vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Account ( s ) : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX 15 U.S.C 1681, section 602 A. states : I have the right to privacy.

15 U.S.C 1681, section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section, states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S. C 1681-2 ( A ) ( 1 ) Section, states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
XX/XX/2022 call through XXXX said I needed to set the account right on my credit card and they said they were from XXXX then from Bank of America Fraud dept. They told me to purchase gift cards to fix this problem. I had never heard of anything like this. They had set up a fake XXXX page that looked exactly like mine with recent transactions too. But they changed the phone number. When I called it was not XXXX at all but some slime balls in another country no doubt..I got scammed plain and simple. 
Credit cards both said they would back off the charges but then they stuck them back on as of XXXX XXXX, 2022. This will cause me some hardship to be sure ... .Liars and big corporate greed.

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the errors on my credit report. 

I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 
Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On TRANSUNION, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX GA XXXX and they have XXXX XXXX XXXX XXXX GA XXXX. In addition TRANSUNION is showing the incorrect Employer of XXXX XXXX XXXX and that needs to be DELETED as well.

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 2023-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IA

Complaint narrative:
On XX/XX/2022 I submitted a new employment verification to receive credit for qualifying PSLF payments. The form was marked as a duplicate, and credit for my qualifying payments were not added to my account. I spoke with customer service, and he said they would reprocess the application. I told him I wanted to speak with a supervisor, and he disconnected my call. I had to wait on hold forever, and I confirmed with the rep that the document shows the correct date, employer info and etc. I keep getting a runaround with Mohlea. The document is visible in my account with accurate info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
On XX/XX/XXXX, I purchased a vacation package from XXXX XXXX XXXX. They required a payment of {$420.00} which I paid that day and it posted to my Chase credit card on XX/XX/XXXX. My second payment of {$380.00} was made on XX/XX/XXXX, and posted to my card on XX/XX/XXXX. My vacation package was for XXXX XXXX cruises XXXX XXXXXXXX XXXX hotel stays which can be used over the next XXXX years via XXXX # XXXX XXXX. I was promised XXXX different destinations for my hotel stay such as XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and much more. On XX/XX/XXXX, I called XXXX XXXX and was told that my first hotel stay had to be in XXXX. This was a red flag and I wanted to cancel my package as I have family near the other destinations mentioned and I have been to XXXX  so many times I didnt want to go back. XXXX XXXX would not honor their original offer nor issue a refund. As such, I called my card issuer in XXXX XXXX  XXXX and Chase said they would look into it. Then they basically told me that they had a recording of me saying I agreed to the terms and conditions so they would not fight these charges for me. I felt defeated but wasnt left with much else of an option except to use the certificate for XXXX  so I could take advantage of the remaining vacation trips. So in XX/XX/XXXX I called XXXX XXXX and was told that they changed the name of their company and I have to pay them additional funds to book anything at this point. They are not willing to honor anything without me giving them more money which is complete fraud! I called Chase back and they told me that my original complaint wasnt even submitted as a vacation package. It was submitted as a time share which is not the case. The supervisor XXXX agreed that I should receive a full refund. I am requesting a full refund from Chase as they did not protect me from the beginning when I warned them of the consumer fraud and my initial chargeback was filed incorrectly. Ive been with Chase for quite a while now and at the very least this should be done as a onetime courtesy credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This debt is not mine. I never signed any agreement with the institution. I never authorized this account. The account needs to be deleted most expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-02-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Service Residential, Nevada, LLC
State: NV

Complaint narrative:
I want my account wiped clean. I also want a credit of {$20000.00} for the time, harrasment and not being able to use the facilities for XXXX years since the day we moved in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I have been sending dispute letters to the credit Bureau concerning the two listed items on my credit report 1 ) XXXX XXXX XXXX  XXXX 2 ) XXXX XXXX XXXX. I have been requesting the removal of these unknown items because they are not y items and they do not belong on my credit report. I am asking for your assistance after reaching out to the credit bureaus since XXXX XXXX 2022 and never receiving a response or a validation from them. Please assist me with removing the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: CT

Complaint narrative:
I have been sending dispute letters to the credit Bureau concerning the XXXX listed items on my credit report 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX. I have been requesting the removal of these unknown items because they are not y items and they do not belong on my credit report. I am asking for your assistance after reaching out to the credit bureaus since XXXXXXXX XXXX 2022 and never receiving a response or a validation from them. Please assist me with removing the items.

