vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In accordance to credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnish an account without written instructions under 15 USC 1666 b a creditor maytreat a payment on a credit card account under and open and consumer credit path as late.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I Have reached out to all XXXX credit bureaus and they given me the run around I have sent in my FTC report, in months ago here are the accounts and inquires that need to be removed immediately. 

Account Name and Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BSI Financial Holdings, Inc.
State: CT

Complaint narrative:
In XXXX I was denied support, and was able to have family help me become current. But still didnt help my situation. I call XXXX at least once a week to get an update on my loss mitigation application. They have zero information about my application, or how long the process can take. All they say is that it could take up to XXXX business days. Today they told me that they are hiring new staff and some people left at they are back logged XXXX months. When I asked to speak to my direct point of contact she said the answer is still the same, I dont know why you call every day. They have no empathy for their customers and they dont care about their customers- they arent trying to help them. Previously, when I was late and I hadnt submitted this application they NEVER called. Never offered a remediation, never offered support, never tried to help- they sent a foreclosure notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I sent you a Letter 2 months back because you are reporting some late payments that is NOT accurate and I asked you to update these payments to ON TIME PAID AS AGREED. You seem not to understand how serious this is because you have not fixed the issue for me. Please look at this letter as it is my SECOND time notifying you of some items that are incorrect. These are not accurate on my credit reports I have listed the account name and account number below along with the dates you are reporting late and those dates need to be paid to PAID AS AGREED. 

1st account : XXXX XXXX reported late XXXX ( Please note that the date of this late payment also has inaccurate dates. my Experian says it was a late payment in the month of XX/XX/2023 & my XXXX says it was reported late in the month of XX/XX/2023? 

2nd account : XXXX XXXX XXXX- REPORTED LATE 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 2023-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
Debt collections are texting me to get payments from me. Also, I gave them XXXX information during the visit, so don't owe them anything. 

By law under the The Telephone Consumer Protection Act of 1991 47 U.S.C 227. I did not give the company permission to use my number the contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: CA

Complaint narrative:
This complaint is in regards to the original complaint XXXX RE : Attempts to collect debt not owed to XXXX XXXX and XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX and XXXX XXXX XXXX claims to collect debt not owed and have damaged the consumer 's good XXXXredit score. This company 's collection practice is illegal in California and they need to be investigated for collecting debt that never existed to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to Aspire Credit Card. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within XXXX business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : 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 2023-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX has the wrong dates on my credit report causing me a huge issue costing me alot of money date of last payment should be XX/XX/XXXX they have on my credit report the date they bought the account as XX/XX/XXXX which is against the law. 
also need account info everthing is wrong on the credit report can not do any research using this wrong information on my credit report which is also against the law

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 2023-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
I have a savings account with XXXX XXXX. I attempted to initiate a wire transfer from my account to pay a dealership for a vehicle on XX/XX/XXXX. The wire was canceled on XX/XX/XXXX due to fraud concerns despite the fact that I had verified my identity multiple times and called several times asking why the wire wasnt moving forward. I was told the fraud concern stemmed from my changing phone numbers on XX/XX/XXXX. XXXX XXXX has refused to provide a way for me to refute the fraud concerns and I am unable to wire money from my account for the foreseeable future. The only way I can access the money in my account is them sending a paper check to me or ACH transfer. Neither on helps me pay the dealership in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
The following accounts were not authorized to access or report any of my credit information and should as such be removed immediately. The initial FTC report is attached. 

XX/XX/XXXX - JPMCB CARD XX/XX/XXXX - XXXX XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-10-24 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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm escalating these unfamiliar and inaccurate accounts that I recently found from my credit report today. There has been lots of mistakes and misleading details that were entered in my consumer file regarding these below Charged-off accounts. I needed them to be removed right away .... 

