vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
On the date of XX/XX/2023 a claim from an overseas online merchant XXXX had been denied even though the charges were unauthorized by me. Case # XXXX. I then requested Documentation from the bank that shows the evidenced used to come up with the decision to deny my claim. Upon finding out about the fraudulent charges I did change bank card and filed for a stolen card. Now when the bank emailed me back they sent a message stating that the documentation I requested is attached to the email. I opened the attachment extremely astounded when I find out that all they sent me was 1 of the disputed transactions showing in my everyday bank statement. The very transaction I was disputing and sent them. After speaking with an advocate and letting her know this. She was highly confused as well as decided it was necessary to reopen my case. 
On the ninth day right before I would be receiving provisional credit I all of a sudden got an email saying this was denied a 2nd time. So again I ask for the documentation used to come to the conclusion of a denied claim. 
After calling almost everyday for ten days or chatting with support and getting hung up on in my face twice in one day ive had it with them. Extremely rude customer service when I ask for something that they offer and is also my right. I had finally realized there had never been a proper investigation from this company and to prove it an advocate finally confessed that they don't have anything to give me they just made a decision just because. This blew my mind but at the same time gave me a sense of clarity and understanding. It has been given as evidence in both claims per signed statement stating that during the times of the transactions I was on the clock at work. At my job having your phone on the on the job results in immediate termination and possible charges brought against you because we deal with extremely high level and famous people who require extreme privacy when they come. I also gave no one any permission to use or spend money on my cash app because I've never given anyone the information to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint needs to go back and credit to me the insurance that they charged me for that was forced place on my loan I have included the policies 1 ) The HOA had polices on the Townhouse going back to XXXX and I have had insurance on the inside with XXXX XXXX XXXX XXXX  XXXX and even before with another company that I will recover the data from, that the property at XXXX XXXX XXXX was also covered under too 2 ) there is more I paid the property taxes too and I am getting the canceled checks from my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: CA

Complaint narrative:
I received my credit report and asked the bureaus to check and make sure everything was complete and accurate according to 15 USC 168i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Experian and XXXX. 

The date open is not correct, date active not correct, date of delinquent is different in both. 

Which is a violation. This is impacting me from buying a vehicle to get around. I need to commute to and from work. I also let Experian know the company attempting to collect the debt is not license to collect debts in the state of CA. 

I attach my previous credit report and my new credit report to show how Experian and XXXX violated my rights.

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 2023-03-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputes multiple times about these items which they come back saying it's accurate. XXXX XXXX is not reporting it, but they come back saying they get these information from them. Because of this information i keep having a hard time getting credit from creditors.

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 2023-03-15 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: GUARANTEED RATE INC.
State: IL

Complaint narrative:
THE FIRST PROBLEMATIC ACCOUNT IS 1 ) GUARANTEED RATE/XXXX  ( XXXX ) XXXX XXXX # XXXX OR GUARANTEED RATE INC. ( XXXX XXXX/ XXXX # XXXX AMOUNT {$0.00}. THIS ACCOUNT IS INACCURATE AT THIS POINT ITS FRAUD, THEY REPORTED AN ACCOUNT AS BEING LATE WHEN IT WAS WITH A WHOLE DIFFERENT COMPANY. NO FEEDBACK WAS NEVER GIVEN BECAUSE THEY WRONGFULLY REPORTED LATES TO MY ACCOUNT ( ACCOUNT WAS IN DEFERMENT/FORBEARANCE ). XXXX AND XXXX NEED TO REMOVE FROM MY FILE IMMEDIATELY. THE NEXT ACCOUNT IS 2 ) XXXXXXXX # XXXX AMOUNT {$3400.00}. THIS ACCOUNT WAS REMOVED FROM MY FILE AND REPLACED ON THERE ( I BELIEVE TWICE ). ITS ONLY ON XXXX. I'VE SENT IN A COPY OF AN OLD XXXX LETTER STATING IT WAS REMOVED YEARS AGO. BOTH ACCOUNTS NEED TO BE REMOVED FROM XXXX AND XXXX IMMEDIATELY. I'M GON NA FILE A CIVIL LAWSUIT AGAINST ALL 4 COMPANIES IF THESE ACCOUNTS CONTINTE TO LINGER FRAUDULENTLY ON MY FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
13 years ago when my son was born we signed up for XXXX XXXX XXXX for him. We paid, there was annual charge which a few years later I did not wish to renew. I informed them. This was 10 or 11 years ago. Now, a company claiming they are representing XXXX XXXX XXXX  ( which I last contacted 10 or 11 years ago I was no longer interested in their services ) is attempting to collect a debt of {$650.00} and has reported this to XXXX, XXXX, and XXXX. I only found out about this from my credit report I was never actually contacted. This company is AWA COLLECTIONS. I have no further knowledge of why I owe this money, why this is coming up now when I cancelled this service at least 10 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX I was Summons to court, being sued for a debt, the company Resurgent Receivables LLC claimed I owed. On XXXX XXXX a debt validation letter was sent certified mail. XXXX XXXX. I appeared in court, debt was not validated. on XXXX XXXX Resurgent Receivables LLC sent a letter by mail, still not providing the proper information as requested. XXXX XXXX I appeared in court case was dismissed, Motion To Dismiss Without Prejudice. This Collection still appear on my credit report. Please remove this inaccurate information as you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: CA

