vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 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: NV

Complaint narrative:
I have disputed the inquires most of them were removed but these last inquiries and 1 account did not come off and they are fraudulent and are not mine. 
1 ) XXXX XXXX XXXX XXXX XXXX Auto ) ( XXXX XXXX ) 2 ) XXXX XXXX  ( XXXX XXXX ) 3 ) XXXX ( XXXX XXXX ) 4 ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) 5 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX Curo ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) Account XXXX XXXX XXXX {$250.00} ( XX/XX/XXXX ) My student loans were combined into one I dont understand why these closed accounts are still on my account when I have disputed for these to be removed as well. 
Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of Ed/XXXX Closed XX/XX/XXXX Dept of Ed/ XXXX Closed XX/XX/XXXX Dept of Ed/XXXXt Closed XX/XX/XXXX Dept of Ed/ XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
I want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX INQUIRY - XXXX - - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX ) has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violate my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX L 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 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: PA

Complaint narrative:
I received a call from national recovery agency. The debt collector was rude. I told him that if I were to pay this debt, that I will contact the actual company. He told me this was going to be sent to my credit and I have to pay them. I then ended the call and then he floods my text messages with texts from The company as soon as the call was ended.

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 2022-07-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX, I received an approval letter for a covid-19 deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being XXXX days past due, XX/XX/XXXX being reported as 120-149 days past due and XX/XX/XXXX being reported as 90- 119 days due.

I want this lates removed off my consumer 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 non-monetary relief
Consumer complaint received 2022-07-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX, I received an approval letter for a covid-19 deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being 150-179 days past due, XX/XX/XXXX being reported as 120-149 days past due and XX/XX/XXXX being reported as 90- 119 days due. 
I want this lates removed off my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, I received an approval letter for a covid-19 deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being 150-179 days past due, XX/XX/XXXX being reported as 120-149 days past due and XX/XX/XXXX being reported as 90- 119 days due. 
I want this lates removed off my consumer 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 2022-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: IL

Complaint narrative:
My daughter was born on XX/XX/XXXX. I am filing a complaint against XXXX XXXX and Americollect. XXXX XXXX stopped communication in regards to the account/claim from XXXX. I have been in contact with them from date of service until XX/XX/XXXX. They did not contact me by phone or email to tell me they werent going to bill my PRIMARY Insurance nor that they were sending it to collections. Aside from improperly sending it to collections without collecting insurance payment when given accurate group information. They also sent the same bill to Americollect twice! They put 2 hits on my credit report ( XXXX ) and I lost nearly 50 points due to their negligence and unprofessionalism. My primary ( XX/XX/XXXX ) and secondary insurance ( XX/XX/XXXX) should have been billed before anything were sent to a collection agency and I should have been contacted to complete a 3-way call if the claims were denied or difficulties with submitting.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: AZ

Complaint narrative:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Late and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$3100.00}

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 2022-07-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filed an insurance claim for a roof repair. When the checks came in my ex-spouse, the mortgage company, and I all properly endorsed the checks and I gave them to the contractor for the repair. ( I did not know at the time that I should have deposited the checks myself and when they cleared paid the contractor. ) The contractor deposited the checks ( totaling {$11000.00} ) into his Chase Bank business account on XX/XX/2022. The checks were accepted for deposit into his account and despite the checks being drawn on another Chase Bank account he was told that there would be a 7 day hold on the funds. At the end of the 7 days it looked as if the funds had deposited into his account and he completed the roof repair. On XX/XX/2022, Chase Bank removed the funds from his account claiming fraud ( and closed the contractor 's account ). The bank wanted all of us to go into the local branch to prove our identities. My ex-spouse does not live in the same area anymore and we were trying to find out if he could go to a branch local to him when the Chase Bank representative informed the contractor that the checks were being shredded and I would need to request they be reissued. I contacted the adjuster working my claim to request the re-issuance of the checks only to be told that Chase Bank cleared those checks from the insurance company 's account on XX/XX/2022 and the funds could not be reissued. When I received the recoverable deprecation checks for this claim I went to Chase Bank with my ex-spouse to cash the checks. Chase Bank refused to cash the checks even though they were drawn on a Chase Bank account. I had to open an account and then my ex-spouse and I had to go through an " identity verification process '' to enable the funds to be released after a 4 day hold. I asked about the other funds that were in Chase Bank limbo so I could pay my contractor, I was told that now that my ex-spouse and I had come in the contractor should be able to get the funds. No, he has not been able to get the funds, the bank refuses to deposit the funds in my account so I can pay the contractor, and now I am facing a mechanics lien from the contractor and since I have sold the house a possible lawsuit from the new owner. All because Chase Bank claimed that the checks were fraudulent after the funds had already cleared the insurance company 's account. If this were an individual stealing in excess of {$11000.00} it would be a felony. Please advise as to the recourse for an individual when a bank steals in excess of {$11000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
We sold our home. Paid off the loan. The bank continued to withdraw funds in the amount of the monthly payment AFTER the loan was paid in full. We caught the error when the withdraw was merely pending and notified the bank of the error. The bank refused to stop the withdraw. We asked them to return the charges. The bank refused and said they would send a check. It has been several weeks and the bank has been unresponsive to emails and phone calls have been unhelpful. It seems they intend to keep our extra payment. I don't understand how they can do this. The bank is Third Federal in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I went into my bank branch on XX/XX/22 and sent a wire transfer to a Bank XXXX XXXX account in the amount of {$15000.00}. I have since learned that the website I was working with, has become a ghost. I would hope Bank XXXX XXXX would see this as a fraudulent bank account, as I have learned I am not the only victim of this fraud scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
I want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XX/XX/XXXX- XXXX - - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have been trying many times to dispute an account # XXXX with Portfolio Recovery Associates continues to try tie this account to me. I have suffered many set backs in improving my credit and I am becoming extremely stressed in dealing with them. They sent information to be to verify an account that is not my name and an address I never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
I have an account showing in my report that by law it should be removed. This account was on litigation and i have the proof from the courts to have it removed.

