vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 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:
my former brother in law and co worker XXXX XXXX XXXX had access to our company records and he access these records and opened several accounts for credit for me and other co workers I have tried to alert several credit issuers bit I have not been successful in getting any assistance

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 2022-03-14 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:
my former XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX had access to our company records and he access these records and opened several accounts for credit for me and other co workers I have tried to alert several credit issuers bit I have not been successful in getting any assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
unauthorized and inaccurate reporting to my consumer report after being notified multiple times

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 2022-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2022 I was alerted to a {$6000.00} withdrawal made from a savings account I did not recognize ending in " XXXX ''. Upon logging into my Chase Bank app, I discovered a second savings account that was linked to my legitimate checking and savings account. 

Someone transferred {$9100.00} from my savings account into the one ending in " XXXX '', and then withdrew {$6000.00} using an electronic check ( E-Teller ). They also withdrew {$740.00} from an ATM at XXXX XXXX XXXX, XXXX New York. I live and work in XXXX, Ohio. 

Upon calling Chase, they initiated a claim for XXXX when I specifically stated that XXXX was withdrawn, followed by a XXXX withdrawal. They denied my claim at XXXX XXXX on Sunday, XX/XX/2022 by sending a robo-response letter. 

When I called on Monday, they stated that no one attached the XXXX withdrawal to my ID theft claim. I have done everything they have asked me to do, and I continue to get the run-around from representatives. My next course of action if this XXXX and XXXX amount is not promptly returned to me will be to contact my attorney. 

The fact that Chase allowed someone to put me as a secondary user on a savings account without my knowledge, allow that person to transfer most of my savings without my knowledge, and then withdraw those funds without my knowledge is completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Payment History : ( first payment due XX/XX/XXXX ) XX/XX/XXXX = {$1100.00} XX/XX/XXXX = {$1100.00} ( payment on XX/XX/XXXX and XX/XX/XXXX had issues for some reason ) XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1300.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1100.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1200.00} This is my payment history according to SPS 's records. 

They send me more than one Notice of Default - Right to Cure and more than one Changes to my interest rate and payment letters. I have never missed a payment ; I'm not sure after the 2-3 months of contacting SPS on XXXX regular basis they have not corrected the issue. Even after reviewing my transaction history, more than one manager sent escalations to the cashier department. 

I believe problem in their system started when finally approved a payment deferral I requested earlier in XXXX. They approved the request late ( XXXX ) XXXX or XX/XX/XXXX ; I ended up not needing the deferral and they cancelled it. IN THE MEANTIME, I never missed a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: GA

Complaint narrative:
I mailed a letter to Equifax on XX/XX/XXXX to investigate the following : I have carefully reviewed my credit report and can't seem to make sense of some items you are reporting. I need you to take a look at the following items due to the fact that you are hurting my good name by reporting these inaccuracies. Account Name : XXXX XXXX AND XXXX Account Number : XXXX How can there be 3 different dates of last activity listed? Equifax reports XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX reports XX/XX/XXXX. Per FRCA laws, your agency must report accurate information on my credit report. According to this inaccuracy you are in clear violation of the FCRA. Delete for inaccurate data being furnished on my credit file. Send me a copy of my credit report once you have done my request. My concerns were never addressed, I received a notification on XX/XX/XXXX that my dispute results were available for review. The results were that this account was update. The only Item that was updated on my report was the date of dispute. The reporting agency did not acknowledge or provide an explanation to my questions or concerns. Ive been disputing the inaccuracies of this account for going on two years. The last complaint that I made about the agency was closed as the agency stated that information would be provided to me. After this complaint was closed the only notice that I received from this agency is they would not investigate this account again if I didnt provide another reason for dispute. However, Ive provided the agency with numerous inaccuracies regarding this account. From the date of last activity, high balance, balance owed, date of last payment, term length, and account status. I will not accept Equifax stating that they will provide me with more information in order to close this complaint. This agency needs to update this account with correct information or delete due to the inaccuracies. Saying that this matter has been initiated with the with the data furnisher will not do. I received a copy of my credit report from Equifax dated XX/XX/XXXX. Within this report all the Date of Last Activity is blank. Isnt this considered an error on my report? I ask that this investigation be reopened or Ill file yet another complaint against this company. Please review my previous complaints against this company due to their inability to provide facts of why these inaccuracies are still on my credit report. XXXX, XXXX and XXXX are complaints against this company for reporting inaccuracies on my report and CFPB closed these complaints are the company states that they initiated an investigation with the data furnisher. Have Equifax provide the proof of the previous investigation back in XXXX of XXXX and provide to both the CFPB and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: NC

