vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

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 2023-05-20 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
The balance on this account is not reporting accurately. The only payment terms that are in agreement with Aspire, is to ONLY pay the {$300.00} line of credit that was origianally extended to me. Somehow the balance increased to double the amount that was agreed upon. This account is now reporting fraudulent information abount me. I want this account deleted immediately. This account status should be " OPEN '', and paid as agreed. HOW CAN These credit reporting companies can report fraudulent information without penalty? Late payments for this account can not be reported for any closed account on a consumer 's credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: NY

Complaint narrative:
XXXX XXXX  is showing inaccurate reporting information on my credit report. they state that iam 60 days and or 2 payments late in my three credit reports, XXXX Transunion and XXXX accounts. This is incorrect. I have spoken to a representative XXXX XXXX who has stated that this issue was going to investigated and resolved. However The credit bureaus are reporting inaccurate information. My payments where kept in a suspense account and and not applied to my Morgage payment which is not correct and illegal. Secondly I had covid and was off of work and asked several times for help with this matter and no agents or supervisors helped me come with resolution. Third issue I inquired to get assistance with this matter and was told because I sent any email to the XXXX XXXX XXXX XXXX XXXX email the representatives on the phone could not assist me. L if the payments were delayed why wasn't i offered a Covid program to help me or why wasn't I called to warn me about these lateness. I want these questions answered XXXX XXXX bank failed me and caused me Financial Hard ship and Pain and each agent and representative should be held accountable, with these inaccurate actions. when you are reading this " Place yourself in my shoes ''.

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 2023-05-20 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: NY

Complaint narrative:
XXXX XXXX  is showing inaccurate reporting information on my credit report. they state that iam 60 days and or 2 payments late in my three credit reports, Equifax XXXX and XXXX accounts. This is incorrect. I have spoken to a representative XXXX XXXX who has stated that this issue was going to investigated and resolved. However The credit bureaus are reporting inaccurate information. My payments where kept in a suspense account and and not applied to my Morgage payment which is not correct and illegal. Secondly I had covid and was off of work and asked several times for help with this matter and no agents or supervisors helped me come with resolution. Third issue I inquired to get assistance with this matter and was told because I sent any email to the XXXX XXXX XXXX XXXX XXXX email the representatives on the phone could not assist me. L if the payments were delayed why wasn't i offered a Covid program to help me or why wasn't I called to warn me about these lateness. I want these questions answered XXXX XXXX XXXX  failed me and caused me Financial Hard ship and Pain and each agent and representative should be held accountable, with these inaccurate actions. when you are reading this " Place yourself in my shoes ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: NY

Complaint narrative:
XXXX XXXX  is showing inaccurate reporting information on my credit report. they state that iam 60 days and or 2 payments late in my three credit reports, XXXX XXXX and Experian accounts. This is incorrect. I have spoken to a representative XXXX XXXX who has stated that this issue was going to investigated and resolved. However The credit bureaus are reporting inaccurate information. My payments where kept in a suspense account and and not applied to my Morgage payment which is not correct and illegal. Secondly I had covid and was off of work and asked several times for help with this matter and no agents or supervisors helped me come with resolution. Third issue I inquired to get assistance with this matter and was told because I sent any email to the XXXX XXXX XXXX XXXX XXXX email the representatives on the phone could not assist me. L if the payments were delayed why wasn't i offered a Covid program to help me or why wasn't I called to warn me about these lateness. I want these questions answered XXXX XXXX XXXX  failed me and caused me Financial Hard ship and Pain and each agent and representative should be held accountable, with these inaccurate actions. when you are reading this " Place yourself in my shoes ''.

