vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

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 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 a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

XXXX XXXX Account open for more than 6 years, I contacted the creditor requesting a copy of my contract and payment history, they have no clipping of my name or the account I have requested an investigation by the agency for more than XXXX opportunities EXPERIA credit, which has not solved the problem of the elimination of the late payment or the elimination of the account completely. 

XXXX XXXX This creditor submitted late payments in the pandemic period of XXXX and XX/XX/2020, I contacted the creditor and they informed me that they would not make any report, I have litigated this late payment for more than 1 years with the Experian agency and without elimination results of late payment since it includes the federal mandate that no vehicle agency could report late late in the pandemic period. 

Also none of these accounts are reported in the other credit bureaus, only EXPERIAN failing to comply with a truthful and correct investigation keeps them in my records, for more disputes and tests that I have submitted.

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 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TN

Complaint narrative:
I called them to try and pay off my debt. I was going to pay off XXXX XXXX I asked for a receipt for proof of payment and remaining balance and they told me no. I asked why the keep increasing the balance and they could not give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: AZ

Complaint narrative:
I sent a letter on XX/XX/XXXX XXXX XXXX. Here is the Tracking number XXXX, to Transunion tracking number XXXX. I sent a second letter on XX/XX/XXXX tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information 's. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?

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 2023-05-11 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX Balance : {$270.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-05-11 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: GA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX  XXXX Balance : {$560.00}, XXXX XXXX XXXX Balance : {$270.00}, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRINITY HOPE ASSOCIATES
State: NC

Complaint narrative:
Trinity Hope associates called me and told me I had an unpaid medical debt they were servicing, I informed the company I was unaware of the debt and asked for a bill as I had not received one, they sent me an email of the bill, I told them that I will be paying the bill by Friday this was on Wednesday XX/XX/2023 they then called me back an hour later in which I ignored the 1st call they immediately called again I answered to them urging me to pay the payment that day so it wont go on my credit insinuating it will be very soon could be midnight tonight even though this is a medical bill under {$500.00} which is not reported on credit any longer, I told them again I would be paying the debt on Friday. Now, today they have called me again left another voicemail urging me to call them back to make a payment though I had already told them multiple times I would pay the debt on Friday. Looking at my missed and ignored calls I have a total of 6 calls in from this company in 2 days 3 in which were after I had already spoken with them and advised them of my decision.

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 2023-05-10 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On my XXXX credit report there is an open American Express account with an outstanding balance of XXXX dollars which i have no idea what this is, i called American Express and they said i dont have any open accounts with that amount, i have never received anything on the mail or by email, i opened a dispute with XXXX and they said the information is accurate but American Express does not see anything in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I am writing to file a complaint against Caine & Weiner regarding their violations of the Fair Debt Collection Practices Act ( FDCPA ). The collection agency in question has added a debt to my credit history without any agreement or written authorization from me. 


Despite my request that they return the alleged debt to the original creditor, the collection agency has continued to pursue collection activities against me, which I believe is a violation of my rights under the FDCPA. I have also requested debt validation, as is my right under the FDCPA, but the agency has not provided me with any proof that I owe this debt. 
I believe that this collection agency has violated several provisions of the FDCPA, including but not limited to : 1. 15 U.S.C. 1692e ( 2 ) ( A ) - falsely representing the character, amount, or legal status of the debt 2. 15 U.S.C. 1692e ( 5 ) - threatening to take any action that can not legally be taken or that is not intended to be taken 3. 15 U.S.C. 1692e ( 10 ) - using false representations or deceptive means to collect or attempt to collect any debt 4. 15 U.S.C. 1692f ( 1 ) - using unfair or unconscionable means to collect or attempt to collect any debt I am requesting that the CFPB investigate this collection agency for their violations of the FDCPA and take appropriate action to ensure that they cease all collection activities related to this debt and that they correct any negative reporting on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was charged for forced place insurance and property taxes of {$7000.00}, which went into default and then foreclosure. I had already paid the insurance and taxes they finally acknowledged ; however, PHH received {$8200.00} from the XXXX relief fund. Yet they refuse to issue me a refund. I paid my insurance and taxes ; they state that XXXX paid it then XXXX relief was also paid ; then how do I get assistance? Because of my age, I can't get assistance from the company. 

XXXX XXXX  PHH Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I started XX/XX/2023 disputing the incorrect display of my name and address to XXXX and Experian. They sent back a stall letter but never corrected the information on my accounts.

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 2023-05-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When I opened a business checking account, the Chase banker offered the credit card. I initially declined until she said its beneficial for separating business expenses for tax purposes. 
I did not hear back from Chase for quite awhile until they asked me to submit our XXXX. I did. Th ey asked me for a bill. Living in a military base does not give me a utility bill, which I explained to chase. 
On XX/XX/XXXX, I asked about the application. I was told I needed to submit my chase bank statement. I called. A second time because Chase never gave me information on how to send the document, the fraud agent told me to fax the document. I informed him I dont have a fax machine. He hung up on me. I called the 3rd time, the 3rd fraud person told me he will send a link. I told the person I spoke with I do not want another credit check. Then, Chase, though my personal account, notified me that a credit check was done on me for the 2nd time in 2 months that same afternoon. They never actually asked me if I wanted another credit check done on me. 

Today, XX/XX/XXXX, I spoke with the Chase credit bureau specialist, XXXX, who told me they are authorized to do multiple credit checks at their discretion, by the credit bureau, even if I expressly did not give my consent. 

