vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 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: MA

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: MD

Complaint narrative:
It happened again, this time, for the first time ever, I received a statement in the mail saying I owed them {$110.00}! After I have paid them {$69.00}. 

They are exploitive and frauds. 

No routine credit card purchases has ever been made and this must involve fees of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: DISCOVER BANK
State: TX

Complaint narrative:
Credit report is showing an account that the company and myself do not recognize. 
I have called discover and they have stated there is nothing they can do as the account does not show on their end under my social. 
Account shows it was last paid XX/XX/2020 with a balance of {$3000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: WA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-18 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: MA

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-04-18 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:
In accordance to the Fair Credit Reporting Act. 

This creditor have violated my rights. 

UNDER 15 USC 1681 section 602 states i have the right to privacy.

UNDER 15 USC 1681 SECTION 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions.

UNDER 15 USC 1666 B States A creditor may not treat a payment on a credit card account under an open and 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 explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: WA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-18 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: MA

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: OH

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  Acct # 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 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
I purchased 2 vanilla gift cards/Visa. They were stolen from my wallet. I am trying to report them stolen and get new cards. After hours on hold I gave the vanilla gift card person the serial numbers for the cards. I have the receipts for the purchase of the cards ( originally {$500.00} each ). The person wanTed my birthday and a color copy of my driver 's license and a bill showing my address. As being the victim of prior identity theft I did not give those items. Personally i believe that in house person is gsthering information to sell or to create fraudulent activity. What do I do now? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NE

Complaint narrative:
I saw a transaction on my account that I do not recognize at all. I called Chime to report this unauthorized transaction by filing a dispute. I was advised by the Chime rep that first I needed to try and resolve this directly with the merchant first. The Chime rep said if I couldn't reach a resolution with merchant after a couple weeks to call Chime back and at that time they would file the dispute. I explained I was somewhat hesitant to do this because I needed dispute resolved ASAP as I can't just be out {$890.00} for any extended amount of time. I'm a XXXX single mom of XXXX small children. {$890.00} is like {$8.00} million to me. Anyways the Chime rep said well Chime makes you wait 10 business days before they'll refund your account anyways so you might as well spend that time trying to first resolve with merchant. If you can't then call Chime back and file dispute and we will issue a provisional credit within 24 hours. The merchant in this case was XXXX. I did in fact try my hardest to get resolution directly from XXXX but unfortunately they were not responsive to me at all. So after a couple of weeks I did what Chime told me to do, I called them back to file the official dispute ; which they did on XX/XX/XXXX. However MY COMPLAINT IS THIS EXACTLY : I filed my dispute an entire week ago and still haven't received my provisional credit that I was told would be issued within 24 hours! When I contacted Chime again a few days ago the rep this time had a whole different story. She said credits aren't issued until 10 business days, could be sooner but not required by law. I said yes I know but first rep told me to work directly with XXXX for resolution and during such time it was counting towards that 10 day waiting period. Now this rep I most recently spoke to said I'm not getting the credit until XX/XX/XXXX!?!?!?!!!!!!!! I can not wait a while additional week. My kids and I are drowning over here. I literally don't have gas in my car to drive them to school or money in my account to buy groceries. I need this resolved ASAP!! I realize Chime didn't cause this problem initially, it was the thieves. But Chime isn't helping to resolve it quickly and fairly at all. I wish something could be done to stop all these thieves from hacking bank accounts online, stealing directly out of our mailboxes in person, attaching skimmers to duplicate our debit cards, etc. But until the thieves can be stopped, the banks need to step up for their customers NOT CONFUSE THE ALREADY DESPERATE CUSTOMER SOME MORE by giving out false information which delayed my refund another 2 weeks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: GA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
The Debt is with Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX Account # XXXX for {$220.00} Creditor is XXXX XXXX XXXX XXXX The creditor is XXXX XXXX, my son, who is an XXXX XXXX XXXX XXXX man stationed with the XXXX in XXXX on the XXXX. 

My name is XXXX XXXX and I spoke with them directly. I recognized that they could not speak to me directly about the specifics of his account. I gave the person who answered the phone the account information and let them know that XXXX was XXXX XXXX and currently XXXX overseas and asked what their company policies were for collections of XXXX XXXX, XXXX service members. The person on the phone said that he thought they were the same as any. I asked if he received any special accommodations under the Soldiers and Sailors Act or the Servicemembers Civil Relief Act. He said he did not think so. I said that I thought that the collection was supposed to be suspended till the service member got back. He said he didn't think so. 

At that point I asked for a supervisor. I got, I think his name was XXXX XXXX. I asked him for his company 's policies for XXXX XXXX XXXX service members and what process I needed to follow to show that he was XXXX. I asked if I could contact his command and get a copy of his XXXX orders. He said that he would provide no legal advice. I kept asking what their published policies were and he refused to provide them. His file has been fully noted that he is a XXXX service member. He said I would have to contact an attorney. 

