vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion has failed to proper investigate fraudulent accounts on my report I submitted a dispute and two days later they came back that it was verified. Never send me no verification or validation of the accounts and questions which are fraudulent accounts. I have provided them with police report I death report and they still not properly investigating the accounts in questions which is XXXX XXXX credit card and XXXX XXXX of Florida I would like the CFPB to take matter on this case.

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 2024-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT We hired XXXX Bankruptcy Attorney. He submitted a list of documents to XXXX XXXX XXXXXXXX and Carrington Mtge. The research documents were to be mailed to XXXX & XXXX XXXX. The documents were proof of unlawful foreclosure! We never receive the documents!! The lawyer Quit and kept XXXX dollars out of $ XXXX file for Bankruptcy. The mortgage statement showed {XXXX} in XXXX and XXXX in XXXX. There was no mention of XXXX}! when the foreclosure was filed. Where is that money? it was not applied to our loan. So, Bank created a " situation '' to put houses in foreclosure. This was premeditated I am requesting the Bank to mail us the documents the lawyer gave instructions for them to send, to Us!! There was a lawsuit for Excessive Fees from XXXX  XXXX XXXX and Carrington Mtge. We have not received compensation from both Banks for these Fees. Please give us answers to this Complaint. This is not a duplicate Complaint. I submitted this Complaint to the SEC. He informs me to send it to CFPB. So, this is what I'm doing! I also like to know why was this Loan put into Bankruptcy a total of 3 times. 2 were unknown. Only 1 known. We have The origination date is XX/XX/XXXX this is what our Settlement paper stated.XXXX  says XX/XX/XXXX. Please give us our years of payment history for XXXX, XXXX and XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
On XX/XX/2024 at XXXXXXXX XXXX I pulled into Bank of Texas located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I made a couple of withdrawals from two other non-client accounts using a debit card for both and then made an attempt to deposit those funds ( {$280.00} ) into my XXXX savings account using its debit card. 

I assumed this bank was a shared bank since it allowed me to pull funds from my other non-client accounts. 

However, the ATM at Bank of Texas failed and provided a receipt with XXXX amount on it and a message that an error occurred essentially eating up my money. The {$280.00} cash of all XXXX dollar bills was not deposited as expected nor returned to me. Immediately, I went inside the branch and spoke to a teller. She advised that I would have to contact my bank since I am a non-client. She also pointed out that its says to contact your financial institution on the receipt. The teller informed me that the ATM is managed by a third party and they do not have access to deposits but typically an investigation would be done and a provisional credit. 

So I contacted my bank XXXX to file a dispute. I was later advised that the dispute was denied and to file an appeal which I did and it was also denied. XXXX stated that the Bank of Texas claims there was no oversight or overage which is impossible because their ATM kept my money. XXXX keeps telling me to contact Bank of Texas and vise versa which is extremely frustrating. I have requested documentation and surveillance footage from both banks investigations and have yet to receive anything. The surveillance footage will show that I did in fact deposit the money and it was not returned. The ATM is right beside their drive up window. I have spoken to everyone I could for help including managers and supervisors at both banks to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting 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: CO

Complaint narrative:
I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
XXXX  XXXX, is in violation of multiple laws set forth by Congress in regard to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charged-off status ), between the consumer ( myself ) and the person ( XXXX  XXXX ) making the report. 

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

XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 

I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charged off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX  XXXX for the canceled debt of {$9800.00} to file as ordinary income. 

XXXX XXXX is clearly writing off debts with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { XXXX  } } }. This is unsatisfactory! 

XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. 

The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you written, non-written, verbal, and nonverbal per 15 USC 6802.

I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/XXXX I made a purchase on my PayPal credit account to : XXXX XXXX XXXX in the amount of {$1000.00} XX/XX/XXXX XXXX XXXX XXXX refunded me {$1000.00} to my PayPal credit account XX/XX/XXXX PayPal Credit charged me back {$1000.00} on my PayPal credit account showing it as a PayPal Purchase due to a double credit applied to my account from XX/XX/XXXX refund from XXXX XXXX  XX/XX/XXXX PayPal ( non Paypal credit account ) put a {$1000.00} deficit on that account advising I have an over payment due to double refund. 

