vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: FL

Complaint narrative:
NOTE : it is NOT a duplicate case, it is the 2nd case against the same collection agency. Please, don't discard this claim, the files attached to this claim are different from case number XXXX even though the content is the same the evidence is different. 

For years, I have been subjected to relentless harassment over a medical debt that is not my responsibility. I have always been covered by medical insurance, due to my XXXX XXXX XXXX XXXX  which necessitates lifelong medical protection. The issue arose when the medical service provider failed to submit the bill to my insurance within the required timeframe, leading to the payment responsibility unjustly falling on me. I have made numerous attempts to rectify this situation, proving that I am not liable for these payments, but my efforts have been futile so far. I believe that the provider 's negligence should not impact my interests, especially since I have always been diligent in paying for my medical insurance. In response to this issue, I decided to send a debt validation letter to the collection agency that acquired my debt. However, the 30 business days provided by the Fair Debt Collection Practices Act ( FDCPA ) for a response have elapsed, and to date, I have not received any communication from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
American Express is closing out my complaints withouut addressing the serious errors in information its furnishing to the CRAs. It has closed out complaints { XXXX, XXXX } and marked them as duplicates of XXXX. 15 U.S. Code 1681s2 ( a ) ( 5 ) ( B ) require the date of first delinquency ( the commencement of the delinquency on the account that immediately preceded the charge-off ) must be a date that PRECEDES the date of charge-off action. To quote AMEX in many of its responses it alleges : " It was charged off on XX/XX/XXXX. '' Now AMEX knows or has reasonable cause to believe it is reporting the incorrect information because it tries to explain away what itss doing, " It is important to know your account charge off date of XX/XX/XXXX has not changed, '' presumeably because the Date of First Delinquency informaton it is furnishing to the CRAs is XX/XX/XXXX. This is a date that is explicitly prohibited under the FCRA. However, AMEX places the blame on the CRAs claiming, " we have no control over how the credit reporting agencies display the information we provide to them. '' This might be believable except, the table AMEX itself provided in its response to XXXX shows they only started reporting the alleged charge-off status on or around XX/XX/XXXX. XX/XX/XXXX is not a date that precedes XX/XX/XXXX and XX/XX/XXXX is not a date that precedes XX/XX/XXXX. Neither XX/XX/XXXX nor XX/XX/XXXX are accurate dates to allege a date of first delinquency. No doubt AMEX is engaging in unfair and unlawful acts and/or practices by furnishing information to the CRAs that under 15 U.S. Code 1681s2 ( a ) ( 1 ) AMEX knows or has reasonable cause to believe is inaccurate. Any reasonable person can see it is inaccurate, yet AMEX continues to furnish this date to the CRAs. Therefore, the payment history, charge-off status, derogatory account narratives, and charge-off annotations must be removed because the information does not meet the requirement of maximum possible accuracy under 15 U.S. Code 1681e.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I contacted customer service inquiring about my loan and the agent could did not have access to the information I needed to inquire about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion is continuously and knowingly reporting inaccurate, unverifiable information on my credit report and are in clear violation of the FCRA Sec 605 ( a ) ( b ). I have contacted them on numerous occasions with proof of identity theft and that my information was compromised in several data breaches, theirs included. I last made contact with TransUnion XX/XX/23 and advised a representative that I obtained a FTC Identity theft affidavit and had begun to see fraudulent accounts removed by XXXX, XXXX, and XXXX and was advised that they don't accept any affidavit from the FTC and that I would need to file ANOTHER dispute. TransUnion is showing their deceptive tactics by doing all to have me jump through hoops to get false information removed. I have mailed letters and copy of driver 's license and proof of address and proof of data breach to no avail. They claim to verify the information, yet all of my consumer reports are frozen. They have yet to provide proof that these accounts are in fact mine. My credit reputation has been seriously compromised and I am unfairly being denied for housing for my children due to these inaccuracies. As previously stated, XXXX and XXXX have begun removing the fraudulent accounts that could not be verified as mine. PLEASE assist me with having Transunion abide by the law. They have gone well over the 30-day time frame allotted by law to provide proof of debt and methods of verification. The following accounts are NOT MINE and need to be removed ASAP! I have to initiate another dispute however I have no confidence that Transunion will do the right thing at this point I have been attempting to rectify this for years. It is exhausting and embarrassing to be denied for accounts that are not mine. I am also uploading the FTC affidavit. 