I just want an opportunity for my son to be able to defend himself. He has no idea this is going on. By the time he gets back the and gets notification the debt will be {$500.00} with all the attorney fees and interest. Oh yeh he has paid these 2 toll charges but no way to prove it till he gets back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I HAVE SEVERAL FRAUDULENT CHARGEOFFS SHOWING ON MY CREDIT REPORTS FROM PORTFOLIO RECOVERY FROM OVER 7 YEARS AGO, IVE ASKED FOR DEBT VALDIATION SEVERAL TIMES AND THEY HAVE NOT PROVED OR SENT ANYTHING AND HAVE DISPUTED IT ENDLESSLY AND IT ALWAYS COMES BACK VERIFIED INSTANTLY, THEYRE REPORTING INACCURATLEY ACROSS THE 3 DIFFERENT CREDIT BUREAUS, THEY HAVE ADDED ADDRESSES IVE NEVER RECIDED IN AND ALSO MY BIRTHDAY ON XXXX IS INACCURATE SHOWING MY DOB AS XXXX I WAS BORN IN XXXX. I SEE THERE IS NUMEROUS CLASS ACTION LAWSUITS FOR THERE FRAUDULENT BEHAVOR AND SCARE TACTICS I HAVE RECEIVED SEVERAL PHONE CALLS TRYING TO INTIMIDATE ME AND SAY I WOULD BE ARRESTED FOR NOT PAYING. THE STATUE OF LIMITATIONS FOR THIS SO CALLED DEBT HAS EXPIRED YEARS AGO I NEED HELP REMOVING IT FROM MY CREDIT AS IM IN THE PROCESS OF BUYING A HOUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
bank denied me personal line of credit to help with financial hardship, even though I get {$6000.00} - {$7500.00} deposited funding throuhg my checking account every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
Debt was for ambulance services on XX/XX/XXXX. I was notified of this by collection agency, Phoenix Financial services on XX/XX/XXXX. I was never billed by the original creditor, XXXX XXXX XXXX and all other providers were paid by my insurance. I verified with an attorney that the statute of limitations has expired. I notified Phoenix Financial, as well as the 3 credit bureaus, as this is now on my credit report. I also notified the CA Attorney Generals office, as Phoenix Financial states in their disclosure that their license is pending in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: American Credit Acceptance, LLC
State: GA

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

This creditor have violated my rights.

UNDER 15 USC 1681 section 602 states i have the right to privacy. UNDER 15 USC 1681 SECTION 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions. UNDER 15 USC 1666 B States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any
purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me 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 2023-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DataMax Corporation
State: NC

Complaint narrative:
Datamax corporation reported a medical debt to credit agencies before 180 days. They reported it after I had set up a payment plan with them. The account was placed with datamax on XX/XX/XXXX. I set up a payment plan on XX/XX/XXXX and the debt was reported to XXXX on XX/XX/XXXX. A representative said that it could only be removed if paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MECHANICS BANK
State: CA

Complaint narrative:
I previously signed up to take a course. With XXXX XXXX XXXX. However this class meetings would not allow me to enter the XXXX lessons although they kept sending me text messages. I sent Correspondence to the instructor via text and he or she never responded to my texts after the site red flagged a warning at this time I contacted Mechanics Bank and informed them to please return the fees they had taken out of my account. I had to have XXXX and while waiting I quick view my account and was almost {$500.00} dollars overdrawn even after I asked them to remove the fees and the {$70.00} charges. I apparently owe {$480.00} I kept being charged along with the {$5.00} charges continuing until the account was cleared up. My issue is the bank is violating my consumer rights and also has caused injury on my family as well as myself. I want the bank to return all my credits they have taken from me due to the billing errors found. Those credits are for personal and family use. Also the bank has been violating me per the TILA act. They provide truth in lending saving information but what about truth in lending period as a whole. This act states these things should not be happening to me. My family is suffering because I am being violated and I have a right to ask for a refund if Im not able to log on to classes I have provide attachements as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
This is regarding Rocket Mortgage. 

I recently had only been paying my principal, interest, and homeowner 's insurance. As of last week I received a letter that RM would charge me monthly taxes in escrow until I could provide a bill " through XX/XX/XXXX '' - the Tax Office confirmed that they can not provide this bill now as its in future state and won't have one available until XX/XX/XXXX. 

However, I did provide a current statement showing where I owed XXXX taxes for XXXX, reflecting the XXXXXXXX XXXX XXXX  status listed on the bill, along with a letter from the Tax Appraisal office ( attached ). 

At this point Rocket Mortgage is proceeding with raising my mortgage from XXXX per month to XXXX per month rejecting the letter from my Tax Appraisal District and Tax Office Statements. This will place me in a financial bind obviously. I've done my due diligence in calling both Tax Office, Appraisal Office, as well as escalating with Rocket Mortgage. 

The only exit I have currently is paying up my balance with Rocket Mortgage to a XXXX, and then there is still no garauntee that I can lift RM from escrowing my taxes and allowing me to manage myself. 

What options do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Date reported XX/XX/2021. 
I had debt collection from CitiBank for XXXX $ and I have paid this amount ( as soon as I got this notice ) to collection agency. 
I owe nothing right now to CitiBank. 

I had financial struggle at that moment, since that I have never had an issue with debt collections. 
Also I've tried to contact CitiBank support with no luck. 

Nowadays this negative mark hurts 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 explanation