vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 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: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My FCRA 15usc 1681 and HIPAA rights have now been violated and no one has done anything about it. I sent in written requests, but the credit bureaus keep losing my inquiries. Additionally, they are not updating my credit file that anything is in investigation, so it is as if they are purposely ignoring my requests. This is a violation. I was supposed to receive updates after 30 days and I should be able to see the accounts that are actively being investigated with a current status update, but this is not the case, and it has been more than 45 days. The current status of the dispute should have been recorded. Please do something about these 3 violations and they are getting away with committing toward me. 
The accounts that have no updates at 45 days and still have incomplete and inaccurate information on my credit file are the following : XXXX ) XXXX XXXX XXXX : Acct # XXXX account dates are different on Transunion XXXX XXXX and XXXX, since it is inaccurate and still incomplete this should have been removed no later than XXXX. 
XXXX ) XXXX XXXX XXXX : Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX these accounts amounts are different on XXXX of the credit bureaus. And one doesn't have an amount listed even close to the other XXXX. This is completely inaccurate and should have been removed or updated within 30 days. 

This is illegal and goes against the very Law book they advise they adhere to. No one responses to me in a timely manner, they do not update my current account status and they do not correct inaccurate and incomplete information. 

HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My FCRA 15usc 1681 and HIPAA rights have now been violated and no one has done anything about it. I sent in written requests, but the credit bureaus keep losing my inquiries. Additionally, they are not updating my credit file that anything is in investigation, so it is as if they are purposely ignoring my requests. This is a violation. I was supposed to receive updates after 30 days and I should be able to see the accounts that are actively being investigated with a current status update, but this is not the case, and it has been more than 45 days. The current status of the dispute should have been recorded. Please do something about these 3 violations and they are getting away with committing toward me. 
The accounts that have no updates at 45 days and still have incomplete and inaccurate information on my credit file are the following : XXXX ) XXXX XXXX XXXX  : Acct # XXXX account dates are different on XXXX XXXX Equifax and XXXX, since it is inaccurate and still incomplete this should have been removed no later than XXXX. 
XXXX ) XXXX XXXX XXXX : Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX these accounts amounts are different on two of the credit bureaus. And one doesn't have an amount listed even close to the other two. This is completely inaccurate and should have been removed or updated within 30 days.

This is illegal and goes against the very Law book they advise they adhere to. No one responses to me in a timely manner, they do not update my current account status and they do not correct inaccurate and incomplete information. 

HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: TX

Complaint narrative:
XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX- Contains several errors and other sensitive information. This letter received today states- XXXX responded by saying they could not verify my identity completely verify my identity on XX/XX/XXXX but sent a full consumer disclosure report - to me - Apparently a stranger because as stated in their most recent response dated today XX/XX/XXXX, XXXX could not verify my identity. The request to opt-out was submitted on XX/XX/XXXX. 

A response was received - on XX/XX/XXXX Stating the burden of proof is on the consumer which is 100 % incorrect. 

XXXX XXXX as an entity is responsible for providing information on how the items collected in the consumer file have been validated. 

I requested a VALIDATION OF INFORMATION ON THE CONSUMER FILE AND XXXX DID NOT PROVIDE VALIDATION OF INFORMATION AND HAS VIOLATED MY RIGHT TO PRIVACY by POSTING ITEMS ON A CONSUMER REPORT WITHOUT VALIDATION. THIS CAUSED ME REPUTATIONAL HARM. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Technically- All items should be deleted at this point. XXXX has not provided any information on how they were able to collect personal information. Instead, they have responded with nonsense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 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: TX

Complaint narrative:
XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX- Contains several errors and other sensitive information. This letter received today states- XXXX responded by saying they could not verify my identity completely verify my identity on XX/XX/XXXX but sent a full consumer disclosure report - to me - Apparently a stranger because as stated in their most recent response dated today XX/XX/XXXX, XXXX could not verify my identity. The request to opt-out was submitted on XX/XX/XXXX. 

A response was received - on XX/XX/XXXX Stating the burden of proof is on the consumer which is 100 % incorrect. 

XXXX XXXX as an entity is responsible for providing information on how the items collected in the consumer file have been validated. 