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 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
in XXXX of this year, I was offered a bonus to open a checking account with citi bank. the bonus amount was to be {$1000.00}. I have talked to the manager of the branch, and he confirms that I have met all the requirements, and the money should have been in my account last week. the account # XXXX. the branch is in 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 monetary relief
Consumer complaint received 2023-05-20 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: FL

Complaint narrative:
I have been asking XXXX XXXX  to verify a collection debt on my credit report. They have failed to do so in the past two months which is a direct violation of my rights as a consumer. Per 15 U.S. Code 1692g - Validation of debts. A company has 30 days to verify a debt. Transunion is continuing to allow this by reporting this debt although this debt has been deleted from both XXXX & XXXX. Another violation of the FAIR CREDIT REPORTING ACT. If this issue is not resolved I will be taking it to court!

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 2023-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: DC

Complaint narrative:
My balance has been the same for 3 months despite me overpaying on payments to the card earlier than the due date. The balance owed has stayed the same and the company Fortiva has not been crediting the payments to the card balance. If I made 3 overpayments and the balance was {$2000.00} owed, and my minimum payment is XXXX and I made {$300.00} payments 3 times, the balance owed should not still be {$2000.00}! Fortiva has refused to credit my last 3 payments to my account balance on account ending in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I have submitted for loan forgiveness through the PSLF waiver back in XXXX. Per Dept of Ed I should have been direct to discharge months ago as I have been well over the XXXX payment count. I have been in touch with mohela dozens of times about this. I get a different excuse each time but they all say my payment counts have been sent to Dept of Ed. Dept of Ed says they have not. Dept of Ed states Mohela tells people that when it isnt true. Meanwhile people whove applied six months after I did are having their loans forgiven. I dont know what else to do. Please help.

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 2023-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This supposed debt is owed to an outfit called MIDLAND FUNDING LLC. The amount of the debt is listed as {$2900.00}. 
This debt has been filed with XXXX and maybe other credit agencies. I have never had any dealings with this company. I am assuming that this belongs to someone else, perhaps with the same name. I have complained through XXXX XXXX and they refuse to release the debt. I don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
The balance on this account is not reporting accurately. The only payment terms that are in agreement with XXXX, is to ONLY pay the {$300.00} line of credit that was origianally extended to me. Somehow the balance increased to double the amount that was agreed upon. This account is now reporting fraudulent information abount me. I want this account deleted immediately. This account status should be " OPEN '', and paid as agreed. HOW CAN These credit reporting companies can report fraudulent information without penalty? Late payments for this account can not be reported for any closed account on a consumer 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.

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 2023-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Resolution Services Inc.
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
This problem is with AAG on a reverse Morgage. Up on closing we had agreed on XXXX $ cash payment with another XXXX $ after one year. upon closing only XXXX $ was transferred into checking account. upon their investigation they found that the problem was on their end. The paper work was changed at last minute. they keep telling me that they know and will resolve the issue but it has been going on from XXXX. the last two months I can not get anyone with them to return my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: FL

Complaint narrative:
Dear CFPB : Credit bureau Transunion allegedly verified all accounts positive and adverse within my credit reports as " accurate '' in year XXXX and part of XXXX. A complaint was filed and some of the negative information was deleted. However, Transunion has failed to comply with request after request to update several accounts to positive or delete the accounts since the alleged accounts were " verified '' under a different consumer 's name. 

After failed attempts to resolve this matter with Transunion, I respectfully submit a request here asking you to notify Transunion to remove the following accounts that were " verified '' as " accurate '' during their investigations for over a year now. 

Please update 1 : XXXX XXXX XXXX # XXXXRemove late remarks and update the account to a positive status. 
2. XXXX XXXX XXXX This account was never late and was paid in FULL. Please remove the derogatory status off this account. 

Failure to comply, we will seek monetary damages of {$1000.00} per the FCRA against your company for the willful and negligent reporting of my information under another consumer 's name ( XXXX XXXX XXXX. 

I am attaching supporting documentation to support this claim. We also seek a resolution to matter to be concluded within 15 days. No exceptions. 

