vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Dear XXXX, I enrolled with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Soon after enrolling, I developed a health problem that prevented me from working out at the gym. I called XXXX asking them to cancel my membership. I was told they could only cancel my membership if I showed up in person. I told them it was not possible because I was ill. 

They continued taking membership fees from my account following my request to terminate the membership. I asked my bank to block them from taking money from my account. XXXX continued billing me. 

I never once showed up at their gym. They eventually canceled the account and sent the account to collections. Aldous & Associates , PLLC, the collections company, posted the account to my credit history claiming I had an outstanding balance of {$160.00}. They have since refused to remove it. I don't owe XXXX anything. This is fraud. I would like to delete this from my account. This is on my credit report only because Because of this account, I have failed to secure a student loan. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 non-monetary relief
Consumer complaint received 2022-09-28 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: EQUIFAX, INC.
State: IL

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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: Freedom Mortgage Company
State: OH

Complaint narrative:
on XX/XX/22 I was alerted by one of my creditors that my DTI was extremely high as they were reviewing for a potential credit increase. this was due to my mortgage company reporting my loan twice making it appear that I have multiple home loans to the tune of XXXX XXXX dollars. I contacted them to have it corrected and sent them documentation showing the duplicate entries. they replied it should be fixed by Monday. Monday came and nothing has been fixed. 

on XX/XX/22 they contacted me and told me that the information reported on my credit was correct. even as I told them I only have one home loan with you and to explain the other loan. I have informed them twice now that they are causing me financial harm and hardship as this has lowered my credit score by over XXXX points and I have credit card companies asking me to get this fixed or they will close my accounts. even as I have paid all my bills 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 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited {$30000.00} in a new checking account for my daughter 's wedding. Plans changed and when I went to close it after 5 months they said there would be a {$50.00} close fee. They also said there would be a {$25.00} fee for a cashiers check. this made me mad so I said ok just give it to me in cash. they said they did not have enough cash and I would need to call and arrange for the cash. 

I do not believe either fee is appropriate especailly since they had my $ XXXX for over 5 months nd never told me about either

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 2022-09-28 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: TX

Complaint narrative:
XXXX XXXX wrote off a collection amount of {$220.00} claiming I opened an account with them on XX/XX/2022 and closed it on XX/XX/2022. I had no knowledge any of this even existed. It was written off about XX/XX/2022. I asked Transunion and XXXX to research it and remove it. After presuming my name, SSN, and DOB were sufficient information on the account opened online, they both decided it was still my account. It was opened for an apartment XXXX hours drive from my house. I did not open it because I did not need electricity for a residence I do not rent XXXX hours away. The phone number on the account has a XXXX XXXX area code, which I have never been to. The email address is actually the perp 's name and his birth year!! The criminal was born and still lives in the city in question. I have NEVER resided there. I have been basically ignored by both XXXX and Transunion!!

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 2022-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
I keep getting calls and text messages from Central Portfolio Control Inc . I have asked them to stop calling me for a XXXX XXXX. However, they do not. It will go a couple of weeks then they will start again. I want them to stop sending me unauthorized text messages and phone calls. I am not XXXX XXXX. The guy wasn't a XXXX citizen and skipped town after he did a hit-and-run in XXXX. I have owned this number since XXXX and its constant XXXX calling me for this guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
The Mortgage Company is United Wholesale Mortgage during refinancing for some reason my insurance company did not pay my insurance to this Mortgage company. The underwriter said the Notice to my insurance company did not so for 3 months it was not covered. They demanded that I pay XXXX for insurance with them 3 and half times what any other insurance would cost anywhere. I then talked with them and agree to pay XXXX of 3 months and then gave the proof of my new insurance is paid in full. They told me at that time if I paid their insurance they would remove their insurance off my bill they did not. In fact, that told me I will have to pay and increase payment from my payment of XXXX to XXXX and this would be thill there XXXX is paid off and it will force me to pay my insurance. Better known as blackmail. I have been paying my mortgage every month and have not missed a payment only to find out they are only taking the money for principal and not paying the interest on the loan. so it causes me to have a partial payment and they are trying to charge me Late charges as well of {$39.00} but I was never late at all. I have never missed a payment on anything in years no less than 25 years Taxes are paid out of pocket and on time there is no reason for them to take any Escrow on this loan it is a VA Fix loan I am a 100 % XXXX vet on a fixed income and they are just ripping me off. I must be a good payer I have a credit score of XXXX. No late payment everything is on Autopay or paid in full at the time of payment. I have to remove UWM from auto Pay because I fear they remove the money they are illegally trying to get. The XXXX dollars they are trying to take would be a problem for me with the economy being as it is. that money paid for the Gas I need to go back and forth to the XXXX 3 times a week. They are trying to force me to pay money they should not get I need your help right now they are trying to make me pay an additional {$2000.00}. on top of the {$990.00} or {$72.00} extra months this robbery and wrong. If I can't get help from you I will have to go to court for so remedies which to lawyer already recommended I do because they are in violation of the laws. I hope you can help I can't afford to go to court but if you can't help me I have to. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had a newly leased vehicle with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX The vehicle was totaled. My insurance company XXXX XXXX ) attained the pay off for the vehicle which was {$20000.00}. This was exactly what I owed and matched my pay off on the XXXX finance website under my account. XXXX sent them a check on XX/XX/XXXX. Subsequently, I received a bill for an additional {$3300.00}. The XXXX XXXX company stated the vehicle was valued at {$23000.00}. They have asked for me to pay the difference. My insurance company contacted them and got the payoff for the car. I don't believe I should have to pay for what they VALUED the vehicle to be, I paid what I borrowed and ultimately owed after making the monthly payments for a few months. They have put it on my credit report as past due on XXXX, Transunion and XXXX. I have a letter from my insurance agency to XXXX, it reads " Contact was made with XXXX XXXX XXXX on XX/XX/XXXX, requesting the payoff amount for XXXX XXXX leased XXXX XXXX XXXX. During this contact, a Lease Payoff of {$20000.00} was quoted. The telephone representative advised once the lease payoff was received the lease would be closed and title issued too XXXX  '' I have notified the credit agencies.

