vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Loan South Finance & Tax Service of Troy, LLC
State: GA

Complaint narrative:
The loan was taken out XXXXXX/XX/XXXX, and the payment was {$100.00} a month. I paid on time until XX/XX/XXXX when I was admitted into the hospital for XXXX XXXX XXXXXXXX. I contacted them and told them I would be unable to make a payment until late XXXX which the manager agreed to because of circumstances. But they not only called and texted every day at least 3 times a day, they started calling from their own private cell phones even after XXXX ; XXXX. I would tell them I was in the hospital and they would say ok but then call me again in a few hours. When I got home I started making payments but then they said the payments went up even though I was paid up. Its getting out of hand, Ill make a payment and constant texts and calls stating I didnt or I owe more money. I feel violated that every employee has my personal cell on THEIR personal cell phones. That isnt right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
I have been sick and I'm in a financial set back. I would like to lower my payments to a manageable amount to pay back what I owe and get the balance down on my house. I would like to eventually refinance my home loan.

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 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
XX/XX/XXXX they raised my mortgage payment {$300.00} a month and claimed they needed it in my escrow account for increased home owners insurance and taxes but I followed up with calls to see who required that much more money and my home owners increased by about {$75.00} a month and even that increase is questionable because all my neighbors have only increased by about {$100.00} a year. There is no reason for this kind of increase even if the insurance is legit. I've contacted them at least 4 times and they tell me to contact my insurance company but just reaffirms my knowing they are taking way too much out for my escrow account. The amount they increased is way out of line and I sure could use a refund since my daughter and grandchildren are presently living with me. The only response they give is it can't be changed until XX/XX/XXXX because that is when they have there meeting for adjusting escrow accounts. With the economy tanking and this kind of unnecessary expense I've all but emptied one of my retirement accounts. Please give me some relief and justice. account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive paid my loan for XXXX and XXXX on XX/XX/23 and my balance is not {$1900.00} my balance now is {$1300.00} plus my interest so its {$1300.00} so that balance on my credit report is incorrect also XXXX points was tooken from my credit because of this not being updated! Which was took from me after I made both payments!! I will like for this Lender to update my information! Immediately like he said he would when I went up there to pay my loan and take any remarks off my account because it is being paid!!!

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 2023-05-01 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
This complaint also relates to # XXXX of which that acc was closed and a back office supervisor said I was right about interest calculated and pd for the time period of identical months but since the acc was closed they can't do anything about it... .really. Want my {$920.00} returned because per them this was a bank error. 

Well on a new acc the same thing has happened, same time period, same daily interest rate, same balance. Ally paid {$790.00} between XX/XX/28 to XX/XX/28 but then paid XX/XX/28 to XX/XX/28 $ XXXX Something is going on here. On the previous complaint you referred me to Federal Reserve but they referred me back to you. 

I am also getting a reply back from customer service agents which are not qualified to respond to this just by reading their response.

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 2023-05-01 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
It has been brought to my attention that Chase has CONTINUED to engage in violating all my consumer rights to the point where it has gotten out of hand. I have undergone NUMEROUS encounters with Chase at this point. I AM REQUESTING THAT CHASE SEND ME MY public and private accounting records in accordance with GAAP, and all other account records. BILLING STATEMENTS AND LETTERS ARE NOT DOCUMENTARY EVIDENCE AND ARE CONSIDERED FRAUDULENT DOCUMENTATION! AS A CONSUMER PER THE LAW WHAT YOU ALL DOING IS DEAD RIGHT FRAUD! I am giving you TEN DAYS TO send me all DOCUMENTARY EVIDENCE WHICH INCLUDES MY PUBLIC AND PRIVATE ACCOUNTING RECORDS OR I WILL SUBMIT IN THE FOLLOWING WHISTLEBLOWER FORMS TO THE IRS due to TAX FRAUD! Furthermore, YOU ALL CONSTANTLY HAVE HARASSED AND ABUSED ME BY CONTINUOUS CALLING MY PHONE. PER THE LAW, THIS IS A VIOLATION! Per the FDCPA, it is a {$1000.00} fine per violation! 

PLEASE REVIEW THE ATTACHED WHISTLEBLOWER FORMS! I AM KEEPING ALL DOCUMENTATION AND RECORDING ALL EVIDENCE TO BUILD UP MY CASE FOR LITIGATION! 

THIS IS EASILY CONSIDERED A RACKETEERING CASE WHICH RESULTS UP TO IMPRISONMENT FOR 20 YEARS! 

DO NOT SEND ANY MORE STATEMENTS OR LETTERS, SEND ME MY PRIVATE AND PUBLIC ACCOUNTING RECORDS OR BLOCK, REMOVE, AND DELETE THIS ACCOUNT! 

ACCOUNT NUMBER : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been made aware that Bank of America continues to violate my consumer rights excessively! I have had multiple encounters with Bank of America and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation! I did not give my consent or authorize them to furnish my nonpublic personal information! This behavior constitutes dead-right fraud and violates consumer protection laws. Bank of America has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous CALLS, EMAILS ETC constitutes HARASSMENT AND ABUSE, which is also a violation of the law. Per the FDCPA, it is a {$1000.00} fee per violation! Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. Account Number : 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 2023-05-01 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Your permission to include this bankruptcy in my credit record is not authorized! There are many dates for filing and reporting, as well as for closing. This is crazy! I have the court 's letter stating that they do not notify you of this bankruptcy and that this is coming from an uninvited third party.