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 non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this 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 explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: KS

Complaint narrative:
On XX/XX/XXXX a collections account was opened for {$1100.00}, i only noticed and knew of the " debt '' because of cedit karma. The company never once attempted to contact me and are using an address i haven't lived at in now over 6 years. The debt collector also never contacted me to alert me of being in collections. I had to email the debt collection agency 3 times to get a response and they only responded when i mentioned getting a lawyer since they will not respond. I have emailed them 2 times since initial contact trying to understand how i got this debt and how it got to collections without me knowing it existed but have received no response. Making an invoice can be done by anyone who has basic knowledge of computers and some basic personal information so that's not proof of the debt and i addressed that in one of the emails. My address has changed once since XXXX and I've had the same and only phone number for 10 years so it's not like it's hard for a legitimate company with a legitimate debt to get into contact with me.

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I opened a XXXX XXXX card account in XXXX and received my card and activated it. I called Chase and asked them to move my available credit from an existing card to my new card as I wanted to make a large purchase. I then closed my old card account. 

On XX/XX/XXXX, I attempted to make the purchase. My card was declined. I called Chase and asked why my card was being declined. They could not figure out why it was being declined, It showed my credit limit of {$30000.00}, no outstanding balance, but XXXX available credit. Customer service could not see the transaction trying to post or be declined. They had to refer me to the fraud department. I spoke to the fraud department and they could not determine the status of the decline. I was then told by the fraud department that my case was with an escalation fraud team and they would have to call me back. I specifically asked if i would get a call back that day and was told yes. I was making a purchase that had a XXXX discount if I paid it in full on Friday the XXXX. I did not receive a call back on Friday. 

Today is Thursday XX/XX/XXXX and I still have not had a call back from ANYONE at Chase. So I called in today and closed my account. I will NEVER have another account at Chase. 

I lost the discount on the purchase I set this card up to make and again have NEVER gotten a call from Chase to explain why my card was declined. 

I opened this card in good faith and feel the Chase has treated my unfairly and by not receiving a call back or Chase being able to explain my account, they have deceived me. Now, I have an inquiry on my credit report for this card, and an opened and closed account will reflect. I have an excellent credit score, and this will affect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting 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: LEXISNEXIS
State: NH

Complaint narrative:
I submitted a request to LexisNexis for my annual copy of the consumer report maintained and distributed by their business XXXX days ago via Certified United States Mail ( signature confirmation ). I have yet to receive this information. 

I previously opened complaint XXXX regarding this issue. 

LexisNexis appears to have misunderstood the nature of the complaint. I am requesting a copy of the report branded as 'XXXX ' that pertains to me, which LexisNexis sells to businesses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was trying to purchase my first home for my XXXX son & I & I found out I had damages on my credit report according to the 15 USC 1681 Law there should not be any damages on my report that is a defamation to my character. Please remove these accounts immediately. My son & I are tired of renting and I want to purchase a home. 
The accounts below need to be removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was trying to purchase my first home for my XXXX son & I & I found out I had damages on my credit report according to the 15 USC 1681 Law there should not be any damages on my report that is a defamation to my character. Please remove these accounts immediately. My son & I are tired of renting and I want to purchase a home. 
The accounts below need to be removed : XXXX XXXX XXXXXXXX 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 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Loan from XXXX XXXX sold to Mr. Cooper ( nationstar mortgage ). Payment due tomorrow, still have not received any information about payment. Paid the monthly payment to XXXX XXXX to play it safe. It's an astounding degree of incompetence ; and you let this company assume mortgages?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite XXXX written requests, the unverified items still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. 

You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title XXXX XXXX XXXX XXXX States I have Right to Privacy Title XXXX XXXX Section XXXX ( a ) Section XXXX, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title XXXX XXXX XXXX ( b ) ( a ) A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/XXXX I received my son 's XXXX deposit into my Chime account his deposits has been going to this account for over a year, on XX/XX/XXXX I tried using my card to make a purchase it kept declining so I tried logging in to my Chime account and I kept getting error message that the account was locked, so I contacted customer service and was told the account was locked do to suspicious Activity and that I would need send in documents to prove my identity so sent what was requested I received a email that someone would reach out to me with in 4hours didn't hear from anyone so I called them back and explained to them that my son needs medication which he's out and that it was important that I Access the money I was then told that someone would contact me with in 24hours and that my account was now closed because my SSN doesn't match what IRS has listed and that I need to fill out a w-9 form and send it I did that and pretty much keep getting the run around one agent says that the documents has been received and then the review team is telling me that they haven't been received I have sent in these same document over 10 times and still it's XX/XX/XXXX and I Still can't access my son 's money and I don't have a way to pay any of my bills and XXXX is pretty much saying that it's nothing they can do to help me if they don't release the money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase company says I have no money in my account I had XXXX in the account plus other accounts to so XXXX total. I want it back into all of my accounts. I know they are closing accounts, I don't want them taking my money at all with out my permission. I am upset angry please tell them to put it back into my account now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
After the death of my mother in XX/XX/XXXX, I learned of a home equity line of credit loan that she obtained in XX/XX/XXXX in the amount of {$100000.00} after receiving a statement from the bank showing a balance of {$52.00}, XXXX. I immediately went to the bank to inquire as to how she was able to obtain this loan since she did not own the home, it was transferred to me and my siblings in XXXX of XXXX. My mother continued to live in the home as she had a life estate. I was told by the bank representative at that time that he was unable to provide any information regarding the loan or the contract because the loan was in my mother 's name. He did say that as owners of the home, my siblings and I would have had to approve the loan and sign the contract in addition to her signature. He recommended I contact the loan servicing center to obtain additional information. After speaking with a customer service representative I was informed that the only information they could provide was to say that another loan she obtained in XX/XX/XXXX for {$53.00}, XXXX was paid off with this {$100000.00} loan. My siblings and I had no knowledge of either of these loans nor did we sign off on them allowing her to obtain them. We are now expected to pay off the balance of {$52000.00} but believe the bank was negligent in providing this loan without due diligence in obtaining ownership verification and that we should not be held responsible as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Im complaining about a debt letter I received from online information services is a debt collector. We are trying to collect a debt that you owe XXXX XXXX. I have never used XXXX XXXX, and this is not my debt, Im a victim of identity theft now, I have filed a police report with XXXX XXXX sheriff Office, case # XXXX the amount owed is XXXX dlls the date of service is XX/XX/2023, just got the letter from the collector on XX/XX/2023. I have called the On Line information services and they told me to report it directly to XXXX XXXX and XXXX referred me to this web page. XXXX phone number is XXXX. I have lived at my address for XXXX years and I have never used XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
XXXX XXXX Equifax, is in violation of code ( XXXX XXXX XXXX Permissible Purpose ) I did not authorize these inquiries below, nor did I give my written consent for these inquiries to be on my credit report I demand that these fraudulent inquiries be removed immediately! Also, I demand that XXXX XXXX Equifax, provides my written signature stating that I authorized these transactions. If not, I demand them to be removed. 

XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX ( Bank ) XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX had a company call, Central portfolio Cont. ( XXXX XXXX XXXX XXXX XXXX : XXXX ) say I owe them XXXX on my credit report. They reported I opened a account with them and XXXX for rent or whatever and still owe them a balance. I never live at this address and have bank statements and credit card statements reporting my pervious address for the last 6 years. I talk with XXXX and report FRAUD but got no good results from them. I, also submitted a police report explaining my information. I will provide another police report and my ID to verify me. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: NY

Complaint narrative:
I was a victim of the data breach delete these accounts immediately

Company response to consumer: Closed with explanation