vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute letter with the 3 major credit bureaus about a collection that was never properly validated or verified. The account contained inaccurate information ; I contacted the original creditor XXXX XXXX XXXX and asked for full disclosure on my account and to disclose a itemized list for the charges they allege I owe them. They failed to provide me with proper documentation within the required time frame that the law requires.I then sent a letter to Equifax informing them that the account has not properly been verified and is not accurate and that they failed to respond in required time. The collection was closed a few weeks later and then re appeared two weeks later. This time it was actually reported twice. XXXX XXXX XXXX was reflecting twice on my consumer report. I filled another letter to Equifax notifying them of their mistake and received a letter stating that the account was validated and verfied. I was then sent a letter from Equifax stating they created an error on their end by making the mistake of duplicating that XXXX XXXX XXXX collection account reflecting that I owed double the amount that was already inaccurate and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX {$1700.00} is reporting inaccurate information. This debt was settled out and paid in full. There is NO BALANCE! Account opening date is INCORRECT AS WELL! PLEASE DELETE! 

XXXX XXXX XXXX {$17000.00} is reporting inaccurate information. The debt is completely WRONG! I even sent proof of my lease, to this XXXX XXXX XXXX and was told this would be removed. Which is STILL on my report! XXXX XXXX XXXX is committing fraud! Even tried to get a rental assistance funding in my name as well. For not wanting to renew my lease another year, which i got a lawyer involved in. PLEASE DELETE FROM MY CREDIT REPORT! 

XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The Payment status is incorrect! PLEASE UPDATE TO PAID ON TIME!! 

XXXX XXXX as of XX/XX/22 is reporting inaccurate information. This account was NOT A CHARGE OFF!! THIS WAS PAID IN FULL! REMOVE THE NEGATIVE REMARKS AND UPDATE!! 

XXXX as of XX/XX/22 this account was paid in full. PLEASE REMOVE FROM CREDIT REPORT!! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The amount past due is incorrect and the remark! This was NOT A CHARGE OFF! PLEASE DELETE FROM REPORT! XXXX as of XX/XX/22 is reporting inaccurate information! The account status, payment status and amount past due is INCORRECT! PLEASE DELETE FROM REPORT! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The remarks are incorrect and this was PAID IN FULL! NO CHARGE OFF! PLEASE DELETE FROM REPORT!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX {$1700.00} is reporting inaccurate information. This debt was settled out and paid in full. There is NO BALANCE! Account opening date is INCORRECT AS WELL! PLEASE DELETE! 

XXXX XXXX XXXX {$17000.00} is reporting inaccurate information. The debt is completely WRONG! I even sent proof of my lease, to this XXXX XXXX XXXX and was told this would be removed. Which is STILL on my report! XXXX XXXX XXXX is committing fraud! Even tried to get a rental assistance funding in my name as well. For not wanting to renew my lease another year, which i got a lawyer involved in. PLEASE DELETE FROM MY CREDIT REPORT! 

XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The Payment status is incorrect! PLEASE UPDATE TO PAID ON TIME!! 

XXXX XXXX as of XX/XX/22 is reporting inaccurate information. This account was NOT A CHARGE OFF!! THIS WAS PAID IN FULL! REMOVE THE NEGATIVE REMARKS AND UPDATE!! 

XXXX as of XX/XX/22 this account was paid in full. PLEASE REMOVE FROM CREDIT REPORT!! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The amount past due is incorrect and the remark! This was NOT A CHARGE OFF! PLEASE DELETE FROM REPORT! XXXX as of XX/XX/22 is reporting inaccurate information! The account status, payment status and amount past due is INCORRECT! PLEASE DELETE FROM REPORT! 

XXXX XXXX XXXX  as of XX/XX/22 is reporting inaccurate information! The remarks are incorrect and this was PAID IN FULL! NO CHARGE OFF! PLEASE DELETE FROM REPORT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: PA

Complaint narrative:
I received a debt collection notice from MRS BPO , LLC XXXX : //mrsbpo.com, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX For XXXX XXXX from XXXX XXXX XXXX , I returned their form starting this is fraudulent.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: PA

Complaint narrative:
Prince Parker and Associates {$1700.00} is reporting inaccurate information. This debt was settled out and paid in full. There is NO BALANCE! Account opening date is INCORRECT AS WELL! PLEASE DELETE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
It's been a month since I've tried to correct my social security number and they've only sent me from one office to another I've sent them documentation twice and the first time they lost it I sent it back to them and they give me different answers it seems like they didn't know how to do it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX / XXXX XXXX are in direct violation of my Consumer Rights. 

