vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 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: CarMax, Inc.
State: GA

Complaint narrative:
Thank you for the opportunity to explain the late payments and issues on my credit report. 

In XX/XX/XXXX, after a lot of hardwork I was blessed to be able to purchase a home in XXXX XXXX, GA for my daughter. 

From the time of purchase up to the beginning of COVID my daughter either paid her mortgage to me ( usually by transferring from her NFCU account to mine or by XXXX ). I would then pay the mortgage via XXXX XXXX. Within a month of COVID ; however, my daughter lost her job. After using the few months pay shed saved, the mortgage became my responsibility. Not just because the loan is in my name, but because as her Mom it was my responsibility. 

Then, not to get too personal, in the midst of COVID ( XXXX ) and her job loss, I found out my then husband was having an affair with an XXXX driver after only 5 months of marriage ( cant make this up ) AND hed lost his job, leaving the mortgage on the home I shared with him as my responsibility, as well as, all household expenses for both houses. 

So at this point, Im paying two mortgages, two car notes, utilities in two houses and credit cards for each of us on top of dealing with what ended up being the beginning of the end of my marriage. 

I eventually separated from my husband in XX/XX/XXXX. My divorce was final in XX/XX/XXXX. 
Prior to my life turning upside down ( XXXX ) Id accepted a position below my previous level of pay to reduce the stress in my life but, after trying to carry two households on that salary through XXXX and part of XXXX ( where most of the late payments occurred ) I was forced to take on multiple full-time jobs to support my family. 

I am quite aware that the late payments are horribly reflection of creditworthiness, but I do want to point out that throughout all of the above episodes, I may have paid late many, many times, but my family remained in our homes, our cars were not repossessed, our utilities stayed on and there are no charge offs on either of our credit. I did this after speaking with all of my creditors, explaining the issue to them and letting them know I would try my best to keep paying all my bills. 

ON TOP of all that XXXX XXXX XXXX XXXX and the XXXX XXXX Police notified me in XX/XX/XXXX that someone had come into the XXXX VA branch with fake id 's and my lost debit card attempting to withdraw money from my bank account. I live in GA. I have been working with the police in both GA and VA to try to get a small mountain of identity theft items resolved that I was not even aware of until they contacted me! 

I have emailed each of them asking that they honor their word and remove late payments under the CARES Act to no avail. I need the help of CFPB. I am exhausted at this point. Had I know I'd get treated just like someone who didn't pay at all, I wouldn't have killed myself trying to not let anything fall behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: FL

Complaint narrative:
I received a copy of my credit report and found the following item ... XXXX XXXX - amount {$350.00} to be a Violation of my Rights. I do not know this company nor ever did business with them. 

HIPPA laws do not allow my doctor or health care provider to share my medical files without my consent under a HIPPA release I do not know this company or ever had business with them. This company contacted me. They did NOT provide me a HIPAA release that releases my medical information to a 3rd party, therefore by providing me with my medical information they are in VIOLATION of my HIPAA rights. I will seek every legal remedy available to me and file suit against the credit bureau responsible. for reporting violations This account is : Violation of my HIPPA Rights Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In accordance with the Fair Credit Reporting act XXXX XXXX has also 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 This account has been removed from XXXX and XXXX due to many violations Equifax states this account was varified as accurate. I am requesting the information below and ALL the information that was provided to Equifax 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for or delete ; 2. The name, address and phone number of each person you spoke with that varified this account or delete 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed HIPPA Release and original signed contract with me and XXXX XXXX or delete ; 5. Provide payoff discllosures, interest rate disclosures or delete ; 6. Provide collections ; license number and court documents that allow XXXX XXXX to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are you cellecting on the original account holders behalf or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 someone had sent me {$410.00} on XXXX through Chase Bank. This person said that they sent it to me accidentally and to send it back which I did immediately. As seen in the screenshots this person requested the money but after it was sent they canceled the request payment because I sent the money back.This person made a claim and reversed this charge so Chase took {$410.00} out of my account. I have tried to contact this person but I have had no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
The company was hired to collect a debt that I do not owe. I traded in my car in XXXX to a dealership and the car was sold through an auction. The car was later towed and stored at said company. Then debt was then sent to collection company and they try to collect from me. 
XXXX - trade in car XXXX - car became dealer inventory XXXX - dealer serviced vechile XXXX - Vehicle sold an auto auction XXXX - tow company got car XXXX - collection agency contacted me XXXX - i contact and inform situation - had letter from dealership also sent XXXX - collection agency contact again via mail - sent mail to family 's house XXXX - contact and person on phone was rude and did not want to talk to me about the situation besides wanting to collect the debt and told me to talk to his boss about lowering the amount and pay - told him no i will talk to boss about situation, told me that he had to go because there is other calls comiung in and hung up - before haning up asked about my personal business / home - told me that lien will be put on property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Texas Guaranteed
State: TX