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 2023-05-01 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: GA

Complaint narrative:
It has been brought to my attention that XXXX has CONTINUED to engage in violating all my consumer rights to the point where it has gotten out of hand. I have undergone NUMEROUS encounters with XXXX at this point. I AM REQUESTING THAT CHASE SEND ME MY public and private accounting records in accordance with XXXX, and all other account records. BILLING STATEMENTS AND LETTERS ARE NOT DOCUMENTARY EVIDENCE AND ARE CONSIDERED FRAUDULENT DOCUMENTATION! AS A CONSUMER PER THE LAW WHAT YOU ALL DOING IS DEAD RIGHT FRAUD! I am giving you TEN DAYS TO send me all DOCUMENTARY EVIDENCE WHICH INCLUDES MY PUBLIC AND PRIVATE ACCOUNTING RECORDS OR I WILL SUBMIT IN THE FOLLOWING WHISTLEBLOWER FORMS TO THE IRS due to TAX FRAUD! Furthermore, YOU ALL CONSTANTLY HAVE HARASSED AND ABUSED ME BY CONTINUOUS CALLING MY PHONE. PER THE LAW, THIS IS A VIOLATION! Per the FDCPA, it is a {$1000.00} fine per violation! 

PLEASE REVIEW THE ATTACHED WHISTLEBLOWER FORMS! I AM KEEPING ALL DOCUMENTATION AND RECORDING ALL EVIDENCE TO BUILD UP MY CASE FOR LITIGATION! 

THIS IS EASILY CONSIDERED A RACKETEERING CASE WHICH RESULTS UP TO IMPRISONMENT FOR 20 YEARS! 

DO NOT SEND ANY MORE STATEMENTS OR LETTERS, SEND ME MY PRIVATE AND PUBLIC ACCOUNTING RECORDS OR BLOCK, REMOVE, AND DELETE THIS ACCOUNT! 

ACCOUNT NUMBER : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS

STAT ED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2023-05-01 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This Company advertises its credit products and solicits applications to consumers then makes it near impossible to actually use the card. After spending 3 weeks and over 15 hours on the phone trying to get them to remove fraud blocks on a brand new card just received in the mail and verifying everything except XXXX XXXX XXXX XXXX XXXX XXXX, I was finally able to actually use the card for the first time. 

My current issue is now that I have reached my credit limit, I made a payment to pay my entire statement balance on XX/XX/XXXX, almost 10 days before the bill was due, via my own ACH checking account. So that I can continue to use the card. It's now 6 days later and while Citi shows my payment was accepted and credited to the account, they will not release the available balance and allow me to continue to use my card. 

In contacting customer service they told me that my payment has to go through a 2 week Fraud review to ensure the payment is not fraud and I can not use my card until this clears. 

So I spent 3 weeks with a bunch of stupid fraud blocks from the first day I received the card. Now I submit a payment to pay my charges and you block my card again for fraud review. How the heck is a consumer ( in this case a business with a business card ) expected to use the card you advertised and solicited for business purposes when they won't even allow you to use the card as intended. 

This is the WORST Credit Card merchant ever. I've never in my life had this much trouble with a credit card and I have perfect credit score.

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 2023-05-01 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Credit Card last 4 with XXXX. It is a Bass Pro Card. Major problem with this card. Four separate orders were fraudulently made. Capital One charged me for three even after I emailed all the companies. In fact several said the items were sent to a different address than mine. I had a couple things I did received and returned. Capital One charged me anyway even though I closed the card and reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP

Complaint narrative:
XXXX purchased a new cell phone and went to add USAA to XXXX XXXX same telephone number and they locked our accounts. Not the first time that USAA has locked our accounts. It has been numerous time for ABSOLUTELY NO REASON. We currently reside overseas as military personal and have had a ridiculous amounts of holds on OUR accounts even after verifying in the app and text messages with numerous codes. This last incident our accounts were locked and were set up for credit only. After speaking to numerous reps and attempting to get the account unlocked. We were told that the department that can unlock our accounts is closed and it will take XXXX business days and 1 hour. There has not been any type of fraud on our account. They placed a hold on OUR accounts which affects our daughter stateside account as well because were on her account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Billing statement received from XXXX XXXX XXXX Department ambulance billing for balance amount of {$950.00} on my wife 's account with due date XX/XX/. I wrote a check for this amount with the account number of XXXX ambulance billing written on it and sent in XXXX ambulance billing on XX/XX/. Posting date of check was XXXX indicating that the bill was paid. 
On XX/XX/ I received a Debt collections notice from XXXX XXXX XXXX XXXX XXXX stating that they are trying to collect debt that I owe the XXXX XXXX XXXX XXXX XXXX Department XXXX Services. I contacted XXXX billing on XX/XX/ to resolve that matter, with no resolution of it. I contacted the debt collector on XXXX  and per their advice sent copies of the posted check and of the billing statement from XXXX proof that the bill was paid- to them by email. They confirmed receiving the email. I have since called the XXXX. Collector 3 times, per their advice to check the status. They state that the debt is still in collections. 
So far the matter has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation