vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiry deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry DEPT OF ED Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I was never contacted by this company. One day my neighbor grabbed my package for me while i was at work and there was a very embarrasing packet on my porch stating that I was being sued. it wasnt in an envelope or anything.They have not once made contact with me or left a voicemail. It is also very humiliating when your neighbors tel you that you are being sued. Thats kinda personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: IL

Complaint narrative:
I received a debt collection notice letter on XX/XX/XXXX dated from XX/XX/XXXX. XXXX saying If i don't respond to it by XXXX XXXX XXXX that they'll assume the debt is real. This is from American Coradius International claiming I owe {$420.00} to XXXX XXXX XXXX XXXX This is not my debt I've never made any such charges and I always pay XXXX instantly. This is a scam charge and fraudulent. They are hoping someone isn't paying attention and just pays the debt without investigating. I don't have such account with XXXX and I never made a charge in that amount. This is a scam and/or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: NV

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( 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 antedates the report by more the seven years.

15 U.S.C. 1681s-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 2022-11-06 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: GA

Complaint narrative:
All these hard Inquires are fraudulent. Attached is my FTC report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2022 I discovered unauthorized charges and informed bank. Bank issues new card, however unauthorized charges continued on my account. In XX/XX/2022 my bank account had insufficient funds which caused alarm. I had a substantial amount of unauthorized charges and double charges. I notified bank immediately and they replaced card and gave me provisional credit until investigation was complete. I also incurred charges after card was cancelled and I had not received new card. Soon after provisional credit was reversed with no explanation. I trusted chase bank with my money and I was robbed. Chase Bank did not raise red flags After replacing my card. Chase failed to do 24/7 fraud monitoring for unusual activity. I did not authorize XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX several charges from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and several more. I incurred double charges from XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX It is an overwhelming amount of unauthorized charges. This has caused financial hardship and has been time consuming. I've reached out to bank and issue has not been resolved. I was told that credit reversal meant that bank reached a decision. I don't trust the bank and suspect that bank is responsible for the charges. Chase needs to replace stolen funds immediately and I can take my business to another bank that will protect my money. I can provide detailed information about unauthorized charges. I wasn't able to upload or attach list of unauthorized charges to this application due to file size. I can provide it upon request via fax or email.Please help me get my money back. Thank you for your time and help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In accordance with the Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX : Account # : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX  : Account # : XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX Bankruptcy XXXX : Reference # : XXXX XXXX XXXX : Account # : XXXX These accounts have violated my rights. 

-15 USC 1681 section 602A states I have the right to privacy. 

-15 USC 1681 section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

-15 USC 1681c ( a ) ( 5 ) 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 antedates the report by more than XXXX years. 

XXXX15 USC 1681 Section 2 ( A ) ( 1 ) states that 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. 

These debts occurred and were made worse by being under limited connectivity and availability while XXXX and/or forward XXXX on XXXX XXXX US military service, I believe fall under the The Servicemembers Civil Relief Act ( SCRA ).

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 2022-11-06 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # : XXXX XXXX  XXXX : Account # : XXXX XXXX XXXX XXXX  : Account # : XXXXXXXX XXXX : Account # : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX : Account # : XXXX XXXX XXXXXXXX XXXX  : Account # XXXX XXXX XXXX XXXX Bankruptcy XXXX : Reference # : XXXX XXXX XXXX : Account # : XXXX These accounts have violated my rights. 

-15 USC 1681 section 602A states I have the right to privacy. 

-15 USC 1681 section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

-15 USC 1681c ( a ) ( 5 ) 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 antedates the report by more than XXXX years. 

-15 USC 1681 Section 2 ( A ) ( 1 ) states that 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. 

These debts occurred and were made worse by being under limited connectivity and availability while XXXX and/or forward XXXX on XXXX XXXX US military service, I believe fall under the The Servicemembers Civil Relief Act ( SCRA ).

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 2022-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
ISSUE # XXXX : In XX/XX/2022, my loan was sold by XXXXXXXX XXXX XXXX XXXX XXXX / XXXX. The XXXX payment was auto-debited from my bank account by XXXXXXXX XXXX  They took their sweet time transferring that money to evil XXXX XXXX / XXXX. When evil XXXX XXXX / XXXX received that money in XX/XX/2022, they said it was all my fault! They reported me to the credit agencies and charged me an outrageous late fee of {$180.00}. I WANT THAT REMOVED FROM MY CREDIT AND THE MONEY RETURNED! If anyone should pay a late fee, it should be XXXX XXXX for taking their sweet time transferring the money. 

ISSUE # XXXX : In XX/XX/2022, I was hit with another late fee of {$180.00} in spite of making my normal payment! Apparently, evil XXXX XXXX / XXXX screwed up big time. They did an escrow analysis which they admitted was wrong. So, I kept making my usual payment. But their frame of reference was the incorrect escrow analysis. So, they felt my usual payment was short ~ {$200.00}. So they hit me with a bogus late fee of {$180.00} when it was truly their incorrect math, and reported me to the credit agencies! I WANT THAT REMOVED FROM MY CREDIT AND THE MONEY RETURNED! In XX/XX/2022, they did another escrow analysis which I still don't think is correct. How dare they charge me fees for their incorrect calculations while I am continuing to make normal payments? 

