vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I sent a letter out on XX/XX/XXXX to " common wealth financial systems collection agency. Heres my tracking number XXXX, However the collection agency said they completed an investigation and everything was accurate. 

Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( XXXX XXXX ) credit report. My latest credit report shows ( 15 ) credit inquiries that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
My checking and savings account with First Citizens bank  was closed without notification a few months ago and a check was sent to me for the remainder in my account. The problem is I was not notified of this and when I received a notice from the post stating I had a letter to pick up I did not make it a priority as I did not know a check was supposed to be arriving via post and so it fell to the wayside. I have contacted the bank multiple times to find a resolution and the most current suggestion as of XXXX was to leave a message for their investigator to determine the location of the check that might have been sent back from the post. I am missing XXXX dollars from this bank and they are failing to do anything to ensure I receive this in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: NY

Complaint narrative:
I am confused on late payment accounts that are reporting on my credit report. Incorrect report is being reflected and is making my score go down. Several late payment marks even though they are not accurate.

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 2023-06-28 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: GA

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-06-28 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received a letter from Midland Credit Management stating that I owe a debt in the amount of {$740.00}. I was informed that the Original Creditor was XXXX XXXX XXXX. I never opened an account with XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX  and the stated I allegedly opened an account back in XXXX. Midland Credit Management is reporting that I opened this account in XX/XX/XXXX. During this time I was in Texas performing my duty with the XXXX. This is heart breaking to find out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: UT

Complaint narrative:
Self inc closed my self credit card, with no heads up or ask if anything was going on. I used to secure a hold for a rental car. I tried to explain multiple times but they said they couldnt do anything and they were closing the account. {$500.00} of my money was on that credit card. Each time I made payments on my credit builder it out this money in my credit card. I was told by reps my {$500.00} would be sent via electronic payment but still have received nothing. No one can answer my questions and its been a month. The chat agent says they escalated my request and I will get an email but I cant contact them via phone or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group
State: MI

Complaint narrative:
The house I own needed a roof. The roofing company used a financing company called Foundation Financial. My sister lives in my house and she was unable to qualify for the loan on her own so I co-signed for her. I reviewed all of the paperwork and signed. She has been making all of the payments but after several months of making the payments, the loan has not gone down at all. I asked her what the interest rate was. She could not find it on the bill. So I looked at the original paperwork to see if the interest rate was disclosed- it was not included in the original paperwork. I signed into our account online and looked at everything online. There was nothing about the interest rate. All of the statements did not disclose the interest rate. The original paperwork was not available on the online account. There is a XXXX filing against my house for this loan but there is nothing specific about the loan either. My sister called the company and asked why the loan balance was not going down. They indicated that is was being applied to the interest which is charged daily. She asked what the interest was. They said it is 9.9 %. She asked if it is 9.9 % daily and they said no you have to take 9.9 and divide it by 365. That is all the information that is provided. We have no way of knowing what portion is paid/ has been paid to interest vs principal. This feels deceptive and not what we agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Securus J Holdings, LLC
State: NM

Complaint narrative:
Jpay was what I was forced to use everytime I went to XXXX  XXXX XXXX detention center since XXXX to present and it has been about 5 or 6 times. 

The company is always forcing g fees on me and stealing my money. They won't give me a y information on transactions etc. 

They force me to only go through them and then I'm at there mercy when I make purchases or when I get out they force all the money ey I have on there card. 

They have not been willing to give me my information on transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
In XXXX, my landlord requested we set up an account with XXXX and XXXX XXXX and begin covering our own water bill. I did so, and was sent a bill for a {$100.00} deposit. I wrote a check on XX/XX/XXXX, dropped it in a XXXX XXXX on XXXX XXXX, and went back to my life. 

A month later, I noticed my checking account appeared low. I noticed an unusual withdrawal of {$900.00} from my checking account. Clicking on the transaction, I could view an image of a check I'd written on XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX' for {$100.00} that had been washed and rewritten to " XXXX XXXX '' for {$900.00}. The check had been deposited on XXXX, one day after I attempted to mail it. 

On XX/XX/XXXX, I went to Chase Bank and filed a Declaration of Unauthorized Endorsement or Altered Item. Chase was very helpful from the start, saying they could clearly see this check had been washed. I submitted the forms and Chase credited my account for the {$900.00}. They explained this was a credit and the depositing bank is responsible for repayment. The depositing bank, they told me, was XXXX. 

