vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 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: TX

Complaint narrative:
XXXX XXXX  BANKRUPTCY ( XXXX XXXX XXXX TX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-04-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX BANKRUPTCY ( XXXX XXXXXXXX XXXX  TX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I disputed this account on XXXX, XXXX did nothing said creditor did their own investigation, I wrote to the company asked them to validate this debt it has been almost 3 months and I have not gotten a response. I called XXXX and they refuse to take this debt down even though it has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Multiple submissions linked to this company XXXX XXXX XXXX XXXX in Washington State. 

This is one of the three corporate bank accounts used. Once fraudulent activity was identified, we contacted their fraud department, submitted necessary information and all claims were denied, no explanation given. 

Files attached include total fraud dollar detail, former bookkeeper admission of guilt texts and XXXX XXXX XXXX XXXX department case report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have been harassed by a collection company about a bill I am not aware of with XXXX. I have never had an account with XXXX. Back in XX/XX/XXXX a fraudulent charge from XXXX XXXX on my bank account was refunded to me by the bank. Then a few month later ( in XXXX ), I started seeing a collection on my credit report. When I contacted the collection agency named XXXX XXXX XXXX XXXXXXXX ( back in XXXX ), they wouldn't listen to me and just want me to pay. When I contacted XXXX they told me to either file a complaint or deal with the collection agency as they have no knowledge of the charge and didn't have any information about the account. I filed a complaint in XXXX and thought it was resolved. Then in XX/XX/XXXX, it's another collection company that reported the same amount on my credit report. I tried to call that new collection agency again to know more about the collection, but they too didn't want to hear anything but get paid. The reports from both collection agencies have hurt my credit score very bad. I have no knowledge of this account as I never had a XXXX account in my life ; therefore, I never owed them anything. I want this collection out of my credit report.

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 2023-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: GA

Complaint narrative:
I hold a mortgage with Midland Mortgage. In XXXX of XXXX and XXXX of XXXX, it is showing that I was 30 and 60 days past due when this information is not correct. During the pandemic, the company stated that there will be no credit reporting as a result of the financial problems that the pandemic caused. I had no issues with my credit report XXXX I recently checked and Midland Mortgage has reported that I was 30 and 60 days past due when this is not correct. I am wanting to see how to get this information corrected. I have reached out to them with no luck.

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 2023-04-28 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: TX

Complaint narrative:
XXXX XXXX, Experian, XXXX and XXXX XXXX XXXX have violated my privacy due to the Fair Credit Report and Privacy. I notices my bankruptcy was report without my written or verbal consent. The courts of Texas does not report information to any credit reporting agency ... ... .So how can they report my information... ..My information is private

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The first complaint I have with Capitalone is On XX/XX/XXXX I made a payment of {$50.00}. My due date is every 1st of the month. When I check two days later I noticed they returned my payment on XX/XX/XXXX and charged me with a late fee of {$35.00} that same day. I called customer service and their reply was that I should have been paying more attention to my bank account to see if the money was taken out. I did not pay that month because I have been having a financial hardship due to a medical reason and was not able to make the monthly payment and the late fee at that moment. Later that month on XX/XX/XXXX, I received a call from a Capital One representative and I explained my financial hardship and she came up with a deal so that I only pay {$46.00} a month for three months to get my account in good standing. Also instead of paying on the first of the month I would be paying on the tenth of the month. I asked her very specifically and I asked her more than once if I had to pay my upcoming bill on XX/XX/XXXX and she answered no. When I go to make my first {$46.00} payment on XX/XX/XXXX I see I have a late fee of {$40.00} for not making a payment on XX/XX/XXXX. So I called customer service and they tell me there is nothing they can do and that the late fee was already in process when I made the deal. I still mad an online payment of {$47.00} on XX/XX/XXXX because of the fear that I would get another late fee for not paying before XX/XX/XXXX. But the deal didn't seem to happen because my due date is still on the first of the month and it keeps going up and up. The amount due is now is {$140.00} and it is not something I can pay with all the late fees. I requested a credit card agreement to see what agreement we have and I never received it. I have been having problems with them for a while now but this is the worst it's gotten. There is always an excuse for everything instead of solving the problem. For example, no one even checked on the {$46.00} agreement I made with the customer service rep I made that day. The late fees and missed payments are affecting my credit score with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: WA

Complaint narrative:
Approximately {$95000.00} was embezzled/ stolen out of our three corporate bank accounts and Cash App is refusing to assist despite sending documentation and certified letter. Despite numerous calls, they simply tell us it's not their problem, and at one point, even hung up on me while I was asking for a resolution. 

Original XXXX Revised XXXX  forged checks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Personal XXXXXXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$2500.00} {$5400.00} XXXXBusiness XXXX XXXX {$7300.00} XXXX {$4700.00} XXXX {$4500.00} XXXX {$4500.00} XXXX {$430.00} XXXX {$430.00} XXXX {$6900.00} XXXX {$230.00} XXXX {$700.00} XXXX {$1800.00} {$31000.00} XXXX # XXXX XXXX {$3500.00} XXXX {$6400.00} XXXX {$560.00} XXXX {$9800.00} {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX {$6800.00} XXXX {$6700.00} XXXX {$2700.00} XXXX {$740.00} XXXX {$6600.00} XXXX {$11000.00} {$39000.00} Attaching a copy of the spreadsheet, admittance of guilt texts and XXXX XXXX XXXX 's report. Also attached a copy of the certified letter we sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX Missed payments ' XXXX XXXX  I OWE THEM {$270.00} in COLLECTIONS OPENED XXXX. XXXX XXXX XXXX I OWE THEM {$1900.00} IN COLLECTIONS OPENED XXXX. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these 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 non-monetary relief
Consumer complaint received 2023-04-28 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: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX Missed payments ' XXXX XXXX  I OWE THEM {$270.00} in COLLECTIONS OPENED XXXX. XXXX XXXX XXXX I OWE THEM {$1900.00} IN COLLECTIONS OPENED XXXX. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these 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 non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
I refinanced my Fifth Third bank loan with XXXX XXXX. A pay off check was sent from XXXX XXXX XXXX XXXX ( via XXXX ) to Fifth Third bank on XX/XX/2023. That check was received at Fifth Third bank on XX/XX/2023 and signed for by XXXX XXXX ( an employee of Fifth Third ). XXXX records indicate that XXXX XXXX signed for the check at XXXX XXXX. 

