vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In XXXX XXXX XXXX closed my account and charged it off as bad debt for which I received a XXXX and it was filed on my tax return. Though the debt was charged off, my credit reports drill reflect the full balance. In efforts to get the situation resolved by making a payment toward the balance, XXXX XXXX does not allow you to make a payment with them. When calling back, XXXXXXXX XXXX leaves me on hold for extended periods of time. It is illegal for XXXXXXXX XXXX to take the full balance from me on a debt that they have already charged off and received tax benefit for. It is unfair for XXXXXXXX XXXX to let my credit continue to be negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My husband opened a Best Buy Citibank credit card in XXXX. Citibank to date has withdrawn XXXX XXXX. They had authorization to withdraw XXXX. XXXX  a month. At times they went into my account which only had our social security and civil service pensions and withdrew money several times in a month. Most recently they withdrew XXXX XXXX. The account is now in the negative. I want them to reimburse all the money they took. I cant believe they can get away with these deceptive practices. I read your lawsuit against them and I feel victimized by them.

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 2022-11-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit limit on my XXXX credit card is showing {$600.00}. The credit limit is {$6000.00} and has never been {$600.00}. XXXX  shows the limit as {$6000.00} so there is an error showing on my credit report of {$600.00} which has made it appear as a decrease in credit of {$5400.00}.

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 2022-11-17 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: MD

Complaint narrative:
There are unauthorized credit inquiries on my credit profile.

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 2022-11-17 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: PA

Complaint narrative:
According to Federal Law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXXXXXX has been furnished onto my consumer report and this specific furnishing is an extreme adverse item of information which antedates my report by XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 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 was minding my own business, studying in the library at my college last Thursday, XX/XX/XXXX, when I get an email from Chase at XXXX pm saying, " We sent your wire transfer. '' I was surprised by this because I had never sent a wire transfer nor even set up the service that allows you to do so. I logged onto my banking app to make sure this was legitimate and saw that there had, in fact, been a {$900.00} transfer from my savings to my checkings and then a wire transfer from my checkings of {$630.00} ( with a fee of {$40.00} ). I find out that the wire template had been activated on my account an hour prior with Chase 's secure message center reading, " You are now able to send a wire transfer to XXXX XXXX. '' I panicked and called Chase immediately. When connected, I was asked a series of questions asking. I admitted only to using public wifi. I had never willingly given out my banking information to anyone besides my parents. They proceeded to freeze my account and promised to call me back the following week. I received no correspondence and decided to follow back on Wednesday, XX/XX/XXXX. I was told then that during their investigation, Chase found no evidence of fraud since the transfer was completed using no unrecognized devices and was at my same IP address. I kept trying to appeal, providing them with more information like my login history, that my computer may have had malware on it that compromised my online information, and they kept redirecting me to other departments and ignoring my plea. I didn't know what to do but go to an outside party to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I paid my collection to XXXX XXXX XXXX on XX/XX/XXXX to their 3rd party lawfirm of Andreu, Palma, Lavin & Solis. I was advised that the 3rd party lawfirm sent notification to XXXX XXXX on XX/XX/XXXX that my debt was settled for less than is owed. At this point XXXX XXXX was to remove the debt from my credit report as is their normal practice. Per my new mortgage lender ( trying to buy a new family home ), this debt is still showing a balance of {$760.00} remaining ( difference of what I settled my debt for ). In speaking with XXXX, they are stating that they did received the monies collected but have not received notification of the debt being settled and closed. They sent a request to the lawfirm to confirm on XX/XX/XXXX. As of XX/XX/XXXX, they have not received a response nor have they closed my account out. This has now been over 60 days since I paid this debt on XX/XX/XXXX and is causing me to possibly lose my new home and large deposit that I have placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
ive sent full payment certified mail and return reciept. numerous of times to XXXX XXXX, and payment hasnt been applied to account, furthermoire it remains on my credit report, which hinders me from establishing good history. 

Ive also sent full payments to Capital One, and still nothing happened. im tired of sending payments and these companies arent applying to my account. 

