vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
There was money stolen off my account on XX/XX/2022. Whoever tried to take the money attempted to take over XXXXXXXX XXXX more than what was in my account but, they ended up taking XXXXXXXX XXXX from me. My card was never stolen or used by any other person so, I contacted Current the same day that this happened on XX/XX/XXXX and I was told to try to get in contact with the merchant but there was no way to contact the company that the money had went to. After realizing this, I contacted Current again and they told me I could file a dispute when the charges settled so I did. I filed a dispute on XX/XX/XXXX and received an email saying that they would give me updates about the dispute as they did the investigation. I never received any updates about the dispute and on XX/XX/XXXX I received an email saying that the dispute was complete and there was no error so I could not get the money back that was taken from me. After seeing this, I sent an email to the dispute team at current asking for the full investigation report. I was told I would be contacted within 24-48 hours after sending them an email asking for the report and I was never contacted within that time frame. I contacted Current again asking for the full investigation report after I received no response in 48 hours and I was told the same thing that I would be contacted within 24-48 hours. ( Every time I talked to them was over text chat so I was never able to talk to them on the phone because they said there line was not working at the moment ) I still received no response within 48 hours so I contacted them again asking for the full investigation report and I was again, told I would receive a response within 48 hours which again, I never got. So after I got in contact the 3rd time with Current over a text chat asking for the full investigation report, I was told that the least information they can give me for the investigation is what they sent in the first email saying that there was no error even though I received an email saying I can get the full investigation report. After showing Current this email while chatting with them, they said I would be contacted again within 48 hours. They finally contacted me XX/XX/XXXX saying that because there was funds that came into my account the day before, they believe I anticipated the transaction and that there was no 3rd party access but, I was not told how they know there was no 3rd party access and they claim to do thorough investigations and that the decision is final. I never made the transactions though and I never talked to anyone on the phone throughout this whole process and was never updated about the details of my dispute. It seems they based their investigations from the money that came into my account the day before, and they do not perform thorough investigations or want to help their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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:
XXXX XXXXXXXX account ending XXXX, in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan 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 explanation
Consumer complaint received 2022-09-27 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: UT

Complaint narrative:
1 ) the attached letter was a minor request at improving my credit. It may not affect my scores because it doesn't now. All I asked was since they are falling off relatively soon if they could be removed sooner, as they neither help nor hurt my credit. I got a blah response from XXXX  which didn't say much but they put on my report that I'm disputing the item which I'm not! I just asked to have them removed early as they're due to drop off soon anyway. They need to learn how to read and listen. They're terrible at both! 

2 ) XXXX  # XXXX- the limit on this account is incorrect. It was set at {$2200.00}. However with it showing the opposite with it appearing that I went over a preconceived limit that never existed, it looks like I was irresponsible and over spent! I did not. I was in a huge fight with XXXX  over a bad principal only purchase program they put in place that was terrible, neither they nor XXXX knew how it worked. They charged off the account, charged me a lot of unnecessary fees for things I shouldn't have been when they were pretty much paid off. They never correctly applied my payments either. This needs to be corrected now.

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 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX initial account opened. Somebody was paying bill while buying more items. Latest debt collector sent certified letters to an address I never lived at ( same as others ) should be fraud knowing I don't live there. ( A simple XXXX search would show that ) Debt collector very rude and mean. Billing an address, I never lived at, wrong social security number somebody else 's cell number and bogus work number also an employer I never worked for. Have all paperwork showing the house I bought and live at is different. Application from XXXX wrong work number, wrong cell number, wrong social security number. Debt collector should be fined. Where can I send my proof to? Midland credit management ( current owner Asset Acceptance , LLC ) XXXX XXXX XXXX original creditor XXXX  XXXX. ( Internal legal account no XXXX ) last 4 of original account number XXXX  is all they have on paperwork. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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:
XXXXXXXX XXXX, in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan 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 2022-09-27 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: IL