FCRA prohibits any person ( individual or entity ) from reporting inaccurate, incomplete, and unverifed information to my Consumer Report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Please see 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 2022-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I received a letter today XX/XX/2022 from Freedom Mortgage where the letter was dated XX/XX/2022. The letter was to inform me that they had contacted my homeowner insurance company for a copy of the updated insurance policy, and had not received a copy of the policy from XXXX as of the date of the letter. I called Freedom Mortgage to inform them that I had called XXXX today XX/XX/2022 to have the mortgagee clause updated, and that XXXX is to fax over a copy of the policy once their system is updated. I told Freedom Mortgage that I had also uploaded the policy as it is available ( prior to mortgagee clause being updated ) to the website provided. The gentleman at Freedom Mortgage told me that the force placed policy would be cancelled after they receive the updated documents that I uploaded to the site, and that I should not receive any costs associated with the policy. I told him that the regulations require I be informed of at least 30 days prior to force placed policy being applied against my account, and that the policy expired on XX/XX/2022 which was a non-business day, and that XX/XX/2022 is the first business day after the policy expired. 
This would lead me to believe that Freedom mortgage took out a policy prior to the expiration of the existing policy, and did not provide the required timeframes for me as a customer to resolve the 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
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
A third party bought a bill and the amount of the bill is not correct, Bill was paid off by insurance company and it was never supposed to be on my credit.I never gave them a signature, so I didn't agree to their contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have reached out to Synchrony Bank/PayPal Credit several times about the {$4500.00} of unauthorized charges and removal of the delinquent payments showing on my credit report due to identity theft. My account has been up to date without any delinquent payments until my identity was stolen in late XX/XX/XXXX. After not getting any satisfaction via telephone, I sent them a dispute letter on XX/XX/XXXX. On XX/XX/XXXX, they responded by attaching monthly billing statements for XXXX and XXXX onlynot showing the unauthorized charges in question. While disputing the unauthorized charges, Synchrony Bank/PayPal Credit continued to charge late fees and assess interest on the disputed balance. 

On XX/XX/XXXX, I sent a certified return receipt response letter asking for verification of charges. This letter was delivered and signed for on XX/XX/XXXX. After no response. I filed an Identity Theft Report with the Federal Trade Commission. On XX/XX/XXXX, I sent a certified return receipt letter and FTC Reportthis letter was delivered and signed for on XX/XX/XXXX. To date, I have not received any information about my dispute. Synchrony Bank/PayPal Credit has mishandled my dispute about identity theft by not acknowledging my complaint and did not provide me with an explanation for rejecting my complaint. Synchrony Bank/PayPal Credit has engaged in unfair acts or practices in violation of the CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: AR

Complaint narrative:
HALSTED CLAIMS I HAVE AN ALLEGED DEBT.

HALSTED HAS BEEN HARRASSING ME FOR MONTHS. THEY FIST STARTED WITH PHONE CALLS AND NOW ITS DAILY EMAILS HALSTED HAS SENT COMMUNICATION THROUGH MEDIUMS OF MAIL DELIVERY PURSUANT TO 15 USC 1692C HALSTED IS IN VIOLATION DUE TO CONTACTING MY WITHOUT MY CONSENT. 
PURSUANT TO 15 USC 1692D HALSTED IS IN VIOLATION DUE TO REPEATED PHONE CALLS & EMAILS. 
PURSUANT TO 15 USC 1692J HALSTED EMAILS SHOWS 2 COMPANIES TO WHOM ALLEGED DEBTED IS OWED COMPANIES BEING XXXX XXXX XXXX & XXXX XXXXXXXX XXXX  THESE COMPANIES ARE IN VIOLATION OF 15 USC 6801 DUE TO NOT CONCEILING MY PRIVATE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
To whom it may concern, I would like to file a complaint with PHH Mortgage in a matter concerning the removal of my mortgage insurance removed. 
I first contacted PHH by phone around XXXX XXXX to find out how I can request an appraisal on my primary residence to document I have sufficient equity with an LTV of equal to or less than 80 %. This home was purchased in XX/XX/XXXX. I was told that a letter would be sent to my residence by mail and I can expect to receive it within 5-10 business days. 
After receiving the letter, I contacted PHH again to clarify if the same type of appraisal would be required if I was documenting I made sufficient improvements to increase the value of the home since the purchase date or what the home is worth in the current market having been seasoned at least two years. I was told that the same appraisal type would be used for both and their seasoning requirement was based on the date of the first mortgage payment. 
I sent a check to PHH in the amount of {$150.00} for the cost of the appraisal. It was cashed on XXXX and I have yet to have an appraisal scheduled. I am now writing this letter on XXXX after multiple phone calls with PHH on XXXX, XXXX, XXXX and XXXX. Each time I am told that my matter is being escalated to the proper people and I am also not provided a definite reason as to why it can not be scheduled. 
I finally informed them that I would be placing a complaint with the FCPB if I did not have an appraisal scheduled by XXXX. I have had no further contact since then. I relayed my concerns to the agent that I feel PHH may be waiting out the current market with interest rates rising in an attempt to impact the value of my appraisal. 
Per the letter I received from them, I can expect to wait an additional 15-20 business days for them to review the appraisal after it is completed. ( This letter is attached with the complaint ). I am now 26 business days after my check was cashed without an appraisal scheduled and can expect to wait at least another 15-20 after the appraisal is performed. 
Please let me know if you can be of any help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: PA