XXXX  responded to Chase saying that they set up a claim and were investigating. Now, a month later, Chase has sent me a follow up on my case saying " if we haven't heard anything from the depositing bank within 90 days of the date of your claim submission, we will close your claim and your funds will not be recovered. '' XXXX  accepted a clearly fraudulent check and is now unresponsive. I am at risk of losing the {$900.00} credit from Chase, as they will not protect me as a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
We were initially overcharged on our monthly mortgage payments from XXXX onto XXXX or later and had a difficult time trying to modify our loan. This caused us to be in arrears with payments.

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 2023-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
We entered into a contract with a XXXX XXXX. He was pre-approved and everything was going smoothly until it came time to close, and the closers at UWM on his loan have repeatedly lost information and delayed the closing date by 3 weeks at this point. They keep calling the title company and saying his file has met all the conditions, but they wont issue the clear to close. I think he is being discriminated against and red lined because of his national origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TEXAS CAPITAL BANCSHARES, INC.
State: CT

Complaint narrative:
I have an online savings account with XXXXXXXX XXXX, on XX/XX/ I did a {$50000.00} wire transfer, they took so long, let so many days go by, that when they finally did the wire, the account it was sent to was full after all this time elapsed, so it was not accepted and marked for return, the bank told me I would have funds by end of day, next day the latest, As it stands on XX/XX/XXXX  I still have no refund, every time I talk to bank, talk to different people get different story each time. there phone is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I received my credit report on XX/XX/26 and noticed hard inquiries that didn't have a permissible purpose on my report. These hard inquiries are hurting my ability to get approved for financial products that can benefit me and my family. I already contacted the credit bureau about this, and they are unwilling to assist. My rights under 15 USC 1681 b. have been violated. I have attached the hard inquiries that have no purpose on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: UT

Complaint narrative:
I filed a dispute with Chime bank for two transactions. One transaction on XX/XX/XXXX for {$8.00} and another for a transaction on XX/XX/XXXX for {$1100.00}. I filed both transactions at the same time advising chime that the transactions were not me and they were fraudulent as my wallet was stolen at a concert. Chime accepted the transaction on XX/XX/XXXX acknowledging it was fraud and refunded me the {$8.00}. To my surprise the transaction on XX/XX/XXXX for {$1100.00} was denied almost immediately. I asked them why the transaction on the XXXX was fraud and not the one on the XXXX as of course if my card was compromised on the XXXX, why would it not be on the XXXX. They gave no explanation as to why they approved the one for {$8.00} and not the one for {$1100.00}. They gave me the option to file a rebuttal, so I did. In the rebuttal I even provided a police report I filed with my local police department saying my wallet was stolen and unauthorized charges. They denied it almost immediately again. Frustrated I am missing {$1100.00} which was my rent money I reached out. They said I could file a rebuttal again. I did so, and again next day denied. The quickness they denied the claim for {$1100.00} makes it seem like there was not even an investigation. Fed up, I closed my account, still missing {$1100.00} I trusted putting into the account. With that I had to get loans to pay my rent, and they made a final decision of not investigating my dispute. Highly upset. They advised me that they would send me over documentation that would show why they made the decision they made in 10 business days. A month later still no documents showing why they made the decision they made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I don't know anything about this debt or company, XXXX XXXX XXXX XXXX XXXX received {>= $1,000,000} in XXXX money, This company is fraudulent and should be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct 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 2023-06-28 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have never applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: EdFinancial Services
State: GA

Complaint narrative:
I paid off my student loans- the last check I wrote was for {$2700.00} ( payoff amount ). Check Number XXXX. The check was cashed and posted to my bank account XX/XX/2023. Since that time, EdFinancial has failed to update my outstanding balance to XXXX. As of XX/XX/2023 it still shows I owe {$2700.00}. I have called multiple times, sent a letter with a copy of the check, created countless requests with EdFinancial. I don't owe them any money, I paid it all off!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
I tried disputing this account and it was not approved and I reached out to the school because my refund from school balance was placed as a collection on my credit report and they refused to. Remove it

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-06-28 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: FL

Complaint narrative:
I sent letters to all credit bureaus and creditors in XXXX in regards to incorrect and fraud accounts that are reporting. The items are still reporting and need to be removed immediately! There are accounts that is 7 years old and still reporting and by law that is illegal and can not be reporting! remove it asap please! I do not want to have to take legal action but i will if this matter is not resolved. Please remove these items per 15 usc 1681 b you all are violating my rights as a consumer by furnishing this information without my consent.

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 2023-06-28 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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