vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: WI

Complaint narrative:
I received a letter in the mail from RMP regarding a bill in the amount of XXXX. The account number is XXXX. Upon receiving the letter, I immediately logged in and paid XXXX, as this was from a doctor 's visit, and I had attempted to pay on their site, but they already moved it to a collection agency. The date of payment was XX/XX/2023 at XXXX. The system told me it could take a few days to fully post to the account. On XX/XX/2023, I logged in to check and make sure it posted. I noticed that my balance due dropped to XXXX. I hit the contact us to ask them about this, and they advised me to reach out via phone. I called them. The rep that I spoke with asked me if another person in their system was my husband. I said he was. They advised that they had several accounts for my husband with balances due and that my payment had been applied to his accounts. I told her I didn't know my husband had accounts with them. I also am not listed on those accounts, and I should not have to have my payment for my account applied to his accounts. I am not even listed as guarantor or have permission to speak on these accounts. She proceeded to give me the balances of these accounts. She also told me that she was submitting a request to have those payments that were applied to his accounts moved to mine to ensure it was paid in full. As of today, this still has not been completed. 
1. Why are they giving information on other accounts to a caller? How do they know I am in fact related to that person?

2. Why are they applying my payment to other accounts I am not even listed on?

3. When I login to the system, I only have 1 account listed in my name. I paid the entire balance that was listed on the bill for MY account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently opened a checking and savings account with Chase bank with over {$18000.00} in checking and {$15000.00} in savings. I am traveling for work and tried to pull out funds to have access to cash. 

There was a {$500.00} limit. After calling customer support and escalating with Chase for over a hour on the phone they would not increase my limit to requested {$2500.00} per day or even {$1000.00}. Their reason is my card is too new even though the amount I requested was a fraction of the funds they have access to. The problem was declared unresolved and they refuse to increase the amount of access I have to my funds. This should 100 % be illegal as they are keeping me from accessing my money while they use it to generate wealth for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: TX

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 XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX  - Acct XXXX XXXX XXXX XXXX - XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Original Creditor XXXX Acct XXXX XXXXXXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX, have 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 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 than 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 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: TX

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 XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX  - Acct # XXXXXXXX XXXX - Acct # XXXX XXXX XXXX  - Acct XXXX XXXX XXXX XXXX - XXXXXXXX XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX/XXXX  XXXX Acct # XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Original Creditor XXXX Acct XXXX XXXXXXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX, have 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 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 than 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 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: TN

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 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX at 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 a 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 than 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: GA

Complaint narrative:
Bankruptcy XXXX  XXXX-dismissed Reference # XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
My name is XXXX XXXX my address is XXXX XXXX XXXX # XXXX XXXX la XXXX my enail is XXXX Paypal has continued to hold my {$100.00} by placing limitations on my account repeatedly for the same reason which makes no sense so i can not pay my water bill or my insurance and ive resolved the problem twice already. I wasted hours and days trying to resolve the same issue and was told repeatedly it was resolved only to go to my account and the limitations is once again back on my account. They should not be holding my money so i can not access it at all. I cant transfer it make payments only receive them which why would i so they can hold more money from me? I would like my money to be made available to me they want me to wait another XXXX hours at the most when i should not have to. I provided personal statements they have no business looking at but i did it so i can use my money. No other financial institutions use these practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I proactively paid my XXXX bill on the XXXX of the month. However, this evening I received a notice that my statement was ready. When I looked at it, the payment had been applied but not to the minimum due. The payment is also due TOMORROW. I already paid more than my monthly payment, and they told me I have another payment due that must be submitted within 24 hours or I will incur a late fee. This a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Dear CFPB, I am writing to bring to your attention a serious matter regarding my credit report at TransUnion. I have recently reviewed my credit report and found several inaccuracies that are negatively affecting my credit standing and financial well-being. I have attached my dispute letter with all inaccuracies. 
I have taken the necessary steps to dispute these inaccuracies with TransUnion, but I have yet to receive a resolution to my complaints. I am now seeking your assistance in resolving this matter as soon as possible. 

I request that you investigate this issue and remove the inaccuracies from my credit report. I also request that you provide me with an explanation of how these inaccuracies ended up on my credit report and what measures TransUnion has taken to ensure that these errors do not occur in the future. 

Thank you for your time and assistance in this matter. I look forward to hearing from you soon. 

