vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Profit Services Group
State: GA

Complaint narrative:
These accounts were recently added to my credit report without any advance opportunity to dispute it with this company. They have not validated the debt or that there is not a HIPPA violation.

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 2022-05-26 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 2022-05-26 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
So XX/XX/ 2022, someone walked into a dollar bank and it was not me, someone in another state and withdraw XXXX $ and the bank teller let this happen without proper identification. How does this happen? Banks have cameras right? I want the teller and the person who did this held responsible, this is not okay I want all my money back, Im a XXXX mother of XXXX I have no help now my money is gone I have bills and no one whats to hear my problems with a bank issue that I thought my money was safe at. XXXX XXXX XXXX XXXX XXXXXXXX Ohio is the dollar bank today is XX/XX/2022 no one has gave me an explanation to what took place and how. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX ) XXXX, XXXX and XXXX inaccurately reported Ive disputed countless times. XXXX ) XXXX XXXX closed my count XXXX, XXXX continues reported me late.3 ) Capital One closed my account XXXX XXXX due to Fraud and continuous reporting late payments. XXXX XXXX XXXX XXXX reporting late.5 ) XXXX  XXXX XXXX late payment XXXX XXXX XXXX XXXX XXXX showing charged off XX/XX/XXXX but accounted was closed XXXX XXXXXXXX XXXX XXXXXXXX XXXX charge XX/XX/XXXX it was closed XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: SC

Complaint narrative:
I am writing to dispute the following information that is reporting on my Equifax Consumer Credit Report. I have listed the items I wish to dispute as they do not belong to me. 
*Account name not listed, account XXXX balance is {$500.00} *Account name not listed, account XXXX balance is {$1100.00} XXXX XXXX XXXX XXXX XXXX *XXXX XXXX XXXX  The following inquiries are also reporting inaccurately *XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *XXXX XXXX XXXX XXXX Please reinvestigate this matter and contact the national credit bureaus to have them delete or correct the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX BANKRUPTCY  # XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan start XX/XX/XXXX. 
XXXX XXXX Another 's hazard insurance was paid from my escrow account. 
XXXX XXXX my Hazard Ins was denied payment, but did get paid but late XXXX XXXX asked for the {$730.00} paid incorrectly out of my acct to be returned. 
1098 tax forms containing incorrect information was sent to me. Loan Depot has refused to send correct balances on new 1098 's. 
XX/XX/XXXX escrow acct analysis showed deficient, so my monthly payment was adjusted from {$790.00} to {$890.00}. I was told that would be corrected and new payment of {$830.00} would be initiated in their system. It was not and got collection call and late fee attached. Payment was made for XXXX and XXXX drafted the next day. 
Have spoken with at least 5-6 experts + other Cust Serv . people that say they can fix all problems. 
Have been told {$730.00} has been returned it just doesn't show in escrow account. 
Late fee has been reversed but I get monthly collection letters. 
Payment history on account still shows property taxes paid in XXXX as if paid in XXXX. 
Never sent correct tax info but told " not to itemize ''. 
Loan Depot does not recognize that if system info is not corrected this will and is ongoing. 
Coming up to month 12 of loan and still have escrow acct, payment history, late fee and tax issues that have not been truly fixed since XX/XX/XXXX. 
I did receive a letter that said my address was incorrect. My favorite correspondence. 
I speak to several people a month, but no one seems to be capable of a full fix. 
Even sent a list so all areas could be addressed and resolved. Not a single item has been fully resolved since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: KY

Complaint narrative:
On XX/XX/2022, I received in the mail a debit card for a checking account that I did not open with Capital One. I called Capital One Fraud Department and informed them that this was fraudulent activity and to please close the account. The account is showing on my credit report with XXXX as being an active, valid account. Capital One would not disclose any information as to the email or phone number listed to the account. I asked them to inform me when the account had been removed from my name and they said they would send an email to the email address listed on file. Duh. So the person that fraudulently opened this account is going to be receiving the email. Being the victim of identity theft and having to work with the IRS, SSA, and the credit bureaus, this is the very last problem I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX, 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 2022-05-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I dont have the exact dates but a few weeks ago I called to get HELOC checks sent to me as Im doing home repairs. I never got them in the mail and XX/XX/XXXX I get an overnight fee ex package from XXXX XXXX from XXXX XXXX XXXX, XXXX VA XXXX. 

The checks enclosed were for a different customer, which means I have another customer checks, routing and account number in my possession. I called on XX/XX/XXXX to report thisthey said they will log a fraud claim and have someone call Me back. Its now XX/XX/XXXX and I have not gotten a call. 

I called today XX/XX/XXXX and kept getting transferred and no one seems to know the information I reported. 

I need my checkswere my checks sent to someone else??? Any information????

