vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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: SC

Complaint narrative:
Specialty consumer reporting companies collect and share information about your employment history, transaction history with a business or repayment history for a specific product or service. 
The information specialty consumer reporting companies collect depends on the reporting company and its specialty industry. 

++ NO REPORTING ON THE BELOW ++ ++WITH OUT MY CONSENT ++ Opening or using bank accounts ( including bounced checks or overdrafts ) Apartment rental payments Car insurance claims Homeowners and renters insurance claims Employment Medical records or payments ++ DO NOT SHARE ++

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 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/23, a balance transfer was made from XXXX XXXX to Citibank for {$3500.00} with a balance transfer fee of {$170.00}, posted on XX/XX/23. That balance transfer never went to my XXXX XXXX account. On XX/XX/23, I did a chat with Citibank online explaining the transfer balance never went through to my account, and I provided the last 2 digits of the card as requested, I was told it does not match. Again, I explained it went to the wrong account. Citibank Rep. tried to cancel but the check cleared and couldn't be cancelled I then informed Citibank Rep I'm not paying for a transaction that I never received Citibank stated they understood. I had an online chat on XX/XX/23 & XX/XX/23 regarding the same issue, still not resolved. Citibank open up a dispute claim dated for XX/XX/23, XX/XX/23 and recent XX/XX/23, I received a letter from Citibank telling me proof of electronic payment has been sent to XXXX XXXX products so they can credit the balance to the correct account as of XX/XX/23 this has not taken place. I received the separate cover notice via email on XX/XX/23 with the transaction Id # showing proof of payment sent on XX/XX/23 but as per XXXX XXXX and my bill statement this transaction did not post to my account. I called Citibank on XX/XX/23, XXXX, XX/XX/23 and XX/XX/23 given them the same info they requested nothing was corrected. I even tried on XX/XX/23 with online chat but since I closed my account because of this Rep was unable to provide 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 explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Loancare is my mortgage company. They put in a COVID 19 partial claim on my behalf to help me come current. Its reflected with the VA as being sent to them in XXXX of XXXX. They never told me the partial claim was denied. It was denied because it was signed wrong. They never tried to get my claim resigned. In the meantime I made payments started like they said should be done on the partial claim. I made payments from XXXX of XXXX till XXXX or XXXX of XXXX and was informed that I couldnt make a payment, and not to attempt to make a payment bc my mortgage was in another partial claim. This went on until I think XXXX. Signed papers again for a partial claim modification, which I got duped into a 6.75 % interest rate with {$2200.00} payment a month, thats up from 2.75 % interest and {$1700.00} dollar payment. They never once tried to fix the partial claim that would have helped me and now act like they dont want to fix it to reflect the back amount owed that the VA will cover which is {$24000.00} and some change. I just want this company to come clean and do whats right. I couldnt help but default on the loan to begin with because of covid.

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 2023-05-30 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:
XXXX XXXX XXXX add comments to my credit profile regarding loan modification service which I participated in under the Cares Act. In addition, XXXX has consistently reported inaccurate and inconsistent payment statuses across the 3 different credit bureausXXXX XXXX  is in violation of FCRA. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 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.

4. 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 2023-05-30 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: IL

Complaint narrative:
XXXXXXXX XXXX  XXXX add comments to my credit profile regarding loan modification service which I participated in under the Cares Act. In addition, XXXX has consistently reported inaccurate and inconsistent payment statuses across the 3 different credit bureaus. XXXX is in violation of FCRA. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 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.

4. 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 2023-05-30 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: IL

Complaint narrative:
XXXXXXXX XXXX  XXXX add comments to my credit profile regarding loan modification service which I participated in under the Cares Act. In addition, XXXX has consistently reported inaccurate and inconsistent payment statuses across the 3 different credit bureaus. Shellpoint is in violation of FCRA. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 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.

4. 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 2023-05-30 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX add comments to my credit profile regarding loan modification service which I participated in under the Cares Act. In addition, XXXX  has consistently reported inaccurate and inconsistent payment statuses across the 3 different credit bureaus. Shellpoint is in violation of FCRA. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 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.

4. 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Last year I moved out of my apartment and received my security deposit from the leasing company via check totaling {$1700.00}. I had just recently created a Chase checking account and decided it would be best to deposit the check into the new checking account to ensure I had funds in it. I did so via mobile deposit on my phone. About a month or so later, I received a letter in the mail from Chase bank notifying me that they were closing my bank account and holding onto the {$1700.00} of the security deposit. After several attempts to understand the situation, by both going into a local branch and calling several Chase phone numbers, I was told that the check had to be verified by the landlord/leasing company ( XXXX XXXX XXXX XXXX XXXX XXXX . I provided all the numbers my leasing company shared with me, but Chase would not accept any of them. I then asked if they would just return the check to the leasing company ( check writer ). That way the leasing company could then void this check, write me a new one and I could cash it directly with their bank ( XXXX XXXX ). However Chase Bank said they would not do so. They would continue to hold onto the money until it was verified, however every phone number I provided for the writer of the check they would not accept. I asked the leasing company ( XXXX XXXX XXXX XXXX XXXX XXXX ) if they would be willing to go to a branch with me to verify. I provided all of the information that Chase said would be needed : 1 ) Proof of ownership of the business ( ex : certificate of the LLC or Inc ). 
2 ) Proof that the check was written by the business owner ( ex : business checks have a receipt at the back of a checkbook or a letter from the account that has all necessary information ( date, amount, check number ).

