vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation and remove the false information from my credit report, they have yet to respond to me about this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation and remove the false information from my credit report, they have yet to respond to me about this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I participated in a program for a free phone from XXXX XXXX but after finding there was hidden fees and rules I decided to return it. I was to return the phone and I would receive a refund and all further charges stopped. That never happened instead they continued to charge me for a phone I had returned. after contacting XXXX with XXXX  on the line we were told the item was infact in the warehouse and that they would fix the issue, but that also never happened. In order to rectify their mistake of automated charges they we're issuing me refunds. One of the final times we spoke the representative said the issue was they weren't issuing the entire credit to absolve the debt, but she would and i wouldn't receive anything else. Some time passed after and I received a letter from Credit Collections Services in XXXX MA stating they would send me to collections if I didn't provide documents stating otherwise in approx14 days. I provided the information promptly stating that I didn't owe any debt and that the information was false. I. e. tracking number, invoice and email ; requesting they not move any further according to the law and my rights. Unfortunately, they have decided to move forward even though I've shown multiple documentations explaining in depth that there is no unpaid order, they are violating Fair Debt Collections Practices Act, section 809 ( b ). XXXX shortly thereafter emailed me requesting the payment as well as the Credit Collections Services, both attempting to collect. I do not have any devices or unpaid orders ( the date included in the bottom of the photo ). 

XX/XX/XXXX ordered. {$27.00} XX/XX/XXXX return issued. {$0.00} due XX/XX/XXXX sent XXXX XXXX  returns. 
XXXX phone arrived at XXXX facility and return issued again. 
XX/XX/XXXX charged {$28.00} XX/XX/XXXX refunded {$28.00} because the phone was returned {$0.00} due XX/XX/XXXX received collections letter dated XX/XX/XXXX in the amount of XXXX. 
XX/XX/XXXX disputed the claim with Credit Collections services XX/XX/XXXX received an email from XXXX requesting {$390.00} XX/XX/XXXX received letter from collection saying they are proceeding to collect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Couch Lambert LLC
State: LA

Complaint narrative:
FAILED TO VEFIFY DEBT WHEN REQUESTED In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX, XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 USC 1692g Section 809 If the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear CFPB ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have been on the phone relentlessly over the last year with your customer service representatives in regard to unfair, and fraudulent account reporting on my personal credit report. Your representatives mentioned due to a lack of staff that they are working on fixing and permanently removing this from my credit report. It's now been over 4-6 months this negative entry continues to report on my credit report and it's causing me to get denied of credit in multiple locations. Not only this account is fraudulent, but it continues to report on my credit report with multiple inaccuracies, incomplete information, and inconsistencies with Dates of last active, dates of last reported, dates of 1st delinquencies, etc. It's my understanding from reading online that under the provisions of consumer law FCRA, once an account is reporting in charge-off status, it can not continue to report late or past due or c/o status. Plus why it only start reporting 120 days 3x times? What happened to 30/60/90++++ days late? this is fraudulent and inaccurate and in violation of my consumer law and breach of my privacy. It's also unverifiable.

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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/22 Wells Fargo sent to me a notice informing me that they would delay the availability of the funds because THEY BELIEVED the CHECK MAY NOT BE PAID. 
Deposit date XX/XX/22 amount XXXX amount delayed XXXX which put my account XXXX in the negative. My account was placed on hold which affected my direct deposit not to mention the inconvenience. I have reached out to Wells Fargo multiple times with today being the most recent, only to be given the run around again and finally told that they couldn't process my claim.

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 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist stated that XXXX sent in my XXXX payment but they can not process it until the state releases the funds. No one has ever heard of this so I need to know whats the hold and why is the state holding the funds! XXXX has also not sent XXXX payments to XXXX XXXX XXXX for my internet payments. I have to call them every single month and Im getting no where. Its so frustrating!

