vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The XXXX XXXX has been notified of the issue I'm having with the Doctor I've given them the info of dental board complaint case number that being said I told them I didn't receive all services by this doctor but this company hasn't closed this account yet give me a balance due of {$1200.00} now it magically jumped to {$1900.00} ... .instead they are riding out time so they can keep charging me even though they said they would but it on a hold so not to have recurring fee but they adding fees to a bill which they admitted I've paid the doctor off already..but this doctor didn't do what he was Ethically Required to do I have given this company all the information and all the complaintBut they continue to stall so that they can make late fees and add money to this account instead of closing it outMind you I closed the account out once I had trouble with the doctor which was right away

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-19 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Last 4 of XXXX RE : Account Number I received notice that you verified certain items on my credit report from the following companies : 1. XXXX XXXX  XXXX 2. XXXX  XXXX 3. XXXX  XXXX XXXX 4. XXXXXXXX XXXX XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Supply your response within 15 days or delete the trade-lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: MS

Complaint narrative:
Last 4  of SSN:XXXX  RE : Account Number I received notice that you verified certain items on my credit report from the following companies : 1. XXXX XXXX  XXXX 2. XXXX XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX  XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Supply your response within 15 days or delete the trade-lines.

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 2023-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
The first time an collector called me regarding my account. She told me that this debt would increase and add interest and would negatively impact my credit. I asked her for detail regarding my lease and contract, and told her that this debt could not be increased and nothing in my contact stipulates that. She said that they can do that and will if I dont pay. They have increased my debt multiple times within the past two months and my debt was a rental collection, and i dont owe that amount to my original debtors. This is unfair and she use threaten language regarding my credit score decreases and have since decrease my score by raising the debt owe please origination amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
I am CONSTANTLY contacted by XXXX about a debt from over 12 years ago. It started in XX/XX/2022 and the most recent call Ive received was Sunday XXXXXXXX. I have asked them to stop calling me. They threatened to contact my employer, garnish my wages, sue me, have me arrested, and report this debt to the credit agencies. I do not owe this debt. They just want me to go to a website and start making payments. 

The harrassment is unbearable. Please help me stop this abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
My account was frozen with a balance over {$300.00}! When I asked why it was frozen they deactivated my account and refused to let me have the money in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit card or account was issued under my name. I have been having a fraudulent freeze on my credit and identity ever since 2020 due to me loosing my license and people using my identity to open accounts and credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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:
I disputed the accuracy and completeness of this account with the credit reporting agencies and the account was supposed to be reinvestigated by the furnisher and deleted if errors were found. I received an updated copy of my credit report and I still found errors with this account on my credit report. 

From my understanding this gives me a private right of action to file a claim under the FCRA with 15 USC 1681s-2b supporting my claim.

I believe I meet all the elements of an FCRA Claim and I have the standing to file arbitration if need be.

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 2023-02-20 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: AR

Complaint narrative:
When I checked my credit record, I discovered a lot of billing problems. Under the U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the accounts I found to be reporting erroneous information on my Credit File : XXXX  XXXX Balance Owed : {$380.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXXXXXX Balance Owed : {$6800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$10000.00}. In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct the inaccurate items information as quickly as possible.

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 2023-02-20 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: AR

Complaint narrative:
When I checked my credit record, I discovered a lot of billing problems. Under the U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the accounts I found to be reporting erroneous information on my Credit File : XXXX XXXX  Balance Owed : {$380.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX  XXXX Balance Owed : {$6800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$10000.00}. In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct the inaccurate items information as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: NC

Complaint narrative:
Disputed items on credit report as a result of identity theft / fraud with submitting an Identity theft report from the Federal Trade Commission. Items disputed were XXXX XXXX and XXXXXXXX XXXX XXXX XXXX has been removed but XXXX XXXX is re-appearing. These items have been removed twice now, and the original investigation has exceeded 30 days. If these items are going to continue to be removed, they need to be blocked as the law states. 

Please refer -- 15 U.S. Code 1681c2 states " Block of information resulting from identity theft. A statement by the consumer that the information is not information relating to any transaction by the consumer. '' The law requires the information that is a result of fraud to be blocked. This is the third time I've had to dispute this information. And the investigation process has exceeded thirty days. I will now be filing legal complaints with my state attorney general office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX again reduced XXXX from credit score and trying to bring Dawn my score every month. 
The XXXX and XXXX scores are not match 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
Consumer complaint received 2023-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
We had a Loan Modification, on our VA home loan, that started in XX/XX/XXXX with XXXX and in XX/XX/XXXX XXXX sold our loan to Carrington Mortgage. We stated we had the loan mod documents and have been paying on time and sent the documents. XXXX stated they sent the documentation as well and had Fax confirmation that Carrington received. 

Carrington stated not to worry as our documents were under review and they had us under forbearance until our account was updated on their end. Finally, in XXXX, they stated we have a better interest rate and to sign new loan modification which would start in XX/XX/XXXX, which we did. 