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. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-03-14 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: FL

Complaint narrative:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain credit.

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 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth Third Bank is my mortgage provider. 

Fifth Third Bank locked me out of my bank account by disallowing my email ( XXXX ) after 1.5 years of having this email. Unbeknownst to me, a hyphen was no longer accepted. When I realized that I could no longer access my online banking I went into Fifth Third Bank to make a mortgage payment and deposit money into my account.

Fifth Third failed to apply my payment towards my mortgage and deposited the payment into my checking. The account balance was not adequate prior to my deposit to cover the mortgage. I also have optional overdraft coverage enabled which failed to cover the mortgage charge even though Fifth Third states that bill pay is covered by the overdraft coverage feature.

I discovered that Fifth Third Bank reported to the credit bureau that have been past due on my mortgage twice and went to speak with my local branch manager. She stated that if I applied a payment with the late fee that it would not post as past due on my following monthly report. The branch manager made the payment in her office on my behalf only to discover that it was still reported as past due. I have been current every month following this misapplied payment.

With many failed attempts trying to work with Fifth Third Bank to revise this I am formally submitting this complaint and will further escalate this to legal action if not revised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I signed a contract with U.S. Auto Sales/U.S. Auto Finance to purchase a XXXX XXXX XXXX ( vin number XXXX ), at the price of {$35000.00} including a finance charge of {$14000.00}, in addition to a down payment of {$2000.00}. 

I was not fully disclosed of all the facts of my contract before signing. I did not receive notice of my right to rescission upon signing such contract, nor was I disclosed of the fact that my down payment was included in my finance charge and that I was gifting my cash to them. 

Pursuant to 15 U.S.C 1635 ( a ) the creditor shall clearly and conspicuously disclose the facts of my right of recission, in addition to providing the proper forms, which was misrepresented by an exchange program by the creditor nor were any of the proper forms provided to exercise my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
During the week of XX/XX/XXXX- XX/XX/XXXX i called EXPERIAN to discuss some incorrect items on the file they have on me, XXXX XXXX a consumer in fact. While on this call i spoke to representative and explained that EXPERIAN had reinserted some accounts back in the spring of XXXX that had been deleted around XXXX of XXXX. I asked the representative why had they not notified me of the reinsertion as stated in The Fair Credit Reporting Act in 15 USC 1682i ( B ) ( ii ) ( iii ) to which he had no response. Then I explained that according to The Fair Credit Reporting Act IN 15 USC 1681b ( 2 ) they can only furnish a report and under no other circumstances according to the written instructions of me a consumer to which the representative told me that title 15 chapter 41 subchapter III is not the law and EXPERIAN does not have to follow it. I then explained that the agent was wrong and can take some time and look up the federal laws I had quoted to which he refused and at times told me to be quiet which to me was highly unprofessional. These accounts have been affecting me for almost 2 years and i've tried several times to address this matter with EXPERIAN to no avail. As a victim of identity theft I filed a report with the FTC sent it in to the appropriate consumer reporting agencies and some of the inaccurate information was removed while others were kept even though they were on the report ( see attachments ). I have been denied multiple times do this inaccurate reporting by EXPERIAN. Furthermore I explained to the agent that according to 15 USC 1681b ( 6 ) due to the fact that EXPERIAN, XXXX, & XXXX operate nationwide they should have removed the accounts just as XXXX AND XXXX did as they had alerted one another in order to keep accuracy on all reports and comply with this law. The agent still said there was nothing he can do and was still speaking to me in a manner that was very disrespectful. The hardship this has brought to me and my family cant be explained in words but i am making that attempt now. I have no confidence nor trust in EXPERIAN as they have willfully and knowingly keep reporting these inaccuracies as stated in 15 USC 1681n. the Fair Credit Reporting Act states that the banking system is dependent on accurate reporting and EXPERIAN is not exercising its grave responsibility to me a consumer and is not being equitable by its continuation of reporting inaccuracies. the accounts are : 1. XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX 2. XXXX XXXX XXXX - ACCOUNT NUMBER XXXX 3. XXXX XXXX XXXX - ACCOUNT NUMBER XXXX I have filed a new FTC report to go long with this complaint as well.

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 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Io, Inc.
State: VA

Complaint narrative:
Receivable management systems have been trying to collect A {$470.00} debt from patient first from four years ago maybe like 4 1/2 years ago they have been destroying my credit they have been reporting two times a week instead of once a month as they should this is ridiculous at this point Id rather them take me to court and try to sue me for it because if I show the judge what they doing is illegal I have tried to dispute it Ive asked them to remove it its past the time it should be on my credit they dont care they do what they want to do I feel hopeless and I really need the debt removed off my credit What happened is I felt stick at work for years ago I went to the doctors at patient first they check your insurance to see if its active it was going to expire two days after that visit they said it was accurate the doctor saw me they must have tried to charge the insurance After the two day market and because that is expired and they couldnt get their money this is not my fault and they have been harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: TX

Complaint narrative:
Unauthorized and inaccurate reporting to my consumer report multiple violations and failed to fix problems

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
I had put money into a transportation reimbursement account through XXXX, my old job 's payroll vendor, which was managed by Optum Bank. I had {XXXX} left in the account when the firm I worked for shut down. At some point in XX/XX/2021 Optum Bank said they had returned my money to my old employer, but my old employer no longer existed. I have tried multiple times to get a straight answer about where my money is and have never received one. I followed up with XXXX and they said that the money was irretrievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I havent Been to XXXX XXXX emergency in XXXX Verified by calling Billing Department on XX/XX/XXXX at XXXX My Account Balance with them is {$0.00} I have disputed Ability Recovery Service Company Several times. : XXXX XXXX. XX/XX/XXXX. {$760.00} amount is Not Mine. It is Preventing me from getting a mortgage loan. Please Remove or post to my account for Detailed Reason for Collection Amount inaccuracy XX/XX/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 2022-03-14 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: NY

Complaint narrative:
On XX/XX/2022, I disputed three collection accounts being furnished to my credit report by Transunion. Only one of the collection accounts from the same company has been deleted. I am requesting that the other two collections being reported, be deleted and blocked immediately. The name of the accounts are XXXX and XXXX. The disputes were completed on XXXX XXXX. Please see the attached documents.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed bankruptcy in XXXX. My mortgage with XXXX XXXX was not included in the bankruptcy, I continued to my on time monthly payments until XX/XX/XXXX. I paid the loan off in XXXX of XXXX. I have a lien release letter from XXXX XXXX and a Certificate of Satisfaction letter for this loan. 
XXXX XXXX, stopped reporting my payments to the credit bureaus in XXXX, as if it were part of the bankruptcy. The account is still open and shows the amount on the loan in XXXX ( XXXX} ). 
My credit report should reflect all payments made through XXXX of XXXX, and then closed in XXXX of XXXX. As, again, I made all on-time monthly payments through that date with no acknowledgment.

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 2022-03-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Servicing, Inc is the current servicing company for Account Number : XXXX, and I would like to know the name, phone number and address for the OWNER of this loan. I would also like to DISPUTE some charges that has been applied to this account. I spoke with a representative today who refused to release the name of the lender that owns the 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 2022-03-14 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: SC

Complaint narrative:
I Was taking advantage of due to malpracrice while several laws have been broken under the FCRA by your company.This has caused me financial injury and deformation of character. This is preventing me from applying for credit and getting loans

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