vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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: MO

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. 

Account name : 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 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 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 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: IN

Complaint narrative:
On XXXX DISCOVER CARD claimed I authorized a DIRECT PAY when I asked REP for single payment and a change in BANK only Discover Access My Account Account number ending in XXXX Dear XXXX XXXX XXXX, Thank you for your participation in the DirectPay feature of your Discover it Card account. 

Please accept this letter as confirmation that your enrollment in XXXX has been canceled effective of the date of this letter. If your request to cancel your enrollment in XXXX occurred after XXXX XXXX on a scheduled DirectPay payment date, that XXXX payment was not cancelled only the future XXXX payments were cancelled. Please begin making your card account payments in accordance with your statement. 


We're glad you're our Customer and we want to make sure you have the most rewarding relationship possible with Discover it card. If there is anything else we can do to help, please let us know. Knowledgeable Account Managers are available to assist you, 24 hours a day, 7 days a week by calling XXXX, or you can always visit us at Discover.com. 


Sincerely, Discover Card Customer Service https : //www.facebook.com/discover https : //www.twitter.com/discover

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, i mailed a cease and desist notice to Portfolio recovery associates LLC. via priority mail. They kept calling me stating i owe them for 2 accounts. I have not done any business with them. I have requested for them to send me the original contract with my signature. The first amount they are stating i owe is XXXX and 2nd amount they are stating i owe is XXXX. I have contacted repeatedly to remove it from my credit report as i do not owe them any money. I tried disputing it with all 3 credit bureaus and no luck. On XX/XX/XXXX i requested to start a dispute with portfolio recovery associates. I have not received any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: VA

Complaint narrative:
I refinanced my mortgage on my condo a couple of years ago and my loan was sold to Village Capital & Investments. Up until this point, I have had no issues with payment and have never needed to call customer support until recently. 

I am currently still waiting on my XXXX Form-1098 to file my taxes. My XXXX tax document was received on XX/XX/XXXX last year, but as of XX/XX/XXXX, I have yet to receive my XXXX document. 

I am opted for the paperless delivery system, and my online profile only shows my previous year tax document. 

I have tried to contact the customer service number ( XXXX ) over the last couple days and have been waiting on hold for long periods of time, even waiting 50+ minutes before I gave up. I also tried the call back option and have yet to receive any correspondence. I also emailed twice with no response. 

When I called the customer service number and tried the refinance option, I was conveniently able to speak to a live person right away, but was sent to the tax department and put on hold again. 

I'd like to think this is a one off occurrence, but other comments on XXXX show similar results with customer support. I just want to be able to pay my taxes and not get in trouble with the IRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I file a dispute regarding no late payment I have always been on time and got a letter from the creditor report account in good standing never 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 non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
I called chime on the XXXX of XXXX to report a couple fraudulent charges on my account they opened an investigation and on the XXXX I received an email from them telling me that they're findings determined that they weren't going to reimburse me my money I canceled my cards and ask them what recourse do I have at this point because those were fraudulent charges and I also asked for them to send me what they're findings were.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have fraudulent items reporting on my credit report and have sought remedy in multiple ways as this is so violating to have accounts and hard inquiries on my report that aren't mine. The most recent was when I sent an identity theft report to TransUnion certified mail with return receipt on XX/XX/23. It was received on XX/XX/23 ( per return receipt ). I called customer service on XX/XX/23 to confirm it was received. The man I spoke to told me that though it was allegedly received, it was not yet uploaded to their system and to call back in a few days. Totally fine. On XX/XX/23, I called THREE times. The first person said " we received your paperwork but can not remove the items because what you submitted was illegible. '' Unless my letter ended up in the Ohio derailment and caught on fire, then made it back to USPS and got delivered to TU, it was clearly printed 12-pt font and 100 % legible. The second person hung up on me. The third person said " we received your paperwork but we can not remove the account. We can only change the status to being investigated. We sent you a letter outlining all of this that you should receive in 7-10 business days. '' What I demanded in my letter to TU was not that they should " investigate '' but that they REMOVE the fraudulent items! I am dealing with the bank that issued the fraudulent account separately, and per 15 US Code 1681c-2, they must remove these items as it's severely discriminatory and causing me difficulty in obtaining new credit as I'm starting a new business, and the amount of times I've tried to get through to someone can help... I can't even count. This is my next effort to get through and hopefully get these FRAUDULENT items off my 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 2023-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear sir or madam, I recently did an investigation of my credit report and found 1 incorrect item on my credit report. 

The account XXXX XXXX last reported on XX/XX/XXXX does not belong to me. This account was opened fraudulently and was not authorized by me. I have not done any business with XXXX XXXX XXXX 

I have contacted XXXX XXXX on multiple occasions to report the fraud and have asked for them to stop contacting me regarding this account as it does not belong to me. The harassing calls all day/night never stopped and now this account is appearing on my credit report. 

I contacted them on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have never done business with XXXX BANK AND DID NOT OPEN UP THIS ACCOUNT WITH THEM. I would very much like to ensure my credit report is accurate .Please update me with a full report on your findings. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.

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 2023-02-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account number XXXX Date : XXXX XXXX Amount : {$3000.00}, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX Date : XXXX XXXX Amount : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I am being garnished for 6 private student loans that I have already been told by XXXX XXXX and XXXX XXXX that they were not mine, were not collecting and stopped collection all together. XXXX took these loans over, the paperwork from XXXX XXXX obviously did not go to them and trying to deal with XXXX has been nothing but trouble. I sent them a letter, got a response from the office of customer relations and basically, they did not even look into my complaint or take it seriously. The response is attached below, but basically they passed this off on the collection company XXXX XXXX, who said Forster and Garbus has the loan and they don't have anything to do with this. I am getting the run around and being garnished over a loan that is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Friday I deposited a legitimate check from XXXX XXXX. This was a Chase business check into my Chase business account. The checks XXXX use have 2 signatures which should be sufficient to guarantee authenticity. Although I found it odd that a check from a Chase account deposited into a Chase account did not have any funds immediately available, there was no concern. A Chase representative on the phone Friday said there was no hold and funds would be available around midnight. Although that was a lie, no worries because after viewing my receipt I saw Tuesday the XXXX is when the funds would be released. 

Today, Tuesday the XXXX funds were released. It shows as available funds. I can access my account and received ZERO communication from Chase. However, if I try to make a payment to my Chase credit card or transfer any amount to another Chase account I receive an error. Thats when I found out today Chase decided to freeze my account!!! Again, okay no worries its a legit check and should be as simple as them calling XXXX XXXX. Easy 5 minute call. Nope. That was a mess even though XXXX XXXX is 100 % willing to do whatever it takes to confirm the check to Chase. Through persistence XXXX and I were able to finally get Chase to confirm they have all they need, but Chase then said now its up to the back office when we unlock your account t and we have until ( he counts days probably from Friday ) and says the XXXX!!! 

I fully understand holding a {$55000.00} check for a period of days. Its during that time Chase should be responsible for calling XXXX if they wanted and viola theyd hear its a legit check and no problem for anyone.. but literally the situation is my checking account is 100 % not usable and theyre saying they can keep it locked over a legitimate check until the XXXX. Is that legal? Seriously every time I have a check deposited I risk my business checking account being locked for up to 2 weeks!? Couldnt my employees sue me for not being able to process payroll. This doesnt seem right that even my funds that are not from the check are locked and they said if I deposit more such as transferring from my personal Chase those would be frozen. Funny thing is my Chase business credit card payment is due today so it even seems like a scam where theyre trying to get a late fee or something shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I made a purchase of {$18000.00} worth of cryptocurrencies on coinbase. This purchase was made through my bank account, through 2 fractional purchases. One on XX/XX/XXXX in the amount of {$10000.00} and another on XX/XX/XXXX in the amount of {$8500.00}. I was informed at the time of purchase that I could send my money to my XXXX after 3 days. On XX/XX/XXXX I was informed that I could only withdraw the money after 15 days. And today the XXXX they informed me that I will only be able to make the withdrawal in 2 months. Every day since I try to speak with them. And the hold on my money stills there. They have custody of my money for 2 months and there is nothing I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmWest Funding Corp.
State: CA

Complaint narrative:
Today date : XXXX XXXX XXXX 

I received a letter from AmWest Funding on XXXX XXXX XXXX, that we behind the payment since XXXX XXXX XXXX till XXXX XXXX XXXX in the total amount of {$24000.00}. 

I been have financial hardship to make this mortgage payment since my work is slow down and my husband has not been work fulltime since he has an operation and perform XXXX since last few months and has to take care my son XXXX XXXX with XXXX problems since last XXXX years. 

Please help with mortgage protection program. 

Thank you so much. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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.

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 2023-02-28 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: CA

Complaint narrative:
Dear sir or madam, I recently did an investigation of my credit report and found 1 incorrect item on my credit report. 

The account XXXX XXXX last reported on XX/XX/XXXX does not belong to me. This account was opened fraudulently and was not authorized by me. I have not done any business with XXXX XXXX XXXX 

I have contacted XXXX XXXX on multiple occasions to report the fraud and have asked for them to stop contacting me regarding this account as it does not belong to me. The harassing calls all day/night never stopped and now this account is appearing on my credit report. 

I contacted them on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have never done business with XXXX XXXX AND DID NOT OPEN UP THIS ACCOUNT WITH THEM. I would very much like to ensure my credit report is accurate .Please update me with a full report on your findings. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: CA

Complaint narrative:
Dear sir or madam, I recently did an investigation of my credit report and found 1 incorrect item on my credit report. 

The account XXXX XXXX last reported on XX/XX/XXXX does not belong to me. This account was opened fraudulently and was not authorized by me. I have not done any business with XXXX XXXX XXXX 

I have contacted XXXX XXXX  on multiple occasions to report the fraud and have asked for them to stop contacting me regarding this account as it does not belong to me. The harassing calls all day/night never stopped and now this account is appearing on my credit report. 

I contacted them on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have never done business with XXXX XXXX  AND DID NOT OPEN UP THIS ACCOUNT WITH THEM. I would very much like to ensure my credit report is accurate .Please update me with a full report on your findings. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.

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