vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
upon receiving message that my application for credit was supposed declined. I realized that I had not applied for credit for maths now. So I reach out to the company a I was told that they have no record of me aplyibg for credit. but next day there it was on my report. 

So I called the bureaux ( obviously pointlessly ) since the bureaus are compliant with the scammers out there and there's no checks and balances clearly.. 


anyways. the bureaus shrugged off and told me to complain to FCBP so here I am now I also went to the same company west site and simulated a new credit application... but I didn't use my name. I used a same name but scramble the word XXXX and change the last name. and as social security I literally used XXXX that how much of a joke that was. 

guess wha ... same thing I got a hit as hard inquiry win my report with indicates. all the disputes on my report are wrong and I demand them to be removed and deleted completely this is absurd and should not happen .. Im recording phone calls emails a and letters.. 

I'll will litigate in court and believe me .... will be stressful for all parties involved .... 

please and thanks ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
RADIUS GLOBAL SOLUTION XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX This company has violated my rights under the Health Insurance Portability and Accountability Act of 1996 and the the Fair Credit Reporting Act

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 2022-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
Merchants Adjustments ServiceXXXX XXXX  did not prove the indebtedness. 

Why remove it if the debt was legitimate and the services were provided? That supports my assertion that they have BOTH breached the law and committed a crime and caused me irreparable harm. My credit worthiness, reputation, and capacity to receive credit have all suffered. You must now pay me punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
First, I get two mails from Chase Bank to my address informing me that I recently applied for an account with them. They went to acknowledge that the account were not authorized because there was not enough verification provided to verify that it was me opening the account. Both letters were dated XXXX XXXX XXXX. I didnt think nothing of it and thought everything was okay. 

Second, XX/XX/XXXX I received XXXX emails from JPMorgan Chase Bank. They came in around evening time around XXXX confirming that I enrolled in their credit monitoring program. Next day comes around XXXX I found chase number on their website to contact them over the phone, I speak to an agent then they transfer me over to the claims department. The agent answers to take all my information and the guy tells me that the account was processing but there was not an active account but he did see 7 profiles under my name but there were not any accounts. Someone was attempting to open accounts under my name but they were not processed. As the agent is processing my identity theft claim the call drops. 

Furthermore, I call back to get back to the claims department this time Im met with rude agents. Im transferred over to someone and the agent refuses to give me help. I am begging with them to stop the account before the account processes and go through but they tell me they can not help because theres not any account opened. I call back again to get a new agent shes talking so fast and being rude, she ends up setting my my identity theft claim but I blame chase because i ask them why would they process this account when I called earlier to warn them it was fraud. I never been a customer of chase ever and been a customer at XXXX XXXX XXXX for 5 years.

Lastly, I call back again to get more information form they account they refuse to tell me. They inform they added an alert. So I already frozen my credit as well and I then i sit on hold for 2 hours with no help. Agents are all rude and dont want to help. 

I called today XX/XX/XXXX to get more information but the agent ends up being helpful but she also refuses to help me out. She seemed lost or just laughing it off when this is serious. They didnt even want to disclose my information with me and I told them it was me. So, I told them Ill go to the branch with my police report to get this done and they said itll take days on end for them to process. Im very upset and angry, this is misuse of peoples information. Chase needs to be held accountable for this immediately and remove my account asap without a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I requested a refund from AidVantage, per the CARES act on XXXX XX/XX/2022. My balance, originally {$1800.00}, was updated to reflect interest charges that were charged to me during the payment pause when XXXX XXXX interest was supposed to be charged. My new balance is {$2100.00} which is completely negligent of Congressional mandates and abusive. 

Today I received a check from the Treasury for only {$660.00}, which certainly does not cover the original payments made of XXXX. This feels like fraud and abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: NC

Complaint narrative:
On XX/XX/XXXX I mailed another certified letter to Transunion concerning XXXX XXXX XXXX accounts showing on my consumer report. I asked them to delete these accounts because they were inaccurate. All XXXX XXXX accounts have been deleted from my XXXX consumer report. I know all three reporting agencies are required to report the same information. Transunion did not investigate the information, if they had the accounts would be deleted. I asked them to send me the procedure of how the accounts were verified, but I have not received that. I know I have a right to receive that information. Account for the amount {$8300.00}, There is inaccurate information, for the XXXX history : XX/XX/XXXX account XXXX days late, XXXX & XX/XX/XXXX both months XXXX  days late, how can both months be XXXX days? Inaccurate information you are reporting. Transunion said this had been verified. The account status : charge off, delete this accounts charge offs are not to be reported on consumer report. Transunion is in violation of the law not verifying the information they are reporting. Account for {$9300.00} has been deleted on XXXX consumer report, if Transunion had done the investigation they would know this account has been deleted. Payment History : XXXX account XXXX days late, XXXX, XXXX XXXX 2021 each month the account is XXXX days day. How can this be? There is not XXXX days in a month, Inaccurate information delete the account, The next account {$6400.00} has been deleted on XXXX and need to be deleted by Transunion, Payment History : XXXX  2021-account XXXX days late, XX/XX/XXXX, XXXX, XXXX, each month XXXX days late, again inaccurate information, I have requested that this information be deleted from my consumer report before, and Transunion continue to furnish inaccurate information.