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 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I purchased a home on XXXX XXXX XXXX XXXX, Ma XXXX on XX/XX/XXXX. Since all payments have been made accordingly and XXXX different companies have owned the mortgage without any issues. As of approximately XX/XX/XXXX Freedom Mortgage accepted ownership of the mortgage and problems with insurance immediately began by such mortgage ceasing all insurance payments to XXXX insurance through XXXX. Our insurance nearly lapsed as a result and we immediately made payment in order to avoid such lapse. We contacted freedom mortgage in order to correct the situation which they agreed had been a mistake. On approximately XX/XX/XXXX we received a letter from freedom mortgage insurance department indicating that they would be purchasing insurance for us a a substantially higher cost and retain the escrowed insurance payments. We again contacted freedom and disagreed with the decision instructing them to again contact XXXX and solve the matter as representatives for the insurance company were waiting. Lastly on XX/XX/XXXX after having made yet another mortgage payment, I contacted freedom mortgage to inquire about the issue No yet resolved but no attempt or information has been provided nor resolution to the problem. This concerns me immensely since it is one of the very reasons these companies use to initiate foreclosure action on a renovated, increased value home that my husband and I purchased at a higher cost with some problems needing repairs. Id truly appreciate a stronger hand in getting this matter resolved since I have evidently not made myself clear enough on the resolution attempts. Your assistance is truly greatly appreciated. Thank you 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 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Back in XX/XX/2021 I had fraudulent charges from a XXXX XXXX XXXX on my Chase card I knew this was fraud and contacted Chase. They froze the old card and sent me a new one with no problems. In XXXX I started to have fraudulent charges from a XXXX XXXX XXXX XXXX. I had done business with XXXX and XXXX XXXX who operated as XXXX XXXX XXXX XXXX. I confronted XXXX over the phone but she died that same day before we could resolve the issue. I called Chase about fraudulent charges and they initially gave me credit but did not close the card and send me a new card. Initially I received credits while Chase and I were supposed to contact the company. I wrote to a XXXX address XXXX XXXX XXXX based on the information on XXXX Secretary of State LLC registrations. It was returned to me unopened. I then contacted Chase to see if they had contacted the company. I believe they used the internet because I got the same results. The internet links were for were XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both incorrect. I know XXXX XXXX has been in XXXX and has had XXXX male associates who have stolen from her ; XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. I believe they all have criminal records. I purposely paid the full amount of my charges in XXXX and when I was initially given credit I had a {$17000.00} credit balance in XXXX. When my XXXX statement came it was for {$41000.00} on an account with a {$27000.00} credit limit which I had requested to be lowered to {$8000.00} when I called about the fraudulent activity. I believe if Chase will separate the real charges for XXXX XXXX XXXX XXXX from the fraudulent charges by XXXX XXXX XXXX XXXX I should have credit balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On EXPERIAN, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX GA XXXX and they have XXXX XXXX XXXX XXXX # XXXX XXXX GA. In addition EXPERIAN is showing the incorrect Employer of XXXX XXXX XXXX XXXX and that needs to be DELETED as well.

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 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of my identification, which is a felony. 

punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX2023, without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 200XXXX ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined. 

under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result. Below are the Inquiries to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14 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: NJ

Complaint narrative:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of my identification, which is a felony. 

punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX2023, without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined.

under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result. Below are the Inquiries to be deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo regularly failed in the servicing of my mortgage. At various times, they alleged default and included foreclosure costs which were estimated and not actually incurred in violation of my mortgage contract and federal and state laws. As a result of the foreclosure costs, they required me to paid in full as a condition of restating the loan. Their reconciliations show they collected thousands of dollars not due to them and their reinstatement figures were materially overstated. During this period of alleged default and not actual fees having been assessed, Wells Fargo furnished negative information to the credit reporting agencies which continues to be furnished through today. These furnishings have prevented me from refinancing my financial obligations as well as indicating to other lenders that I was a credit risk. During the alleged default, they continued to prepare court filings that indicated they were due amounts that had not been incurred. Their law firm was relentless in the pursuit to obtain a court order of default in order to sell my home at sheriff sale. The underlying conditions they created resulted in health problems and the inability to earn a living having to defend their baseless claims.

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