Complaint narrative:
I have emailed XXXX over 20 times and havent received 1 single direct response. They have only issued a copied and pasted response to CFPB ( constantly referencing old things that have nothing to do with my complaint ) and Trellis that ignores 2 important points. There was an additional point but I know XXXX will admit that they lied to a 3rd party for legal reasons. 

Now XXXX at Trellis is ignoring emails and when he did respond it is to give information to contact DOE FSA Ombudsman which they were already told had previously been done and because this is a private loan the FSA ombudsman cant and wont get involved. Trellis is also ok with them not directly answering the 3 points I have been trying to get directly addressed for months! Its not rocket science simply directly and specifically address my points I need the following directly answered : 2 ) Because XXXX is the original creditor they can contact for due diligence HOWEVER per CFPB and FDCPA I can control HOW XXXX  contacts me and they refuse to acknowledge it and confirm that Email and my XXXX XXXX only are the only forms of communication to me allowed as anything else is inconvenient. The ignore it and repeatedly violate it with 3rd parties 3 ) XXXX ignores any and all emails sent directly to them no matter what I ask. How am I supposed to communicate when they simply ignore all emails? I know they receive them as I occasionally get out of office replies. The only vague non direct response given is only when I file a complaint with the CFPB. I shouldnt have to repeatedly file complaints with CFPB to get an answer when they all have emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have Venmo in XXXX I received a settlement check from my old job. I just finding out that it went Venmo. I signed into my Venmo app all of sudden the frozen my account. They ask me to send them identification I sent it .now it been weeks later no body gotten back me .they holding people money hostage and it not fair. They say six days for them to resolve the matter it almost three weeks later. You call the customer service and they tell the consumer the department dealing with it doesn't have a phone number.i have email the CEO and they still have not gotten back to XXXX need my money it been hard on my because of them and there poor behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
Quick Credit- was violating Part 15.9 of the FCC to solicit illegal lending opportunities outside of federal guidelines and misusing illegally obtained personal data to do so. Targets subprime would-be borrowers through illegal means of obtaining information including violating privacy laws and spying on those they would solicit to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX  ( 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 2022-08-08 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: AZ

Complaint narrative:
I was XXXX  from XXXX. 
XXXX, XXXX and XXXX XXXX XXXX have unpaid Medical charges on my credit report during that time. 
I have sent them my XXXX  records ( and other documents ) confirming my XXXX  dates. 
They have done nothing to correct the situation.

