vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 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: GA

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 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 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 2023-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
XX/XX/2023 US Bank sent a notice of default allowing me 30 days to either make partial payments for the past due interest of {$3600.00} or pay the whole sum. I made a {$470.00} payment XX/XX/2023. US Bank never applied this payment to my account. Debt collector XXXX sent a letter XX/XX/2023 requesting the full HELOC principal and interest of {$170000.00} be paid and stated the property my primary residence was being published in " Legal ledger '' on XXXX to be auctioned XX/XX/2023 by XXXX 
They postponed sale but now are auctioning themselves and not listed on XXXX for XX/XX/2023. 
Every time I call US Bank remote phone representatives working from home switch me from person to person for three hours logged on the phone. I've tried this more than four times over the past four months since XX/XX/2023. They are intentionally not sending the loss mitigation applications by mail or email. Dual tracking. 
One payment was missed in XX/XX/2023. 
In XXXX I explained the tripled monthly payment on the HELOC was supposed to have been fixed at the 3.25 % interest rate. Instead they increased it to 8 %. US Bank sold the copy of the note to a very aggressive debt collector who has home investors lined up to buy the property for just the amount of the HELOC third place loan {$170000.00} when property is worth {$460000.00}. 
XXXX XXXX created XXXX and XXXX XXXX, however he is operating the XXXX firm as a supposed trustee so he can foreclose and reap the equity in the house in a scandalous manner. He bought the copy of the note but not the mortgage for a few XXXX dollars from US Bank. US Bank has already charged it off on their accounting books. 
This HELOC was already sold into the market pooled as a heloc-backed security.

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 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I've asked CHASE for my signature Card, that I went into the bank and resigned my signature card. Please send me, the signature card on the CLOSED ACCOUNT. 

again, Please send me my updated signature Card, the one I did in WET INK at the XXXX XXXX branch. since you included them in the ultimate discussion on closing my account. 

gratitude

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: IL

Complaint narrative:
This complaint concerns a medical debt that was placed on my credit report as a collection debt. XXXX XXXX placed a debt in the amount of {$3500.00} with XXXX. XXXX collection agency in error. The debt was for services received by XXXX  ( XXXX ) that was at the time covered by my first and secondary insurances. Advocate admits that they only billed and was paid by my primary insurance ( XXXX ), and failed to bill my secondary insurance ( XXXX ) for any remaining balance. The debt was incurred in XXXX. Advocate and my insurance carrier verifies that I had both primary and secondary insurance since XXXX. Advocate agreed that it was a clerical error on their part, however, the collection agency refuses to remove the debt from my credit. 

I am asking that this medical debt be removed from my credit for reason described above, and or laws regulating medical debt reported to consumer credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I've asked Portfolio Recovery Associates , LLC numerous times to provide purchase and monthly statements. As of today, I have not received any statements, yet I receive continuous phone calls and receive letters stating that I owe {$2600.00} for an account with XXXX who is the merchant and the seller, XXXX XXXX. This account was opened in the Spring of XXXX and there has been no activity on the account since XXXX. I initially disputed charges that were placed on this account with XXXX. After several conversations with XXXX regarding charges, I never received copies of the charges and all communications ceased. Years later I began to receive constant daily phone calls from Portfolio Recovery letting me know that this was now on my credit report and would impact my credit if I didnt send them money. I requested again, monthly statements and informed Portfolio Recovery that I had requested such from XXXX, but never heard back. I requested Portfolio Recovery to provide the same documents to show that I owed what they were claiming. I have spoken to them so many times, I've lost count. This debt is over XXXX XXXX XXXX, but I still receive phone calls constantly and receive statements that provide the account number, the merchant name, the seller 's name and the balance and asking me to pay the balance or chose a savings plan. After years of requesting actual statements, and not receiving and disputing the balance, I am frustrated, and tired of the constant phone calls and letter. The letter also states on the backside " NOTICE we are required under state law ( what state? ) to notify consumers of the following rights. This list does not include a complete list of rights consumers have under state and federal laws. '' CALIFORNIA : License Number pending. '' There are no rights listed at all. It is as though I have no rights and they don't have to provide any information that I've requested since XXXX. I tried in good faith to solve this issue but Portfolio has never sent any of the documents that I have requested to show that I made certain purchases that I disputed with XXXX and with Portfolio Recovery. I refused to make any payments until such time I was provided the documents. Since this time, I've received nothing but constant harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: NY

