vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 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: GA

Complaint narrative:
Title 15 U.S.C 1681 B False activity without Written Consent Title 15 USC 1681 C-1 Without Written Consent it is considered Identity Theft Tile 15 USC 1681 C-2 Didnt Notify me of the activities and are still there

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 2022-10-20 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: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
They furnished a report without my permission. Which Is a violation to pursuant 15 usc 1681b ( 2 ). I sent the two attachments and didnt receive a reply. They violated my right to privacy and failed to send me proof of me actually owing the company. They failed to comply with 15 usc 1692g and verify the debt. I also asked them to send an XXXX XXXX XXXX XXXX of the account and they failed to do so. I told them to cease all communications with me through any and all mediums and they are still reporting this account on my consumer report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX act # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The months in violation are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX act # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The months in violation are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX act # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The months in violation are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2022-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: OH

Complaint narrative:
I wire transferred XXXX. To XXXX and then transferred into usdt, then deposited into XXXX platform. The XXXX refuses to allow any withdrawals until i send them XXXX. XXXX will not return my money for their mistake sending my money to a scam website. XXXX knows what websites are scams yet they continue to allow transfers to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received an international transfer of funds into my checking account on XX/XX/2022 at a low exchange rate. I have checked with numerous websites. I have called my bank, USbank foreign exchange department asking what rate of exchange they gave me on that day. I was told that they receive rates from the federal reserve every day. The federal reserve website for that day gave me the same rate that I had found online which was much higher than what USbank gave me. I sent an email to the CEO of USbank I then received an email back saying that they would resolve this promptly. This last week I received a voicemail from the CO Head of the XXXX Team asking me to contact her. She also had sent me an email on another day. So I returned her email saying that I would contact her today the XXXX XXXX at a certain time, I'm PT she is CT. I can not get her on the phone she's always on a conference call. Now it is over an hour and a half later and I feel like I'm getting the run around. This bank owes me anywhere between {$2000.00} & {$2700.00} because of the low exchange rate that they gave me compared to the federal reserve rate where apparently they get their rates everyday. The USbank personnel so far have not been very helpful, abrupt and off putting. I am not getting the customer service I deserve after having banked with them for, now 22 years. I also am receiving pensions from my own country BUT at what exchange rate? This is another query I have with them because nothing is detailed on my E- statements. No amount of foreign currency coming into my account and no mention of the exchange rate for the day that it was wired. Surely, there is a breach of international trading here? This incident that I am reporting is part of my pension and I feel like this money is being stolen.

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 2022-10-20 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:
I submitted disputes to experian, XXXX, and XXXX  about inaccuracies on my credit report and they claimed that all the accounts were verified with no proof of how they verified the accounts. I would like for them to remove the following accounts because they not only did they not conduct a proper investigation but they are violating my consumer rights by furnishing information without my consent. Which equals identity theft. The accounts im referring to are XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should be removed 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 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I have continuously received consumer checks in the mail despite fraud from someone stealing the checks and using them. 

I have asked the company in excess of XXXX times to stop sending these. They have told me every time they have turned off the feature, yet I continue to receive these checks. 

Despite XXXX XXXX XXXX and filing formal complaints with multiple agencies they continue this behavior.

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 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This account was originally opened with Washington Mutual Bank, as they were holding my mortgage. Chase purchased Washington Mutual and my mortgage and checking account was transferred to Chase. At the this time I was advised that the terms and conditions of my account would remain the same. My mortgage rate remained the same and my checking account did not incur fees, as long as the account remained open. I was told this again in XXXX when I paid my mortgage in full the I was grandfathered in and no fees would be accessed. Now Chase has advised that they are changing the name of my account and fees will apply. I went to my Chase branch in XXXX XXXX on XXXX XXXX XXXX on XX/XX/XXXX to advise the I am exempt from fees due too being grandfathered in. I spoke with a teller and the branch manager to no avail. They said Chase I taking all the grandfathered accounts, changing the names, and now fees will apply. My complaint was escalated to the Branch Complaint escalation group. Someone named XXXX called today from this group. He repeated the same as above. I want know why Chase can renege even though I have held up my end? Does their word mean nothing? I have paid my mortgage on time and in full, my account is stellar, no overdrawn checks, etc. I have been and am an excellent customer. I did not ask nor had any say in the purchase of Washington Mutual. Chase made a deal and they should honor their deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is about the charge by XXXX XXXX XXXX  On XX/XX/2022 Transaction ID : XXXX - {$500.00} XXXX USD The travel company did not reserve a room with my legal name and I was not able to use the service/reservation as described. I asked them to correct the name many times but the travel company didn't. I had to make another transaction and pay the similar amount to reserve a hotel room. XXXX from the hotel offered a verbal authorization on the refund. But I was never given a refund. Since the XXXX did not provide the service as described and I was not able to use the service by their mistake, I would like a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Chrysalis Holdings LLC
State: MN

Complaint narrative:
My dad was the victim of a XXXX XXXX, that ultimately XXXX XXXX XXXX XXXX. I spent a lot of time trying to deal with NewDay USA to pay his mortgage until we could get it sold. As expected, they stonewalled. Meanwhile we prepped the house for sale and I kept XXXX apprised of every detail. XXXX week before the house closed, they unlawfully entered the home, changed the locks, and winterized the property, damaging a toilet and completely breaking the dishwasher. Their reasoning was it looked vacant. Which is was, because dad was dead. I had made XXXX payments, they were notified of the house being under a purchase agreement, and knew the closing date. They are refusing to pay for cleaning and damages and will not accept responsibility for illegally entering a home they had no right to. In their response to me they indicated no damage or dirt was noted, in spite of the videos showing running water from a toilet where it shouldnt be running, and water running on the outside of the dishwasher. Everything had been in working order prior to that. My husband and I had to quickly fix and clean the house again, and NewDay USA has used that against me, stating I refused to meet with their person to inspect the home. The person contacted me the day before I signed the closing documents, and no one had reached out to me for several days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance of America Holdings LLC
State: RI