Respectfully submitted, 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 2023-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Spoofed phone numbers claim to be Portfolio Recovery calls me claiming I owed debts to unspecified companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I secured a loan from Quicken Loans/Rocket Mortgage to purchase a home on XX/XX/23. Loan number XXXX for {$370000.00}. The sale price of the home was {$390000.00} and it was appraised at {$440000.00}. I originally put {$20000.00} down, 5 % of the mortgage, so PMI was required. Following the purchase, I sold the home I was living in and applied the proceeds, {$250000.00}, to my Quicken Loans/Rocket Mortgage account, reducing the loan amount to {$130000.00}. I have paid 65 % of the loan. My mortgage statement shows that I have a monthly payment of {$56.00} for PMI. When I called to cancel the PMI, I was told that I must pay it for a minimum of 2 years even though I have paid 65 % of my loan and my loan to value ratio is 32.85 %, clearly a low risk. Isn't this illegal under the Homeowners Protection Act? 
Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
They closed my account without any explanation, a few days later they returned my payment and said it was no good. I have bank statements that say otherwise. After numerous calls finally just decided to pay it off and made 1 large payment, went through just fine. Then paid the balance the next month and again plenty of money in the account and they refunded the payment and charged me {$75.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear [ Bank of America ], I am writing to dispute several transactions on my recent bank statement. I called your customer service line to initiate a dispute, and after fully verifying my identity, I was informed that I must visit a branch location with two forms of ID or my claim would not be filed and my account would be restricted. 

I would like to bring to your attention that this requirement is in violation of federal law 12 CFR 1005.6 ( b ), which states that a financial institution may not place conditions on the filing of a dispute beyond a written statement of the unauthorized transaction by the consumer. 

As such, I request that this dispute be resolved without the need for an in-person visit to a branch location. I have provided all necessary information over the phone, and I am happy to provide any additional documentation or information required to resolve this dispute.

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 2023-05-20 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I contacted Comenity Capital Bank holders of the Zales Jewelers Diamond Card regarding the payment made to our account on XX/XX/2023. The payment was made at the local store as a balance transfer check. The payment was posted and cleared on XX/XX/2023. We then received notification from the account portal that the payment was returned. I started a dispute with the creditor to request proof of why the payment was returned and where the returned check was returned. I received the six-letter from the creditor stating that the account was still owed and that the initial payment made was returned. Even are I provided both a digital copy of the check showing that payment was posted and clear and a copy of my banking statement indicating that payment was made and that funds were taken from my account for full payment on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, I was instructed by my case manager at My Charge Back to submit a complain here because I was scammed in XXXX and it has been difficult for them to get a solution from the scammer 's banks. 

I was scammed by a guy called XXXX XXXX. At that time, I didn't know him but he kept talking to me until he got my trust. After 4 months he asked me if I could store his belongings at my place for a period of time until he get out of the military which I accepted. After three days a company, named XXXX XXXX XXXX, contacted me to verify my information and out of a sudden they asked me to send money to pay for the belongings which I declined at first because I only had to receive the items. Then I was threatened several times and they said that if I don't make the payment I will get in trouble with the authorities ( FBI ) because there is " money '' in the box XXXX XXXX sent. I was so confused and I didn't know what to do and because I didn't want to get in trouble with the authorities I ended up paying the money. Since then, they came up with stories which I believed and I paid all the money they asked for until I put a stop on this in XX/XX/XXXX. I reported this to the local police and also I contacted and paid a private company to investigate them. Come to find out they don't exist and they are scammers from XXXX. I believe they work with other XXXX located here in the US because the bank account names are XXXX. The private company contacted My Charge Back and they are assisting me in my case too. My Charge Back contacted a lawyer they work with and the lawyer wrote some letters, in XXXX and XXXX, on my behalf to the banks. I attached those letter, a police report, and the private company 's report about their findings during their investigation. Also, I attached the wire transfers and other documents for more details. 

Summary of the money sent and to whom : 1. XX/XX/XXXX for {$5700.00} sent to XXXX XXXX 2. XX/XX/XXXX for {$6900.00} sent to XXXX XXXX XXXX 3. XX/XX/XXXX for {$18000.00} sent to XXXX XXXX 4. XX/XX/XXXX for {$12000.00} sent to XXXX XXXX XXXX If you need more information please contact me for further details.

Company response to consumer: Closed with explanation