vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am making a complaint against Equifax Data Breach Settlement Administrator, which payments were to come this fall, now they are denying my claim.There was an email that generated to me on XXXX XXXX about incomplete my claim being incomplete the documentation had be to be submitted before XXXX XXXX, which they were submitted XXXX XXXX before the deadline of XXXXXXXX XXXX.Checking my status on my claim here recently they denying my claim because of I did not send the traceable documentations, which is false statements.I sent in the amount for the claim up too the amount that was specified for my claim to be paid.Which I have to claims with Equifax Data Settlement Administrator which all the information was sent in that was traceable on XXXX XXXXEquifax Data Settlement Administrator has never sent me a notice that the information was not acceptable, but was accepted and there was an email generated that my documentations has been received before the deadline of XXXX XXXX of my claims shall not be denied.Equifax Data Breach Settlement was the one who chose the claim number that was chosen to send the information too.All information shall be combined that was sent in be combined with the other claim that has not yet been denied.The first claim I filed was XXXX XXXX, why did the Equifax Data Breach Settlement Administrator chose the claim filed on XXXX XXXX is way beyond my control.My claim shall not be denied due to the respect that the information was sent in on time and shall be combined with the other claim that is still under review,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/2022, I initiated a request to redeem of {$500.00} of my " cash-back '' rewards. 
The {$500.00} was to be transferred to my checking account. 
On XX/XX/XXXX, my credit card account showed that {$500.00} was redeemed from my " cash-back '' rewards. The problem is that my bank never got the {$500.00}. 
I have checked with my bank many times ( up to today XXXX XXXX ) and there has been no record of the {$500.00} credit to my checking account. 
I have contacted the credit card company ( BARCLAYS ) many times by phone and by regular mail and have never gotten a satisfactory response. 
I was able to determine that the transfer was ( or should have been ) via ACH transfer. 
I think that BARCLAYS should be able to access the transactions Trace ID. There should be two Trace IDs the source ID and the destination ID. I can not get anyone at BARCLAYS to start a trace for this transaction. And they will not give me any " proof '' that the ACH ever happened.

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 2022-09-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services
State: OR

Complaint narrative:
On XX/XX/2022 I disputed an overcharge with XXXX XXXXXXXX XXXX through XXXX. The amount of the contract was paid in full as documented with attached credit receipt and reservation contract. I had made several calls to XXXX XXXX XXXX 's XXXX number, and attempted to also reach the XXXX, HI office at XXXX. The calls route back to the XXXX number, or when pressing " 3 '' for the service counter, a message stating " your call can not go through '' is received. 


Shortly after disputing the overcharge of {$120.00}. received a letter from Viking Client. At which point several calls were made, an online dispute form made. This is not a valid debt and I am requesting that the collection be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I have never had an account with this company, yet they have reported a delinquent account on to my credit bureau.

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 2022-09-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
Went to the XXXX room XX/XX/XXXX or XX/XX/2020 I had insurance at the time. Some how they failed to update my insurance. They have placed a medical collection on my credit report for {$160.00}. I have called the collection agency along with the imaging center and updated my insurance with both of them. Also, a law was passed XXXX collections agencies are not able to report medical bills under {$500.00} the collection agency is professional credit management

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 2022-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oliver Adjustment Co.
State: GA

Complaint narrative:
Healthcare provider is attempting to collect an amount from me that has already been paid by my insurance company. The amount billed conflicts with the Explanation of Benefits. I contacted the Healthcare Provider who said to ignore invoice until they have researched the issue, however, the Provider turned it over to a collection agency without further notice to me. The Provider billed {$85.00}, the Explanation of Benefits confirms that the Insurance Co. paid {$57.00}, disallowed {$27.00}, and my responsibility for the charges is {$8.00}. However, the Provider billed the entire {$85.00}, in affect trying to collected from me the {$57.00} already paid by the insurance and the {$27.00} above the negotiated amount. 
Finally, I have no agreement with these people to pay anything, however, I'm willing to pay my portion of {$8.00}, if billed properly. My Doctor used this XXXX  without informing me or asking me what pathologist I would be agreeable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have two capital one credit accounts that were opened fruadently under my name. Both accounts are now " closed '' on my report, since I've made my first complaint, but they still aren't removed from my report. I need them removed from my report immediately as they are negatively impacting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is still displaying on my credit file a deregatory account from first sentinel bank, the account was charged off and sold.so not taking this info off after Ive requested it per 15 U.S.C and equal credit opportunities act /They are in violation under consumer laws.

