vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 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: TN

Complaint narrative:
I'm seeing this as a trend with Experian over the past XXXX years in dealing with them on numerous credit reporting inconsistencies and errors. They show some thing that the original creditor claims was not reported as such by them. I get a sense that Experian has significant operational issues that are causing these problems and I would not hesitate in saying it is much larger than just me. 

I received a notification from Experian on XX/XX/XXXX that an account had been marked as a Charged-Off account with a balance ( reported that creditor made this change on XX/XX/XXXX ). When I went to the Experian site, the reporting information of that account with Experian indicated the account was charged-off, with an outstanding balance. The problem is that this account had been disputed previously numerous times because of inaccurate information. This account was included in my XXXX XXXX XXXX  which was XXXX in XX/XX/XXXX after being PAID IN FULL. 

Today, XX/XX/XXXX, I contacted the original creditor and discussed this matter in detail. They indicated their information does not match what Experian shows, and they never reported the account to Experian on XX/XX/XXXX XXXX as charged-off with a balance since it was resolved through my XXXX  case by being paid in full. 

I checked with XXXX and XXXX, also, since the creditor indicated they would have reported it the same way with all XXXX  credit bureaus. Neither XXXX or XXXX show any changes to the account since XX/XX/XXXX when my XXXX  was XXXX, and the information they are maintaining is correct and accurate. 

As I indicated, I've seen this before on numerous accounts with Experian as I have been actively monitoring and disputing accounts since XXXX with them. 

Finally, also I was not able to dispute this account online because I had previously disputed it and their system locks you out from online disputes. But they make it impossible to reach anyone by calling them, to file a 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 2023-02-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I moved out from my previous Apartment on XX/XX/XXXX and as per the move-out process, handed over the keys to the receptionist. The Apartment didn't conduct the Move-out inspection until XX/XX/XXXX ( Should be 3-5 days within Move-out per Georgia Tenant Handbook ), and updated the wrong move-out date ( XX/XX/XXXX ) in our Full and final statement. On discussing the matter with the apartment multiple times, they finally removed the additional rent, they charged us post move-out. 

My Final account statement ( FAS ) from XX/XX/XXXX has {$430.00} including common utilities post move-out, and the damages. I've {$300.00} deposit with the apartment, which they took while move-in, and this hasn't been applied to our FAS amount. 

While asking Property Manager multiple times, she at times mention those were against XXXX rent ( which I already paid ), or at times increased the damage charges, which are clearly contradicting to the initial damages they have charged in the FAS from XX/XX/XXXX. 

They have reported my account to Debt collection ( Rent recovery solutions LLC ), who without fully verifying, has added a wrong amount ( {$510.00} ) to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MCLEAN MORTGAGE CORPORATION
State: VA

Complaint narrative:
On XXXX XX/XX/XXXX we officially closed on the sale of our house ( statement of satisfaction received, funds transferred etc.. ). The buyers took over our loan under the VA assumption program. The VA assumption process has not been finalized as of XXXX XX/XX/XXXX and the loan is still under our name even though we no longer own the home. The mortgage company ( McLean Mortage Corporation ) is now harassing us with letters and phone calls stating we are in delinquency, even though they are working daily with the VA to get the assumption process completed. The mortgage company did not get the assumption paperwork to the VA until XXXX XXXX ( 2 weeks after we closed on the home ) and the VA has had to go back to them several times to get additional documentation because they failed to send the correct documentation multiple times. This has caused us severe emotional stress and anxiety and we feel there is no one that has our best interest in mind.

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 2023-02-14 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: MA

Complaint narrative:
I PULLED MY EXPERIAN REPORT AND NOTICED TWO XXXX XXXX ACCOUNTS THAT SHOULD NOT BE ON MY REPORT. XXXX XXXX FOR ACCOUNT BALANCE XXXX, XXXX XXXX ACCOUNT BALANCE XXXX. MY CONCERNS THAT THE CREDITORS ACCOUNT NUMBERS ARE DIFFERENT FROM EXPERIAN CREDIT REPORT. THIS IS FRAUD AT AN ALL TIME HIGH. I KNOW MY CONSUMER RIGHTS. I AM BEING MISS TREATED. 

THERE ARE LAWS IN PLACE AND I KNOW MY RIGHTS! 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company 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 2023-02-14 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: MA

Complaint narrative:
I PULLED MY EXPERIAN REPORT AND NOTICED TWO XXXX XXXX ACCOUNTS THAT SHOULD NOT BE ON MY REPORT. XXXX XXXX FOR ACCOUNT BALANCE XXXX, XXXX XXXXXXXX ACCOUNT BALANCE XXXX. MY CONCERNS THAT THE CREDITORS ACCOUNT NUMBERS ARE DIFFERENT FROM EXPERIAN CREDIT REPORT. THIS IS FRAUD AT AN ALL TIME HIGH. I KNOW MY CONSUMER RIGHTS. I AM BEING MISS TREATED. 