Complaint narrative:
First progress card as of XX/XX/22 is reporting inaccurate information! The remarks are incorrect and this was PAID IN FULL! NO CHARGE OFF! PLEASE DELETE FROM REPORT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX an account was opened in my name without my permission with XXXX XXXX XXXX XXXX, i never applied for this account and never used this account. it was opened fraudulently. i called the company and they said its in there system so i had to pay. account number XXXX the amount {$6900.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX, i never applied for this account and never used this account, they were supposed to investigate the fraud and they still placed it on my credit anyway the account number is XXXX in the amount of {$340.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX i never applied for this account and, never used this account, i called them and they were supposed to investigate and remove it from my credit and they never did.. the account number is XXXX the amount was {$6400.00} on XX/XX/XXXX an account was opened in my name with XXXX XXXX  i never applied for this account and, i never used this account. i spoke with them and they said that its in there system and that, im responsible for it and there was nothing that they could do, they advised me to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XX/XX/XXXX an account was opened in my name without my permission with XXXX XXXX XXXX XXXX, i never applied for this account and never used this account. it was opened fraudulently. i called the company and they said its in there system so i had to pay. account number XXXX the amount {$6900.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX, i never applied for this account and never used this account, they were supposed to investigate the fraud and they still placed it on my credit anyway the account number is XXXX in the amount of {$340.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX i never applied for this account and, never used this account, i called them and they were supposed to investigate and remove it from my credit and they never did.. the account number is XXXX the amount was {$6400.00} on XX/XX/XXXX an account was opened in my name with XXXX XXXX i never applied for this account and, i never used this account. i spoke with them and they said that its in there system and that, im responsible for it and there was nothing that they could do, they advised me to file a complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX For XXXX XXXX from citizens bank n.a. , I returned their form starting this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
It came to my attention back in XX/XX/XXXX that I had failed to update my credit card number in my bank payments and had continued to make the payments to the wrong account ending in XXXX. I have researched back to the first of the year and all of my payments were paid to the XXXX account and were applied by the company to the correct number XXXX until XXXX. I wasn't aware of the problem until the payments were no longer showing up. I called on XX/XX/XXXX and opened a dispute and advised I had a {$1000.00} credit on account ending in XXXX and would like the money refunded or transferred to the new card ending in XXXX. AS of today XX/XX/XXXX NOTHING HAS BEEN DONE. I called again today and spoke to two different people. The first one tried to tell me the money had been credited which I know was not true as I am looking at my account activity and my bank activity and of course the latest statement showing a {$2000.00} credit on the wrong account that is closed now. The second person advised they were still working on my dispute and nothing had been done yet and I needed to wait longer. AGAIN, I have received another statement for the account ending in XXXX and I now have a {$2000.00} credit balance that should be refunded to me or applied to the correct account XXXX. PLUS, I am paying interest on the balance I am carrying and it is wrong since the {$2000.00} payments made are not credited. Could someone help me please???????????? Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I noticed an unauthorized XXXX transaction to a XXXX of {$300.00} on my chase account. I called chase claims and reported the transaction, they asked me all the questions they are required to ask and said within 10 business days I would get a decision or temporary credit. On XX/XX/XXXX I received a letter that they were not going to refund my money and they couldnt do anything because the transaction was authorized through XXXX  and it was out of their jurisdiction. I tried to call chase to dispute because I did not send this money! Chase told me it was out of their hands and that I had to call XXXX claims and they gave me a number that didnt even work, nobody answered and I ended up speaking to nobody. I was left discouraged, sad, and frustrated because that was literally my last {$300.00} I needed that money desperately. I dont know any XXXX XXXX I dont have any XXXX in my phone book, and I dont have any conversations with an XXXX in my texts either. I have been receiving various scam texts and texts and calls from weird numbers that I do not answer ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
IVE TO PAY MY CAR NOT AND THEY'VE THE AUDACITY TO LOCK MY ACCOUNT AS A CONSUMER YALL Dont HAVE NO RIGHT TO CLOSE ANYTHING OF MINE. 15 USC 1681. YALL ARE REALLY XXXX ME OFF BECAUSE IVE STUFF IVE TO PAY. WHAT IS SUSPICIOUS LIKE HOW ARE YALL GON NA DICTATE MY ACCOUNT. YALL NOT FOLLOWING NO FEDERAL LAWS AT ALL.

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