Complaint narrative:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. Also XXXX has updated me report correctly, its just Equifax with some inquires and XXXX with some accounts and inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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:
XXXX XXXX XXXX, in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on an automobile loan account under anopen and consumer credit plan 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 explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XXXX XXXX, XXXX I entered the hospital by ambulance, had XXXX XXXXXXXX and then my XXXX went into XXXX. It was a serious issue and I have had other hospital visits about this. 
On XXXX, XXXX I was moved by ambulance to a recovery center to gain strength and to help me to walk with a walker. 
I came home on XXXX XXXX, XXXX. Then I saw the XXXXChase cc card bill. I paid for my charges on the bill. I closed the account. I contacted Chase to report them as unauthorized. 
The charges : XX/XX/XXXX @ XXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$96.00} XX/XX/XXXXXXXX @ XXXXXXXXXXXX XXXX and XXXX # XXXX {$120.00} XX/XX/XXXX @ XXXX XXXX XXXX XXXX  # XXXX, XXXX {$370.00} XX/XX/XXXX @ XXXX XXXX XXXX XXXXXXXX # XXXX {$150.00} XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} I contacted Chase many, many times and explained what happened to many people. I gave them all the information I could remember at that time. I sent the hospital notes of official dates of arrival and discharge dates. They asked if I loaned the card to anyone or left it sitting out. NO. My card was at my house until I was moved to the rehab, in XXXX. I believe my husband brought my purse to me and I didn't know it. I wasn't really awake at first. He doesn't remember. It may contradict the info I gave Chase in the beginning, but I answered the best that I could remember. So, I am guessing that I was stolen out of my locker. I was asked by a Chase person that maybe I decided to go " shopping '' while in the ambulance to rehab. 
I answered their questions the best I could. If I buy something I pay for it. I am XXXX and too old for such theft. I do believe they thought it was me since the start. Apparently the person had the card because it couldn't be used with out it being in their possession. No matter what, these are not Authorized purchases. They still remarked I was responsible. 
They never mentioned that I should have filed a police report. Not sure that would have helped. Can I do one now? I am at a loss of what to do. I wouldn't pursue it if I did the charges. I am so tired and angry and frustrated. I hope you can help. Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
In XXXX of XXXX, I applied for a forbearance on my mortgage. In XXXX of XXXX, I contacted the mortgage company to end forbearance and apply for a modification of my mortgage. 
Initially, Mr. Cooper willfully misinterpreted my request and began to process a " partial claim. '' After requesting excessive documentation from me, they sent me a denial of my partial claim and cited VA guidelines as justification. 
I contacted the VA for guidance, and a helpful representative informed me that I need a modification, not a partial claim. Mr. Cooper should have been aware of this from the beginning and had no reason to fraudulently process a partial claim. 
Mr. Cooper then began to process a loan modification. They asked me for the same documentation as before, which I faithfully re-submitted. Then they asked me for the same documentation again. And again. 
To this date, I have nearly hundreds of e-mail requests for documentation, all of them identical. I have replied to each unique request, and in many cases, I have submitted repeat requests for documentation. However, Mr. Cooper shows no progress or intention to process my request for modification. Some of their requests have been truly impossible to procure, such as notarized and translated utility bills and tax information. 
It has been seven months since I began this process, and in that time, my delinquent balance has ballooned to an unmanageable amount. I fear that this balance will continue to grow until Mr. Cooper is forced to foreclose on me, because they are unwilling to process my modification in good faith. I have repeatedly offered to resume monthly payments to prevent the growth of my delinquent balance, but Mr. Cooper has rejected my attempts to make responsible loan repayment. 
I am attaching just one of these recent requests for documentation in conjunction with proof that I have submitted aforementioned documents. 
In summary : Mr. Cooper refuses to process my modification, repeated requests copies upon copies of previously submitted documentation, and refuses to accept monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
This is my second complaint because the company 's response to my first complaint did not provide an adequate response. 

I am under a repayment plan at this time. As stated in the company 's prior response, I have a balloon payment due, in two months, at the conclusion of the repayment plan term, exceeding {$40000.00}. I contacted the company to start an application for a modification as I know that I will not have this large balloon payment amount. I would like to resolve the issue before the end of the repayment term to avoid payment delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian You Violated The United States Code Law 15 U.S. Code 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.

In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission. 

( The dispute for the account with XXXX  that starts with XXXX I was never late. 
The dispute for the account with XXXX that starts with XXXX I was never late. 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX I was never late. 
The dispute for the account with XXXX that starts with XXXX I was never late. This is alleged debt trying to be imposed on me. 
The dispute for the account with XXXX XXXX that starts with XXXX I was never late. 
The dispute for the account with XXXX XXXX that starts with XXXX I was never late. The dispute for the account with XXXX XXXX XXXX that starts with XXXX XXXXXXXXXXX I was never late. 
The dispute for the account with XXXX XXXX that starts with XXXX I was never late. There is information that 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 deleted. My request to delete is not being made in error ; nor is my request to delete being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXXXXXX

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 2022-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX loans reported my account past due to credit reporting bureau for the month of XXXX and XXXX. Even though my payments were automatically debited from my account for years prior, XXXX stopped debiting my after balance were payed off from original loan, but not the deferred balance from a previous company and automatically report my account as delinquent without notification the deferred balance would not be automatically taken from account like all other payments and I wasnt aware of this I feel they should of made me aware that deferred balance doesnt qualify for automatic payments

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 2022-09-27 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:
XXXX loans reported my account past due to credit reporting bureau for the month of XXXX and XXXX. Even though my payments were automatically debited from my account for years prior, XXXX stopped debiting my after balance were payed off from original loan, but not the deferred balance from a previous company and automatically report my account as delinquent without notification the deferred balance would not be automatically taken from account like all other payments and I wasnt aware of this I feel they should of made me aware that deferred balance doesnt qualify for automatic payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX loans reported my account past due to credit reporting bureau for the month of XXXX and XXXX. Even though my payments were automatically debited from my account for years prior, XXXX stopped debiting my after balance were payed off from original loan, but not the deferred balance from a previous company and automatically report my account as delinquent without notification the deferred balance would not be automatically taken from account like all other payments and I wasnt aware of this I feel they should of made me aware that deferred balance doesnt qualify for automatic payments

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 2022-09-27 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: PA

Complaint narrative:
Equifax and XXXX have refused to properly investigate I the consumers credit file regarding a collection that has been effecting my financial life, XXXX has deleted the inaccuracy but the other two CRAs haven't. 

The debt collection agency ( XXXX XXXX XXXX  ) has failed to validate the debt after I requested a validation via mail certified, which is a violation of 15 U.S. Code 1692g - Validation of debts. being so such information shouldn't be furnished in the first place SEE ATTACHED-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: OH

Complaint narrative:
I am waiting to delete the following information In my life. The items I need deleted are listed in The report. 
I am a victim of identity theft and did not make The Charge.

I ask that the items be deleted to Correct my credit report. 
I reported the theft of my identity to the federal Trade commission and i also have enclosed copies of the federal trade commission identity theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation