vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Account number XXXX as identified by Portfolio Recovery Services, presents the original balance as {$4000.00} and current balance as {$3600.00}. A recent payment of {$150.00} is presented as paid on XX/XX/XXXX. 

I have no knowledge of this account or {$150.00} payment that was made. The payment history reflecta a " C '' without a corresponding {$150.00} payment as reflected being made XX/XX/XXXX. 

A dispute was filed and the account information updated XX/XX/XXXX. The aforementioned item being reported is scheduled for removal this year, XX/XX/XXXX. 

In my opinion, this fraudulent {$150.00} payment is an attempt to extend the statute of limitations and in direct violation of the FDCPA established in 1978.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: FL

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. XXXX XXXX XXXX XXXX : XXXX, XXXX  XXXX bankruptcy : 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 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 2023-03-22 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: TX

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Apex Mortgage LLC
State: MA

Complaint narrative:
I hired a mortgage company in XXXX MD called Apex Mortgage to help me close on a home for me and my family. The vice president of the company XXXX XXXXXXXX told me I needed to show XXXXXXXX XXXX in Escrow to obtain the house and he had me send him the money. Needless to say, I never closed on my home and he still hasnt sent me my money. This has been going on for over 3 months now. He committed fraud after he built trusted with me! He told me he was a realtor as well as a attorney and he will hold on to my money until closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I'm composing this complaint to INNOVIS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I hired a moving company, and the men stole valuable jewelry from me. I will not pay for this service. 
XX/XX/23, posted XX/XX/23 XXXX XXXX XXXX XXXX XXXX. {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL 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 2023-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XXXXXXXX XXXX,2023 {$260.00} not licensed to collect debt in Florida

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was the victim on an online job recruitment scam. I was sent a check for {$5200.00} to purchase materials with. I deposited the check on XX/XX/XXXX. I sent money through XXXX and XXXX to who I thought were XXXX XXXX XXXX XXXX. On XX/XX/XXXX, they returned the check and I am now over XXXX XXXX dollars negative in my bank account.

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 2023-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XX/XX/2023 {$170.00} not licensed to collect debt in Florida

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
on XXXX XXXX XXXX opened a checking account at citibank for {$110000.00} using a attorneys check coming from citibank account. Made three transactions. One check to pay rent - one bank check made out to myself and deposited at XXXX. one wire transfer to my account at XXXX. thats it. Got form letter with no explanation your account closed suspected fraud. Called citibank- no reason. Branch manager at a loss for explanation. My funds held for up to 60 days and not notified until 10 days after closure ( could have bounced checks ). concerned about my credit rating and professional reputation ( hold series 7 ).

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 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
XXXX XX/XX/2023 USAA took XXXX ( which was a provisional temporary credit ) from my Checking Account after the end of a dispute in favor of the merchant XXXX. 

I called in and had USAA re-open the dispute. 

On XXXX XXXX 2023, I received a letter from USAA stating that the dispute was in my favor and that I should keep the provisional credit as it is now permanent. 

On XXXX, XXXX and XXXX XX/XX/2023 I've called multiple times to find out when I will receive my money which was taken back in XXXX. 

Each employee I've spoken with has failed to give me a direct answer and act as if they are attempting to open another dispute or telling me to call back tomorrow. 

I am asking direct questions but getting " used car salesman answers '' in which they attempt to go back into what type of dispute or re-open the dispute. 

I want my money back that was taken and thats it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
I submitted 4 complaints against the credit Bureas and all four times I recieved the same response and nothing has changed on my report. I have explained this also 4 times that the DISMISSED bankruptcies on my report were scams by companies promising to save my house that Nationnstar Mortgage wrongfully foreclosed on in 2019 while I was under modification and XXXX from XXXX XXXX. Which by the way I sent multiple complaints to the CFPD and recieved about the same response from the company. So what would you say you do here? The reason I ask is because what good does a complaint do if you only believe one side who responds with the same response they give for everything and why did my complaints against my mortgage company simply get closed even though the CFPD went on to sue Nationstar Mortgage. Maybe this complaint needs to be against the CFPD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have 3 accounts at fifth third bank and scammers from XXXX took over XXXX k over the last years out of accounts and bank is closing my account and not reimbursing any monies or charges. I was told I should have seen this in my online banking but me and my husband just assumed we were buying things, so this is the excuse they are using, my banker thinks it is wrong that they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Recovery Solutions Group, LLC
State: KS

