vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A few months ago I have moved back to the states. I opened a bank account and they said I have my personal credit information compromised. Following bank and credit instructions I wrote three certified letters and sent them out on the XX/XX/2022, to XXXX, XXXX and Experian with a copy of my ID and copy of my SS. Although I didnt like the idea of sending all my information they said this was the only way to verify my information and solve my credit report. 
It cost me {$23.00} plus my time and frustration to send these letters proving my identity. 
Two of the credit companies have now answered me with a very poor information, no report and basically say to send the information again. XXXX which was my main concern has not answered and the letter was picked up by who knows who. 
It is unbelievable that there is no way by phone or email to find a solution and even a registered mail is not taken into a more professional consideration. 
I have been rejected by basic credit cards and I want to start building credit but I dont know how to go around this problem. 
How do I get to verify my credit information when these three companies just wash their hands. Im sure Im not the first person to move back home after 20 years and want to start all over again. I have proof of everything and I want to find a solution. Thank you

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 2022-10-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I used to have a credit card with Bank of America and after fraud on my account I stop using. I started receiving text messages to click on a link and when I called the XXXX number instead of response to the text the bank said it was fraud because thats not the number I had on record for them to contact me. 

Today, XXXX XXXX, I received a letter stating Im being served in state court with a lot of information blacked out on the documents so I cant dispute. The envelope didnt have any return address and appeared used.

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 2022-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: NH

Complaint narrative:
Our mortgage with CrossCountry Mortgage ( loan # XXXX ) was refinanced with another lender in XX/XX/XXXX, and the CrossCountry loan was paid in full by our new lender. We received a letter confirming full payment and discharge of the loan. We also received a Full Satisfaction Notice in XX/XX/XXXX, and the cancelled Note & Mortgage in XX/XX/XXXX. 
In XX/XX/XXXX I received a phone call from a CrossCountry representative who advised me that an accounting error in XX/XX/XXXX ( one year previous ) had reduced my mortgage balance by over {$21000.00}, and when could I send them this amount? I found this to be implausible, so I requested a written explanation. No explanation was ever provided, but my wife, daughter and I began receiving mortgage statements and collection letters that month. Between XXXX and XXXX last year, I contacted the company multiple times to no avail or response, as their by-mail collection efforts increased in frequency and intensity. In XXXX they declared a Breach and in XXXX began Foreclosure proceedings. At that point I engaged a law firm who finally stopped the insanity at a cost to me of {$6700.00}. As seniors, my wife and I feel victimized by this lender 's deception and abuse, in clear violation of UDAAP regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
XXXX was taken XXXX company has not respond for reporting two different accounts one paid and one I never had with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2022-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello Roughly two years ago, I applied and received the chase business ink unlimited card. Upon receiving the card, I signed up and enrolled in autopay to the statement balance and to avoid interest and fees. 

I was fairly hands off with the card as I did not use it for much. Upon reviewing my account today, I noticed several interest related charges and fees because the card was NOT enrolled in autopay. Primarily this is due to a monthly recurring subscription from XXXX for {$1.00}, which later increased to {$3.00} earlier this summer ( in XXXX, or XXXX ). 

I am hereby disputing the interest and fees that I've accrued on this card as I did enroll in autopay. I do not understand why it did not go through but I should not be penalized. 

I am requesting that Chase Bank refund my interest and fees that I've accrued on this card as it is unjustified and unwarranted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-30 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
was naver late i hade no balance when i returend my car, theycame up after returning the car that i need to pay additional {$2800.00}, it was paid on XXXX out of my account, i gave in this comlaint already and thay took it off, and now they report it again on my credit,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MID-ISLAND MORTGAGE CORP.
State: MA

Complaint narrative:
On XX/XX/XXXX, our mortgage lender, Mid-Island Mortgage Corp., notified us that our hazard insurance was expiring and asked us to provide insurance information. When we contacted our insurance company, XXXX XXXX, to request information on our policy renewal, they informed us that our policy had been canceled on XX/XX/XXXX because our lender had failed to pay our premium out of our escrow account. We had been without hazard insurance due to Mid-Island Mortgage 's payment error, and they had not notified us that there was an issue. 

