vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The inquiries on my credit report is fraudulent I did not give my written permission to said persons to view or share my credit report see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: J. Ritter Law P.C.
State: OR

Complaint narrative:
XXXX from J Ritter Law Firm keeps calling me claiming to be a debt collector, asking me to pay a debt allegedly from my old university bookstore. They sent me a letter months ago ( XXXX of XXXX, I think ). When I didnt respond in writing, they started calling me ( sometime in XXXX XXXX XXXX  ). I know I dont owe this debt. When I ran my credit and the debt did not show up on my credit report, I was finally sure J Ritter was a scam. Theyve called saying I have a case against me, mentioned appearing in court. I called my university bookstore today. The bookstore staff agreed that J Ritter sounds suspicious. Further, the dates of these letters and phone calls dont line up with my time at the university over a year after leaving the school. 

To date, Ive received no notice from the university or its bookstore about any debt owed/missing book. I didnt give XXXX any personal info, just confirmed that they can call me back at the number they keep calling. Told them I would confirm the debt with my school first, just to be sure. XXXX said he would call me again if he doesnt hear from me by the end of the week. This is obviously a scam, but I dont know what good it will do to tell them, Youre a scammer. Dont call here again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I received an notice from XXXX  by XXXX XXXX XXXX. That the company Southwest Credit Consumer did an inquiry and placed a collection on my credit report. I contacted the company on company asking why are they in my credit. They stated they are attempting to Collect a debt for a company by the name of XXXX. I dispute this Collect and debt and information them any Collect they are trying to collect. To send the proof on the debt to my attorney. I gave the law firm. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. Phone number XXXX. This company has never sent me any type of proof from XXXX or never sent me any type of letter they were attempting to collect a debt. They have never contacted my attorney they are trying to collect a debt. I have had several Black Web fraud accounts put in my name and address I never lived with. This why I have XXXX XXXX I also have a credit protection law firm monitoring my credit. Do to company like Southwest Credit Consumer. They have 15 days to provide proof with my signature authorizing account setup with a copy of my Id with it. If they don't I'm requesting the law firm ti file a fair credit debt lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am receiving letters from Wells Fargo stating that I am 5 months behind in my mortgage payments. This is not true. I've checked my account and I have faithfully been paying my mortgage every month. I pay using their mobile banking app and I double-checked and I have receipts for the mortgage. But, their app is not showing the correct balance. They are also still referencing my ex-husband 's bankruptcy in the letters as well. Wells Fargo told me that they would stop doing that, that they recognize in their records that I am the one making the payments. Please make this stop.

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 2023-03-07 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: TX

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

15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also stated a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit account under an open-end consumer credit plan as late for any reason

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 2023-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: NY

Complaint narrative:
Elan debt was consolidated and paid in XXXX. When I was notified that the payment was paid to the wrong account it was 2 years later and hit my credit file. When I disputed the information I was credited with paying off the account in XXXX of XXXX and not XXXX of 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 2023-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I took a cashier check from my Money Market for {$75000.00} account on First Bank at XXXX XXXX on XX/XX/2023 and took the cashier check to Chase Bank to open a new account on XX/XX/2023, after I finish the paper work I was told that {$65000.00} of my cashier check were put on hold until XX/XX/2023. The employee told me to call XXXX XXXX XXXX XXXX to get an early release of the hold, I spoke to several employees at Chase Bank and finally spoke to XXXX and his superviser XXXX who told me there is nothing they can do. 
On XX/XX/2023 I call to First Bank and spoke with XXXX, XXXX, then the superviser XXXX XXXX who told me the cashier check has been presente to First Bank by Chase Bank on XX/XX/2023, so I don't understand the reasoning for holding my cashier check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal is reporting a credit card debt that was a result of identity theft. I have filed numerous complaints with the CFPB and after investigations the account still remains on my credit file. 

The statue of limitations in Texas to collect a debt is 4 years, this account was opened fraudulently on XX/XX/XXXX, this fraudulent debt should have been removed XX/XX/XXXX. 

Navy federal has now reported to XXXX on XX/XX/XXXX that a payment was made XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act, because Navy Federal has refused to show prove of the payment and the statue of limitations on debt in Texas is fours years and it states that if payment is made or any other activity it does not restart the clock. 

This fraudulent debt should be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AK

Complaint narrative:
XXXX offered loan modification for Cares Act/COVID-19 Forbearance at the time I applied. At the end of the forbearance, I resumed monthly mortgage payments, per BoAs direction, while the modification agreement was prepared. The deferred mortgage payments totaled approcimtely $ XXXX. When I received the modification, I mailed in the signed forms, with USPS tracking. XXXX claimed to have lost the modification forms. I provided delivery receipts for the signed modifications. XXXX directed I continue mortgage payments while new modifications were being processed. I continued to make all monthly mortgage payments. BoA then sent me a XXXX XXXX  XXXX. After some discussion with BoA, I signed and mailed in the second mod. Again, XXXX claimed they did not receive the forms. 

XXXX then transferred the mortgage to a secondary lender, Carringtons Mortgage Services. I contacted CMS, provided CMS the history of the attempted modification agreements with BoA, and my history on continuous mortgage payments following end of the covid-19 forbearance period. CMS accepted one monthly mortgage payment and confirmed they would research my history with the BoA. CMS then stopped accepting mortgage payments and initiated default on XX/XX/2023. The default lists fees, interest, and expense in excess of $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: Block, Inc.
State: GA

Complaint narrative:
I checked in to the XXXX XXXX XXXX on XX/XX/23 and checked out on XX/XX/23. The hotel double-charged my card in the amounts of {$170.00} and {$220.00}. The correct amount from the hotel is {$170.00} which is now showing complete ; however, the {$220.00} is still showing pending. I have asked CashApp to release the {$220.00} over 10 times now. I have submitted the final bill from hotel showing the {$170.00} being paid in full. I also submitted letter from the hotel stating my bill is paid in full of the {$170.00} and the letter also requested that they release the hold of my funds. CashApp still has not released the funds and have hung up on me 3 times. They have been extremely RUDE and argumentative with me aboue MY money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
I've written a dispute letter XX/XX/2023 No Knowledge of this account. This is fraudulent and someone has stolen my identity. This is the second time this has appeared on my report but with a different collection agency name. Allied Collection Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX In response to my letter I was sent patient information sheet on that sheet it clearly states responsible party 's name. 

on the service and installment contract the signature clearly states the responsible party name. 
My name nor signature is not on this account. 

I would like this matter resolved and removed off my credit report. This is not my account or legal matter. 
They will be hearing from my attorney to resolve this legal matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: IL

Complaint narrative:
I have been a victim of fraud and someone opened up a credit card in my name along with my personal information... I also received a letter from the credit card company stating that the account was opened in fraud and they asked the credit bureaus to remove it, but it is still showing on my credit report as a negative item, account name is ( XXXX ) .... ( XXXX XXXX XXXX XXXXXXXX ) i will attach the letter from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: IL

Complaint narrative:
I have been a victim of fraud and someone opened up a credit card in my name along with my personal information... I also received a letter from the credit card company stating that the account was opened in fraud and they asked the credit bureaus to remove it, but it is still showing on my credit report as a negative item, account name is ( XXXX ) .... ( XXXX XXXX XXXX XXXXXXXX ) i will attach the letter from the company.

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 2023-03-07 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: FL

Complaint narrative:
I see XXXX and XXXX XXXX buy on my report. I did not do this. I contacted both companies they have no record of me by name, number, social or dob. They are inquiries and I have been assured no accounts exist active or otherwise.

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 2023-03-07 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: FL

Complaint narrative:
I see XXXX and XXXX XXXX buy on my report. I did not do this. I contacted both companies they have no record of me by name, number, social or dob. They are inquiries and I have been assured no accounts exist active or otherwise.

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 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2023 Someone stole {$3700.00} out of checking account and {$58.00} savings account and {$35.00} overdraft fee in my wellsfargo bank in XXXX North Carolina. The bank denied my claim of fraud and are saying I gave permission which a erroneous claim I never gave anyone my information or permission to take money out of my account and they are telling the claim is closed and the is nothing could do about it. I'm completely frustrated I live in XXXX XXXX fl all my bills are linked to these accounts and the bank I trusted my money with is allowing unauthorized transactions out of my account. I made the claim on XX/XX/2023 and I have been told there is nothing I could do about fraud on my account.

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 2023-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I spoke with a representative today, XXXX, with Target Credit Card Services. I'm in a financial hardship plan and she advised that Target is unable to forgive any late payment history on my credit report, even if I send a letter to the corporate office. This is not a decision this representative was able to make and advised me of inaccurate information. I was transferred to a supervisor and was advised the same thing. Under the CARES Act and me being on a hardship plan, I demand the late payment be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: NY

Complaint narrative:
The inquiries on my credit report is fraudulent I did not give my written permission to said persons to view or share my credit report see attachment

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The inquiries on my credit report is fraudulent I did not give my written permission to said persons to view or share my credit report see attachment

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 2023-03-07 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: GA

Complaint narrative:
Hello CFPB team, I requested a copy of my credit report and asked the credit bureaus to do verification on everything in my report. The credit bureaus did the verification and said that everything was accurate. 

However, I did thorough research myself and I still see the inaccuracies on my credit report even after they did that research and verification. There are so many things that are wrong including the date opened on each account. Each date is different on each bureau! This is just one issue. You will see that there are several other inaccuracies. Please remove these accounts from my report. 

Please can you explain why these bureaus are being allowed to report these inaccuracies and the CFPB just keeps closing my complaints without looking at the incorrect items on my credit report? 

I looked up the Fair Credit Reporting Act and according to the FCRA I feel that the following companies have all violated my rights : 1. XXXX  XXXX 2. XXXX XXXX XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX I have rights and here are the FCRA regulations : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

I am asking you to please review these four accounts and you will see that what I am saying is true. Please help me with this and enforce the law and investigate my complaint. The bureaus keep repeating the same response ; that they have checked and its correct. If they had checked they would see the discrepancies. It is just plain wrong information that they have been reporting.

I need your help! Please enforce the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
the company never responded it been over a year,,, ,nor did they send verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also stated a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit account under an open-end consumer credit plan as late for any reason

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 2023-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I got Solar Panels through XXXX XXXX XXXX, XXXX and they used the finance company GoodLeap , LLC. The XXXX Panels were installed but never activated and the permit was not taken out with the City. I've learned that XXXX XXXX XXXX, XXXX company has went out of business. At this point I've reported this to GoodLeap which is looking into the situation however they keep charging my bank account with a my monthly loan amount and sound unwilling to stop it until they figure out my situation.

Company response to consumer: Closed with explanation