3 ) ID ( 2 forms ) ( ex : drivers license, debit card, passport ) The management company who sent me the check replied with the following " We are the property management company for XXXX XXXX XXXX, we do not own this property. Please ask your bank what they actually will need from me. '' Although I had provided that to them. 

It seems that the management/leasing company who has changed their names several times doesn't have a phone number that Chase will recognize. And given Chase won't cancel the check/return to the funds to the leasing/management company and the management company will not take any further steps to address the issue ( their last communication to me was I just have to deal with the bank because the {$1700.00} was pulled out of their bank account already ), I'm at a loss on how to proceed. Chase will continue to hold onto the money and give it back to the state as unclaimed funds although I keep attempting to claim them, but they will not accept my efforts to do so. Any assistance would be greatly appreciated. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I gave XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020. 2 days later while reading through my discharge paperwork and online patient portal, I discovered that there were several big discrepancies. The hospital had written down that I gave XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The hospital also listed that I had a history of XXXX during my XXXX when in fact I have never been diagnosed or treated for XXXX. I brought this to the attention of the hospital who apologized and had me sign documents to have my medical records redacted and corrected. Prior to XXXX  I was quoted {$750.00} for my deductible after insurance. I was instead sent a bill for over {$5000.00}. I called the billing department and asked for an itemized statement to confirm that I wasn't charged for anything related to treating a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and if I was charged for anything related to XXXX. I also asked why I was misquoted. The billing lady said she would look into but instead never got back to me and instead sent my bill to collections. Now this debt collection company reported this on my credit report 5 months ago without any written documentation ever sent to me beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hard inquiries On my credit file that I did not authorize. I do not have accounts with these companies nor did I request to have a hard inquiry pulled by these companies. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hard inquiries On my credit file that I did not authorize. I do not have accounts with these companies nor did I request to have a hard inquiry pulled by these companies. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This complaint is for TransUnion Accounts in dispute XXXX ( what appears on my credit report ) XXXX ( I dont have the complete number account ; this is from a letter I received from XXXX XXXX XXXX Im writing regarding the account with XXXX XXXX XXXX On XXXX I purchased a property located at XXXX XXXX XXXX XXXX XXXX  However, I did not live in the property, as I rented the property. My address since XX/XX/XXXX, is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX My identity was used to opened accounts fraudulently without my authorization using the address at XXXX XXXX XXXX XXXX XXXX. Ive been a victim of identity theft, my identity was used to open accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. I dont know the exact year in which the accounts where opened. 

When I contacted XXXX XXXX, they transfer me to the department of collection. They say they can not remove the account from my record because I made payments using a XXXX  XXXX XXXX account. However, the fraud department of XXXX XXXXXXXX XXXX carried out an investigation and has resolved to close the accounts under name as they were opened fraudulently. In the same way the fraud department of XXXX XXXX did an investigation and deleted the accounts as well. 
Ive tried several times to contact XXXX XXXX, I sent them a copy of the identity theft police report, my apartment contract, and my utility bill. Yet XXXX XXXX refuse to delete the accounts from my credit report. 

Im requesting the XXXX XXXX accounts to be removed from my credit. Im attaching the police report, my apartment contract, my ID and SSN.

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 2023-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank is suing for time bard debt and every time I file a complaint with the CFPB they respond that it is in pending litigation which is actually my 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 2023-05-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This complaint is for experian Accounts in dispute XXXX ( what appears on my credit report ) XXXX ( I dont have the complete number account ; this is from a letter I received from XXXX XXXX XXXX XXXX writing regarding the account with XXXX XXXX XXXX On XXXX I purchased a property located at XXXX XXXX XXXX XXXX, CA. However, I did not live in the property, as I rented the property. My address since XX/XX/XXXX, is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. My identity was used to opened accounts fraudulently without my authorization using the address at XXXX XXXXXXXX XXXX XXXX, CA. Ive been a victim of identity theft, my identity was used to open accounts with XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont know the exact year in which the accounts where opened. 

When I contacted XXXX XXXX, they transfer me to the department of collection. They say they can not remove the account from my record because I made payments using a XXXX XXXX XXXX account. However, the fraud department of XXXX  XXXX XXXX carried out an investigation and has resolved to close the accounts under name as they were opened fraudulently. In the same way the fraud department of XXXX XXXX did an investigation and deleted the accounts as well. 
Ive tried several times to contact XXXX XXXX, I sent them a copy of the identity theft police report, my apartment contract, and my utility bill. Yet XXXX XXXX refuse to delete the accounts from my credit report. 

Im requesting the XXXX XXXX accounts to be removed from my credit. Im attaching the police report, my apartment contract, my ID and 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 explanation
Consumer complaint received 2023-05-30 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: FL

Complaint narrative:
Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. After sending complaints here in CFPB these negative items are still reporting and my complaints have never been resolved. I am asking an assistance to REMOVE these fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have had issues with Equifax specifically not showing or reflecting updated or current information. For a long while they had my incorrect birthday, that was properly fixed and My other 2 bureaus XXXX, XXXX show all accounts properly. In total its around 10 or 11 accounts that should be reflecting on equifax report. Its only showing 3 accounts which 2 are open accounts but the other 8 or 9 have not reflected or updated on report since around mid XXXX. Please understand Most of these accounts have been open for years so they are not new accounts. It is really causing a major inconvenience and I am up for a mortgage soon so needing to get this rectified immediately.

Company response to consumer: Closed with explanation