XXXX. XXXX XXXX XXXX - Account # : XXXX XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX XXXX - Account # : XXXX XXXX. XXXX - Account # : XXXX XXXX. XXXX - Account # : XXXX XXXXXXXX XXXX XXXXXXXX - Account # : 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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : -XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
On XX/XX/2023, Mr. Cooper notified me that they would no longer service my loan as of XX/XX/2023. Please see attached document. The new servicer of my loan became XXXX XXXX as of XX/XX/2023. I sold the property on XX/XX/2023. I no longer own the property, but both Mr. Cooper and XXXX XXXX have failed to properly update the credit agencies that a mortgage no longer exists on the property. My credit reports are all showing mortgages for a property that I no longer own. I have filed disputes with the credit agencies, but my credit reports are still not being updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I received notification regarding garnishments for lack of student loan payments. In XX/XX/XXXX, I signed up for the XXXX XXXX Program through XXXX XXXX XXXX XXXX XXXX Maryland ( no longer in business ) and successfully made my required payments. In XXXX XXXX, my employer advised that garnishment would begin on XXXX XXXX, XXXX for failure to pay my student loan, although I was told that completing the XXXX program would prevent this from happening. As of XXXX, XXXX, my wages have been garnished ( bi-monthly ) however, I do not know who the payments are being made to and why my monthly payments through Nelnet are also being required? 

I have been consistently making daily attempts to contact Nelnet with no prevail. The wait times are extremely long two-hours or more and no results. I have filed a complaint through XXXX, and their response is that they have attempted to reach out however, there is no record of that from my end. 

As a XXXX XXXX  teacher in a public school I do not know what else to do as I am unable to endure both a wage garnishment and making monthly payments. 

Help is needed!! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The Company in question is Chase, and I have been a customer of them for over 20 years. After going out on XXXX in XX/XX/XXXX and not being released until XX/XX/XXXX, I made payments to Chase on time and as agreed. However, fast forward to today, XX/XX/XXXX, I have depleted my 401K, IRA, and my savings. Thus, my last payment to Chase was on XX/XX/XXXX as I currently have no income coming in, and I need the little that I have left to cover my doctor visits and medication for health conditions covered under the Americans with Disabilities Act ( ADA ). I called them when I received my XXXX bill, letting them know that I could not afford to make payments for the reasons I mentioned in this complaint. I have attached what they told me, and please keep in mind that they would only give me an option to settle this once I defaulted, which I believe violates the Fair Credit Reporting Act. The reason is that they wanted me to wait ( and I quote ) until I was on default to make payment arrangements ( although I was being proactive and trying to find temporary help to avoid impact to my credit, which has been immaculate ). As a result, my credit report has been negatively impacted and decreased from having an " exceptional '' credit rating to a " fair '' credit rating, as a result of Chase and their inability to work with me before default, which I believe is unfair, violates my rights under FCRA, and gives them a horrible reputation taking into account my current situation both financially and healthwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: LA

Complaint narrative:
I was robbed in XXXX XXXX while there on business XXXX. It was roughly between XXXXXXXX XXXX near and upon returning to my hotel I was accosted by 2-3 robbers. My cell phone was stolen along with my debit card. Cell phone had all e-wallet access passwords etc. Between XXXX and XXXX as shown on the timeline attached I could not be at all the places at o e time. I had money XXXX, credit applications filled out, ATM transactions and gas station purchases at various points in the city. All was returned by Chase insurance accept two {$500.00} ATM withdrawals and a {$43.00} ATM withdrawal. Chase acknowledged some of the transactions prior to XXXX as fraud but not the later ones between XXXX. One robbery incident required 4 claim account numbers and one department was not communicating to the other department. The operator made a mistake and reported my card initially as lost and not stolen so they started to question what I was robbed at all. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I Have reached out to all 3 credit bureaus and they given me the run around I have sent in my FTC report, in months ago here are the accounts and inquires that need to be removed immediately. 

Account Name and Account Number XXXX XXXX XXXX DEPTEDXXXX 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 non-monetary relief
Consumer complaint received 2023-10-24 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: MS

Complaint narrative:
I Have reached out to all 3 credit bureaus and they given me the run around I have sent in my FTC report, in months ago here are the accounts and inquires that need to be removed immediately. 

Account Name and Account Number XXXX XXXX XXXX DEPTEDXXXX 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