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 2022-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood prevented me from withdrawing cash starting XX/XX/2022 ( attachment # 1 ). 
Robinhood noticed me that additional verification is required to withdraw to this bank account and I can withdraw to the bank account where money was originally deposited from ( attachment # 2 ). 
I have provided all doc per Robinhood 's request on XX/XX/2022 but Robinhood refused to give me a resolution as of XX/XX/2022 ( attachment # XXXX ). 
My withdrawable cash is {$5000.00} as of XX/XX/2022 ( attachment # 4 ). 
And my {$5000.00} withdrawable cash is originally deposited from my XXXX XXXX  account and is available as of XX/XX/2022 ( attachment # 5 ). According to the terms of Robinhood, I am supposed to withdraw the {$5000.00} cash to my XXXX XXXX  account where money was originally deposited from ( attachment # 2 ). 
But Robinhood still prevented me from withdrawing the {$5000.00} after XX/XX/2022 ( attachment # 5 ). 
I have contacted Robinhood more than 20 times since XX/XX/2022 ( attachment # 6 ). But Robinhood still refused to give me a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
On XXXX XXXX I took over success of interest on the property listed above with Flagstar Bank ( headedquarters XXXX, Michigan, United States ). My husband XXXX XXXX ( loan number XXXX ) was over the loan and the home was in a foreclosure statues.The hardship was because of my husbands death and a reduction of income which I regain in XXXX I wanted to save the home so I was advised by flagstaff bank to do a loss mitigation application for the mortgage. On XXXX XXXX I was approve for the mitigation. I was placed on a 3 month trial plan starting XX/XX/2022 amount {$2000.00}. Flagstar advise me that after the trial period is successful finished, Id receive more information. I called flagstaff in XXXX to see what was my next step in the mitigation process, I was told the title company is writing out the new loan information and I will receive them shortly. I call about these documents every week ofXXXX, XXXX, XXXX, XXXX. I was told I never sent out the documents back and informed flagstaff that I never received them. One representative told me that he could see that the document never went out. I called flagstaff the end of XXXX and was informed that my mitigation application was denied and closed because I didnt get the documents back and the time had expired or that they went back to underwriting. I never received any correspondence saying it was closed I also asked for a tracking number and never received it. I was advised to send out another application in which I did XX/XX/2022. Flagstaff kept sending letter saying incomplete but when I called the representative found all the documents, my application was closed once again. XXXX XXXX I mailed out a full application. XXXX XXXX I was advised by flagstaff that my application was denied. Nothing has financial changed for me since I submitted the first application. Flagstaff closed my application due to their own excessive time delay. I was informed today XXXX XXXX that my trial payment was suppose to be {$1400.00}, but I paid {$200000.00} for the 3 months which made me in default of the trial arrangements period.

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 2022-09-19 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: MI

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$510.00} XXXX XXXX Balance {$0.00}

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 2022-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
Wsfs charged me over XXXX  in overdraft via illegal deposit staging, then took the account to court and garnished my wages. Now they are reporting it as if it was a credit card account to 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
THE MORTGAGE CO IS ATTEMPTING TO FORECLOSE ON MY HOME, WITH AN ASSIGNMENT THAT IS ROBO SIGNED. I SUBMITTED 2 QWR AND NEITHER OF MY REQUEST HAS BEEN RESPONDED TO. I ALSO MAILED 2 DEBT VALIDATION REQUEST AND NEITHER ONE WAS ADDRESSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-09-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Early in 2022, I noticed an issue on my Experian credit report. This issue was a mixed file between me and my sibling. The mixed file resulted in 3 of their accounts appearing on my credit report and mixed up personal information. I began by filing a credit report dispute to Experian to rectify the issue and received a response on XXXX XXXX, 2022. This resulted in the personal information being corrected but none of the 3 accounts being removed from my report. After calling the banks associated with these accounts, 2 of the accounts were promptly removed from my credit report. For over 6 months, I have been repeatedly calling the final bank : the XXXX XXXX by XXXX XXXX, regarding this issue. I have called them and explained the mixed file issue and the report dispute that I have already filed with Experian. This was done at least 10 times. I have also called the XXXX XXXX by XXXX XXXX line with my sibling on the line to have us both explain the situation. This was also done multiple times. Each call ended with assurance that someone from XXXX will reach out within 4 weeks to rectify the issue and that a dispute would be made to correct it. No tracking information was provided, no response has been given in over 6 months and the account is still on 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 2022-09-19 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: MI

Complaint narrative:
The account is still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. I am questioning the bureaus ' capacity in regards with my concern. Please do a re-investigation on this. Below is the account that's still reporting on my report : XXXX XXXX Balance {$200.00}

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 2022-09-19 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: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I received an alert from XXXX on XX/XX/2022 my home mortgage increased by {$4300.00}. My mortgage balance was {$330000.00}. I have called SPS Mortgage Servicing to find out why they are reporting this increase to XXXX. They tell me they are not reporting this increase in my mortgage as there is no increase for my mortgage. XXXX tells me they are getting this information from SPS Loan Services. Now I am caught in the middle of this, as it reduces my credit score showing an increase of balances on my credit file with XXXX, XXXX and XXXX. To this day, no one is able to fix this for me. It is false information and it is holding me up from achieving a refinance for my home mortgage. What resources do I have to get this false reporting fixed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, On XX/XX/22, somebody had gained access into my zelle account to transfer {$500.00} to someone I do not know. I contacted Chase zelle dispute center on XX/XX/22 after I realized that my funds were low. I reported it as fraudulent as I did NOT make that transaction and wanted see if they could reverse it. I finally contacted them again today on XX/XX/22 and Chase insisted that the face id, phone used to XXXX and log in 's were consistent with previous zelle payments I had made. I am not sure how the scammer was able to gain access to my phone or log into my account. However, if they were to investigate - they would realize that I have never made a XXXX payment to anyone that I had not added to my address book and I know better than to send money via XXXX to strangers. I have even tried to contact the phone number that the money was sent to, to let them know that the transaction was fraudulent and that it was not me who sent it.. however, the person had just ignored me. I am in despair because this was supposed to be part of my rent money and I am behind now. Please help. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19 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: FL

Complaint narrative:
Unfair scoring system. My score is incorrect, it should be higher. I pay off my credit cards and my score doesnt go up. I get notifications saying my score went up or I have positive changes but theres no change to my score. I have made complaints but no change.

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 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had open a account with Chase aroun XXXX when i open that account everything was ok but like a week later my account was closed with no explination. Also i found out the Chase share my information with out my consent Also the charge me Unlawful NFS Fees as well The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.

Company response to consumer: Closed with explanation