vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-27 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:
In accordance with the Fair Credit Reporting Act XXXX  Accounts, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-03-27 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Accounts, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-03-27 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Accounts, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
You need to adjust my credit score based on this fraudulent credit card XXXX XXXX. 

Based on the recommendation of XXXX XXXX, I applied and was approved for a credit card woth XXXX  XXXX. The first month I went over the limit XXXX XXXX deducted my credit score by XXXX points. 

However, my first payment was due on XX/XX/XXXX, XXXX XXXX XXXX called and harrassedy phone on XX/XX/2022. 

I said my payment is due on XX/XX/2022. Then I hung up the phone. That same day, I made a payment of {$79.00}. No one bothered to adjust my credit score for that. 

With that said, I'm going to pay that card off in XX/XX/2022, send a copy of this email and report this company to the Consumer Financial Protection Board, and my Congress members. I want to let them know how consumer 's are being treated in regards to credit. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I'm client from BB & T for more 10 years. I was on forebance plan for 12 months. But before the 12 months expires ( around 4 months early I received a letter from loan modification about to refinance my existing loan ) I called the bank and told I'm under forebance program. They told me : That letter was a mistake, You suppose to not receive that kind the letter, that department didn't have a accurate information about your loan. They told me throw the letter away. They will send me a new package ( payment deferral agreement ) and need to signed and get back to them. So I did. 
And they told me to keep doing my payments. So I did, too. 
But last week a received a other letter from Truist Bank, saying You mortgage account is in default .Loss mitigation is going to start foreclosure process. I call them again, phone call took almost 2 hours. My wife and I found a big problem inside Truist Bank and Truist Branch. They have a bad communication between different departments. I have my receipts ( mortgage payment ) from the last 6 months ( around XX/XX/XXXX through XX/XX/XXXX ). I did mortgage payments on the Branch, BUT the Branch never applied the payments to the mortgage. For loss mitigation department looks I didn't make any payments. 
But they told me the bank have the money on HOLD. There was a mistake between mortgage department and Branch. Mortgage department blame that Branch. The Branch blame mortgage department. But the end the client pay all the mistake. 
Now I got the letter from them saying You didn't make the payments. 
Start the foreclosure process. 
And the end of phone call nobody solve my problem and told me they will TRY to fix their mistakes. 
Right now I'm frustrated with all this situation.

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 2022-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I received phone calls everyday from XXXX to XXXX est from Midland credit in the entire month of XX/XX/XXXX. I explained to them that this is not my debt, to send me an itemized report. They demand to get my social security number, that I'm a thief, I'm going to jail, and finally that all my things are going to be taken away and I'm going to end up on the street. They called my job, my landlord and my family members harassing them. I never gave out numbers, so it's scary to know how they got it. I received a court date letter, with a thousand dollars added to the original amount they claim I owe ( XXXX due, original XXXX ). I do not owe Midland Credit any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
I received a demand letter from Medicredit Inc., on XX/XX/2022. Medicredit Inc., are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received any goods or services from Medicredit Inc., and I do not know how Medicredit Inc., received my private medical information. Medicredit Inc., does not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any type business and I have not agreed to pay/tender anything to Medicredit Inc. My HIPPA rights have been violated. 
I am not a party to any agreements that Medicredit Inc., may or may not have with XXXX XXXX. I have not agreed to pay/tender anything to Medicredit Inc. , or XXXX XXXX XXXX 
Medicredit Inc., and XXXX XXXX reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither Medicredit Inc., or XXXX XXXX are Holders in Due Course. Please Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i got a check from my grandma for my birthday for XXXX $ for this consle im getting and i went to go cash the check with my mom and the machine said error so i tried to cancel the transaction and it didnt work i didnt get my money nor did i get my check back i would just like to have my money back if possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I contacted experian and told them how I do not recognize an inquiry from XXXX XXXX  on my credit report. There is no account tied to it either, which should prove that it wasn't me. I contacted the parties to get it removed with no luck. 

Customer support at Experian was no help. Please remove.

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 2022-03-27 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: IN

Complaint narrative:
I contacted Transunion to remove a few hard inquiries that was not made by me! 

The customer service department refused to. 

The inquires that need to be removed are : XXXX XXXX, XXXX XXXX, AND 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 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I filed bankruptcy in 2019 it was discharged in 2019, XXXX XXXX  was the issuer of a XXXX XXXX XXXX  I included. They were notified all was fine. A week ago check my credit report and see they flagged the old card ( numbers math ) as They I filed bankruptcy this XXXX XXXX and I did not. I will be filling against Experian because I called court and was told XXXX should have had to provide a case number before this hit my report. I have hard to rebuild credit and it has dropped my score XXXX points. I called XXXX they gave me a fax number it did not work invalid called again got fax number and address fax number again don't work address is no where close to to where this bank is at. 
I have include all documents I can

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 2022-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I mailed letters to XXXX advising them that. As a consumer by law these accounts on this letter must be deleted immediately ''. I only received a response when filing a complaint here, these accounts still have not been removed. I have also previously asked these bureaus to update incorrect addresses and names listed on my report and they have failed to correct this as well. As requested I want these removed now. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to an attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or alleged credit grantor can act as a debt collector.