XXXX XXXX XXXX XXXX is the last payment ive made to an organization, and theyve done the same as the others. I want my credit report placed back in good standing and to never do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XX/XX/2022 account electronically compromised funds fraudulently withdrawn 30 days later no hopes of being made financially whole. After many many hours on phone with reps..USAA BANKS XXXX  lock me out of my account..Phone calls and internet verification impossible. IM here with no other avenues of action.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am a natural person, I am a living human being, I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed be remove because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: DISCOVER BANK
State: NV

Complaint narrative:
I sent several dispute letters to discover bank regarding inaccurate information on my consumer report discover bank refuse to remove this item off my consumer report. I feel like Im being taking advantage of and they are disregarding my disputes. I know my rights as a consumer and discover bank is not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: NE

Complaint narrative:
WHILE ON THE WEBSITE IT WOULD NOT ALLOW MY LOCKING THE CREDIT REPORT WITHOUT PAYING A FEE. 

ADDITIONALLY, MY INITIAL CREDIT SCORE WAS XXXX, AFTER I " JOINED '' THE SCOPE IMMEDIATELY JUMPED TO XXXX. THIS IS ARTIFICIALLY HOLDING THE SCORE DOWN AND DOES NOT REPRESENT FAIR CREDIT REPORTING. THIS WILL BE REPORTED. 

EXPERIAN HAS CLEARLY ADOPTED ITS BUSINESS MODEL TO FORCE THE CONSUMER TO PAY TO GET ACCURATE AND UPDATED INFORMATION, WITHHOLDING THE KIND OF INFORMATION NECESSARY FOR THE CONSUMER TO PROTECT THEMSELVES AGAINST DIGITAL THEFT OF THEIR DATA. 

ACCURATE AND FAIR REPORTING OF CREDIT SCORES AND LOCKOUTS ARE TO BE BASIC TO PROTECTION AND PRIVACY IN THE PROCESS OF PROVIDING THIS INFORMATION. THEIR FEES FOR SERVICE SHOULD BE ON THE BACKS OF THOSE THAT USE THE BUSINESS INTELLIGENCE IN THEIR FOR-PROFIT BUSINESS, NOT ON THE BACKS OF THE PEOPLE WHOS DATA IS USED FOR THAT BUSINESS INTELLIGENCE. EXPERIAN IS CHARGING ON BOTH SIDES OF THIS DIME AT THE EXPENSE OF THE CONSUMER THAT CAN NOT AFFORD THEIR SUBSCRIPTION FEES AND THIS NEEDS TO BE CORRECTED.

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 2022-11-17 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: FL

Complaint narrative:
Fraudulent inquiries appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I paid my collection to Midland Credit Management on XX/XX/XXXX to their 3rd party lawfirm of XXXX, XXXX, XXXX XXXX XXXX. I was advised that the 3rd party lawfirm sent notification to Midland Credit on XX/XX/XXXX that my debt was settled for less than is owed. At this point Midland Credit was to remove the debt from my credit report as is their normal practice. Per my new mortgage lender ( trying to buy a new family home ), this debt is still showing a balance of {$760.00} remaining ( difference of what I settled my debt for ). In speaking with Midland, they are stating that they did received the monies collected but have not received notification of the debt being settled and closed. They sent a request to the lawfirm to confirm on XX/XX/XXXX. As of XX/XX/XXXX, they have not received a response nor have they closed my account out. This has now been over 60 days since I paid this debt on XX/XX/XXXX and is causing me to possibly lose my new home and large deposit that I have placed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
Cant open checking accounts with any bank because they say from my report on Chexsystems which has inaccurate negative info on there and I want it removed I dont have any negative history of check cashing issues because I never can cash a check either due to what is reported in my report and its not fair Ive been dealing w this for years now and no one ever helps me or tells me why

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 2022-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Based on New information I would like you to reinvestigate complaint # XXXX Please hold them to a higher standard of how they are doing there investigation into this matter Please see 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 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
to whom it XXXX concern, im writting to you becusae my mortgage company ( select portfolio servicing ) is taking advantage of me. 
select portfolio servicing sent me a letter letting me know that they are adjusting my interest rate from 5.125 % to 20 % becuase my account shows behind. 
i was very surprised since all my mortgage payment are always made on time and plus i have every single cancelled check showing select portfolio servicing cashed my check. 
select portfolio servicing told me that they apologize but since the account was transfer from the previous services ( 6 months ago ) they never recieved the complete details of my accont and it was their mistake. 
select portfolio servicing also told in the mean time i had no option and to pay the new monthly mortgage payment based on 20 % interest rate until they clarified the mistake made by select portfolio servicing and the previous services. 

i am so upset about select portfolio servicing response considering select portfolio servicing made the mistake and it is unnaceptable that select portfolio servicing is taking advantage of me. 

please any help will be very appreciated it since next month my payment will increase 4 times from the original amount and i dont beleive this is fair since it is select portfolio servicing mistake when my mortgage got transfer to select portfolio servicing. 

thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Credit agents are reporting without my consent nor do I have a written agreement to display that on my credit and they're still doing it against federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 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:
Experian credit bureau has violated my rights according to 15 U.S.C 1681i procedure in case of disputed accuracy. It's been well over 60 days since Experian conducted an investigation into my dispute and my credit report is still reporting inaccurate information. According to the FCRA everything must be 100 % accurate. I am disputing a collection account XXXXXXXX XXXX XXXXXXXX account number XXXX. it was closed and removed by the original creditor Via a CFPB complaint response where it clearly states the steps, they took to have the account withdrawn from the credit bureaus. I have also attached a screenshot of the company 's response

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 2022-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I recently discovered there was a mortgage taken out in my name in XXXX of XXXX. The account information appeared on my home page for the mortgage serving company XXXX XXXX. My XXXX XXXX XXXX account was moved to this new company starting XX/XX/XXXX. I was shocked to see this mortgage appear. Researching the mortgage, I see the account was established on XX/XX/XXXX. The company named on this loan is Resurgent Capital, Resurgent Mortgage Serving. This is the same company I filed a complaint with CFPB, ( # XXXX ), on XX/XX/XXXX. Resurgent was attempting to collect a debt from a bankruptcy filed in XXXX. I explained to the person calling that day that Federal laws prohibit any attempts to collect on a bankruptcy 21 years later is in violation of the law. I asked for the callers name, ID case number, etc. They never came back on the line. So I have a mortgage account, falsely set up using an apartment I rented back in XXXX. We lived there for one year. I have all the supporting documents to show what they did. This is outright fraud. I have asked XXXX to remove this bogus mortgage from their website and they emailed back stating there is no way to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Repeatedly I have received phone calls from Portfolio Recovery. I answered one of the calls, and called independently, to tell them I have not debt, have a perfect credit rating, and they must be mistaken. They told me they will take me off the list of theirs. I still get the phone calls, once or twice a day. I have not owed anyone any money, have no debt and this is maddening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
my loan has been approved for home retention and I wish to move forward with the loan modification however Citizens Bank still has not sent me the final modification documents needed to finalize the modification. I was initially told by Citizens Bank loss mitigation dept that it could take 2 weeks to get the final modification documents generated from the initial approval. It has now been 6 weeks and the final modification documents still not have been generated. The approval letter from XX/XX/XXXX clearly states that In order to accept this offer, please send back the final modification documents, signed and notarized ( if applicable ) by XX/XX/XXXX, The letter also states that if I dont send the final modification documents my XX/XX/XXXX my modification will be null and void I am worried that by not getting the final modification documents sent to Citizens Bank by the deadline of XX/XX/XXXX, it will be used against me to null and void my modification as stated on the approval letter. North Carolina is a non-judicial foreclosure state so I can lose my home very quickly if the investor that owns my loan starts the foreclosure process. I WANT TO KEEP MY HOME!! Citizens Bank is not servicing my loan correctly by not sending me the final modification documents in a suitable time frame.

Company response to consumer: Closed with explanation