vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-08-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: Early Warning Services, LLC
State: PA

Complaint narrative:
I received my EWS report and XXXX Bank indicated that XXXX transactions of {$20000.00} were returned on XX/XX/22 & XX/XX/22 This information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: NC

Complaint narrative:
I received an alert for a credit inquiry on XX/XX/2023 for JPMCB CARD from XXXX and XXXX credit reporting company and immediately called to inquire why. I was advised that an application was submitted and I confirmed that it was fraudulent at which point the company advised me they will close the application and to give 60-90 days for the inquiry to be removed. I have continued to call JPMCB and they apologize and tell me that they are working on it but here we are XX/XX/2023 and the inquiry is still there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
During covid I did a home loan modification with XXXX XXXX XXXXXXXX. They then sold the mortgage to Fay Servicing who increased my loan payments by over $ XXXX. Their explanation was there was no escrow funds given to them from XXXX XXXX  XXXX. It's been over a year which would have reimbursed them quarterly taxes and insurance and escrow more than enough to return my monthly payment to agreed upon amount. When I spoke with Fay Servicing, after a prolonged hold, they said they'll need XXXX hours to complete an " escrow analysis '' but said I currently have {$3400.00} in escrow AFTER taxes were paid XX/XX/23 in the amount of {$2900.00}. XXXX said the next tax payment of {$2500.00} is due in XXXX which leaves over {$900.00} for insurance ( which is less than $ XXXX ) not including what will be auto-paid from now until then. Pre-collecting taxes & insurance in escrow prior to disbursement is XXXX thing, over collecting & continuing to collect above and beyond is not only deceptive mortgage practices but an extreme financial hardship to a person on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On XX/XX/23 I called and asked for mortgage statement instead I received the amount that I owed instead of requesting information. I did explained that already have financial arrangements for mortgage and really needed form due to deadline for mortgage grant company. I felt racism and trying to kick a hurt person down due to whatever is going on in their daily life. When I was treated that way It made extremely depressed. I didn't need to be reminded I just called for some help during my hard time in life. Lakeview loancare is the ones that sent hardship mortgage grant to me but just didn't seem she was interested in helping me.

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 2023-08-16 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: MD

Complaint narrative:
You are in violation of federal law under the Fair Credit Reporting Act. Under the FCRA 15 USC 1681b- Permissible Purposes 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 instructions of the consumer to whom it relates. I never gave Experian any written instruction to furnish a consumer report. No consent is identity theft. A copy of the identity theft report as proof marked Exhibit A attached.

Furthermore, you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity, and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX, and marital problems.

You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy.

Fairness, impartiality and a respect for my right to privacy was not extended to me.

You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me you furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public.

An attachment labeled Exhibit A as proof is attached. I demand all negative accounts be removed from my consumer report and file.

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 2023-08-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute multiple violations of consumer protection laws and to seek your assistance in enforcing my legal rights. The violations I outline below have had a profound and detrimental impact on my life, causing severe emotional distress and financial hardship. 

XXXX. **Unauthorized Inquiries ( FCRA ) : ** Creditor : XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. **Various Violations ( FCRA ) : ** Creditor : XXXX Account Number : XXXX Violations : Incorrect high balance, inaccurate date of last activity, reaging accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit, improper reporting. 

XXXX. **Various Violations ( FCRA ) : ** Creditor : XXXX XXXX Account Number : XXXX Violations : Similar violations as above. 

XXXX. **Various Violations ( FCRA ) : ** Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Similar violations as above. 

XXXX. **Incorrect Reporting of Personal Information ( FCRA ) : ** Incorrect Current Address : XXXX XXXX XXXX, XXXX, CA XXXX XXXX. **Incorrect Reporting of Personal Information ( FCRA ) : ** Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX CA XXXX These violations have significantly impacted my life. The inaccuracies and unjust reporting have hindered my ability to secure housing, employment, and credit. My family and I have endured constant stress and emotional turmoil as a result of these violations. The financial hardship caused by the inaccurate credit reporting has strained our ability to provide for our basic needs and future aspirations. 

I implore the Consumer Financial Protection Bureau to use its authority to enforce the applicable consumer protection laws and ensure that these violations are rectified promptly. I kindly request that you initiate a thorough investigation into the actions of the creditors listed above and take appropriate measures to hold them accountable for their unlawful practices. 

Furthermore, I respectfully demand that the aforementioned creditors provide verification for the disputed accounts or remove them from my credit report immediately. These unverified and inaccurately reported accounts are causing irreparable harm to my financial well-being and overall quality of life. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to rectify these violations and restore my rights as a consumer. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute multiple violations of consumer protection laws and to seek your assistance in enforcing my legal rights. The violations I outline below have had a profound and detrimental impact on my life, causing severe emotional distress and financial hardship. 