XX/XX/XXXX I spoke to 4 different PayPal Credit representatives to file a dispute of which the last one Supervisor XXXX said she could see the issue but since she is PayPal Credit and PayPal doesn't share the same systems there was nothing she could do to remove the error. She transferred me to PayPal customer service. I spoke to 2 people who couldn't even repeat my name and didn't understand the issue. I went to PayPal messaging and spoke to several reps asking to file a dispute and all they told me was pay the balance due

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Recovery Management Solutions LLC
State: MI

Complaint narrative:
Contacted Recovery Management Solution via telephone on XX/XX/year> requesting a debt validation letter be sent to my current address and was denied the request. Additionally Recovery Management Solutions contacted family members with no responsibility related to debt in question on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by an Individual pretending to be a worker of JPMorgan Chase, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Chase account to fraudulent firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My information has been improperly used. Now my credit report has items that are not 100 % accurate. To make matters worst, my credit card limits got reduce because these inaccurate item are hurting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Processing Services, LLC
State: PA

Complaint narrative:
I have received multiple phone calls from this place, and find them suspicious. The first phone call took place Wednesday XX/XX/XXXX, at about XXXX XXXX. It consisted of a very sketchy voicemail, from a male voice that did not identify himself, stating, things such as this was a time sensitive matter, that if I didn't call them this would be forwarded to their escalation department, and all through the call this person did not identify themselves or the company they represented. It took a lot of digging, and a phone call placed here tonight at XXXX XXXX, where I spoke with a woman who identified herself as XXXX XXXX, and there I learned the true purpose of their calling me. 

XXXX XXXX XXXX, states that I allegedly owe a payday loan from a place called XXXX XXXX, who was holding an account for some place called XXXX XXXX, that I have not heard of until now. During this phone conversation with XXXX XXXX, she states that I allegedly took out a payday loan for either {$300.00} or $ XXXX somewhere between XXXX and XXXX when it was allegedly XXXX, which I know to be false, because in my state, ( Pennsylvania XXXX, payday loans are illegal. I stated to XXXX XXXX, I did not take out a payday loan anywhere during this time period she stated, so that is another thing I find suspicious. I'm also extremely concerned over the fact that these two phone calls are coming from different numbers, the first of which is XXXX, and the most recent is XXXX. 

Based on the research I have done, as well as having checked all my financial information, and knowing that I do not owe anyone anything, I am disputing this claim, and I want them to cease and desist any and all contact with me I have already sent out by certified mail a cease-and-desist letter, ( see attached ) and I want them stopped. 

*estimate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Here is a brief description of the incident. On XXXX XX/XX/XXXX, I had visited Sephora in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I asked the store associate to create my free account. While creating a free account I was asked by the store associate to provide details about my SSN and other information. On asking if this would impact my credit score, she said no it would not. I asked her why this is required since I am only creating an optional free account, she assured me that it is just the policy. However, on the application, I did not fill my income details correctly, since I did not want to apply for anything at all except for a free account. Days later I received a letter which mentioned my application for Sephora Card issued by Comenity Capital Bank was rejected based on lack of account information. On XXXX XXXX, I saw that there was a hard inquiry done on my XXXX account. 

I had never asked for creation of a Sephora card issued by Comenity Bank. My Credit score was impacted due to this. Keeping this in mind, I have raised an identity theft fraud report and will be sending the report and relevant documentation to XXXX and Comenity Bank. I am disputing the hard inquiry that was done against my credit account. 

On XXXX XX/XX/XXXX Comenity Bank told me that it would undo the hard inquiry that was raised against my credit report and would inform XXXX. However, it is currently XXXX XX/XX/XXXX and XXXX has reported that it has not received any kind of communication from Comenity Bank. I have recorded audio calls as a proof for this. In view of this, I am raising this identity theft report so that my issue is resolved ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Axiom Acquisition Ventures, LLC
State: MI

Complaint narrative:
Contacted XXXX XXXX XXXX via telephone on XX/XX/2023 requesting a debt validation letter be sent to my current address and was denied the request. Additionally XXXX XXXX XXXX contacted family members with no responsibility related to debt in question on several occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication of rectifying the error and mistake, the report still contains inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication of rectifying the error and mistake, the report still contains inaccuracies.

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 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Future Judgement Solutions
State: UT

Complaint narrative:
This company, FJS Global is using threatening language, stating they will garnish my income and put a lien on my vehicle. They are violating the FDCPA rules not stating they are a debt collector. The voicemail provided lets you hear how they threaten me. They also never provided me with information regarding the debt I owed. They sent it to the wrong address. When I tried calling and talking to them XXXX was horribly rude, she talked over me and wouldn't listen to me. I've requested they stop calling me but they won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting.

XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX A Date of inquiry : XX/XX/year> Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it 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 non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
The account was paid in full, however at the time of the late payments I was going through a divorce and was not able to pay on time as usual. I paid the account off and the account was closed

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my disappointment upon reviewing my updated credit report today, which revealed the presence of inconsistent, incorrect, and misleading entries that your agency has furnished on my files. Specifically, the negative accounts that are indicate in each letters attached to this complaints.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: PA

Complaint narrative:
I simply want to change my primary phone number on my account so I can log in to my account to pay my bills. They will not update my primary number even when I called from a verified number on my account, verified my last 4 of my social, address info and email address. I am also entering my account password. How much security verification do I need to simply get into my account? 

They want me to send a picture of holding up my license to my face and another with a statement of my account information. I can not get my statement because I can't log in to print it. They are causing me unnecessary additional fees because I would like to try to schedule payments but they are refusing to simply change a cell phone number.

Company response to consumer: Closed with explanation