After several days passed and the check was not processed ; XXXX XXXX contacted Fifth Third and was told that they were not able to locate the check. The XXXX XXXX agent was instructed to stop payment on that check and to resubmit a new payment. XXXX XXXX sent a second check to Fifth Third ( via XXXX ) on XX/XX/2023 and it was received at Fifth Third on XX/XX/2023 at XXXX XXXX.. Again the second check was received and signed for by XXXX XXXX XXXX 

I contacted XXXX XXXX on XX/XX/2023 to get an update on the closing of the Fifth Third account. The XXXX XXXX agent told me that he was told that the second check was received in the proper Fifth Third office on XX/XX/2023. 

After receiving this information I contacted Fifth Third. I was told by Fifth Third that I was being charged additional interest on the loan because their records did not show that a payoff check was received until XX/XX/2023. 

I filed a complaint with Fifth Third because I am being charged additional interest because the account was not closed on XX/XX/2023. Fifth Third received a check for {$250000.00}. The payoff amount on XX/XX/2023 was {$250000.00}. Fifth Third refuses to take responsibility for misplacing the initial check that was sent and received by them in XXXX. The difference between the amount of interest I'm being charged and what Fifth Third says I owed ( because they misplaced my check ) is {$1900.00} I was told on XX/XX/XXXX, by Fifth Third, that my complaint was being denied because there was no way for them to verify receipt of the first check " matter closed '' .The reason XXXX XXXX XXXX the payoff check to Fifth Third by mail is because they were not given an option to wire the payment to Fifth Third. I was told by Fifth Third, before any payment was sent, that all excess funds would be returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XXXX XXXX, 2023 Bank Of America 's app accidentally, instantaneously, and without ANY warning paid off my Bank of America credit card TWICE OVER by taking an extra {$500.00} ( {$480.00} ) out of my Bank of America checking account when 1 had already paid off the entire {$500.00} credit card balance a week ago. I spent four hours on the phone this morning getting transferred around and being given different phone numbers to call, then calling XXXX was finally told they'd refund my money in a few minutes and gave me a confirmation number XXXX Then the money was never refunded. So that late afternoon I called back, was again kept on the phone for over an hour being transferred around, and was mocked, snubbed, and was told by XXXX the " manager '' that he doubted my story, even though he could see the facts of the overpayment on my credit card and withdrawal from my checking right in front of him. Instead of having a XXXX balance, I have an OVERPAYMENT of about {$500.00} on my credit card. Then they said there's NOTHING they can do about it to refund my checking account today. They say that, although they transferred the money OUT of my checking account instantaneously, that it will take them TEN DAYS to put the money back. My checking account has been completely drained by their mistakes. 1 don't have ten days to pay my other bills due now! And, they say if I were to just go to the ATM and withdraw the extra funds from my credit card, they would actually CHARGE me interest and cash advance fees on it!!! This is criminal behavior. Why can Bank Of America get away with this? Why don't they have to pay ME interest. 
cash advance or overdraft fees?

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 monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2023 {$1000.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: WA

Complaint narrative:
I want the inquiries deleted on all 3 credit companies it's been years since I really checked my credit report now that I checked it I noticed I have way to much inquiries that was not me authorizing any so that's a problem

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 2023-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB INC After reviewing my credit report i have noted some discrepancy this is not my debt I should not be help liable this is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/2023 I entered a customer assistance program that would close my account and allow me to make payments of XXXX for 60 months. 

I accepted this agreement because my monthly income has been inconsistent and I wanted to keep my credit score as high as possible. 

From my understanding of the customer assistance program, I would pay the XXXX by the due date or within the 30 days of the due date as with the normal credit card payment to prevent any late payments being reported on my credit report. 

My first payment of XXXX was paid on XX/XX/XXXX and I was planning on paying the XXXX payment this week. 

Syncrhony bank just reported 30 days late again which is not even possible if my payment was due on XX/XX/XXXX. 

I am trying so hard to improve my credit score and was looking forward to the customer assistance program being a part of that. 

What is the point of a customer assistance program if they keep reporting my account as late? That seems very misleading and improper. That is of no assistance and I would not have entered the program had I known my payments would continue to show as late.

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 2023-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX contacted me today about a debt of XXXX owed to Telecheck and they are representing them to collect that debt ( XX/XX/XXXX ). I said that the check is the result of my lost checkbook last year ( which I already filed three complain with CFPB ). I said I can send them police report, but they refuse to offer me means to do that. They refused to report this to Telecheck and insisted I have to contact Telecheck to myself the issue. They also not tell me their official address and refuse to disclose how they get my personal information.

I also try to file a dispute with Telecheck, but their website do not allow me to submit a dispute.

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