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX Inquiries on my credit report that I did not authorize. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX Inquiries on my credit report that I did not authorize. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX XX/XX/XXXX my flood insurance policy expired and I did not get notifications/ or saw the notification from NewRez until the end of XX/XX/XXXX, letter was dated XX/XX/XXXX so NewRez , my mortgage company placed forced flood insurance for {$310.00} per month, which is 3x the amount. And the policy that was not paid was only {$570.00} for the year. I found out through the agent XXXX XXXX  XXXX XXXX XXXX that it had expired, and the bill was sent to XXXX XXXX XXXX, which is a place I refinanced back in XX/XX/XXXX. I never received anything from XXXX XXXX XXXX Next step I contacted bankers American insurance and they basically told me they cant go back and reinstate the policy that I need to contact my agent to rewrite the policy. I then contact the new Rez where there was documentation that back in XX/XX/XXXX an agent was contacted at XXXX XXXX XXXX XXXX, asking for them to send over the bill so it could be paid and that XXXX never got to them. My main concern here is that I dont feel like I should have to pay the extra in my escrow for the shortage due to the fact that a lot of people drop the ball and they didnt get paid and they place the forced insurance that is 3x times the amount my original policy instead of something more comparable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I asked ALLY Bank close 4 No-Penalty CDs on XX/XX/2023. They did not close the accounts in 1-2 business days as promised. Some of the CDs took 6 days to close and one is still not closed as of today ( three weeks later ). I asked that the money from the closed CDs be transferred into a savings account at ALLY bank that paid a higher interest rate. Because the CD closures were delayed, I was paid a lower rate of interest on that money than I should have. I called many times asking them to rectify the situation and as of today, it still has not been resolved- despite the ALLY Bank agent saying that the Bank will correct the situation. I suspect that I am not the only customer who ALLY Bank underpaid interest. Most people don't notice or are too busy to chase them down. I have spent several hours on the phone and emailing them. 

If the CFPB investigates ALLY Bank, they XXXX find that ALLY Bank has a pattern of keeping money that is owed its customers. The ALLY Bank agent I spoke to said ALLY BANK has been understaffed. To rectify the situation, perhaps the CFPB can prevent ALLY from accepting new customers until it shows it has adequate staffing and can maintain proper internal controls. Or, perhaps ALLY Bank should be broken up into smaller banks that would be easier to manage. If there were more smaller banks wouldn't competition increase, so the quality of service in the industry would improve?

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
I disputed a charge on my card ( XXXX ) on XX/XX/2023 from a purchase at a cell phone retailer. They sold me a defective phone. The cell company customer service acknowledged it would be replaced, the physical stores are refusing to do it without charge. I spoke with a district manager and he committed to ordering me a new one but has since gone unresponsive and it's been over 2 weeks. 

The dispute I filed was for services not rendered and I expected an investigation. CashApp then denied the dispute within 24 hours without a reason. I requested for them to send me documentation and the documentation was vague and gave no reason. I called to get more information and they refused to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
We received a text message and phone call from the number : XXXX stating they were " Chase Bank : Fraud Department '' and there was fraudulent activity on our Chase joint account. My husband was skeptical but they were able to identify themselves as Chase bank in numerous ways. They used an editing system of some kind on the back end, pretending to close our joint account and open a " new '' account under my husbands name, but it was really XXXX XXXX 's account from XXXX scamming us to transfer {$7500.00} from our Chase account to his XXXX XXXX account. Chase bank was completely useless in helping us get our money back and very bad a communication. We feel violated and someone now has {$7500.00} of our hard earned money. We worked with our local Chase bank branch and called the Fraud department daily. We sent secure messages to the wire transfer team because that is the only way we can communicate with them and they never responded to our original messages about retracting the wire transfer immediately. They NEVER responded. We finally got them to respond 3 weeks later by myself ( wife on joint account ) sending a secure message and they said they can not send an LOI to XXXX XXXX to retract the funds since we initiated the wire transfer. IT WAS A FRAUD SITUATION and they still will not cooperate and barely communicate with us. We have nine accounts with Chase bank, including our mortgage and we do not feel safe with having our money with them any longer. We hope you can help us or catch him!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made a payment on the credit card in order to make computer purchases for an employer. The credit card company made me go over the limit by $ XXXX. Then would not give me an explanation on why the payment was reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
Dear Freedom Mortgage ; Office of President XXXX XXXX ; I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX ; and XXXX & XX/XX/XXXX late when I was hospitalized with XXXX. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, being XXXX  with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to 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 2023-01-31 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation, they have yet to respond to me and continue to reject removing these false entries from my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried numerous amount of times to have my information updated and it is still incorrect. As well as following through and contact merchants to ensure that accounts are in good status and payments have been made, but the bureau is reporting them as delinquent and incorrect. I have even paid money to get things fixed and corrected yet my information is not and may have actually been leaked for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). 

Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, Experian and XXXX will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, Experian and XXXX to get the following medical debts under {$500.00} removed from XXXX XXXX removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.

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 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). 

Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, XXXX and TransUnion will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, XXXX and Transunion to get the following medical debts under {$500.00} removed from XXXX XXXX removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.

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