vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
OVERTON RUSSELL DOERR DONOVAN Threatened with a judgement, pretending to represent the hospital. I agreed to pay the amount in full with the understanding that they will not negatively impact my credit. I paid the debt in full and shortly after that they reported to credit bureaus with all derogatory content. They never provided me proof of debt, neither did they show me original paperwork with my signature. They never told me what my rights were. They operated on trickery and did not hold up their end of the bargain. I wrote them a letter when I discovered what they did but got no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: GA

Complaint narrative:
I filed a dispute with Transunion and they sent back my information ( see attached ) with XXXX XXXX XXXX XXXX XXXX Report at the top and my information XXXX XXXX. 

I contacted a XXXX through the Chat and she indicates XXXX 's name is not on the report, which it clearly is, and my info on the dispute and she seems to think that ok, as if we can go on the same report. XXXX XXXX XXXX and XXXX XXXX XXXX are two different people and XXXX should be fired as she really doesn't get that this is illegal mixing us up. 
They say its because we use the same email, but really? Many people do!!

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 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have a substantial amount of money on my card but for some reason American Express serve has a limit on my money that I can spend. Its my money and not a credit card. So every single month I have to go a week to 10 days with no access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
According to Consumer Rights Under the ECOA, the primary right consumers have under the ECOA is to receive a response on their application favorable or unfavorable within 30 days of receiving the application and if the application is denied, receive written notification of why it was denied. In our case, we submitted an application on XXXX for the refinancing of our primary residence over the telephone with a NewRez LLC Mortgage Consultant ( Evid : initial disclosure ). Our application was denied in writing, dated XXXX but received XXXX. Their mailing envelope has an internal postmark date of XXXX when it left the building and is included in the attachments. We received the rejection via US mail on XXXX or 51 days from the date of our live application, precisely 21 days past due. This excessive time delay has hampered our ability to timely seek out other mortgage companies offering comparable rates amid fast rising interest rates. Please note our credit scores are over XXXX. Our primary residence that we are refinancing has quadrupled in value over the 25 years we lived in our home. We also own XXXX investment properties with significant equity. The mortgagor, NewRez LLC, holds one of our investment property loans. The loan processor was delayed in requesting all documentation. Further note that communications and transfer of documentation was performed via telephone, email and via their online portal. 


Files Uploaded : 1. NewRez XXXX XXXX ( zip file ) 2. NewRez late communication received XXXX requesting documents 3. Applicant 's email to Mortgage Consultant on XXXX requesting response on loan status 4. NewRez Late Rejection letter received XXXX ATTENTION : NewRez late request for documentation sent via USPS dated XXXX and received XXXX is uploaded here. We responded by sending three ( 3 ) emails on XXXX with our documentation. We further communicated the lateness of their request and failure of their portal to collect data. This evidence is critical for case evaluation. Since the EOAC portal for accepting documents is limited to XXXX, please provide an email to send files. 

Thank you, XXXX & XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TN

Complaint narrative:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I BENEFITED FROM THESE FRAUDULENT ACCOUNTS OR INQUIRIES

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 2022-04-26 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: IL

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  Account # XXXX, has violated my rights. 

LIST ALL ACCOUNTS HERE : 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  * Please remove all non-account holding inquiries over 30 days old. 
* Please add a XXXX XXXX to my credit file. 

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 an 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 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 2022-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations as this company is reporting an open account status but is reporting it as charge off repeatedly every month. 

I am demanding a deletion of the following account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations as this company is reporting an open account status but is reporting it as charge off repeatedly every month. 

I am demanding a deletion of the following account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations as this company is reporting an open account status but is reporting it as charge off repeatedly every month. 

I am demanding a deletion of the following account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Scratch Financial, Inc.
State: FL

Complaint narrative:
I opened a line of credit with scratchXXXX to take care of XXXX XXXX Originally the loan was opened for {$1500.00} but I was informed that I was approved for over {$6000.00}. Later it was determined that I did not need that much money for my dog and only {$430.00}. They did not adjust the monthly payment of the loan for this amount. I called them and they said I needed to speak with my veterinarians office but I explained that my vets office was not open and if I waited the bill would be late. The woman I spoke with said there is a grace period I didnt have to worry about the bill being late. I called my vet and they said said they would notify ScratchXXXX and I would get a new bill. I did not get a new bill. I was hit with a late charge and I did make a payment but they are telling me the amount is incorrect. Also, today I needed to use {$170.00} of the loan and they said I will have no trouble adding this amount to my loan. Later after my vet added the amount to my balance I received a call from the vets office saying they took it back. I called scratchXXXX and they said my loan is no longer valid as of XX/XX/22 and that I needed to apply again. I applied and they denied me the funds. I dont know what to do. This is not a significant amount of debt but I dont feel like this is how loans work nor do I feel that I am being treated fairly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America mortgage is reporting wrong information in all of the credit report I have dispute the balance on my credit report that caused my scores went down I am not late but Bank of America mortgage have increased my principal after weeks later so many complaints so many calls the problems still there.I paid my mortgage every month I dont miss payment so why my principal increased from {$79000.00} in my statement to {$81000.00} on my credit report when I disputed it why all three credits bureau told me to contact Bank of America mortgage I did for weeks they still not fixed the problem because the balance is wrong finally Bank of America mortgage told me I have a short in my escrow that may be the reason I the increased in my principal.I never anything like this my escrow monthly payment is {$520.00} and my principal monthly payment is {$220.00} a month and my escrow balance is XXXX so how they went put more than the balance said and also why put it in my principal and when question them they gave all kinds of stories but still not fixing my credit report problems with the wrong balance? 
I want Bank of America to fix it and report the real balance.