I requested a VALIDATION OF INFORMATION ON THE CONSUMER FILE AND XXXX DID NOT PROVIDE VALIDATION OF INFORMATION AND HAS VIOLATED MY RIGHT TO PRIVACY by POSTING ITEMS ON A CONSUMER REPORT WITHOUT VALIDATION. THIS CAUSED ME REPUTATIONAL HARM. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Technically- All items should be deleted at this point. XXXX has not provided any information on how they were able to collect personal information. Instead, they have responded with nonsense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
I got an alert at XXXX XXXX at night eastern time that I made an XXXX payment in XXXX XXXX ca from my chime debt card. XXXX I was at home in North Carolina, XXXX I dont have XXXX. I reported my card stolen and requested a new card since I could not dispute the claim until it was not pending. The next day, it was no longer pending so I contacted chime to dispute the claim, they asked for a receipt of the XXXX ride, which was not taken by me or an account owned by me so I did not hold such receipt. A claim was filed, at XXXX today not even XXXX hours later I was email my dispute found no foul play and my funds would not be returned. I called chime they said I could request the documents they used to deny my dispute but it would take 10 business days to get the documents to me when it took them less than 24 hours to deny it. That since I did not have proof I was in XXXX nc, even though I swiped my card physically at XXXXXXXX XXXX in XXXX. I was told to email with a written statement claiming my location at the time of the transaction and they would consider reopening my dispute. I was accused of giving out my card number and writing down my PIN number and talked to like a toddler.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
Curaao has been falsely reporting a balance to my credit. They are bullying me into paying approximately {$180.00} for merchandise I didnt receive. I was trying to pay this off just so they can stop falsely reporting a balance. They continue to refuse my payment by hanging up on me and transferring me to random departments. I am not XXXX or XXXX, so I have received XXXX discrimination from Curaao. I have filed a complaint with the XXXX XXXX XXXX. Curaao have called me XXXX names via phone and in person. I have a witness ( who was with me when I went into their store ) to their bad behavior and terrible business practices. I never received my order. They should either honor my order or dissolve the balance they keep falsely reporting. I have and will continue to dispute charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: IL

Complaint narrative:
I received a letter from XXXX XXXX XXXX and Castle Credit, letter dated XX/XX/XXXX, stating this is a " Second Notice of Fraud Claim ''. I have never received any letter from XXXX XXXX XXXX nor Castle Credit regarding this fraud claim before today. This is the only letter I have ever received. I have even emailed them, as they requested by phone, and I have not received any response by email either. Neither Castle Credit nor XXXX XXXX XXXX has mailed me before this letter which claims they need proof of my current residence and a complete police report. I have contacted the police and they guided me to report the Identity Theft to the Federal Trade Commission, which I did originally on XX/XX/XXXX but had to file another Identity Theft report on XX/XX/XXXX due to other fraudulent accounts listed on my credit reports. I have also mailed Castle Credit and XXXX XXXX XXXX several letters which included my FTC Identity Theft Report, Drivers license and notarized identity affidavit, all by Certified Mail and have proof of delivery of the mail I sent. I will not continue mailing or sending my personal information to Castle Credit and XXXX XXXX XXXX and this will be my last contact with them. I am attaching copy of the only letter I ever received from Castle Credit and XXXX XXXX XXXX and also a copy of the original invoice/receipt, which i obtained from XXXX XXXX XXXX XXXX  XXXX based out of XXXX XXXX  and whom told me by phone that they do not have my name in their records and that a XXXX XXXX was the one that was billed for the total amount of {$15000.00}. I was not given any other information and I was emailed this invoice/receipt today on XX/XX/XXXX. Castle Credit and/or XXXX XXXX XXXX have put a lien on my property but never had any business with XXXX XXXX XXXX XXXXXXXX, Castle Credit XXXX XXXX XXXX Finance or a XXXX XXXX XXXX I want this Lien removed ASAP, as I will sue for my time used in this investigation I had to do myself and which I have requested Castle Credit XXXX XXXX XXXX XXXX to do but still have not done so. Also, the letter I received from XXXX XXXX XXXX has a contract with an XXXX XXXX, who I also have never had any business with and the copy of that contract has my name but not my phone number nor email address and I definitely have never signed. I will also email XXXX XXXX XXXX XXXX Castle Credit a copy of this XXXX XXXX XXXX XXXX original invoice and let this serve as proof that I never had any service done with XXXX nor Castle Credit nor XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WY