Complaint narrative:
Today on XXXX XXXX, per XXXX, my score dropped XXXX points due to a Missed Payment listed by XXXX XXXX XXXX. I have no contract with them or their d/b/a XXXX XXXX. I have asked for validation and verification of debt. I have asked for a Request of XXXX per the FDCPA. All they can send me is a statement of account and a copy of my note and mortgage which they are nowhere to be found in my paperwork. Notice, it is a fact, affiant is aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. Per Credit Karma it states that my account with XXXX XXXX  XXXX began on XX/XX/XXXX. I don't know how that is possible when it was FINANCE OF AMERICA MORTGAGE. Who then in XXXX of XXXX sold my information to XXXX XXXX XXXX who then in XXXX of XXXX sold my information to XXXX XXXX XXXX who then in XXXX of XXXX sold my information to XXXX XXXX  XXXX. The only one I have a contract with is FINANCE OF AMERICA MORTGAGE. They are not able to produce any wet ink contract between myself and XXXX XXXX  XXXX. THEY ARE IN COMPLETE AND TOTAL VIOLATION OF ALL APPLICABLE CODES UNDER TITLE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Brought in a motor for installation. The company installed it incorrectly. They kept the car another week after charging me, trying to fix the issue, and then suggested I take it to XXXX. XXXX had to take the engine apart to find out the original company installed it incorrectly. I ended up paying XXXX to finish the job correctly. By the time XXXX informed the engine was installed incorrectly, both companies had had the car over a week trying to analysis the problem. The original charge on the card was on XXXX. XXXX diagnosed the problem and fixed it XXXX and on that day I found out it was a mistake by the original company I filed the complaint. I had all the bills and reciepts for work and on a recorded line asked who to send them to. I was told they would contact me don't send anything then. Later I get a notice the dipute was declined because of my failure to provide these documents. Basically time is up on the dispute because they needed the documents they told me not to send. Currently I have paid to have my engine installed twice and can't afford it. The lady I spoke with today told me I waited too late and I asked her to look at the dispute... it the same day XXXX discovered the issue!!! and with lots of time within the guide lines if they had not told me not to send my reciepts and documents. Everything was reported well within the guide lines but Chase refused to accept my documents. Again it was all on a recorded line. The images I attached probably won't help much they are the second payment for engine installation and the bill that shows the engine was miswired by the original mechanic, which caused it not to work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  Balance XXXX and XXXX XXXX  balance XXXX, has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any adverse item other than records of convictions of crimes which pre date the report more than 7 years.

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 2022-10-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  Balance XXXX and XXXX XXXX balance XXXX, has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any adverse item other than records of convictions of crimes which pre date the report more than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: iQuantified Management Services, LLC
State: NY

Complaint narrative:
On two occasions I was sent a bill ( XX/XX/22 ) and then a final notice ( XX/XX/22 ) from XXXX XXXX XXXX XXXX. After receiving the first bill on XX/XX/22, I called them and had my XXXX XXXX XXXX representative, XXXX, on the phone. It was determinedthat I was billed for three claims with the same tax ID and two different doctors. Not only that, but the claim was for a hospital procedure when the actual procedure was done in a doctor 's office. 

Today, XX/XX/22, I received a debt collection bill from iQuantified Management Services stating that I owed for this exact claim. I then called XXXX XXXX XXXX XXXX on the phone for the THIRDtime. I spoke to a manager named XXXX, who went back over the claim that is in need of correction. I even provided him with the corrected claim number ( XXXX ) that XXXX XXXX XXXX XXXX provided me with after my very first call on XX/XX/22 and then again after the second call on XX/XX/22, when I spoke to a man named XXXX XXXX. XXXX XXXX XXXX XXXX never fixed the claim, billed me incorrectly twice, and then sent it to a collection agency. I find these practices unethical and therefore I reported them to the XXXX XXXX XXXX and to you, the Federal Consumer Affairs Bureau of Consumer Protection. 
As a final note, XXXX, the manager who I spoke to today, on XX/XX/22, stated that he is calling the collection agency and escalating this to his account management team who will, in turn, call my insurance. He assured me that I would not see another incorrect bill or a bill from your collections agency. If I see another bill, I will be seeking legal action. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: MOHELA
State: TX

Complaint narrative:
I called and requested a refund from my service provider, Mohela, on XX/XX/XXXX for my student loan payments made during the pandemic. The amount {$8200.00} was made on XX/XX/XXXX that I requested be refunded to me. The customer service representative said that the money would be refunded, but did not provide any sort of confirmation ( reference number or email ) that the processing would occur. No indication is on my Mohela portal that suggests it is being processed. 

I submitted a follow up message on XX/XX/XXXX and another on XX/XX/XXXX asking if I could get an update or some kind of documentation of the processing of the refund. No response has come. I then tried calling a few days ago to speak with someone and the voice recordings say that Mohela is not accepting any phone calls in the area I needed assistance in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: GA

Complaint narrative:
I checked my credit report and I noticed that I had unauthorized inquiries on my credit report that I do not recognize

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