vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc.
State: OH

Complaint narrative:
I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to ADVANCED RESOLUTION SERVICES INC. , and there is no third party involved. ADVANCED RESOLUTION SERVICES INC., has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. I ALSO, DEMAND ADVANCED RESOLUTION SERVICES INC., VERIFICATION METHOD. WITHOUT RECOURSE. 
I HAVE WRITTEN YOU ONCE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/2022 at XXXX I received an email from Chase Bank stating my new Chase XXXX XXXX account is open. At XXXX XXXX I received another email from Chase that my email address had been changed as requested. I did not open an account with Chase Bank. I went to Chase and they verified I had an account with my name, date of birth and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
my name is XXXX. I succeeded my mother. I am writing to you because SPS is try to schedule a sale. I have a complete short sale application pending with SPS. I would like SPS to cancel the hearing for tomorrow to schedule a sale date. SPS is dual tracking and that is a violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: OH

Complaint narrative:
I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to EQUIFAX and there is no third party involved. EQUIFAX has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. ( EXHIBITS PROVIDED ) I ALSO, DEMAND THE EQUIFAX VERIFICATION METHOD. WITHOUT RECOURSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: GA

Complaint narrative:
Inquires on my Equifax report that I did not authorize : -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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Receivables Performance Management, LLC
State: NY

Complaint narrative:
XXXX trying to collect on my XXXX  account I spoke with a agent from the company on the phone she made a statement that my account with XXXX  can be recalled and a lawsuit filed against me under the fair debt collection practices it is a violation they have committed

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-05 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: CA

Complaint narrative:
Please see attached documents. I have disputed an account that Transunion is reporting in error EIGHT times, since last year stating in XX/XX/2021. They have not been able to send me proof of how they " verified '' the inaccurate information. This is clearly an reporting error and a VIOLATION of FCRA and it is to the point that if this is not removed /corrected I will pursue legal action against them,

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 2022-04-05 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: OH

Complaint narrative:
I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to CLARITY and there is no third party involved. CLARITY has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. ( EXHIBITS PROVIDED ) I ALSO, DEMAND THE CLARITY VERIFICATION METHOD. WITHOUT RECOURSE. 
I HAVE WRITTEN YOU ONCE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: FL

Complaint narrative:
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ), I, XXXX XXXX, consumer, never gave TRANSUNION LLC to furnish my information, you are in violation ( s ). You must comply with my written instructions and DELETE the account ( s ) mentioned in my letter, failure to comply with my/consumer written instructions by law 15 U.S. Code 1681b ( a ) ( 2 ) will result in TRANSUNION LLC fined for {$1000.00} ( per ) Account pursuant to 15 U.S. Code 1681n ( a ) ( A ) ( B ) and you will be invoiced for failing instructions, you must comply with instructions the day of receiving this letter/complaint. Best regards!

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 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: NJ

Complaint narrative:
I have received a5 letters and numerous phone calls from Diaz and associates. I told them to stop calling. I searched online and found out this is a scam company in XXXX The man repeated my social security number to me and was threatening. I do not have any account with this XXXX. I do not owe them any outstanding money. This is not on my credit report. I feel this is a scam and it needs to be corrected. I do not owe any money to these people .I have no idea what they are talking about. The phone number on their website is different from the phone number on their letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
In XX/XX/XXXX worked with XXXX XXXX with Advance Financial 24/7 to reach an agreement to settle in full account number # XXXX for {$5500.00}. A payment of {$5500.00} was withdrawn from my XXXX  XXXX XXXX account on XX/XX/XXXX ( see Bank attached ). I received an email from XXXX on XX/XX/XXXX, which stated that my account with Advance Financial 24/7 had been settled in full ( see Settlement attached ). On XX/XX/XXXX, a withdrawal of {$880.00} ( see Theft attached ) was stolen from my banking account by Advance Financial 24/7. I immediately called ( XXXX ) XXXX and spoke with Advance Financial 's 24/7 representative XXXX, who stated that the {$880.00} would be refunded to my account in 3 business days. I repeatedly asked how Advance Financial 24/7 could legally take money from my bank for an account that had already been settled, but I did not receive an acceptable answer ; nor am I confident that this issue will not reoccur. I am also not confident that Advance Financial 24/7 will promptly refund the money they stole to my bank account. I was literally in the process of paying my mortgage when I discovered the stolen {$880.00}. Advance Financial 24/7 's actions in reneging on the settlement agreement are immoral, illegal, and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
On XX/XX/22 I had my bank, XXXX XXXX, transfer to Robinhood XXXX {$1500.00} for the purpose of making some small investments. Repeated attempts to contact Robinhood via the website and logging in result in my being told to wait for an SMS message that will include a verification number needed to complete the log it. I NEVER receive this message. EVER!!!!!!!!!!! I try to call the company at the two listed telephone numbers and a recording on both numbers tell me I must log in thru the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: NC

Complaint narrative:
Original Creditor was paid on XX/XX/29. Received a letter from ARM solutions on XXXX. I tried calling the number on the letter ( XXXX ) XXXX. There are two options in the automated system : 1 ) Make a payment and 2 ) wait for a rep. I chose option 2 and after a minute or so the line disconnected. I repeated the process several times. 

