX/XXXX- {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rodenburg LLP
State: SD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is sending accounts there were included in bankruptcy to collection agencies to try to collect the debt that was discharged in bankruptcy. Rodenburg Law Firm is trying to collect on their behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Paid off auto loan in full on XX/XX/2022. Have not received clear title or notice of date expected to receive title. My payoff check had cleared my bank immediately. Calling Hyundai Motor Finance gets me NOWHERE!!!!! No option for speaking to a real live person who can tell me what's going on. No address for contacting via email. Who is monitoring payoffs and clear title requests?????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grain Technology, Inc.
State: MD

Complaint narrative:
I have been trying to contact Grain Technology Inc about a debt owed to them since XX/XX/2022. I have attempted to call them, can not get through to a live person. I have filled out their contact information form 4 several times over the past few months. I want to settle this account out and if they are not willing to work with me in clearing this debt, I want the credit bureaus to remove the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
I have disputed the same collection account with all 3 bureaus several times, I've contacted Source Receivables regarding the debt, and I even filed a complaint with CFPB about the credit bureaus. I have provided evidence that the information is incorrect and still nothing has been corrected. They continue to report a debt that is XXXX years old as XXXX years old. The debt has been sold several times from XX/XX/XXXX until XX/XX/XXXX. The amount of te debt haas changed 3 times it was {$580.00}, XXXX, and XXXX. The debt is not from a credit card company it is from XXXX. Therefore the amount should have remained the same being there is not any interest being charged. I have explained this to them and they continue to illegally report incorrect information. It seems no matter what debt collection agencies does the credit bureaus take their side right or wrong. They never take the side of the consumer actually no one helps the consumer. I refuse to allow them to report the same old debt for another 5 years. I have copies of my credit reports to verify that I am telling the truth. I also have a letter from the very first collection agency showing the original date of collection and collection amount. I submitted it to all of the credit bureaus and they totally ignored it when I disputed the debt XX/XX/XXXX and XX/XX/XXXX. I have contacted the debt collector Source Receivables Management asking for the validity of the debt from the original creditor XXXX on XX/XX/XXXX and I have yet to hear or receive anything from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recoveries listed XXXX collection accounts on my credit report. I contacted them and we settled the accounts and I was told in writing as well as from their website directly that once the account was paid in full it would be deleted within 30 days. The accounts are paid in full, but 2 days after it was paid the account updated with a balance. They were not deleted, and the balances due was updated to {$240.00} & {$96.00}. Then on XXXX, the balance has been updated to {$0.00} settled for less. This is NOT what was discussed or promised when paying the accounts. They need to stand by their word and delete the accounts not update the account/ balance. I am submitting proof directly from their website showing their policy about deleting it, not updating it. Also showing proof its been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX2022-I called the company and they just transferred me to another company that was a credit counselor who couldn't help they just told me to call XXXX XXXX and they just forwarded me to XXXX XXXX XXXX that the robot just hangs up on me. Plus I don't want to go this route. I want to negotiate with the company itself. I requested a hardship. Nobody cared. dead ends everywhere I go. The company is US Bank Visa. my monthly payment now is $ XXXX and they are charging me {$170.00} interest for the month of XXXX, 2022, {$140.00} interest for XXXX, 2022 and {$140.00} for XXXX, 2022. I will never pay this bill off and I told US Bank that I'm going to stop paying all together, and ill have to claim bankruptcy. I owe approximately {$8000.00} on this one bill and it never goes down. I can not keep paying this bill when only {$50.00} a month goes to the principal. its Ludacris. I am XXXX years old, XXXX  and I live on a limited income. Also I would never agreed to a 26.99 % interest rate, when im living off of social security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
In XXXX, XXXX Chase Credit Card charged me for hundreds of XXXX and Audible books from XXXX dated in XXXX, XXXX There are way to many charges to list. My XXXX account has no record of these charges and I did not make them. These charges amount to around {$400.00}. Chase has no idea where these charges came from or why if the charges were made in XXXX, XXXX that they were not billed to me until XXXX, XXXX. 

I have had numerous conversations with the fraud department at Chase to no avail. I have an account in good standing for over 20 years. If needed I can send copies of my Chase statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 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