PLEASE SHUT THIS COMPANY DOWN, OR LIMIT THEIR LICENSE AND FINE THEM FOR SCAMMING MILLIONS OF POWERLESS CUSTOMERS LIKE ME,

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 2022-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Agreed to pay amount of {$410.00} and charged credit card {$1300.00}. They refused to respond to any written requests ( emailed Radius Global on XX/XX/19 ) on as I tried to resolve without getting the credit card company involved.

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 2022-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I didnt receive any bill related to the debt.

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 2022-11-06 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: FL

Complaint narrative:
Complaint to Transunion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumers rights privacy and confidentiality under XXXX XXXX Account name XXXX, account number XXXX Privacy and confidentially under XXXX XXXXXXXX XXXX XXXX XXXXXXXX section XXXX .States I have the right to privacy XXXX. XXXX XXXX section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 antedates more than XXXX XXXX XXXXXXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if they if the person knows or has reasonable cause to believe that the information in inaccurate Delete this account ASAP

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 2022-11-06 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: WI

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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXXXXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 antedates the report by more than XXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2022-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
capital one stated that they could not find any credit status or history from any credit bureau and that is why they denied my application. i have an extensive credit history with all XXXX major bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I had a problem with my water heater. I called my plumber! They fixed it for me. I asked if I could pay in XXXX payments instead of XXXX total! They said XXXX, and to use XXXX! I only used it XXXX before with somebody helping me, so I was very unknowledgeable about how to do a XXXX so I ended up making a mistake putting in a phone number that was XXXX digit wrong and spent {$500.00} to somebody I do not know! I reached out to her and said, can you please XXXX me back my money never heard back from her! This was the end of XXXX so approximately XX/XX/XXXX! I went to my bank to file a complaint. They said it might take XXXX XXXX or so and at the end of XXXX XXXX they sent me a letter that said they cant help me get back that money because I sent it to her! I went back again and filed a complaint again. XXXX XXXX later same thing cant get your money back because you sent it to her! They knew that I sent it to the wrong number by XXXX digit, and I expect to get that money back! Of course I cant do small claims court because I dont have her email or her address. Otherwise I would. What else can I do to fix this? I have heard that there is protection called 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 2022-11-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NJ

Complaint narrative:
Multiple charges from XXXXXXXX XXXX XXXX  in varying amounts- Direct Express did not believe the charges were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
This is bits and piece from all the years we have owned our home. My wife and I have been trying to find out why we owed escrow and refused to pay it until they could tell me what it is for. We received one notification from their lawyer after I requested that they help us get in touch with someone. Instead we got a notification that we never received from the TD Bank and still had no answers. I tried calling again and still one person said we owe nothing and another said we owe it but can't tell me why. I spoke to a manager who still could not tell me what they paid and when they paid it and the amount. I told the manager if they could not give me an answer I was not going to pay it. They did this immediately after giving us a modification. You would think they would look into this an call back. Instead we got the harassing phone calls about us owing money and we need to pay it. I would tell them when they called that I wasn't going to pay until we know what it was for. They have yet again put us behind because we are not going to pay for something that we don't know what it is for and as of XXXX they have started to refuse the agreed amount in the modification, because we did continue to pay that amount. Now we are being offered a recast but they included my taxes and insurance which we did not request nor want. They have destroyed my credit even more yet again when all I was doing was trying to get back on track. And just recently they sent me XXXX different individuals information and someone mine. We are overall not happy with TD Bank and just want to get away from them as soon as we possibly can, which is all we have been trying to do since we bought our home in XXXXXXXX. We requested XXXX and death insurance on the mortgage and when we noticed we said something within a few weeks of signing we went and saw the loan officer and she said you never said that and there is nothing that we can do about it. And guess what 6 months later I became XXXX and that is when all the more problems started with TD Bank because I was the sole provider for my family. I have tried seeking a lawyer but have not had any luck, so we have been stuck in this repeated circle with TD Bank. I would like someone to schedule a time and day with us to come to our house and discuss everything with us so we can not keep having these issues and we can build our credit and get away from this nightmare of a bank. There are many more issues within this bank because none of this is a first time for us alone. Like I said there is more but I don't have the time to write about all of it. Especially how some of their employees treat costumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complain to Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumers rights privacy and confidentiality under XXXX XXXX Account name XXXX XXXX XXXXXXXX, Account number XXXX Account name XXXX, account number XXXX Privacy and confidentially under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX .States I have the right to privacy XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) 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 antedates more than XXXX XXXX XXXX XXXX XXXXXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if they if the person knows or has reasonable cause to believe that the information in inaccurate Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX, Inaccurate Account name XXXX, account number XXXX, Inaccurate Delete these accounts ASAP Thank you 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 non-monetary relief