Complaint narrative:
The following inquires are fraudulent and are not made by me : XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I received a copy of my consumer report and noticed some major violations according to law 15usc 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; J.P Morgan Chase Bank has not followed its duty set by congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: NY

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 NA : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXhas 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 non-monetary relief
Consumer complaint received 2023-05-20 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: NY

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 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 XXXXXXXXhas 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 non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: Albert Corporation
State: SC

Complaint narrative:
Albert, which is, I guess, a banking app., has been sent me an account statement update email. The text read as such : " Your XXXX Albert Cash and Albert Savings statements are now available to view in the app. To view them, go to the profile tab ( ) > tap the menu icon > Documents. '' This was sent on XX/XX/XXXX. I immediately replied to the email, to their support team, that I'd never opened this account and wanted some answers. I asked them to cancel the account. However, they then asked me for my full name and date of birth on XX/XX/XXXX, which is very sensitive personal information that could be used to steal one 's identity ; a quick XXXX search tells of the dangers of sharing just this information. I refused to give this information online, and asked that they call me on the phone or send me a phone number. They told me they only offer email and text support, and their messages seem to be AI-generated. I can't even get a name of who I'm speaking to from them. So, I'm very frustrated and this bothered. Either, it seems, my identity was stolen and used to create an account with this company, which I can not now close. Or this company is actively attempting to phish my personal information. 

Albert 's website is here : https : //albert.com/ This seems like a highly untrustworthy company, and I hope they can be investigated for the way they're treating people 's personal information and potentially enabling identity theft.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint and requesting an investigation because of the unethical tactics used by Wells Fargo for years to deny my modification requests for Home Mortgage I should be included in the settlement and be financially compensated like the other customers who were mistreated by Wells Fargo. 

In the beginning of my loan modification process I made several calls and sent documents to Americas Servicing Company ( ASC  ) /Wells Fargos Mortgage Loan Modification department XXXX It always seemed to be a different ASC/Wells Fargo contact on the phone, who would tell me one thing on the phone and then I received letters in the mail that didnt reference or confirm the things they mentioned on the phone. 
I was once told by a Wells Fargo agent that was I approved for a loan modification and I was told to not pay next months mortgage because they were sending my modification documents in the mail. Weeks later I received a letter denying the loan modification and Wells Fargo reported me 30 days late to the credit bureaus. At that point in the process I hadnt missed a mortgage payment and it was the first blemish on my credit report in decades. 
The agents also requested the same documents over and over and then I get a letter stating the documents didnt come in time. After nearly two years of Wells Fargo stating that they didnt receive documents on time and the requests for more and more documents, the same documents over and over again, I recruited the help of the XXXX Home Preservation program to serve as a witness to XXXX XXXX illegal tactics to avoid loan modification. 
In 2010 I began working with XXXX but ASC/Wells Fargo continued to send requests to me directly via mail. I responded and sent documents to Wells Fargo via the XXXX system as proof that documents were submitted and submitted on time.

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 2023-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Sent A Debt Validation Letter To Company Caine & Weiner, Company Has Still Not Submitted Proof That I Ever Signed Any Documentation Or Entered Into Any Agreement With Their Company And/ Or That The Company Is Licensed In The States That I Lived. Company Is Not Licensed To Operate In The States Of FL, Texas Or North Carolina. Company Has No Legal Right To Try And Collect On Alleged Debt, This Collection Account Needs To Be Removed From My Credit Report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX 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 non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The 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, US DEPT OF EDXXXX : XXXX, US DEPT OF EDXXXX : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: NJ

Complaint narrative:
On XX/XX/2023 my chime debit card was lost. Someone use my debit card and made multiple unauthorized purchases without using my PIN number. There were multiple declined transactions and 2 approved transactions because the person that took my card kept getting declined. I spoke to chime fraud department, and they created a dispute for {$88.00} that same day and cancelled my debt and credit cards. They told me it would take 90 days to come up with a resolution. 

XX/XX/2023. They emailed me and said Theres nothing they can do and that my case is closed. I want my money back. chime never told us that if we lose a debit card, someone can still use it in a store without using the 4 digit secure pin number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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:
I look at my credit report and seen an account that is not mine its XXXX XXXX  bank as a charge off as bad debt in which it does not belong to me it says status update XX/XX/2018 last payment XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: IL

Complaint narrative:
I look at my credit report and seen an account that is not mine its XXXX XXXX  bank as a charge off as bad debt in which it does not belong to me it says status update XX/XX/2018 last payment XX/XX/2018 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