Complaint narrative:
XX/XX/XXXX A text to my phone number. I have no idea who this is. He is attempting to collect debt for my brother, who passed away on XX/XX/XXXX. Hi wife, is the co owner of the company and she knows all about the debt and has a lawyer. She told this guy about his untimely death. This guy sent a collection notice by text to 5 family members that have no idea what he is talking about. How did he get our phone numbers? Isn't this illegal to share account info to people not on the account? 
text sent to : ( me ), my brother, my sister who is married, my sister 's husband, Sister in laws brother

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I received a dispute back from XXXX on XX/XX/XXXX. I have disputed to them about inquires that i do not recognize. They refused to remove it. The representative that refused to remove and we spoke on XX/XX/XXXX. I informed her that these inquires were not showing on other credit reports. I put a Fraud alert on my credit file do to Identity theft. I also stated the 15 US code1681 B. 
XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2023-03-22 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: TX

Complaint narrative:
I have mailed 2 certified letters to Experian requesting that they Reinvestigate accounts on my credit report for accuracy. In those letters I have asked to be notified through mail with the results, both times I was only emailed. I also asked for the information obtained from the original grantor that they received in the investigation I did not received that information either. The first letter was sent certified on XXXX/XXXX/23 and I received an email saying my results are ready on XX/XX/XXXX. Second letter was sent on XX/XX/XXXX23 and I received a email on XX/XX/XXXX saying the results were ready again via email and logging into Experian. There are multiple discrepancies in the accuracy of Charged off accounts and still being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2023-03-22 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: NV

Complaint narrative:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. TransUnion is reporting late payments on multiple accounts ( XXXX XXXX XXXX ) ( XXXX  XXXX XXXX, XXXX ) ( XXXX XXXX XXXXXXXX, XXXX, XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave TransUnion written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to TransUnion violated my consumer rights by allowing these late payments/utilization to report to my consumer 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 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have banked with Chase for many years and have never had a problem. My paychecks are drawn on XXXX XXXX. When XXXX XXXX  had those problems recently ( bank is still open for business ) and I deposited my paycheck last week, Chase put a hold on my paycheck. I deposited it on the XXXX of XXXX and they are holding it until the XXXX of XXXX. I called XXXX XXXX and the monies are cleared on their end. XXXX XXXX  called Chase and told them to release the check as the funds are cleared on XXXX 's side. They said they could not release it. I called Chase XXXX to try to get it released as well and they told me the check had an alert on it and the computer will not allow them to release my check until the date in the system. I told them it was against the law to hold my paycheck and a violation of the Consumer Financial Protection Bureau. My account is going into the negative now, because my bills are coming through. I get paid again tomorrow and they can not tell me if I deposit my check, if they will hold this one. I live paycheck to paycheck and can not afford my paycheck to be held and not be able to pay my bills, buy food or pay my car payment. I need your help in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: NY

Complaint narrative:
I'm composing this complaint to TELETRACK. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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 acct # XXXX, XXXX & XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX, XXXX acct # XXXX and XXXX XXXX XXXX acct # XXXX have violated my rights. 

In 15 U.S.C 1681 Section 602 A it states : I have the right to privacy.

In 15 U.S.C 1681 Section 604A Section2 : It also states 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 2023-03-22 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 acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX, XXXX acct # XXXX and XXXX XXXX XXXX acct # XXXX have violated my rights. 

In 15 U.S.C 1681 Section 602 A it states : I have the right to privacy.

In 15 U.S.C 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: Byrider Franchising, LLC
State: AZ

Complaint narrative:
I do not believe that I should be liable for the amount that they are saying I owe them. The original amount {$2200.00} that was given to me when I declined the " chance to not upgrade my vehicle '' and the poor customer service I was given that day. I was provided documentation which states the amount that was given to me. They then reported an amount of {$4900.00} to the credit bureaus. I contacted the company and spoke to XXXX who indicated that I owed over XXXX XXXX. She then sent me the documentation indicating I did indeed owe over XXXX. With the lack of correct information that has been given to me over and over with this company proves inaccuracy. Again I am requesting for it to me removed from all three credit bureaus as they have proven inaccuracy numerous times and Under the Fair Credit Reporting Act ( FCRA ), you have a right to the fair and accurate reporting of your credit information.

Company response to consumer: Closed with explanation