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 2022-03-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I mailed letters to XXXX advising them that. As a consumer by law these accounts on this letter must be deleted immediately ''. I only received a response when filing a complaint here, these accounts still have not been removed. I have also previously asked these bureaus to update incorrect addresses and names listed on my report and they have failed to correct this as well. As requested I want these removed now. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to an attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or alleged credit grantor can act as a debt collector.

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 2022-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was sent a Chase ( Sapphire ) credit card without applying for it or requesting it. When I opened my Chase App on my phone ( I have a Chase Amazon credit card ) I saw a second account for The Sapphire credit card and a {$95.00} annual fee. 

I messaged them immediately to remove the fee and close the account as I did not authorize it. They closed the account but the fee still shows on the card. They said it would be 1 to 2 billing cycles before it dropped off. 

I wanted to report this unauthorized practice and request that the company be penalized for it. It caused me anxiety and cost me time I dont have to deal with this nonsense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SCA Collections, Inc.
State: VI

Complaint narrative:
I choose to dispute a false claim from SCA collections in regards to a claim of {$620.00}. The XXXX XXXX XXXX allowed me to dispute 3 accounts totaling the XXXX. I was given an account number from SCA to pay the bill however the account number given is not valid. I need a dispute letter from XXXX so I can proceed to contest this payment and set my credit record free. Thanks for your help pertaining this 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 2022-03-27 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: GA

Complaint narrative:
On XX/XX/2022 I mailed letters to Equifax advising them that. As a consumer by law these accounts on this letter must be deleted immediately ''. I only received a response when filing a complaint here, these accounts still have not been removed. I have also previously asked these bureaus to update incorrect addresses and names listed on my report and they have failed to correct this as well. As requested I want these removed now. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to an attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or alleged credit grantor can act as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: PA

Complaint narrative:
My Mortgage company escrows taxes to be paid. 
We have faxed and send the bill to them as per there instructions as soon as we receive it And they have not been paid. We have received a notification from the county that our house may go up for sheriffs sale. The tax bill was faxed to them on XX/XX/XXXX. The tax bill was mailed to them on XX/XX/XXXX. The sheriffs notice was received on XX/XX/XXXX. I called them and cant reach anyone to help us to find out why the bill is not being paid. My statement shows that the money for the taxes is in escrow. The same incident happened last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have contacted Navient multiple times advising them that I had not cosigned on XXXX different loans held by a XXXX XXXX. I have requested the fraud form from them numerus occasions and have still never received such a form. I had contested the items with the credit burros who one of the main three has found enough evidence to remove the reporting to my credit. XXXX is my ex-wife who had asked me at one point to cosign in which I said I would not as all bills were covered and she had federal school loans that covered her schooling. I have advised Navient that I was on Military orders when she signed my name to the first loan and also offered to provide said orders to them proving such. This loan was taken out XXXX in the amount of {$6000.00}. I have also informed them that I filed for divorce from XXXX in XXXX of 2012. Navient also allowed XXXX to open XXXX more loans with me listed yet again as a cosigner. The second loan for {$5000.00} was taken out XXXX, This timeframe I was again on military orders and no way was available to sign any paperwork, this too has been conveyed to Navient with no resolve. The third loan was taken out in the amount of {$5000.00} on XXXX, at this time XXXX was not living at my residence as I had asked her to leave and filed for XXXX. During the XXXX  none of these loans were disclosed to me and I had no knowledge of them until years later when I attempted to buy a new vehicle and they said no because of the debts. I have since filed to press charges on her with the Michigan XXXX  XXXX  and a report has been made. Navient has also been informed of this report and given the report number. Navient still refused to remove me from the loans and also failed to present any loan documents containing my signature. Subsequently I have found out that they allowed XXXX to complete all the loans online and signed a digital signature without asking to provide any of my identification or speaking to me as well. I am not sure where else to turn to have this removed from my credit fully and not be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
In XXXX of XXXX I leased a car through XXXX XXXX XXXX. Made all my payments on time and did everything I had to. In XXXX of XXXX I was informed that my lease had been acquired by XXXX. In XX/XX/XXXX after having a few issues with XXXX I decided to initiate the 2 week notice clause in my original terms. Because of incompetence from XXXX  and XXXX XXXX  it took longer than two weeks and I kept most email records and phone logs of my attempted communications with the. I kept on them and finally was able to be told where to drop the car off and that payments would cease. Because of XXXX  questionable management and potential malicious ineptitude I kept several communications saved along with names and numbers of supervisors I spoke to and a digital copy of the form showing I returned the car the vehicle on XX/XX/XXXX in case they ever tried to turn around and say owed anything else. I followed up and checked the payment portal and was told I did not owe anything and my access to the portal was closed because my account was closed. I kept the emails and the payment portal emails stopped in XX/XX/XXXX and the final correspondence I ever got was an email that vehicle maintenance was due in XX/XX/XXXX for a vehicle I returned in XXXX. The terms of the lease were held and I never heard anything else from XXXX. Today XX/XX/XXXX I get a credit notification that a negative report that I owe {$3500.00} to Recievables Performance. I have never heard of that company, and I dont have any unpaid debt so I did some research online and found out the info about former XXXX XXXX customers being sent unsubstantiated collections requests. I fully believe Receivables Performance is trying to collect a false debt that I was never even informed of until I got a credit monitoring report showing my credit score has plummeted XXXX points. I saw on some online forums that the consumer finance board should be informed and potentially hire an attorney. As stated I have emails, photos and digital proof I returned that vehicle and owed further debt on it.

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