Sincerely, 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
Consumer complaint received 2023-02-11 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My card was used and wells fargo sent me a message saying a incorrect pin was tried. Then the correct pin was used and i was charged over 300 . Wells fargo sent me a letter saying since my pin was used they wont refund 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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with this fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: OK

Complaint narrative:
I had a loan with XXXX XXXX ( now called XXXX ) before without issues. My second loan, they reported XXXX late payments on my credit report. I paid off the FULL BALANCE of $ XXXX under the agreement that all negative information and late payments being reported would be removed from my credit report by agent XXXX XXXX This was paid off in the first 100 days to avoid paying any interest, per the contract agreement. The late payments are still reflecting on my account to this day and any attempts to resolve with XXXX directly have been unsuccessful. 
Ive reported to the XXXX and XXXX advises that theyll reach out to me directly or I can reach out to them directly. 
Ive already reached out to them directly without resolution and do not want to spend any more time on this when theyre unwilling to resolve the issue and remove the late payments being reported. This was guaranteed on their recorded line with the agent taking the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX i was involved in the XXXX  data breach and in XX/XX/XXXX after seeing an alert from XXXX  I was a victim of identity theft. I also lost my wallet in Mid XXXX XXXXXXXX XXXX which caused further delays in getting a new drivers license and new debit and credit cards!! I did not find this information out until early XX/XX/XXXX at this time of course all of my accounts were compromised causing delays in payments Indigo mastercard attempted to retrieve payment and could not do so. Previous to this theft I closed this account and paid of this debt but the creditor stated that they do not take payment when authorized but can wait up to 3 weeks to collect funds during this time said identity theft took place I have filed a XXXX  complaint about the late payment that was reported on my credit I have not had a late payment in 3 years on any of my other credit cards. I have requested through multiple agencies for this to be removed without any success because the company continually states that there were insufficient funds in the account but this is not true funds were in the account but the account was compromised. XXXX  could not come to any resolution to this case. 


XXXX XXXX XXXX XXXX XXXX PROVIDES A SERVICE THAT MARKETS TRUST IN YOUR BUSINESS & BRAND This e-mail is to notify you that you currently have a new message with XXXX  in regards to complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: TN

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 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXXXXXX XXXX XXXXXXXX at XXXX : XXXX XXXX XXXX XXXX at 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 a 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 than 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12 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: TN

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 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX, XXXX at XXXX : XXXX XXXX XXXX XXXX at 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 a 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 than 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 2023-02-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
On XXXX XXXX PHH mortgage server as a agent for XXXX XXXX XXXX XXXX fraudulently and wrongfully foreclose on my property. These company has be deceiving me and my now decease mom into thinking that PHH mortgager was the servicer and XXXX XXXX XXXX XXXX AS TRUSTEE for the XXXX XXXX in which they hold no such title or claims to the property and I have the proof to support my claims. On XX/XX/1999 my now decease mom gave XXXX XXXX XXXX a Security Instrument ( Note ) XXXX. On XXXX XXXX the mortgage was then assigned to XXXX XXXX as Trustee for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. On XXXX XXXX, the mortgage was then assigned by XXXX XXXX XXXX, LP as Attorney -in-Fact for the XXXX XXXX Bank XXXX XXXX for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX to XXXX XXXX as Trustee. All trust my be filed with the SEC which one can not be found. XXXXXXXX XXXX  must prove that it has possession of both the promissory note and the mortgage and proof of chain with proper endorsement and assignment in which it has not. I have requested proof from the loan server and there respond was they PHH Mortgage was not involved in the origination and they can not comment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with this fair credit reporting act XXXX XXXX # XXXX has violated my rights. 

15 US C 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC
State: NY

Complaint narrative:
I purchased a vehicle from Carvana in 2019. My account was assigned without my knowledge to XXXX. I was recently looking over my car contract with Carvana and noticed several discrepancies. First I was forced to leave a downpayment or I could not get the vehicle unless I gave {$2000.00} down. They committed fraud by requiring cash with a consumer credit transaction. I was also never informed of my right to rescind or given recession paperwork. That is against the law and a violation. There are also a ton of charges which I do not understand and was not provided with any explanation as to what they are for. The finance charge is the SUM of all charges. I have recently received mail from XXXX after sending a cease & desist. They are still contacting me without my expressed written consent.The letter which I have attached made several defamatory statements and is defaming my character. Harassing phone calls throughout the day and night. Threatening mail which included threats of legal action and false claims were made against me which have caused willful injury. I have also noticed my signature/ notarization missing from the Power of Attorney form which is fraud because I never authorized anyone to act on my behalf. I no longer want to do business with you. I have also attached a copy of your arbitration agreement.

Company response to consumer: Closed with explanation