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 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email, text message, and call from Chase claiming that there was fraudulent activity on my account. I spoke to a representative and they claimed that someone had gained access to my account and attempted to XXXX themselves {$1000.00}. I was contacted by who I thought was a Chase representative with the Chase customer service number. They claimed they were trying to help me, but stole {$1000.00}. I have contacted Chase and they refuse to do anything to help me. I am a XXXX XXXX  who is now left in a negative balance. The XXXX was done within my account with NO AUTHORIZATION from me. I would please appreciate your help in resolving this matter. 
Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I called or messaged XXXX, XXXX and Transunion 6 months or so ago and requested that all addresses and telephone numbers that are inaccurate be removed from my profile. I was told by all XXXX that was not 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 explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I called or messaged XXXX, Equifax and XXXX 6 months or so ago and requested that all addresses and telephone numbers that are inaccurate be removed from my profile. I was told by all XXXX that was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I made a payment as advised independently of over {$300.00} plus to close out this account as advised. After making this payment I was denied having my account closed because they said that I was supposed to let them process the payment but, I told them it made no sense because the payment already was processed. Now I called because they are sending me statements to seek assistance with the balance since Im not working but, when I called the representative told me that I can not get any hardship assistance and I now owe a balance of {$230.00}. I start out with a card of XXXX XXXXXXXX {$400.00}. This company appear to be doing fraudulent transactions. I ask for a manager every time I call and they say that the manager is never available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/2022 around XXXX, I was using my PayPal account to make some purchases online. I noticed a subscription service that I no longer wanted so after finishing my purchases online I went into my account and decided to end the debit card associated with these unwanted purchases and order a new debit card. Immediately my account was permanently banned without warning and all my funds XXXX XXXX XXXX were locked to my knowledge indefinitely. After calling to speak with customer service they informed me that my account had been permanently banned for fraudulent activity and I had broken policy for using a XXXX  service while accessing my PayPal account and that it would have to be reviewed whether or not my account can be unlocked. The thing is I have received direct deposit to my account for the last 8 months from my employer. I have proven my identity to the PayPal representative and I have not done anything fraudulent. I have had my XXXX  active while accessing the account the entirety of the accounts life. Then, suddenly, without warning, I am breaking their policy and my funds are no longer accessible. Because of this my livelihood has been affected and my finances are pushed back weeks. When I got off the phone with customer service they told me to wait for an email explaining what the review on my account has decided and they have not emailed me at all. It has been 5 days since I was supposed to receive an email and I was told it would be no more than 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: WA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1881 Section 604 A Section 2 : I1 also states e consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681C. ( ) ( 5 ) Section States : no consumer reporting agency may make e consumer report containing any of the following items of information Any other adv Item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Inquires : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account : Account Number 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 2022-04-26 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: Avant Holding Company, Inc.
State: OH

Complaint narrative:
Throughout the months of XXXX and XX/XX/2022 I completed and submitted several applications for income-based senior housing with various facilities belonging to XXXX XXXX XXXX XXXX Most, if not all, of these applications included forms for Federal aid and required my Social Security Number to be written in multiple locations. In the last week of XX/XX/2022, I began receiving letters from various credit card issuers indicating that I had applied for credit accounts, of which I had not. I also received merchandise from an online retailer and a bill indicating that an account had been successfully opened using my information. Since then, I have discovered two additional accounts on my credit report that were opened fraudulently, one with XXXX XXXX XXXX and onXXXX with Avant. I submitted disputes with the XXXX credit reporting agencies and placed a freeze on my credit. I have contacted each of the credit card companies as the letters have come in to notify them of the fraudulent activity and have submitted a report with the Federal Trade Commission. 

Thus far, every organization has been cooperative, has invalidated any open accounts and ceased billing and reporting to the XXXX credit reporting bureaus with the exception of Avant Bank who continues to report that the account is mine. I have provided them with a copy of the Identity Theft report from the Federal Trade Commission and have submitted disputes with both XXXX and XXXX and on both counts, Avant persisted that the account was mine. I've reached out to Avant directly and they insisted that I provide a notarized affidavit and other documentation above and beyond what I have already provided and I refuse to submit to their predatory practices. I have already been sufficiently inconvenienced beyond reason by this experience and the account with Avant only exists because their organization failed to properly verify my credit information to begin with. Avant approved a credit application for an account that was applied for using a XXXXXXXX XXXX address that does not, and never has, belonged to me. I have lived in XXXX my entire life and that address could not have existed on my credit account at the time Avant recklessly approved the application. I will not be further inconvenienced because of this organization 's incompetence and inability to do due diligence in the same manner as XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX, all of which denied fraudulent credit applications that were applied for using my stolen SSN.

Company response to consumer: Closed with explanation