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 2022-12-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

15 USC 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt In addition to the other accounts, XXXX XXXX XXXX admitted to NOT having a contract with me ( please see attached docs ) via the XXXX  so they need to be removed ASAP. Also posting personal information of the said consumer online via the XXXX complaint for anyone to access.

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 2022-12-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

15 USC 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt In addition to the other accounts, XXXX XXXX XXXX admitted to NOT having a contract with me ( please see attached docs ) via the XXXX so they need to be removed ASAP. Also posting personal information of the said consumer online via the XXXX complaint for anyone to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I have tried to resolve the issue with this company about my taxes being removed from my mortgage payment. The first time they did not complete their job I simply called to check the status and found out they failed to even verify anything just went with what was currently on my account. I then called my tax commissioner and was informed the supervisor has been out but they immediately updates my taxes. Called back to mortgage company they already had approval letter and documentation signed and all about being tax free due to 100 % XXXX they then opened a new research case instead of using current one and said they were going to have to wait timeframe to process refund. They didnt know how much refund was but knew they paid out taxes on my account. I called got refund amount for both tax disbursements after mortgage company tried to say they only paid out XXXX. Then they voided XXXX and was supposed to put it back in my escrow account. Never has been deposited. The check from tax commissioner office was received by them on XX/XX/XXXX in amount of {$1300.00} but they tried to deposit only {$810.00} of it but now are saying they have to verify amount of check or someone keyed it in wrong. Yet it has been XXXX, months since this started, they have not gave me my money back has not given me an update or answer on whats taking so long, no time frame has been given or stuck too. Last time it was it would be completed by XX/XX/XXXX and it still hasnt and keeps says its been expedited but now when you cant tell me a time frame for an expedited case that should be faster than a normal case time especially if you have all the information. I think they are a scamming fraudulent mortgage company who thinks they can steal people money and not expect someone to follow up and call them out on their thieving acts and I will not tolerate this especially when you constantly lying and harassing me for payment for XXXX when it still includes taxes just like XXXX payments did and I paid them cause they said it would be done before the next month and the next month came and it wasnt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: ERC
State: KY

Complaint narrative:
I have never entered into a contract with this company. I have not given them permission to report my personal information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had send a disputed letter on XXXX XXXX the item XXXX XXXX was remove I noticed today XX/XX/2022 TransUnion placed XXXX back 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 2022-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Hello I recently filed a complaint against the credit bureaus because my personal information was wrong, since it contained names and addresses that did not belong to me. Recently already removed this false and misinformation. What it hasn't removed is this collection account that PortFolio Recovery is reporting to me that it doesn't belong to me. I have no knowledge of where that debt comes from. A month ago I sent a debt validation letter and to date I have received no response. 

I want you to send me all the evidence or remove it from my credit report since this account is preventing me from having the credit approval that I want.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX and anxiety upon my search I found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) method of verification- description of reinvestigation procedure. I have recurring collection that has been reported and asked to be removed several times. This XXXX XXXX XXXX has been unlawfully requesting {$100.00}. The account number ends in XXXX. I also have an inaccurate balance of {$4500.00} with XXXX at XXXX ( XXXX XXXX ). This company is reporting a false and inaccurate debt amount. The account number ends in XXXX. I would appreciate it if both of these accounts could thoroughly be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hello, My name is XXXX XXXX and I am writing on behalf of my father XXXX XXXX, who is not getting any information from Citizens Bank. 

My mother did the banking and she passed away from XXXX on XX/XX/XXXX. My father does not speak much XXXX and has medical issues, so I have been handling his finances. 

We were made aware in XXXX of XXXX that my parents home equity line of credit was coming due. They were offered a loan modification with a 4 % interest rate on their loan that has XXXX left to pay. 

I contacted Citizens and advised them that my mother passed away. I was told to have my father sign the document and send this in plus a copy of my mothers death certificate. 

I spent the next XXXX  months calling Citizens and was ensured that we would get a call back. This did not happen until XXXX when I was told that they lost the documents and wanted me to submit the docs again, While waiting, we saw the interest rate and payments go up. My father is on social security and lost the second income to the home when my mother died. I stressed this to the bank and was told they were going to help him. 

All of a sudden they converted my father into a mortgage without our knowledge and have doubled his payments. I called multiple times and asked about the status of the loan modification and I can not get anyone to return my call. They just tell me that the loan is still in process. 

My father and I believe that Citizens are withholding information and are not giving us any information in order to not process the modification. This is not good Customer Service and we hope that someone can help us to understand what is going on. 

My family does not need this headache, especially after losing my mom. 

If someone can contact me it would be appreciated.

Company response to consumer: Closed with explanation