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 2022-07-05 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: NV

Complaint narrative:
I have disputed the inquires most of them were removed but these last inquiries and 1 account did not come off and they are fraudulent and are not mine. 
XXXX ) XXXX XXXX XXXX XXXX XXXX Auto ) ( XXXX XXXX ) XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX ) XXXX ( XXXX XXXX ) XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX Curo ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) Account XXXX XXXX XXXX {$250.00} ( XX/XX/XXXX ) My student loans were combined into one I dont understand why these closed accounts are still on my account when I have disputed for these to be removed as well. 
Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of Ed/XXXX  Closed XX/XX/XXXX Dept of Ed/ XXXX Closed XX/XX/XXXX Dept of Ed/XXXXt Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: PA

Complaint narrative:
I opened my account with Discover Bank a few months ago and deposited {$12000.00} into my account. 
On XX/XX/XXXX they suddenly closed my account for no reason, and Im unable to access my fund since then. When I contacted them they said they would send my remaining fund through check within 2 weeks, but after 7 weeks I still didnt receive anything. 
I tried to contact their security department by XXXX but they were on hold forever, I was on the line for several hours listening to hold music multiple times but nobody ever picked it up. When I call their other departments they always redirect me back to the security department so I have no other way to check the status of my fund now. 
This is very very frustrating!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
After Hurricane Ida, my wife and I were offered to defer our mortgage payments by Carrington, as our house was destroyed in the storm. Carrington then reported that 3 payments were then late and our credit has been decimated by it. We have paid everything else on time and don't think it's fair our credit rating is so bad now through the mistakes made by the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
In XXXX I received a notification from the bureaus that SEQUIUM ASSET SOLUTIONS reported a {$58.00} XXXX bill to my credit bureau. prior to this I did not receive any phone calls ( even though he claimed they did call XX/XX/XXXX ), i never received a letter from this company and XX/XX/XXXX i paid XXXX directly not this so called company. now SEQUIUM ASSET SOLUTIONS is refusing to remove the collection account from my reports and only marked the debt paid. I did not pay SEQUIUM ASSET SOLUTIONS i paid XXXX and this account should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I am on a XXXX  month no interest wth buyout at the end pan. It was purchased on XX/XX/2021. contacted Conn 's customer care on XXXX around XXXX pm XXXX after checking my credit report. I see that my balance has only decreased about {$200.00} from the original finance amount XXXX I work in XXXX so I advised them that I was being chrarged interest. There is nothing displayed online or neither do I receive a monthly statement advising of what my balance is after each payment. The rep advised that I was not being charged ineterest. I requested a copy my payment history, She advised again " looking '' at it I was not being charged interest. I received the ledger adn I am infact being charged monthly interest. They may infact be charging other customers incorectly and it also affecred my approval for items because my balance was not decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TX

Complaint narrative:
I previously sent a letter disputing an account on my credit reporting that is reporting a late payment, but I was never late. You are in violation of 15 US Code 1681a ( 4 ) by reporting mis-information. The account is XXXX XXXX XXXX. It's been almost XXXX months and I have yet to receive anything proving that this late payment is accurate. I am asking for this account to be updated to paid as agreed, never late Y

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 2022-07-05 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 — Was not notified of investigation status or results
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I NOTICED CAPIO PARTNERS HAS BEEN FURNISHING INCORRECT UNSUBSTANCIATED INFORMATION TO OTHER CONSUMER CREDIT REPORTING AGENCIES. I HAVE NEVER ENTERED INTO A CONSUMER RELATIONSHIP WITH CAPIO PARTNERS. THIS CONSUMER/NATURAL PERSON SENT CAPIO PARTNERS A CEASE AND DESIST ALONG WITH A VALIDATION OF THE ALLEGED DEBT ON XX/XX/2022. CAPIO PARTNERS HAS NOT RESPONDED, CAPIO PARTNERS HAS NOT ADHERED TO THE FCRA LAWS. CAPIO PARTNERS FAILED TO SUPPLY ME PROPED VALIDATION. CAPIO PARTNERS CONTUNUED FURNISHING THIS ALLEGED DEBT DURING THE INVESTIGATION PERIOD NOR HAS CAPIO PARTNERS PROVIDED ME WITH THE INVESTIGATION EFFORTS. I NEVER GAVE CAPIO PARTNERS PERMISSION TO FURNISH ANY XXXX INFORMATION I DO NOT KNOW WHO THIS COMPANY IS AFFILIATED IS THIS NOT IDENTITY THEFT?

Company response to consumer: Closed with non-monetary relief