Complaint narrative:
An account from a company named XXXX  was opened on 2018 for {$1000.00} and I didnt do this. I recently found out it was on my Experian while applying for my first credit cards, and due to the fair credit report act received back denial reasons. I was a victim of the XXXX data breach. Maybe this was the cause. On my credit report I barely have a credit history, and there are no signs of other derogatory ( late payments, charge off etc ) to point this to me. This is clearly out of place. This disputing started back last year however because credit repair companies arent the account holders they didnt have to entertain it. I put in a dispute XX/XX/XXXX, and repeatedly sent in documents since then but they claim they havent received all documentations. Now this company refuses to remove it. XXXX is currently being sued for FRAUD and scamming. Experian Information Solutions has failed to properly investigate and correct my credit report information disputed by me. There response was automated.

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 2023-03-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account ( s ) listed below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

The entities listed below with account numbers have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} - violation of privacy/no consent given XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} - violation of privacy/no consent given, inaccurate reporting XXXXXXXX XXXX XXXX XXXX unknown account ( possibly fraud/violation of privacy/no consent given XXXX. XXXX XXXX XXXX XXXX  violation of privacy/no consent given XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inaccurate report, violation of privacy due to no consent given XXXX. XXXX XXXX XXXX XXXX unknown account ( possible fraud ) /violation of privacy/no consent given XXXX. XXXX XXXX XXXX XXXX - entity unknown, possible fraud/ no consent of reporting given. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given XXXX. XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given 15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an 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 2023-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
THIS ACCOUNT WAS REPORTED IN ERROR IN MY CREDIT REPORT. Please corroborate and fix instantly XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account ( s ) listed below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

The entities listed below with account numbers have violated my rights : XXXX. XXXX XXXX, account # XXXX = {$2500.00} - violation of privacy/no consent given XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} - violation of privacy/no consent given, inaccurate reporting XXXX XXXX XXXXXXXX - unknown account ( possibly fraud/violation of privacy/no consent given XXXXXXXX XXXX XXXX XXXXXXXX - violation of privacy/no consent given XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX - inaccurate report, violation of privacy due to no consent given XXXX XXXX XXXX XXXXXXXX - unknown account ( possible fraud ) /violation of privacy/no consent given XXXX. XXXX XXXX XXXX XXXX - entity unknown, possible fraud/ no consent of reporting given. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given XXXX. XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given 15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an 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 2023-03-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account ( s ) listed below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

The entities listed below with account numbers have violated my rights : XXXX. XXXX XXXX, account # XXXX = {$2500.00} - violation of privacy/no consent given XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} - violation of privacy/no consent given, inaccurate reporting XXXX. XXXX XXXXXXXX - unknown account ( possibly fraud/violation of privacy/no consent given XXXXXXXX XXXX XXXX XXXXXXXX - violation of privacy/no consent given XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX - inaccurate report, violation of privacy due to no consent given XXXX XXXX XXXX XXXXXXXX - unknown account ( possible fraud ) /violation of privacy/no consent given XXXX. XXXX XXXX XXXX XXXX - entity unknown, possible fraud/ no consent of reporting given. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given XXXX. XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given 15 U.S.C 1681 Section 602 A states that I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Last week I received a voicemail from a XXXX XXXX in XXXX. He left a vague message saying that I owed money and to call him. He also called friends and family and called my sister and spooked her as he mentioned her by full name and contact details like her home address and other personal info. When I contacted him he said I owed money but was not saying from where he worked with and for who he was calling about. When I asked to verify who he was he got hostile and said I was stalling the process and he was going to put a judgement on me if I didnt act in 3 days. Yesterday I got a voicemail from him saying theres a judgement on me and that they were looking for me but failed to find me so I was going to be marked as a non compliant and the court case will go without me. That they could not reach me at my house or my job. But no one came to my house because I was home all day. I did my research and the account he speaks of is not under his company and there is no judgement in my county against me. Today I called him to ask him to verify the account and send me the paperwork that shows that his company is handling the account through mail and he refused saying that if they did that for all their customers they would spend millions. When I said it was my right and the law he said not to read those phony government websites. He then said that he will file the paperwork to sue me and because I was unwilling to work with him but he was not trying to verify who he was or the account. I had called my original creditor and the company and the amount did not match with his. He was also sketchy because he called from different number and the company number he gave is not found online. He said only he was the only one that can work with the account and nobody in his company or the original creditor could help me. Then he said good luck to you and in life. 


The information of the individual 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 explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received a notice from Transworld Systems Inc. ( TSI ) indicating that I owed a debt of {$93.00} under reference/our account # XXXX ( notice uploaded ). I spoke with XXXX XXXX at TSI, who explained that the creditor was Transworld Systems Inc. She let me know that it may have been connected with a rental car company XXXX XXXX and that they were notified of the debt on XX/XX/XXXX. I own a XXXX XXXX truck, which I took delivery of XX/XX/XXXX. Upon taking delivery, I noticed that the truck had issues that required serviceXXXX XXXX  reserved a rental car for me upon sending in my truck for service, on XX/XX/XXXX ( confirmation uploaded ). XXXX contract XXXX reflects the terms of the rental, and final receipt provided by XXXX on XX/XX/XXXX reflects {$0.00} owed. Subsequently, I had additional issues with my truck that required a second service appointment. XXXX again contracted with XXXX under contract XXXX ( uploaded ) on XXXX. Again, the receipt I received from XXXX, uploaded, reflects {$0.00} owed upon termination of the rental. To avoid unnecessary impact to my credit, I paid the debt of {$93.00} over the phone with the help of TSI employee XXXX XXXX on XX/XX/XXXX - confirmation # XXXX. I do not believe I actually owe anything, as the receipts I received from XXXX indicate {$0.00} owed and I was never contacted by them for anything owed. Therefore, I would like a refund of the {$93.00} I paid on XX/XX/XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Grain Technology, Inc.
State: AZ

Complaint narrative:
On XX/XX/2023, nearly a week after declining their updated, fraudulent, terms of service Grain had charged me an {$80.00} annual fee which I had already objected to. After my objection I was locked out of their app so this fee is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In late XXXX - early XXXX, I authorized automatic payments to XXXX XXXXXXXX XXXX chase credit card among other credit lines. In XXXX, I notified XXXX XXXX she was no longer authorized on this account. After I notified XXXX XXXX, I called Chase Bank and cancelled/ closed all automatic payments being made on her behalf. There were multiple reversals completed by Chase Bank. This was an ongoing issue for a couple months. I notified Chase Bank on multiple occasions to file fraud charges, and dispute multiple charges. These charges were reversed and credited to my account. I again contacted Chase to try and find resolve for this recurring issue. Chase advised me of XXXX options : XXXX close existing checking account and open a new one. XXXX. Contact customer service and issue a stop payment order ( which I would have to pay a fee to do ). I opted for option XXXX, I closed the existing account and open new one. After this occured, I noticed some automatic payments going to chase credit card. When I called and asked I was told that it was going to my chase credit card. After a while and kept questioning it, I compared the automatic withdraw ( auto pay / ACH ) with my payments to credit card and found a discrepancy. I called and asked what account this was being sent to, during multiple times of calling to inquire, before I was able to get the name ( had to be switched between multiple departments ), the call would go idle, or get dropped. Each time trying to contact took approximately XXXX minutes, then the call would end, go quiet, not have anyone on the other line and not in the queue. I was finally able to find out who the payments were being sent to, which i then tried to escalate the issue multiple times and show this person was found to be fraudulent. My many attempts did absolutely nothing. Still to this day ( XXXX years ) there are still payments being made to an unauthorized account and Chase says there is nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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:
I have contacted XXXX once with no response and Transunion on XXXX occasions since XX/XX/XXXX to dispute the accuracy of information shared on my credit report as I have not provided permission to defame my character regarding XXXX XXXX Bankruptcy that currently notes being Discharged by the XXXX XXXX XXXX New York on XX/XX/XXXX. I have since received responses from Transunion by mail dated XX/XX/XXXX and XX/XX/XXXX solely noting how their information is obtained and that they find it to be accurate.

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