Complaint narrative:
On XX/XX/2022 a check was written on the XXXX account in which I am in charge of. The check was fraudulent and approximately 12 more checks were written in large amounts up to XXXX per check for an approximate total of {$40000.00}. 
I contacted the bank both in person and via phone, and filed a police report on the exact day I discovered this when I received my statement showing these checks that had clearly been manufactured with incorrect address and title, signed and written by an stranger when I am the only signer allowed on this account and the only person allowed to do any business of this account. 
I was told I had 60 days from the receipt of the first statement showing fraud to report and receive the stolen money from First Interstate, XXXX, WY. I was well within that time as I reported on XXXX XXXX 30 days from when I should have received my first statement showing fraud. I received a letter showing my address needed verified rather than a statement for XXXX. All the checks went through the bank with no question and most were clearly cashed by a XXXX XXXX XXXX XXXX in VA. Approximately XXXX was returned after about 2 weeks and no other updates have been made. I've had 2 other banks tell me First Interstate should've returned the money to my account, by law, within 48 hours, but I have still not received the remainder that is missing. I've emailed and called and am still missing approximately {$20000.00}. Please help. I was also told this my be a case of elder abuse as I was told that I should've banked online and would have discovered this sooner.. I am not comfortable with online banking and am over XXXX. Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: MOHELA
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX, MO XXXX Dear, MOHELA/DEPT OF ED FINAL NOTICE I agree to pay the following financial obligation regarding account number XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance send certified mail return receipt requested you deliver to me the following : provide a validation of the debt, that, production of account and the general ledger statement. 

Verification of your claim against XXXX XXXX, that is, a signed Invoice. 

A copy of the Contract binding both MOHELA/DEPT OF ED AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. 

A statement admitting whether you are the holder in due course or whether you are a servicer. 

A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 

The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 

The CUSIP number under which my loan was securitized to. 

Make available for visual inspection my original wet ink promissory note ( not a photocopy ). Please provide the above and if you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15> CHAPTER 41> SUBCHAPTER V> 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC.

You are advised to consult legal counsel on this matter.

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 

Thank you, XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Please see the attached documents. A phone call from someone claiming to represent Bank of America contacted XXXX XXXX on the evening of XX/XX/XXXX. She was fraudulently convinced to supply information which allowed a transfer via XXXX from her checking account in the amount of {$3400.00}. Bank of America was notified via a phone call the next day, XX/XX/XXXX. Bank of America issued the denial letter attached dated XX/XX/XXXX. On XX/XX/XXXX, a letter ( attached ) was sent to Bank of America indicating the transaction was fraudulent and is covered by the Electronic Fund Transfer Act. No response has been received from Bank of America. 

I am sending this in hopes you can further pursue the matter. 

Respectfully, XXXX XXXX ( daughter of XXXX XXXX ) I am a signature on the checking account at Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Four Directions Lending LLC
State: IN

Complaint narrative:
I never asked or received a loan from this company. They sent a wage assignment document to my workplace stating that they want to garnish my wages. Theres been no court case filed against me that XXXX aware of and they can not take my wages even if I dont dispute the validity of this loan. Please tell them to stop these illegal attempts to take money out of my wages or embarrass me through my workplace in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
From XXXX prior complaints that had been closed, PNC mortgage continues to notify me that the situation has been resolved but as of today, my monthly escrow amount is double what it should be. I've attempted to request them to revalulate my escrow in the past and each agent responds by saying : either they only do revaluation in XXXX & XXXX, OR it can only be done once a year ( XXXX ), OR they have submitted the request. In prior year XXXX, my annual insurance premium was {$680.00} and my property tax was {$210.00} so therefore my total yearly escrow amount should be around {$900.00} yet my monthly escrow amount is {$200.00} which amounts to {$2400.00} ( an overage of {$1500.00} ). So now they said they issued a refund of {$1500.00} on XX/XX/XXXX ( though i have not received it yet as of XX/XX/XXXX ) BUT my next monthly escrows is still set at {$200.00}. I have tried to request that i take over paying my tax & insurance and thus close the escrow account but they said I would have to pay an escrow closure fee of {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Recently in the post mail I had received a check for the amount of XXXX XXXX and XXXX dollars from chase. However the check was damaged. I called chase to ask for them to reissue the check and this began two weeks of customer service XXXX Two weeks of being transferred from different departments, rude agents, being deliberately hung up on several times, being given misleading information etc I will enclose to you several tries to even communicate with chase bank customer service through direct message on social media. Even there I was met with indifference.

Company response to consumer: Closed with explanation