This is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
I reserved XXXX  XXXX property In Florida the day I was to check in I had a death in the family. I requested a refund it was sent. I have proof it was sent to my bank. They will not release the funds back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd
State: IL

Complaint narrative:
Dear Consumer Financial Bureau, I am writing to file a strong complaint regarding the recent closure of my account with Wise. I reported to Wise about a scam that had happened to me a few days ago, but instead of taking appropriate action to resolve the issue, they closed my account without providing any reason. 

As a customer, I believe it is my right to be informed about the reason behind the closure of my account. I have not engaged in any fraudulent activity or violated any of the terms and conditions of my account, and I am deeply concerned about the sudden and unexplained closure. 

I am extremely disappointed with the lack of communication and support from Wise during this incident. As a financial institution, they have a responsibility to protect their customers and help them resolve any issues that may arise. Instead, they have chosen to close my account without any warning or explanation, which has caused me significant inconvenience and frustration. 

I urge you to take immediate action and demand that Wise reopens my account as soon as possible. I expect a timely and satisfactory resolution to this matter, and I hope that Wise will take steps to ensure that this kind of situation does not occur in the future. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
I am writing to file a complaint against Hunter Warfield regarding its violations of the Fair Debt Collection Practices Act ( FDCPA ). The collection agency in question has added a debt to my credit history without any agreement or written authorization from me. 

Despite my request that they return the alleged debt to the original creditor, the collection agency has continued to pursue collection activities against me, which I believe is a violation of my rights under the FDCPA. I have also requested debt validation, as is my right under the FDCPA, but the agency has not provided me with any proof that I owe this debt. 
I believe that this collection agency has violated several provisions of the FDCPA, including but not limited to : 1. 15 U.S.C. 1692e ( 2 ) ( A ) - falsely representing the character, amount, or legal status of the debt 2. 15 U.S.C. 1692e ( 5 ) - threatening to take any action that can not legally be taken or that is not intended to be taken 3. 15 U.S.C. 1692e ( 10 ) - using false representations or deceptive means to collect or attempt to collect any debt 4. 15 U.S.C. 1692f ( 1 ) - using unfair or unconscionable means to collect or attempt to collect any debt I am requesting that the CFPB investigate this collection agency for their violations of the FDCPA and take appropriate action to ensure that they cease all collection activities related to this debt and that they correct any negative reporting on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Brett M. Borland, P.C.
State: TX

Complaint narrative:
I broke a lease agreement with XXXX XXXX XXXX XXXX After some back and forth, they determined this to be an uncollectable debt and they issued a 1099. They originally sent a 1099-misc, indicating I had received a {$17000.00} payment from them. I notified them that they should have sent a 1099-c ( notice of debt cancellation ) and they assured me that they would send me the correct form to indicate they " gave '' me over $ XXXX. Of course, they didn't " give '' me any money. They " gave '' me this money in the form of debt forgiveness. Both my XXXX and XXXX reports indicate I owe them the money that they " gave '' me, which is now considered taxable income for 2022.XXXX XXXX is aware of this, but now the Law Office of Brett M Borland is not only harrassing me, but my friends as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: IL

Complaint narrative:
Today XX/XX/2023 I got an alert that my credit score dropped XXXX points due to Equifax illegally and incorrectly reporting information to my credit report. My report states that my accounts are included in bankruptcy and they are NOT! My student loans have been current for YEARS!!!!!!! I contacted XXXX who states they reported my account current! and that this is Equifax 's fault. I will be reaching out to my bankruptcy attorney as well to let them know of this illegal activity!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
I was taken by XXXX to XXXX ( AZ ) XXXX XXXX on XX/XX/XXXX for a XXXX XXXX XXXX and remained there for a week. On or about XX/XX/XXXX I received an invoice from a billing department or company saying they represented XXXX XXXX XXXX I have XXXX and XXXX. The bill was for a total of {$45000.00} The form stated I owed a balance of {$1300.00}, which was a surprise. I tried almost immediately to determine the basis for the {$1300.00} and never got an answer. Instead, fromXX/XX/XXXX through today I was contacted in writing by six ( 6 ) different debt collectors, each demanding the name amount. Each time I wrote a letter demanding to know how the debt amount was determined. None of the debt collectors responded. Instead a new debt collectors showed up. A few months ago I opened an account on XXXX XXXX and was horrified to see that a debt collector by the name of Central Portfolio Control posted a collection for {$1300.00} to by XXXX credit report with a new date of " Opened XX/XX/XXXX'' - more then 4.5 years after the last date of last action. There is no address listed for the company on XXXX XXXX. Three times using the dispute function I disputed the debt with XXXX. The only replies were verified by creditor. Besides this being a surprise bill from XX/XX/XXXX, both XXXX and Central Portfolio Control are intentionally mistating the date of the alleged debt and intentionally harming by credit record and XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
I had XXXX unauthorized charges taken from my Chime account which is run by XXXX bank on XX/XX/2023 that total to {$720.00}. It clearly states in my account where they were taken at which is XXXX XXXX I called Chime right away to start a dispute. The transactions were still pending at the time and could have been cancelled but Chime did nothing to help me. They asked me a few questions for the dispute, and then I got an email a few days later saying that they would not reimburse me that I was liable for these charges that I did not authorize and I now have to try to get the money back from the store that the purchases were made, which is XXXX store # XXXX in XXXX New York. I called the store and they will not help me. They told me to file z police report, so I filed a police report to help with this process as well. Chime is a member FDIC and my money should be protected while it's in their possession. They are doing nothing to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: FL

Complaint narrative:
Dear Synovus, you are facing civil penalties. As dated XX/XX/2023, In addition, please see attachments. XXXX XXXX All Rights Reserved.

Company response to consumer: Closed with explanation