vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: DE

Complaint narrative:
On XX/XX/XXXX, XXXX and XXXX XXXX sold house at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to private purchasers. On XX/XX/XXXX, {$940.00} was paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to pay the XXXX  bill and close out the account XXXX XXXX XXXX XXXX XXXX 

Since then, the new owners have converted the XXXX  system to electrical and removed the oil fired furnace from service. 

On XX/XX/XXXX, XXXX and XXXX XXXX received another bill from XXXX XXXX for a maintenance plan and interest for billing not being paid. I spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  said the account was closed back in the spring and we should not be getting billed. She submitted a transaction to XXXX  out the balance. We received another bill on XX/XX/XXXX, so I called her again on XX/XX/XXXX and was told again the account was closed and we owed {$0.00}. 

On XX/XX/XXXX, we received a notice that the bill was submitted to Sunrise Credit Services for debt collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We do not owe XXXX XXXX or anyone else for a maintenance plan for a house we do not own for a furnace that does not exist.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX IS XX/XX/XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX 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 a 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 of 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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry 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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from XXXX  of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXXXX/XX/XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Bank {$2400.00} Requested removal of this fraudulent account listed on my credit report. Discover bank failed to supply supporting documentation regarding their investigation. I requested a copy of the contractual agreement, account opening statement, information regarding the opening of this account name, address, phone number etc Discover bank failed to supply this information & is still reporting false information currently negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: PA

Complaint narrative:
On XX/XX/XXXX  I noticed there was {$1300.00} in an unassigned account. I immediately text Village Capital asking them to apply the {$1300.00} into my escrow account. They totally ignored my request and applied it towards my XXXX payment. Emails are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX  XXXX XXXX, I called Chime to dispute a charge. When I was able to talk to a person, he gave his name of XXXX XXXX. I told him I wanted to dispute a charge. At XXXX I began to see some activities happening on my Savings Account, and my checking account. By XXXX, XXXX XXXX  was removed and sent to the name above. I recalled Chime and this time I talked with a woman. At the start of the conversation, she knew that I was scammed. 
XXXX  I called Chime and was advised that my dispute was denied. 

So I must lose my money to a scammer, something that Chimes knows about this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to add a property that I own to my credit report 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 2024-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I was charged two payments of {$8900.00} for my loan repayment in XX/XX/XXXX. My total loan was only for {$8900.00} so I was supposed to be issued a refund. Since XX/XX/XXXXXXXX  it states " refund '' under EdFinancial account history, yet I have yet to receive a refund. I have attempted multiple calls and emails to EdFinancial trying to get information. They have not responded to any of my attempts and have given me no information. I would like to know in what form my refund will be issued ( check vs returning to my account ) and a timeframe that this will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
upon viewing my credit report i notice that there was an auto loan established in my name with santander consumer usa, this account was established without my consent and is the resault of fraud and id theft, i made several attempts to have this fraudulent account removed from my credit report todate, santander has not responded to my dispute request again i have not given anyone permission to establish this account without my permission this information is inaccurate and is in violation of the FAIR CREDIT REPORTING ACT 15 USS 168i

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I sent a {$50.00} XXXX to a friend, her bank doesnt use XXXX and my money should have been returned after 14 days back to my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliance One, Inc.
State: FL

Complaint narrative:
i checked my credit profile and noticed this company i have no relation to reporting negatively on my file. I have sent them letters by mail and not have recieved anything back, negative information still appearing on my credit report. please help this bad information is hurting my life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Procollect Services LLC
State: ND

Complaint narrative:
Previous complaint made and they made false accusations and are not claiming to their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2023 I applied for a role at JP Morgan Chase for which I was given an offer/employment contract on XX/XX/2023. JP Morgan Chase then initiated an investigation and I was pre-adverse notification requesting information on previous employment history. After responding to this request, Global workforce screening from JP Morgan Chase on XX/XX/2023 reached out seeking a " detailed explanation regarding the closure/restriction of a Chase bank account. I responded to the request stating the account had been closed to no activity. On XX/XX/2023 JP Morgan Chase notified me stating my start date of work had changed to XX/XX/2023 however on Monday, XX/XX/2023 I was told via a phone call that my employment contract had been rescinded and that I could initiate a dispute ( which I did ). A detailed dispute filed and I also notified the Chairman of JP Morgan of what had happened. On XX/XX/2023 I was notified by JP Morgan Chase that the reason for the rescind of my employment contract was not because of the previous account information requested ( see above ) but rather a Chase business credit account which I had nearly 8 years prior which was closed by Chase without any reason given. In short my name had been " flagged '' in there systems because of this account closure which was paid in full and had an excellent history. On XX/XX/XXXX, I was told that my complaint was being further investigated by the Chairman 's office. Finally on XX/XX/2023 I was notified that JP Morgan Chase was standing by the original decision of rescinding my employment contract because of Chase business account closure from years earlier. When I asked the JP Morgan Chase representative why I was my Chase business credit card account closed when it was in good standing and I did nothing, she responded by saying, she had limited access to the information but that Chase had the right to close accounts for any reason and without explanation. I believe JP Morgan Chase has discriminated against me not only for closing my Chase business credit card account from years back, but now in the employment hiring process. I humbly request a full investigation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
It started out a Dispute of XXXX  of Goods and Services! On ( 5 ) separate occasions Synchrony reopened my Dispute because the Synchrony employee understood the issues of Blemished Goods and the ( XXXX  ) Scabby Installation. 