We immediately asked XXXX XXXX on XX/XX/XXXX to reissue a policy for us, which they did. The new policy was issued on XX/XX/XXXX. 

After repeated attempts to submit information about the new policy to Mid-Island ( including conversations with customer service representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Mid-Island acknowledged our new coverage and issued a check on XX/XX/XXXX to pay the premium on the new policy in full. However, on the check they cited the policy number of the canceled policy, causing XXXX XXXX to initially apply that payment to our canceled policy. However, XXXX quickly realized the error, applied the XX/XX/XXXX payment to our active policy issued on XX/XX/XXXX, and notified us of the error via email. We believed all issues had been resolved at that time. 

Yet on XX/XX/XXXX and again on XX/XX/XXXX, we received notices from Mid-Island Mortgage about our lapse in coverage from XX/XX/XXXX to XX/XX/XXXX. They insisted that we provide proof of insurance coverage during that time, or pay an insurance charge of {$1700.00} to them. I spoke with XXXX in the Resolutions Department on XX/XX/XXXX regarding this matter. She claimed that Mid-Island had issued a premium payment in XXXX, but said it was returned to our escrow account on XX/XX/XXXX. No one from Mid-Island had followed up on this return of funds at the time, or notified us that there might be any issue with the policy. I told her that I had documentation from XXXX regarding their communication with Mid-Island, which she asked me to send her on the communication portal. When I forwarded that information, however, I was notified that they were unable to open the PDFs, and that again I needed to provide proof of insurance coverage from XXXX or pay the {$1700.00} insurance fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
A Capital One account was open with out my permission XXXX XXXX. A balance for XXXX was created and turned into doubt. I am a victim of IDENTITY THEFT. I have reached out several times and the only thing I'm told is they will investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
On XX/XX/2022, The Law offices of Mitchell D. Bluhm & Associates , LLC XXXX XXXX XXXX XXXX mailed a debt collection notice, acting on behalf of a debt collector/ attorney, to my residence without my permission. Not only did they mail a debt collection letter to my residence without MY permission, they also claim that I owe them a debt of XXXX. I have never done business with this company, nor was I, the consumer, aware of a 3rd party purchasing information in my name and not compensating me or providing me receipts of that transaction. I do not nor have I ever initiated any consumer credit transaction with this company to owe them a dime. I have no contract with the collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30 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: FL

Complaint narrative:
I am submitting this complaint concerning inquiries that are fraudulently placed on my credit files I did not authorize these inquiries to be made, I sent letters to the creditor notifying them of these inquiries are fraudulent. Inquiries : Experian Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX -- -- -- -- over 2 years XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX -- -- -- -- over 2 years XXXX XXXX  XX/XX/XXXX -- -- -- -- -- -over 2 years XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX -- -- -- -over 2 years XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -- -- -over 2 years XXXX XXXX Inquiry Inquiry Date of Inquiry / XXXX 2 years XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date of Inquiry-over 2 years XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Consumer P XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2022-10-30 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:
All of the companies below ran hard inquiries using my credit report without my authorization XXXX XXXX XXXX XX/XX/2022 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 XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has committed numerous violations of the XXXX the rules, orders, standards and prohibitions governing consumer complaints adopted by the CFPB 's jurisdiction. As a result of this cyber theft my identity was stolen. I have had issues when applying for loans, or trying to purchase a vehicle. To date I have paid over {$1600.00} out of pocket for credit monitoring/ ID protection. To make matters worse I was NEVER contacted by Equifax to make me aware of the situation. I found out via XXXX XXXX XXXX XXXX XXXX and has to utilize my time and money to gain more information regarding this breach. It is utterly disgusting to know such FRAUD has taken place without the consent or knowledge of the people they are impacting such as myself. If Equifax was seeking money from me I can guarantee you they would've made every attempt to contact me. They must be held accountable! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am a federally protected consumer. This is a formal Notice of Default that Midland Credit Management has violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have attached Invoice # XXXX that itemizes these violations in detail. 

Midland Credit Management as not complied with the cease and desist notice they received XX/XX/2022 via my first complaint with the CFPB. 

15 USC 1692c ( b ) states without prior consent of the CONSUMER given directly to the debt collector, a debt collector may not COMMUNICATE, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law.