1. **Unauthorized Inquiries ( FCRA ) : ** Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. **Various Violations ( FCRA ) : ** Creditor : XXXX Account Number : XXXX Violations : Incorrect high balance, inaccurate date of last activity, reaging accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit, improper reporting. 

3. **Various Violations ( FCRA ) : ** Creditor : XXXX XXXX Account Number : XXXX Violations : Similar violations as above. 

XXXX. **Various Violations ( FCRA ) : ** Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Similar violations as above. 

5. **Incorrect Reporting of Personal Information ( FCRA ) : ** Incorrect Current Address : XXXX XXXX XXXX, XXXX, CA XXXX XXXX. **Incorrect Reporting of Personal Information ( FCRA ) : ** Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX CA XXXX These violations have significantly impacted my life. The inaccuracies and unjust reporting have hindered my ability to secure housing, employment, and credit. My family and I have endured constant stress and emotional turmoil as a result of these violations. The financial hardship caused by the inaccurate credit reporting has strained our ability to provide for our basic needs and future aspirations. 

I implore the Consumer Financial Protection Bureau to use its authority to enforce the applicable consumer protection laws and ensure that these violations are rectified promptly. I kindly request that you initiate a thorough investigation into the actions of the creditors listed above and take appropriate measures to hold them accountable for their unlawful practices. 

Furthermore, I respectfully demand that the aforementioned creditors provide verification for the disputed accounts or remove them from my credit report immediately. These unverified and inaccurately reported accounts are causing irreparable harm to my financial well-being and overall quality of life. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to rectify these violations and restore my rights as a consumer. 

Sincerely, 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 explanation
Consumer complaint received 2023-08-16 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
On or around XXXX of 2023 I paid XXXX dollars to this company after I had paid them out in full a few months earlier. I was shocked to see that I was being charged the XXXX dollars because I had not used the credit card since long before I paid it off. I later found out that this card had been attached to my XXXX account somehow. I immediately removed it from the account and I was so upset about it that I decided to pay them in full and never use the card again. Until this day I have not used the card, but they're saying that I owe them more money. I asked them to give me some transactions of what I had made. He said they were for XXXX. I had no transactions on my XXXX account showing anything relating to that card.

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 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This morning XX/XX/23 I try to redeem my points from Bank of America credit card, then I find out my account got closed and I can't redeem my points, and the redemption department told me they can't do it because the account got closed, but I didn't get any notice beforehand, they said my account got closed on XX/XX/23, nothing is showing in my online banking or receive any type of notification from the bank through text, mail or phone call before XX/XX/23, otherwise I would redeem them before, my total reward points are XXXX, which worth {$9400.00}

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 2023-08-16 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
According to the FDCPA, I am a consumer as defined under 15 USC 1692a ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt. Im allegedly obligated, not obligated. You can be either and since the law states The United States is obligated to pay debt, not a consumer according to uniform code 18 usc 8 company is being intentionally negligent by furnishing such information to my consumer report! Company is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: FL

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update 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 2023-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX or America received a check to their branch from XXXX for XXXX. They depsoti3d in their holding or carry account. They did not deposit it into any of my accounts. Since then after maybe 80 hours of phone calls visiting the brach etc each time they said it was citi problem. I had both finincails centers in call w each other. Finally recently XXXX bank of america said they havw the money in their housing accout & I'll receive it in 10 days ... I dis not. For some reason they insisted in opening up a fraud claim..even tho there was never fraud on my accounts. Each time I call I'm told a diff story and get transnfere. Usually I'm on the phone for 3 plus hours at a time. I even went into my local branch and the information they gave me was wrong again... then I'm told fraud claim is closed. Next day I'm told it's open wtc ... .in short they have my money and there is no way for me to get it. Back.

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 2023-08-16 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: TX

Complaint narrative:
XX/XX/XXXX I was called by Chase, XXXX, informing me an attempted charge in California from XXXX XXXX. I declined that it was me and then was told I was good and that a new card would be sent. I was told to rejoin the Chase fraud notification messages alert so I did and thought everything was okay. 

On XX/XX/XXXX I was called again by Chase, XXXX XXXX, about suspicious activity and when I checked my bank account I saw multiple ATM transactions on the XXXX and XXXX. XXXX transactions with amounts ranging from of XXXX $ for a total of XXXX XXXX After discussing, the Chase representative on this phone call informed me that they cancelled and would send a new card again just like in the previous call and I disputed the charges right then. 

My claim was denied, and I don't know what to do. My card is always on my body so I don't understand how this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 explanation