THERE ARE LAWS IN PLACE AND I KNOW MY RIGHTS! 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NY

Complaint narrative:
Opened XXXX Account on XX/XX/XXXX. Deposited {$50000.00} by ACH transfer received by Discover Bank on XX/XX/XXXX. For over XXXX  month access to account was suspended pending " identity verification ''. Uploaded my driver license and social security card on XXXX occasions. On XX/XX/XXXX I initiated request to transfer funds out of Discover Bank back to my original savings bank. That ACH transfer request has been canceled by Discover. Have spoken to many " account managers '' and " security specialists '' - no one able to provide info as to why account frozen. No one able to help me. Everyone gives me the run-around. No one takes ownership to solve the problem. Discover Bank currently holding {$50000.00} that I need back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
Debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX and I am completing this complaint without help of a third party or agency. I know my rights and I choose to assert them no matter how long ago this happened. This complaint is pointed toward Santander Consumer USA. All details and correspondence are attached to this complaint. The original consumer credit transaction happened on XX/XX/2019 Account # XXXX. Attachments are as followed - Copy of contract that show violations or false and misleading information - Copy of recent XXXX -Proof of down payment ( cash ) paid to XXXX XXXX on behalf of Santander USA -Debt collector letters sent to me- Full statement of my claim and list of violations and invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2023-02-14 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
THE COMPANY RESURGENT RECEIVABLES LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT MINE. MY NAME IS XXXX XXXX the 3rd. 15 USC 1692 ( A ) ( 1 ) The term " XXXX '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1933, XXXX enacted XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. this resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy, and.. Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 
15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I was a victim of fraud as 2 credit cards were taken out in my name. One of them I was found not responsible for but the other I have been battling to fix for over 6 months now. When I contact American Express Fraud Dept they keep telling me " oops we issued the investigation for the wrong card '' and I am promised that the investigation will be conducted for the correct card. Only to receive a letter a month or 2 later that they did not have enough information or found me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have been sending dispute letters to the credit Bureau concerning the two listed items on my credit report 1 ) XXXX XXXX XXXX and 2 ) XXXX XXXX XXXX. I have been requesting the removal of these unknown items because they are not y items and they do not belong on my credit report. I am asking for your assistance after reaching out to the credit bureaus since XXXX of XXXX  and never receiving a response or a validation from them. Please assist me with removing the items.

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 2023-02-14 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have a XXXX XXXX by Synchrony Bank that I have recently been using for business expenses. This month XXXX 2023, I made payments of {$120.00}, and {$500.00} towards my account, before my scheduled due date. The Creditor applied the {$120.00} payment to my balance and allocated it to my available limit, the {$500.00} payment they received from my bank on XX/XX/XXXX, said they applied it to my balance but refuse to update my credit limit accordingly, stating they are " holding the payment '' until the XXXX of this month. My argument is I was not paying late, I was trying to pay my payment early when I received the funds for the goods I purchased and subsequently retailed. There is no grounds to hold the payment towards my limit, their argument was that because I was new customer they can hold payments arbitrarily due to bank holds, but the payment of {$120.00} was made in the exact same manner and with same bank account. Their next argument was that it was because it was a large payment, no where in their account paperwork does it state that they would hold account payment due to the size of the payment made, nor is it laid out that any payments made within the first 6 months are subject to be held. 
This is a very predatory practice to withhold paid funds from a credit account for any arbitrary reason, it is having a major effect on the cashflow of my business and causing me undue harm for paying WELL more than my required payment and them holding it for more than 2 weeks. The everyday consumer is paying the price for their " Anti-theft System '' that is not laid out in their agreement or application. Broad strokes their paperwork they send you after you apply say they can " hold Payments for any reason '', funny how the consumer doesn't have these same protections.

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 2023-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: MI

Complaint narrative:
on XX/XX/2023 I was contacted by a scammer posing as a Binance.Us support person. Using a ticket number shown on social media ( XXXX, Binance asks for a ticket # in their twitter feed ) I received an email promising to return funds sent to a wrong network. 

I did send funds several times as asked for. I did stop after the Scammer asked me to empty several balances into their address. 
After realizing the Scam, I contacted Binance.Us support. 
I followed the Scammers address and it led back to a Binance account. 
Binance.Us Support claims that this is not true. 

I'm attaching screenshots of the transactions My account>Scammers intermediary account>Scammers account connected to Binance>Binance XXXXotal amount sent from 3 transactions {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XXXX I submitted a complaint to XXXX XXXX XXXX of Wyoming XXXX Their response " XXXX XXXX, thank you for contacting XXXX XXXX XXXX to allow us the opportunity to address your concerns. When we received your correspondence, we immediately ceased all collection activity and began our investigation. We have closed your account in our office. As a courtesy, we have also requested that the credit reporting agency delete this account from your tradeline. Should you have further questions, you may contact us at XXXX during normal business hours and an associate will be glad to assist you. '' This is per CFPB Case XXXX. The account still shows on my transition record.

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 2023-02-14 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: IL

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 Account number XXXX XXXX XXXX  XXXX account number XXXX XXXX account number XXXX XXXX  XXXX XXXX account number XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 I deposited a check for {$71000.00} which was an insurance settlement from a workman 's comp injury. The check has long cleared the bank the funds are in the account the bank is holding the money now but they're not allowing me to use my funds. They've created an extra process that the check writer is not asking and that is what has created ahold up of my money. It has been 14 days now And the check has cleared for a week already the bank is holding my money the check is cleared and they're just still denying releasing my funds I've spoken to management on 3 days in a row and several employees I have some names documented along with times. The problem is with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received my escrow analysis for a property I own under an LLC, the loan is serviced by Fay Servicing. I noticed that the escrow analysis was using an amount for the Homeowners insurance which was incorrect. It showed an escrow shortage and increase to my monthly payment which was wrong. I called and advised them that the insurance amount was reduced in XX/XX/XXXX to {$940.00} dollars from the initial {$3100.00} amount that I had paid for insurance at closing on XX/XX/XXXX. The associate said they would submit this information and do a re-analysis. On XX/XX/XXXX I received another escrow analysis, this time instead of reducing the insurance amount, they decided to add another insurance disbursement of {$3100.00}, essentially doubling the escrow shortage. I was astonished at the level of incompetence here. Not only should the shortage not have increased, I am owed a refund for an escrow surplus since I reduced the insurance premium and have been making escrow payments based on a higher premium amount. Fay Servicing has made numerous errors on my loans and never seem to address them timely or correctly.

Company response to consumer: Closed with explanation