In XX/XX/XXXX, Carrington stated they had to return to the loan mod that XXXX had us sign. We contacted Loan Administration section of Loan Guaranty through the Department of Veteran Affairs, and XXXX finally had us re-sign again on XX/XX/XXXX, for the agreed amount starting XX/XX/XXXX. 

During the time that this was all in flux, we started making on time payments in XX/XX/XXXX to XXXX according to the loan modification. In XX/XX/XXXX we started paying Carrington. The only month we did not pay was XX/XX/XXXX, because they said no worries you are under forbearance and your new amount starts XX/XX/XXXX. 

We are still waiting for them to update our account with the correct payment information. Also, they reported to the credit bureau in XX/XX/XXXX that we have been 180 days late. After speaking with Carrington, they researched and told us they made a mistake, which they could not fix internally, and we had to report/dispute to credit bureaus in order to fix this. Reporting that we were/are 180 days late has caused both mine and my husbands credit ratings to plummet about 80 points each. 

This company has been giving us the run around ever since they took over our account last year. The false reporting has created a problem, we were planning to obtain a car loan but will have to wait for our scores to be corrected. This has caused undue stress and harm since Carrington Mortgage took over our VA home loan last year. 

We will be happy to provide additional information and documentation. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I was the victim of a crypto scam. The criminals posed themselves as investors and had me transfer money to XXXX. My intention was to transfer it back but it was stolen. This caused the business that I am a co-founder of go into the negative. Chase bank closed this account and I had no idea. They transferred XXXX of my personal funds into the business account after it closed without my authorization. I called chase bank to ask them to take off overdraft protection but they still allowed the account to be overdrawn. I had money in all of my personal accounts. On XX/XX/XXXX my cards stopped working and I called the bank. They told me that my accounts will be closed and a check mailed within 30 days with my balance and the companies debt would go to collections. All of my money was in chase. I am visiting XXXX and have no access to food, funds shelter etc. I went to a branch on XX/XX/XXXX and asked for money to be withdrawn. I was told that this couldnt happen. I provided the police report and FBI report with the crime I was a victim of. I was also told that my personal funds would be used to cover the debt of the business account and that I would be mailed a check for the remainder. I provided our company structure agreement to show that I am not the sole owner of this business and that I do not consent to my personal funds used to cover the business debt, the business debt needs to be settled separately. A letter from my lawyer has also been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Securus J Holdings, LLC
State: VA

Complaint narrative:
I set up a reoccuring monthly transfer on JPay for a family memory on XXXX XX/XX/2023. 

When I initially set it up a confirmation screen came up that confirmed {$33.00} would be charged to my account. This is this is the usual fee for this amount. Sadly I did not grab a screen capture of that confirmation and am now wishing I had. 

Now a day later when the actual charge came through the amount is {$36.00}. That is an an additional {$2.00} for this {$30.00} payment, which was set up as reoccuring. That is the only difference between this payment and all others I have sent. 

This is clearly over the stated rate of {$3.00}. After talking to the JPay customer service it turns out that EVERY reoccuring payment will have this additional fee and for what? Solely because the payment is reoccuring. The agent said it was in the terms and conditions. Well I went through the T 's & C 's and there is nothing in there about the additional cost. The site clearly states the fee for money transfers is {$3.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-19 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: TX

Complaint narrative:
I disputed the accuracy and completeness of this account with the credit reporting agencies and the account was supposed to be reinvestigated by the furnisher and deleted if errors were found. I received an updated copy of my credit report and I still found errors with this account on my credit report. 

From my understanding this gives me a private right of action to file a claim under the FCRA with 15 USC 1681s-2b supporting my claim. I believe I meet all the elements of an FCRA Claim and I have the standing to file arbitration if need be.

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 2023-02-19 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: MD

Complaint narrative:
The following accounts are on my personal credit report but do not belong to me and need to be removed immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19 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: NY

Complaint narrative:
Transunion, XXXX, and XXXX has repeatedly continue to report inaccurate information as verified which is a lie. My high balance on my credit report do not match. please review my credit report. Inaccurate information is not verifable. They are violating my rights due to 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. 

Delete these accounts from my credit report : XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : 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 2023-02-19 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: Rent Recovery Solutions
State: TX

Complaint narrative:
I disputed the accuracy and completeness of this account with the credit reporting agencies and the account was supposed to be reinvestigated by the furnisher and deleted if errors were found. I received an updated copy of my credit report and I still found errors with this account on my credit report. 

From my understanding this gives me a private right of action to file a claim under the FCRA with 15 USC 1681s-2b supporting my claim. I believe I meet all the elements of an FCRA Claim and I have the standing to file arbitration if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: Prince Parker & Associates
State: TX

Complaint narrative:
I disputed the accuracy and completeness of this account with the credit reporting agencies and the account was supposed to be reinvestigated by the furnisher and deleted if errors were found. I received an updated copy of my credit report and I still found errors with this account on my credit report. 

From my understanding this gives me a private right of action to file a claim under the FCRA with 15 USC 1681s-2b supporting my claim. I believe I meet all the elements of an FCRA Claim and I have the standing to file arbitration if need be.

Company response to consumer: Closed with explanation