15 USC 1692c ( c ) states if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further COMMUNICATION with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

Midland violated both 15 USC 1692c ( b ) and 15 USC 1692c ( c ) on XX/XX/2022 by continuing to communicate with me after they received my Cease & Desist Notice on XX/XX/2022. The communication was made by updating the status of the collection account on my XXXX, XXXX, and XXXX consumer reports without my prior consent. 15 USC 1692a ( 2 ) states the term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating to 3rd parties is prohibited, in this case, consumer reporting agencies, because the Cease & Desist Notice is effective and the communication is not permitted by law.

Midland has stated in their response to my first CFPB complaint that they will continue to furnish information to the consumer reporting agencies even though the account is marked as CEASE & DESIST, this is a direct violation 15 USC 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may Concern, I informed the credit reporting agencies that the account XXXX balance {$320.00} account name XXXX  XXXX XXXX is an account that should not be reflecting on my reports because the account has been paid off. I asked that these accounts be verified and unfortunately they have not due to the affect that they still are reflecting on my reports as a collection account. I am asking that these accounts be removed immediately. I have proof that this account was paid XXXX. Also there is another account that needs to be removed from my credit report due to identity theft. The account name is XXXX XXXX XXXX. The account number for this account is XXXX, and the balance on this account is {$2100.00}. I never had this account and this account was not opened with my permission. Please remove as soon as possible. 
Also the only names that should be reflecting on my personal information on all three credit reports is XXXX XXXX XXXX. The only address that I should be affiliated with is XXXX XXXX XXXX XXXX XXXX. The only telephone number that I should be attached to on my credit profiles is XXXX only and the only Employers that should be listed is XXXX XXXX. Please update with all credit reporting agencies. 
Thank You with kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: PA

Complaint narrative:
I been recently pulling my credit to make sure it's in good standing to purchase a home. So, I've come across some errors. I initially called the 3 agencies to have these accounts removed which wasn't much especially since I really don't have many things in my name. 
items weren't removed in which I filed another dispute. Once it was supposed to been verified, I was then told to file an FTC report which I did. Still not removed. Also, on the credit report it shows the accounts were sold which I'm told that's illegal. when I reached out to the creditors i got no response, yet when the credit agency reaches out the accounts get verified. But I know verified doesn't mean validated, and why can't I get anything that's verified by me? The accounts have no payment history listed, and if the account was wrote off why is money still trying to be collected, furthermore even if the account was XXXX mines I was never reached out to, so I never even knew this was put in my name. One account shows it was paid for a few months but when I ask for proof of the card use, bank account, address etc. or the original contract I supposedly signed but I can't get any of this info. Validation letter for the creditor has also been sent. And all mail was certified which I was told there was a 30-day time frame to respond. I have all the violation that have been broken against me listed which have been pointed out by a professional but I'm trying to handle this in the most simple way. 

XXXX XXXX XX/XX/XXXX {$480.00} owed but limit was {$300.00} XXXX  XXXX XXXX XX/XX/XXXX {$450.00} owed but limit was {$300.00} XXXX XXXX XXXX XX/XX/XXXX {$450.00} owed but limit was {$300.00}

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 2022-10-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
was naver late i hade no balance when i returend my car, theycame up after returning the car that i need to pay additional {$2800.00}, it was paid on XXXX out of my account, i gave in this comlaint already and thay took it off, and now they report it again on my credit,

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I am concerned about how Credit Karma does their reporting with credit information/score. I want yo know how Credit Karma got these scores that they are reporting on my credit report vs the XXXX XXXX credit reporting from all XXXX XXXX XXXX. Also, I have tried to dispute to some information on Credit Karma, but I am not able too, due to error message states that I can not dispute over the XXXX so therefore, I will need to call each Credit Bureau Companies to dispute information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase sent me a letter dated XX/XX/19 saying they're closing all of my accounts, without giving me a reason, after absolutely no wrong doing on my part. 

They're telling me I need to close the checking and savings as well as the credit cards but somehow the brokerage accounts are ok? I need an answer as to why they're creating this storm for me. There is nothing at all fraudulent about my life I've been a full time employee of companies my entire career.

Company response to consumer: Closed with explanation