vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
This company tries every couple of years to ruin my credit in order to get me to pay doubly for a debt that was settled out of court in 2019. They called and I informed them of this and they hung up on me. I believe their actions are purposeful. They have no right to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After verifying all my information correctly I still wasn't able to receive my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I have an account on my credit report name " affirm '' that is paid in full but they keep reporting me as late every month. The company I opened a loan account with affirm through the vendor " XXXX XXXX '' hair company. Affirm approved my loan for {$490.00} towards my purchase. A couple of days later I ordered the wrong product and I told the merchant that I didn't want the items. The merchant and I decided to cancel the purchase and the merchant retured the full amount {$490.00} back affirm in which I suppose to have a {$0.00} balance. ( I have the receipt ) .Affirm keep reporting every month thay I'm late of paying. I directly called the company several times to get the information on the loan and the company stated that they don't see Me in the system as owing them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: Consumer Portfolio Services, Inc.
State: AZ

Complaint narrative:
I only applied for one credit application and now I have 14 hard inquiries that I have no knowledge of or have my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I only applied for one credit application and now I have 14 hard inquiries that I have no knowledge of or have my consent

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 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MS

Complaint narrative:
I have banked with Chime for far too long and I regret ever opening an account. I have filed a total of 3 or 4 disputes - the first two ever were investigated and even though the purchases were made when I was out of town and I made inquiries and requested the evidence used to support their claims multiple times - I was not refunded and I never received my money back. Most recently I have filed a dispute for over {$1000.00} - this was a multi transaction software issue and I reached out to the company that I made the purchase from. They instructed me to dispute the charges because they were having issues processing a refund. I was told it would take 2-3 days. Chime was then called and talked to extensively about why I wasnt requesting a refund- to which I had and was following the companys response. Its now been over a month - the original charge was made XX/XX/XXXX. The company I had the issue with, XXXX XXXX XXXX by XXXX XXXX XXXX XXXX is a registered seller through XXXX - an online company that should be aware of the types of sellers it is allowing to potentially run a scam. XXXX XXXX XXXX XXXX cant get a refund to process - even though there is a money back guarantee and Chime will only tell me that their investigation can take up to 90 days. They flatly got 2 disputes wrong and now they are telling me to wait to 3 months for them to investigate. As the customer I shouldnt be having to deal with con artist, but I surely shouldnt have to put up with Chime Bank telling me this is the norm. This isnt normal and more people should be aware that Chime isnt customer focused and they dont follow the timelines of other banks. They also will give you no answers to your questions about the dispute and I even went as far to provide emails from XXXX showing that they instructed me to handle matters this way and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Received notification of overdrawn account for Citizens Bank collections. After calling Citizens they confirmed that there was an account opened in my name. They placed a hold on the account and are filing a fraud form. Was told to contact your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: NJ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX  It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The card Im placing a complain about is a XXXX  prepaid debit card provided by Bank of America edd card Ive been having a constant issue with every single new debit card I receive from provider someone else withdrawals my account before I do and it takes a long frustrating time for me as this is my only form of income theres definitely a problem with this security system which has been reached by individuals which are also aware of. I would like to get a full investigation of every single purchase and atm withdrawal from XX/XX/XXXX to XX/XX/XXXX I believe that with this debit card the only way I the consumer is available to do purchases is by me being present and placing my PIN number when the purchase is done. Not by any other form or way am I supposed to do any purchase not by credit since its not a credit card The account number is XXXX under XXXX XXXX XXXX Also when dispute filed I will receive letters stating that I would be credit by certain day and it never happens Im always supposed to be calling and yet they still have me wait a additional 10 business days not including the days they have already conducted by investigating the dispute which may take 90 days

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 2023-06-19 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: CA

Complaint narrative:
Experian has not solved the issue ( wrongly recorded late payment in XXXX by XXXX XXXX ) even though the proof of payment for a reported late payment on file has been submitted. Attached find proof of payment for XXXX and XXXX showing that the XXXX XXXX loan is NOT late, in fact is current, and that payment was made in time for both months.

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 2023-06-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Unity Asset Management
State: CA

Complaint narrative:
XX/XX/2021 I was at work when I received a call. They asked for my name and I gave it, they said they were calling on behalf of their client to resolve an incident, I asked what incident and the person just sent me straight to their supervisor and she made it sound like she was a lawyer. I thought they were calling about the accident that I had recently had and that's why I verified my information over the phone. The " lawyer '' then confirmed it was for a debt collection. Since I had verified my personal information, I thought I was now obligated to pay the debt to this company. I would like to sue this company for bothering me at work and creating immense stress and anxiety and also for not sending proper notification in the mail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
My parents had a reverse mortgage with XXXX XXXX XXXX XXXX XXXX XXXX. My father died in XXXX, and mother in XX/XX/XXXX. I am the executor of her estate. On XX/XX/XXXX, I informed XXXX in writing that I would refinance the mortgage and pay them off. I was in touch with them dozens of times between XXXX and XX/XX/XXXX via email and phone. They advised me that I could request up to two 90-day extensions. I requested the first extension which should have expired XX/XX/XXXX. On XX/XX/XXXX, they served Notice of Foreclosure. Ultimately, I closed on a mortgage on XX/XX/XXXX and did pay off XXXX ( which became Carrington Mortgage Service in XX/XX/XXXX. ) Included in the payoff was XXXX 's legal fees for filing the Notice of Foreclosure. On my attorney 's and my lender 's advice, I did not object to the pay-off amount because it would have scuttled the settlement. After the settlement, on XX/XX/XXXX, my attorney sent a letter to Carrington Mortgage Services attorney, XXXX XXXX XXXX, requesting that they return the legal fees. LOGS did not respond to that letter. On XX/XX/XXXX, I forwarded that letter directly to multiple email addresses at Carrington Mortgage Services. I received no response. I also incurred legal fees in having my attorney respond to the Notice of Foreclosure. It is my belief that XXXX customer representatives never processed my request for the first 90-day extension and that their outside attorney proceeded with the Notice of Foreclosure because of that failure to process the request. I understand FHA requires the availability of extensions. I provided the information that XXXX asked for in support of the extension request. Not once has XXXX/Carrington or their attorney responded to an email or letter requesting specific acknowledgement of receipt of documentation or of the extension decisions for which documents were submitted. The attached documents indicate the nature of my email communication with them - multiple representatives get in touch about extensions or short sales or the apparent absence of documents already submitted- no representative could pass me to a higher authority capable of rendering a decision. It seemed exactly like a shell game - one that cost my mother 's estate almost {$5000.00}. The attached documents include emails, letter, statements and email/phone log.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
PHH has miscalculated our property tax on multiple occasions, which has lead to large fluctuations in our monthly payment. For example, the 2023 XXXX payment was {$750.00}, and the 2023 XXXX payment will be approximately {$1600.00}. This has made it very difficult to budget our monthly expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: UPGRADE, INC.
State: FL

Complaint narrative:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious XXXX XXXX & will continue to cause me XXXX XXXX XXXX XXXX until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 

In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

I AM REQUESTING YOU TO PLEASE PROVIDE ME WITH THESE 4 THINGS BELOW, IF YOU CAN NOT PROVIDE ME WITH THESE FOUR THINGS PLEASE REMOVE ALL OF THESE ACCOUNTS FROM MY CREDIT REPORT. 


1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As of XX/XX/2023 bank of America has denied my claim for the money that was stolen out of my account while I was in the hospital. I've sent them documents proving my claim as well as provided them with a police report They denied my claim with no legit reason ad to why my claims were denied. I was not given provisional credit either and not given a reason as to why not. Please help me I am going to loose my place to live and more

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 2023-06-19 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: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
Good afternoon, Aidvantage account ending in XXXX {$3800.00} 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious XXXX XXXX & will continue to cause me XXXX XXXX XXXX XXXX  until it is resolved.

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