Debt not valid and their phone number does not take incoming calls despite listing phone calls as a valid way to dispute the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp
State: NY

Complaint narrative:
I opened two accounts based off the high interest the bank offered for balances above {$2500.00}. When I opened the accounts I only had the option to transfer up to {$500.00}, so I did. Once the account was opened I wanted to transfer $ XXXX into one and $ XXXX into the other but the bank has a {$5000.00} a day max transfer policy. If you do the math to move $ XXXX in $ XXXX increments you are talking over 63 days to transfer the funds plus I get cheated out of the interest they advertised. 

Another issue is unbeknown to me they installed tracker software to pull my XXXX  checking, savings and mortgage balance information into their website so it shows up on a dashboard on their site. I found out the tracker and blocked it but the dashboard still has my XXXX  information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have received a5 letters and numerous phone calls from XXXX and associates. I told them to stop calling. I searched online and found out this is a scam company in California. The man repeated my social security number to me and was threatening. I do not have any account with this XXXX. I do not owe them any outstanding money. This is not on my credit report. I feel this is a scam and it needs to be corrected. I do not owe any money to these people .I have no idea what they are talking about. The phone number on their website is different from the phone number on their letter.

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 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Resurgent Capital Services I contacted them by phone told me that my account from XXXX XXXX  is past due and is being reported as a open account also when I contacted them a rep of there company said the account can be recalled and a law Suit will be filed against me damaged to My credit can continue till 10 years they also reported a date when they first taken the account not from when the account was first delinquent which as part of the laws of fdpca is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to INNOVIS and there is no third party involved. INNOVIS has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. I ALSO DEMAND THE INNOVIS VERIFICATION METHOD. WITHOUT RECOURSE. 
I HAVE WRITTEN YOU ONCE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  the following companies have violated your rights : XXXX XXXX XXXX Account # XXXX - {$490.00} & {$690.00} XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX & # XXXX XXXX XXXX Account # XXXX Security Finance Account # XXXX XXXX XXXX XXXXt # XXXX 15 U.S.C.1681 Section 602A - States I have the right to privacy.

15 U.S.C. 1681 Section 604A 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 2022-04-05 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  the following companies have violated your rights : XXXX XXXX XXXX Account # XXXX - {$490.00} & {$690.00} XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX & # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXt # XXXX XXXX  XXXX  Account # XXXX 15 U.S.C.1681 Section 602A - States I have the right to privacy.

15 U.S.C. 1681 Section 604A 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 2022-04-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following inquiries are on my Experian Credit Report without my authorization : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CL Holdings LLC
State: GA

Complaint narrative:
My debt was sold. The amount is inaccurate. The debt was supposed to be removed from my account. However they reported the account was open in 2019 which is not true the amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had all of my accounts restricted due to having someone send a transfer from their account to mine. I have reached out to NFCU more times than I can count over the last 2 years about getting this issue resolved. Originally, they told me they needed verification of the transfer, in which she called NFCU to verify as well as NFCU contacting her bank to verify. From there they kept telling me that the funds would be released soon. Finally, they told me about 4 weeks ago that they would release the restriction and give me access to all of my accounts and money once my negative balance in one of my accounts was settled. This negative balance was an error on NFCU end, in which I did an appeal for the money due and they finally restored access to my bank card and online access. They restored access to all of my accounts with them except my account with the funds that I had received. I asked them to close out the accounts with XXXX balances, which they did but I have still yet to receive access to my account with money or to the money at all. Over the last 4 weeks they have been telling me that the money would be available to me " soon '' and that it is processing, but it has been around 2 years with them telling me the same thing and coming up with another issue to not have access to my money. I asked them to transfer the money to my joint account which has not happened. Anytime I call they say the money is processing and that they don't know why it is taking so long and to come in in 2-3 days. I have been told to just wait and follow up every time I speak with them with no clear answer as to why I still do not have access to my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax will not release my credit report to mortgage broker so I can apply for a loan. They told them the address and birth date were incorrect. I called Equifax with my information, my birth date and address were enough to verify I was me but yet I was told my birth date didn't match with what was on file ( though it did just a few months ago ). When I asked why, I was told a company likely reported it was different and they accepted it at hand, but won't tell me what company it was ( even though it could be negatively affecting my score ) nor the birth date they showed. Then they said they showed no birth date on file for me, which can't be right since they provided another broker with a report just a few months ago. 

Now, in order to verify my birth date, even though they said I had correct month and day, but not year and then XXXX minutes later, no birth date, I have to mail just a copy of my identification and social security card to their dispute department. 

First, this doesn't seem very secure for very personal information. Secondly, how can XXXX reporter change all my info and not send a red flag to them? I have numerous credit cards, a credit line and a loan all reporting same information, but XXXX company can change it all? Why am I not allowed to know who changed it, as it could be a fraudulent account or attempt to steal my identity? This just does not seem right and like there's something more that should be and can be done.

Company response to consumer: Closed with explanation