XXXX XXXX has a PDF, " How to install Replacement windows ''. Please document this, as the manufacturer 's Instructions Clearly State, that the Gap around the window frame and the rough opening is only 1/4 '' at top, bottom and left and right sides! 

In which you can clearly see a scam in the process that was stopped the same day the installer was here to install these Blemished and a Broken window. 

Synchrony Bank Lowe 's Advantage card Dispute Team are NOT and DO NOT Favor Customers. Synchrony Accepts Fraudulent Documents in which the Date of " Certificate '' of Completion is the next day XXXX. 

There is NO Signature from me, XXXX XXXX, nor my wife XXXX XXXX. We had XXXX XXXX XXXX XXXX XXXX XXXX, TX, come out to give a ( bid ) Estimate. He was XXXX founded by what he saw of the partial install that XXXX XXXX XXXX had started! 

On XXXX, XXXX XXXX dba XXXX XXXX did come out to Remove Lowe 's Atrium Blemished windows and practically started to leave because of what ALL they were needing to do to get the windows into the Rough Opening ( Required ) to then Secure to 2 '' x 4 '' s.

Lowe 's Windows returned, a full refund was issued " AFTER '' I had XXXX Police to assist me in making sure no one else lies as to what I've said or done. In fact the woman policeman who assisted me was in agreement after showing her pictures that the partial installation was ( horrible ) unprofessional. 

I've been fighting this dispute from day ONE! 

I found out thru my messages Synchrony Lowes that they've Accepted Documents that Clearly Show different dates and documents without Signatures!! Then tell me to work it out with the store ( Lowe 's ) manager???? 

Synchrony is still refusing to adjust our Lowes Advantage Account Correctly. They also sent me XXXX XXXX XXXX who lives in Florida Denial of her dispute as well! 

Lowe 's 3rd Party XXXX XXXX XXXX XXXX XXXX did NOT want to deal with me, end of story! 

All the above is TRUE and CORRECT, 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 2024-01-08 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
Company is reporting information without authorization of consumer with a third party that which is protected by the Privacy Act. Additionally, the Bankruptcy Court confirmed that they did not report directly to the credit bureau.

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 2024-01-08 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EXPERIAN AND XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS ON DATE XX/XX/2015 FOR BALANCED OWED {$0.00} 15 U.S.C. 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION SO THEREFORE I NEED THESE ACCOUNTS DELETED IMMEDIATELY

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 2024-01-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I was contacted by Eastern Revenue Services attempting to collect a debt from XXXX XXXX of over {$10000.00}. 
I previously requested validation from XXXX XXXX on several occasions via phone request in XXXX XXXX XXXX and XXXX. 
XXXX failed to respond and send proper documentation even after providing them with updated information for me. 

The debt was not validated and my information was illegally sold to Eastern Revenue who is now making collection attempts for debts that were not validated. 
I spoke with XXXX at XXXX. XXXX refused to provide me with an accurate date that he saw my validation request and had to search back to XXXX. XXXX attempted to email me a new debt validation after I had already previously did not receive a response within the appropriate 45 day window from my initial request. Because XXXX failed to supply the demanded proof of the alleged debt, it should be noted that under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Bought my House in XX/XX/XXXX my mortgage lender was XXXX XXXX. Mr. cooper bought the mortgage and sent me a letter that nothing was going to change. in XX/XX/XXXX they did not transfer my property insurance to the new mortgage and I was never notified that my Property was insured by another company from the dates XX/XX/XXXX - XX/XX/XXXX. They are charging me XXXX XXXX  for something I was never aware. I have called multiple times and requested an escalation on this and I have had no resolution. Mr. cooper failed to notified me that they could not get a hold of my insurance company to properly tranafer my policy.

Company response to consumer: Closed with explanation