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 2022-05-26 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: MI

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below.. Also I have attached the letter I sent out and here is the tracking # s XXXX, XXXX, XXXX, According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 


List of inaccurate accounts 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 2022-05-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below.. Also I have attached the letter I sent out and here is the tracking # s XXXX, XXXX, XXXX, According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 


List of inaccurate accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've sent 2 certified letters to XXXX XXXX regarding a credit card account with a past due balance of XXXX that appears on my credit report. Two different letters were sent to verify and validate the accuracy regarding the balances and whom is responsible for servicing the account. No letters have be answered. 

I contacted XXXX XXXX via phone regarding the account and they advised another party is servicing the account that is appearing on my credit report and they provided a phone # and address. I sent a certified letter with matching certified numbers on the letter addressing my concerns on XX/XX/2022 and not received any correspondence as of XX/XX/2022. 

My integrity is being compromised as I am attempting to better my family and not being able to handle these credit reporting issues are hindering my abilities to do so.

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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've sent 2 certified letters to XXXX XXXX regarding a credit card account with a past due balance of XXXX that appears on my credit report. Two different letters were sent to verify and validate the accuracy regarding the balances and whom is responsible for servicing the account. No letters have be answered. 

I contacted XXXX XXXX via phone regarding the account and they advised another party is servicing the account that is appearing on my credit report and they provided a phone # and address. I sent a certified letter with matching certified numbers on the letter addressing my concerns on XX/XX/2022 and not received any correspondence as of XX/XX/2022. 

My integrity is being compromised as I am attempting to better my family and not being able to handle these credit reporting issues are hindering my abilities to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've sent 2 certified letters to XXXX XXXX regarding a credit card account with a past due balance of XXXX that appears on my credit report. Two different letters were sent to verify and validate the accuracy regarding the balances and whom is responsible for servicing the account. No letters have be answered. 

I contacted XXXX XXXX via phone regarding the account and they advised another party is servicing the account that is appearing on my credit report and they provided a phone # and address. I sent a certified letter with matching certified numbers on the letter addressing my concerns on XX/XX/2022 and not received any correspondence as of XX/XX/2022. 

My integrity is being compromised as I am attempting to better my family and not being able to handle these credit reporting issues are hindering my abilities to do so.

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 2022-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Filed prior complaint with company and am now being discriminated against and receiving retaliatory treatment when contacting the company including not filing complaints as requested and being hung up on by the executive resolution team. This is a business practice I am quite used to and expect from Wells Fargo, hence the reason I do not want anything to do with this company that is strong arming me in to servicing my loan and discriminating against me for being a good customer they can make money off of.

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 2022-05-26 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: CT

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-05-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America reported that I have not made any payments on my credit card since as far back as XX/XX/XXXX ( possibly longer, but that is as far back as I can see on XXXX ). On XX/XX/XXXX, BofA reported to the credit bureaus that my account was past due. It was not. I have never missed a payment with them, and my credit report shows no other negative information for the entirety of my credit history. I have never missed a payment on any card, including this one. 

THEIR INCORRECT REPORTING IS JEOPARDIZING MY ABILITY TO SECURE HOUSING FOR ME AND MY XXXX YEAR-OLD CHILD, AND OUR LAST DAY IN OUR CURRENT HOME IS APPROACHING QUICKLY. 

I disputed this information with BofA both via XXXX 's website and on the phone with BofA on XX/XX/XXXX. I spoke with a BofA representative a couple of days later, and I was told the information was being corrected. XXXX showed the dispute as confirmed accurate on XX/XX/XXXX. I called BofA again and was told again that the bank had corrected the information. I asked for written confirmation of this and was told I could only receive this via postal mail. I confirmed my mailing address and was given case number XXXX. Two weeks later, I have still received nothing, and my credit report continues to reflect incorrect information.

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 monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
On Thursday XXXX XXXX I received a call from XXXX at XXXX PST. The call was from CBE Group Inc XXXX XXXX XXXX XXXX, IA XXXX. I spoke with a women named XXXX XXXX she let me know that she was a 3rd party contractor for the IRS. She said that they had sent a letter back in XXXX of XXXX ( which I never received ), its now XX/XX/XXXX and the CBE group is calling my phone now with no mail notification, With all the IRS scams in the United States going on I asked XXXX XXXX for CBE Group License number so I could verify the company and also verify that the CBE Group is licensed in the state of California. XXXX XXXX could not provide their business license number to me after being on hold for several minutes, I got transferred to a supervisor XXXX XXXX, I asked XXXX for the CBE group license number after several mins and going back and forth with XXXX she wasnt able to provide a license number. XXXX XXXX, XXXX XXXX and the CBE group are in direct violation of the California Department of Financial Protection & Innovation SB 908, assembly bill 1864, senate bill 908 and the fair credit act by not providing their license number, and I still question if this wasnt a a scam Because I have a official letter from the Department of the Treasury Internal Revenue Service Notice XXXX dated XXXX XXXX, XXXX saying my overpayment was applied to unpaid balance, then it also says on this same form lower down What You need to do you dont need to do anything. CBE group couldnt provide a license number therefore how as the consumer am I to know they are legitimate or not? If your company is licensed it shouldnt be a problem to provide the license number to the consumers when asked

Company response to consumer: Closed with explanation