vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX  XXXX have 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
the mortgage was transferred from XXXX XXXX XXXX to Mr. Cooper in XXXX as the new mortgage servicer and all monthly were made and the account is up to date. 

As such Mr. Cooper without my knowledge obtained the property tax records and added the {$1300.00} tax amount for this year to the mortgage escrow impound. Resulting in the mortgage payment increasing from {$890.00} to {$1200.00} beginning XX/XX/XXXX. Note : ( this home maintained a Homestead exemption due to the previous owner XXXX it was afforded a tax exemption so taxes were not paid ) This new payment exceeds my ability to continuing paying the mortgage. Funds to pay the taxes had been set aside and available since XX/XX/XXXX of which I have the responsibility of paying not Mr. Cooper. 

I have not been able to get a resolution to this issue as Mr. Cooper agents have claimed that I am not an authorized person on the account to access information on the Escrow question and therefore are not able to discuss any account details with me. 

The Letter of Administration for the Estate issued on XX/XX/XXXX from XXXX XXXX XXXX Court was sent to previous mortgage servicer ( XXXX XXXX XXXX  ) in XXXX of XXXX but apparently was not included in the account records received according to Mr. Cooper service representatives. 

The Letter of administration was emailed to Mr. Cooper on Tuesday XX/XX/XXXX and again today with additional clarification as to why they were sent to MR. Cooper. 

I am not in a position to pay a XXXX monthly mortgage payment going forward, I gave Mr.Cooper until Wednesday XX/XX/XXXX for access that they are withholding for and providing an answer on my request correct the Escrow analysis by removing the {$1300.00} tax amount as they are not authorized to collect and pay the taxes. As noted the funds to pay the taxes have been available since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NBT BANCORP INC.
State: VT

Complaint narrative:
They repo my truck saying that I have not paid NBT Bank since XXXX of last year. Which I have paid I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX CARD XXXX, and XXXX CARD XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX CARD XXXX, and XXXX CARD XXXX have 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: 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: GA

Complaint narrative:
XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$280.00} XX/XX/22 made payment to XXXX XXXX  for {$280.00} All payments were made on time but XXXX reported all payments late. I requested the bank to properly report my status but it refused to work with me. I notified the XXXX XXXX XXXX  about this issue and I was overlooked, and was refused for correcting the derogatory report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: 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: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
Received phone call from XXXX XXXX from MBNA stating that I have received notice in writing ( which I didnt ), and that they have been attempting to get in touch with me concerning a debt ( which I do not have with them ). Informed her that no one has contacted me in writing or via phone, than she threatened me with a law suit and told me I will need a lawyer and they would see me in court. 
Her contact number is 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
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The following phone number sent a text pretending to be Chase Bank : XXXX ( XXXX ) XXXX. They sent the following text message : Chase Team : We've temporariy suspended your onine access because the maximum number of unsuccessfu sign on attempts has been reached. To restore your access, pease verify : XXXX XXXX XXXX verify Thank you 2022 Chase Online

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX At XXXX XXXX XXXX I sent disputes several times stating incorrect balance an wrong information with out my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A transaction was made using this credit service and the product was unusable due to security and safety policies issued in light of XXXX. The merchant was unreachable and up to today, no response has been received about a credit or refund. The transaction has gone into collections and was left with no option or assistance by the credit issuer to issue some form of protection. Currently, I have set a minimum payment to be collected by the credit issuer however I am compelled to pay the maximum amount of interest for the past two years on a very small balance. I have contacted the credit issue or almost a dozen times to resolve and no level of authority within synchrony banks organization has demonstrated any ability to sort this out. I am left with no control over my ability to save from paying additional interest due to a locked and closed account. I am being forced to pay undue interest caused by PayPal credit/synchrony banks operational negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Since I've been locked out of my account, it's hard to provide to you actual dates. Here 's my story. I have had a credit card with Citibank for a few years. I kept receiving mailers and emails prompting me to open a checking and savings account with them. One of them said if I opened a savings account with a certain amount of money and kept it open for a certain period of time, I would receive a stipend of, I believe, {$200.00} from Citibank. I opened my account online and it prompted me to also open a checking account. I did that and set up my direct deposit, etc. About 6 weeks later, I transferred {$15000.00} into my savings account and on XX/XX/2022, I received an email stating my accounts were frozen and that they were closing them within 60 days of the date of the letter as I had apparently " violated the terms of my account per the client manual ''. At first, I thought it was a scam. I called Citibank, and they said it was indeed legitimate. No one could tell me what I had supposedly done and said I would receive a letter in the mail explaining everything. I never received any letter in the mail with explanation. Each time I called I was told there would be a letter, never received anything. When they froze my account, they locked me out of being able to even look at anything. So they basically took my money to use for whatever period of time they decide to keep it, with no notice and no reason as to why? I kept calling and their fraud department just kept putting me off. I called again today, to inquire as to when my funds would be returned to me. I as " on hold '' for nearly an hour. I got transferred around, and finally, the last person was with the fraud department and she told me that they couldn't access my account because it was under investigation and that I needed to call back in a week. I asked her why can't anyone at Citibank give me any explanations other than I'll get a letter. She wouldn't answer any questions, and effectively hung up with the " I'm going to terminate this call ''. I was not loud or rude with her, and she still hung up on me. Now I'm at a loss! How can they just take your money with no explanation and treat you like you've done something criminal. Please let me know if there's any additional information you need from me! Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have requested proof of debt, documentation that proves it is my debt numerous times and I receive nothing in return. I have disputed with XXXX XXXX and XXXX to get the items removed and they are never removed. I am owed proof of debt and they can not provide it. They keep changing the dates and amounts... ..I am owed proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX have 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA

Complaint narrative:
I have been sent a letter in the mail demanding {$1600.00} - I will not pay this & I am disputing the validity of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/2022 an extension agreement was approved on my account! I made those payments as agreed and this company reported to the credit bureaus that I was late when in fact I wasnt. Ive called multiple times and today I spoke with a representative that said she didnt see the extension on the account only a catch up arrangement, she put me on hold after I asked for a supervisor and rerouted me to the main line where a representative hung up on 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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Accounts : Creditor XXXX XXXX opened on XXXX XXXX Amount XXXX Creditor : XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX Amount XXXX Creditor : XXXX XXXX opened on XX/XX/XXXX Amount XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation