vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, NATIONAL CREDIT ADJUST failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
NATIONAL CREDIT ADJUST  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
NATIONAL CREDIT ADJUST Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I filed for XXXX  XXXX bankruptcy on XX/XX/2017. XXXX XXXX XXXX, who held my student loans, was notified on XX/XX/XXXX, XXXX XXXX reported my account 60 days late on XXXX of 2017. This was only reported to Equifax and was in error. No updates to accounts sould be sent to credit reporting agencies while in a XXXX  XXXX. No info/data should be reported. 
XXXX has not resolved inaccuracies on my Equifax report. XXXX sent me the letter attached and told me to send to Equifax in yet another dispute. Equifax answered with this : >>> The information you disputed has been updated as well as other information on this item. Account # - XXXX The results are : ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. PLEASE BE ADVISED THAT ACCOUNTS INCLUDED IN BANKRUPTCY DO NOT REPORT ACCOUNT INFORMATION AND ARE CONSIDERED AS CLOSED ; AND WILL REMAIN ON THE CREDIT FILE SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX How XXXX are these people? PLEASE BE ADVISED THAT ACCOUNTS INCLUDED IN BANKRUPTCY DO NOT REPORT ACCOUNT INFORMATION AND ARE CONSIDERED AS CLOSED Really? 


I have also called XXXX and Equifax directly to dispute. I have mailed numerous registered letters via USPS. I have filed complaints with the Department of Education. I have contacted the XXXX XXXX 's US Representatives office here in SC. The 3 credit agencies did not even respond to letters sent from this office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX, XXXX, and transunion have not removed a fraudulent account from my credit report. I've disputed it multiple times. I even have proof from the collection agency that the account was open in a different state. here is the proof below. this account needs to be removed as I did not open it. and they have yet to provide evidence this belongs to me. 

the account number is XXXX account name is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was supposed to receive {$300.00} for depositing {$200.00} a month for 3 months. I met the promotional terms but th the {$300.00} was never credited to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I bought a XXXXXXXX XXXX financed thru XXXX XXXX XXXX XXXX Chase Bank . On XX/XX/XXXX that loan was payed off by XXXX and another car was purchased thru XXXX XXXX Chase. The old account should have ended on the XXXX and a new account should have started but, on the XXXX chase withdrawal {$470.00} as if I still owed them money. It is now XXXX th XXXX and the money is still not back in my account. Plus money is owed from coverage of the last car policy ending early that has not been payed. I live on a fixed income and need the money returned asap which I explained to several people. Why are banks allowed to hold money until they feel like refunding it and consumers are not. Any bank transaction that take place can be reversed but, they are holding my money without a reasonable explanation in my opinion. I need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have been seeing this on my credit report from Portfolio Recovery regarding over {$680.00} I still haven't received a verification of debt and I don't believe this is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: VA

Complaint narrative:
Since I am a Pell Grant recipient, I will be eligible for {$20000.00} forgiveness based on Mr. Biden 's policy. I requested a student loan payment refund from Edfinancial last Wednesday, XX/XX/2022. One of the representatives was able to set it up for me ; however, they do not provide any confirmations or acknowledgment that my request was set up. In addition, the timeline IS EXTREMELY SLOW, which can be more than 150 days. Compared to other loan servicers, this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C.
State: OH

Complaint narrative:
on XX/XX/XXXX XXXX XXXX XXXX sent me a letter regarding my dispute i open with them on the incorrect balance they stated i owe of {$2400.00}. 


on XX/XX/XXXX i sent in require information of the update lease i last sign with my landlord at the time. 

the last lease i sign with XXXX XXXX XXXX was XX/XX/XXXX with me and my daughter listed. My rent was {$0.00}, ( i live on a base income apartment ) I made a phone call to XXXX XXXX on XX/XX/XXXX trying to get this resolve and settle, she stated she never look into the information that was sent in by me she sent it over to the client that stated my balance was correct. 

she also stated she can not help me and that she do not work for me and she was over talking me, it was a lot of over talking each other. 