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 2022-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
My discover online saving account be scam and without my authorization to process XXXX transfer funds to other banks during XX/XX/2022 to XX/XX/2022. Someone stole my information and open accounts and access discover online saving to withdraw my money. I reported to discover bank on XX/XX/2022 immediatley when I found this fradulant transactions.. They closed my account xxx XXXX and issued a new account xxx XXXX to me. Discover has filed an investigation for my disuputes, however, they send me a letter on XX/XX/2022 said XX/XX/2022 to XXXX bank ACH transaction {$10000.00} ( total are XXXX XXXX transaction {$20000.00} ) are valid, and will debt this amount on XX/XX/2022 from my account. I call XXXX bank represententive : XXXX to report Identity Theft today. She told me she can't find my account. 

Following list are transactions for dispute. 

on XX/XX/2022, XXXX withdraw XXXX XXXX, amount {$55.00}, on XX/XX/2022, XXXX withdraw XXXX XXXX, amount {$4800.00} on XX/XX/2022, XXXX withdraw XXXX XXXX, amount {$0.00} on XX/XX/2022, XXXX withdraw XXXX Bank, amount {$10000.00} on XX/XX/2022, XXXX withdraw XXXX Bank, amount {$10000.00} on XX/XX/2022, XXXX payment to XXXX XXXX, amount {$600.00} on XX/XX/2022, XXXX payment to XXXX XXXX, amount {$600.00} on XX/XX/2022 XXXX payment to XXXX XXXX, amount {$600.00} XXXX filed a police report with sheriff : XXXX XXXX XXXX ( her email : XXXX & XXXX : XXXX ) with case number : XXXX on XX/XX/2022 since discover will reverse {$20000.00} ( on XX/XX/2022 ( XXXX XXXX Bank ). I need additional information to ask Discover to reopen this dispute. I call Discover bank today to get copies of the documents regardings their investigation. They say they don't have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This is an issue im having with my BJ 's credit card from comenity bank. Very long story, when originally opening the account around late XXXX i received 2 different cards both under my name, since i'm XX/XX/XXXXthere i went and asked if theres anything i should do and I was told to just activate one and leave the other which is what i did, ever since that day I opened an online account to manage my card and it would come up under the other account number, called a couple of days after this to see if the issue could get fixed, was told they are updating their systems and i would be able to have my issue sorted XX/XX/XXXX or after. Called middle of XXXX to see if it could be fixed, had online account deleted and remade still with the same issue, used their easypay feature to make a payment on the card i was using ( also on the easypay page would come up as the other account number instead of the one being used ) made a payment for the XXXX of XXXX about a month ahead. Come the XXXX of XXXX when payment was due i check the account and the payment has gone to the blank account that i have not activated or used. Called them for a refund and to pay off the bill once again. Thought this went smoothly and called a couple of hours later to make sure everything was gon na go through and was told the payment was never processed and that the refund also wasn't put through. This other person did push the refund through and also take the payment which did go through in the future, unfortunately to the same blank account when i was told it would pay off the correct one. Called this morning about getting another refund and finally paying it off and this person helped with the refund and the payment and assured it would go through to the correct account but that i'm still waiting for. They also very kindly credited me the late fee that was added for my " missed payment '' .Very frustrating issue to deal with that nobody can fix apparently and its been going on for about 3 months now and i very much dont want to have any issues with my credit so i'm looking to get some help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28 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: AR

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 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 before that the information is inaccurate.

Multiple of these accounts have inconsistencies in the reporting pictures are also 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 2022-09-28 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: AR

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 XXXXXXXX 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 before that the information is inaccurate.

Multiple of these accounts have inconsistencies in the reporting pictures are also 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 explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I posted my old radio on XXXX XXXX. A buyer reached out and sent the money via XXXX to me of the amount of XXXX. I received an email stating that I was not a business certified user of XXXX and in order to get the funds transferred to my Chase accountXXXX I would have to send an amount of {$300.00} and I would receive {$500.00} after the verification process was complete. I received another email saying that I would need to send a certification processing form fee of {$900.00}. At this point I realize it was fraud. I immediately called my bank to stop the transaction but the bank stated they couldnt do anything and I would have to file a police report. The police report is in process. After researching my options I found out that by law the financial institutions are responsible for reimbursement when fraud is involved. I am ask that Chase follows those guidelines and I can get reimbursed my {$300.00}. Please reach out if additional information is needed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JP Morgan Chase XXXX XXXX Credit Card : XX/XX/2021 {$3400.00} XXXX XXXX XXXX XXXX XX/XX/2021 {$3400.00} XXXX XXXX XXXX XXXX XX/XX/2021 {$3400.00} XXXX XXXX XXXX XXXX These charge were unauthorized on my account for service never received on my Marriott XXXX/JP Morgan Chase CC . I filed a depute and the charges was resolved and drop from my account. Then later they were added back to my account. I closed the account and JP Morgan Chase rebuild the account.

Company response to consumer: Closed with explanation