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 2022-08-08 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:
I am XXXX XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I deposited a check # XXXX in the amount of {$90000.00} from account ending in # XXXX that I hold with XXXX XXXX XXXX XXXX for a HELOC loan that I own into my personal checking account with Bank of America on XX/XX/XXXX. BOA accepted the funds on XX/XX/XXXX and have been holding these funds since then in a " pending '' status as they deemed the check counterfeit. They have since closed all of my personal banking accounts and have refused to release these funds to me that I rightfully own. I have contacted bank of America numerous times over the past three weeks along with representatives of XXXX and a personal hired attorney to provide validation of funds and rightful ownership over these funds. I am suppose to close on a home on XX/XX/XXXX next Friday. BOA is jeopardizing my home purchase and I am in the process of filing a lawsuit against BOA for damages that I may incur should I fault on this real estate contract. BOA has refused to work with me or provide me with any information regarding updates nor have they allowed me to provide any proof or material to show legitimacy of ownership over these funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I recently changed wireless carriers from XXXX to XXXX XXXX XXXX XXXX Of course, this was not without hiccups and challenges. While waiting for my final bill ( but not being behind on the XXXX  bill at all ), I received a collection notice from a company called Convergent. My account was not yet even 30 days from the final bill and I still have not received said bill. I had made at least one payment toward the bill directly to XXXX less than 5 days prior to receiving the notice from Convergent, and XXXX has verified that I my account has not been written off or put into collections. Despite this, I am fully aware that Convergent had to get my information from somewhere. With this reason, I would like to formally file complaints against both parties, XXXX and Convergent.

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 2022-08-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX I recieved a copy of my consumer report with the intention of improving my credit and taking care of my responsibility and i noticed an account that i want a little more explanation on. I am not saying that its reporting wrong or right im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it said by law i can challenge anyhting i am not sure is 100 % correct. In 15 USC 1681 i ( a ) it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accurate. By law you have 30days to complete your investigation or delete the account. Please investigate this account and remove it if theres anything missing XXXX XXXX  Please investigate if every piece of information on this account in accurate or delete the item

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 2022-08-08 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: CITIBANK, N.A.
State: IN

Complaint narrative:
XXXX XXXX shows a report of citibank credit card payments for {$23.00} a month for the past 4 years. i do not have a citi bank credit card, but my ex husband does. his information is being reflected on my XXXX XXXX report. i am not associated with his banking at all. and if he should fail to pay his debt it will reflect on my credit report. i want his charges off my 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 2022-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America has had me in a Modification since XXXX. Not really getting no answers. Now they have given me a new server for the mortgage, with all fees attached and filed for a forclosure, and added more fees to accommodate that as well. We are so exhausted with this process. Please consider some type of help with this extremely long process and all the added fees which are thousands of dollars, in which we are already in a struggle. They have been so misleading since the forbearance has ended. They have changed their words, all help from the beginning and now won't even conversate with you. Bank of America has been a great disappointment to me and my wife in a very hurtful manner.

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reached out to Experian on XX/XX/XXXX, XX/XX/XXXX, and today ( XXXX, XXXX 2022 ) about updating my personal information and they never responded or correct my info. I sent letters, I called, faxed, and I exhausted all resources and they are still not correcting my information. Can you please help me out. There are 2 addresses on my credit profile that are not mine.

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 2022-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
I received a letter dated XX/XX/22 regarding 3 accounts Phoenix Financial Services purchased. The letter stated that I had until XX/XX/22 to respond if I needed additional information related to the debt. After doing my own research, I determined that I need account detail because I believe that the accounts were already paid off. One account listed I was able to tie back to a paid in full letter the other 2 accounts did not have any recognizable information. I mailed a response on XX/XX/22 to request additional information. 

To date no information has been received. However, I received a notification that Phoenix Financial Services added 2 collection accounts to my XXXX Credit report on XX/XX/22 despite my letter stating that I had until XX/XX/22 to request account information. On XX/XX/22 I mailed another request via USPS priority mail w/ tracking to request the information again. The letter that I received is deceptive and damaging. Ive worked extremely hard to pay off outstanding debt to have this happen. Adding the debt to my Credit report before the date on the letter is a form of harassment in my opinion. No one wants to see collection accounts on their report or have their credit report impacted.

Company response to consumer: Closed with explanation