I also tried to resolve and get a better understanding on the balance that was submitted that they stated i owed i contacted XXXX. XXXX today XX/XX/XXXX she stated that she could not give me a break down of the amount that they stated i owe them she also hung up on me with stating for me to not call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Follow-up to complaint XXXX Wells Fargo has neglected to provide the documents that were subpoenaed. I spoke with a XXXX XXXX who stated that no documentation was provided by the borrower ; however after thorough review of the documents that Wells Fargo would release, it appears that is not true. In addition to failing to comply with a court ordered subpoena, Wells Fargo has also stated that in order for me to obtain any additional information, including what is listed in the original subpoena, i must provide a new subpoena due to change in counsel. This is absolutely not true and is a waste of time and money as the case has not changed and a substitution of counsel has been submitted. I have sent an appeal letter to Wells Fargo requesting these docuemts. 

As an equal co-owner of the property, I have interest in this property and was never made aware, nor did i authorize, the unilateral forbearance or payment deferral that was initiated by my husband, XXXX XXXX. While I am on the deed and mortgage, i am not on the note ; however his unilateral actions have incurred debt on a jointly owned property. 

I would also question Wells Fargo 's process for determination as well as decision to grant any type of COVID-19 hardship loss mitigation option as the note holder, XXXX XXXX , as he has not had any type of COVID-19 hardship. He has a surplus of funds for XXXX, XXXX and XXXX and was more than capable of paying the mortgage monthly. His suspected fraudulent activity has increased debt to a jointly owned property. 

I would also like this forwarded to XXXX XXXX. 

See attached documentation. 

Thank you.

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 2022-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have been seeing this on my credit report from XXXX regarding two account for over {$300.00} and {$600.00}. I still haven't received a verification of debt and I don't believe this is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
The company is Rocket Mortgage. I went onto my mortgage account page and was immediately stunned because there was a big change in my monthly payments. 

I contacted Rocket Mortgage and was told that what happened is that they accessed my escrow, mainly the county taxes on a way lower tax amount then they should have and that I will either need to pay a lump sum of what I owe or pay it spread out over 12 months. Now my monthly mortgage payment is way higher then expected which is going to cause a definite hardship to my life. 

Now my new monthly payment which is coming up in XXXX, is being based off of this much higher tax amount PLUS the large shortage. The large shortage is in the amount of {$4200.00}. 

Before this change my monthly payment was {$550.00} and now its a whopping {$1100.00} because I can not afford to pay the {$4200.00} in a lump sum payment so now it's going to be spread over 12 months on top of my higher tax rate. 

So now I'll be struggling for an entire year because I have utilities, credit card bills, car payments to pay on top of this. Not sure how I'll even afford to eat. 

My new Mortgage payment would have been around {$790.00} ( affordable ), if they had calculated more accurately on taxes. Now I must play catch-up and pay {$1100.00} every month for an entire year to pay the {$4200.00} off. 

If this was a small change it wouldn't be much of a problem but I feel like this is a large difference and due to rocket mortgage I now have to struggle to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2022 three unauthorized transactions were made online using my debit card account. 
Those transactions were made on XXXX XXXX Transaction # 1 - {$120.00} Transaction # 2 - {$63.00} Transaction # 3 - {$25.00} I didnt get any notification from Chase letting me know about these transactions. 
I got just one text message for a transaction # 4 - {$63.00} I declined this transaction, and I called the Chase Customer Service to dispute these charges. 
The opened a Dispute Case to resolve this issue. I cancelled my debit card and Chase sent me a new card. 
Also, I got an email from Chase letting me know that XXXX XXXX was added into my wallet. I declined this action because I dont have XXXX XXXX. 
I informed Chase about this fraud as well. 
On XX/XX/2022, Chase got reversed these money from my account and took {$210.00} I called Chase Dispute Service and I asked why this money was reversed from my account and they said that they couldnt prove these transactions were fraudulent. I explained that I didnt make these transactions. 
They said that I need to prove ithow I can prove something like that? 
I just got ONE text message notification and one email, nothing else.

I went to Chase and talked to the manager. He was very helpful and called Dispute Service Team. He got the same answers, that I need to prove I didnt make these transactions. 
Chase dont want to collaborate with me. They took {$210.00} out of my account, and I didnt make these transactions. 
Also, I called the Compliance number, and I got the same answer. They say I need to fax documents that proves I didnt make those transactions, when I asked what documents they said we dont know. 
I am very frustrated!!!

Company response to consumer: Closed with monetary relief