vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Why are you indicating that XXXX XXXX XXXX XXXX # XXXX was 120 days late in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. How is this even possible? I couldnt possibly be 120 days late 2 months in a row. In addition, How are you sure the highest balance is accurate? Both XXXX XXXX Transunion are displaying {$0.00} highest balances. I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.

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 2023-02-07 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: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Being overcharged

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 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I had XXXX service for several years and already outside the contract window. After numerous issues with their service I decided to cancel. XXXX continued to send me bills which were invalid. They need to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX funding has no right reporting this account to my credit file. XXXX XXXX Bank is aware this is a fraudulent account and has deemed this account a fraudulent account. XXXX XXXX Bank sent me notice already stating this account was a fraudulent account and its documented on the account. At this point XXXX funding and all three credit bureaus will be sued for allowing XXXX funding to report this account. I want each credit bureau to reach out to the original creditor credit XXXX bank for verification. I already spoke with an attorney and I have a the right to sue for punitive damages. emotional stress and harassment due to this account being reported. Each credit bureau has 30 days to verify this account with the original creditor. I am going to request the XXXX XXXX XXXX investigate XXXX XXXX. I am fed up at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: GA

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$19000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX, XXXX : {$0.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My mortgage was bought by mr cooper  XXXX XX/XX/XXXX- I paid my last payment to XXXX XX/XX/XXXX and next payment with Mr cooper as advised XX/XX/XXXX. Every payment went ok for XXXX XXXX then in XX/XX/XXXX began to get rejected. XX/XX/XXXX rejected- I tried to make that payment again XXXX XXXX it was reversed. 
XX/XX/XXXX I made two payments and they were both reversed. 
Upon messaging the company I was told my bank account must have been entered wrong ( odd because it had been fine prior? ) however I re entered the info same as it existed on the page! And re submitted. They have already hit my credit multiple times and assessed XXXX fees. 

The only answers I have got were via a XXXX  on their XXXX account and she stated I owe the payment that the last mortgage company didnt forward for me but I have proof of draft from bank that it was paid in XXXX. 

I have also got MANY letters saying my payments are needed, my va loan is at risk and they can not reach me. My information has never changed- I only have one phone number and have never got a phone call until a message I received Friday XX/XX/XXXX from thomasette (? ) and i attempted to call her back 3 Times over a hour and a half and left one message also. 

Ive found that multiple persons are also having issues with this company? Im unsure if they are intent on pushing homeowners into foreclosure or what but its very scary. I never applied for any XXXX assistance or been late on my payments- their refusal and reversals of payments have caused the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: NH

Complaint narrative:
Please refer to detail of previous complaint that was referred to the FTC XXXX. This is a XXXX XXXX  hospital stay that is being handled through a XXXX XXXXr and no covid related XXXX, as stated at intake and all funds disbursed by the XXXX for the XXXX XXXX since have not been applied. The stay was at the 'beginning ' of the covid pandemic, testing and protocols we're not as they were today, I was sXXXX  from other XXXX XXXX, issued XXXX of the first nose tests... etc... the funding for COVID was very fluid with the XXXX  at the time and I believe this bill went internally through the billing process and was either XXXX XXXX  was not applied as a result, or an internal billing issue never flagged it for follow up. There is an additional account for a smaller balance with the same debt collector, date of service in XXXX of the same year, however I do not recall which was the overnight stay, I am assuming it was on the XXXX date of service due to the amount of the bill. 

Given the extreme amount of the bill, the lack or detailed explanation ( i.e. the overcomplicating of the bookkeeping and fbilling process with the XXXX ) My request for a detailed billing, that showed the applicable covid payments received by the hospital from the government reflected against the account, has not to date been received. This is not a valid debt and any attempt to place into my XXXX XXXX  or with a court action or attorney is the result of possible mis application of the federal monies to the hospital, and possibly warrant a lager invesitigaion as /i 'm sure there are others experiencing the same random collection letters from date of service during that time frame. 


The debt collector, XXXX ; XXXX XXXX XXXX ; XXXX, OH XXXX ; Account XXXX ; XXXX XXXX ; XXXX XXXX Account # XXXX ; XXXX this bit XX/XX/2020 ; ( there is a second bill XXXX XXXX ) Since XXXX XXXX is involved, and reflection in my account has not been shown with the application of those moines towards my XXXX XXXX care, I would assume this would be a priority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in 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 non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Bank froze my account with no warning, no explanation and constantly hanging up the phone on me.

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 2023-02-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2023-02-07 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: GA

Complaint narrative:
On XXXX XXXX, XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$47.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3800.00} BETTERCASH ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX  XXXX XXXX ), Its been over XXXX  days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Why are you indicating that XXXX XXXX XXXX # XXXX is late both in XX/XX/2022 & XX/XX/2022. How is this even possible? Why did you leave the highest balance field blank? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE. In addition you have failed to respond to my previous disputes sent on XXXX, XXXX, and XXXX within the 30 day period required by law. I have never received any mail from you concerning these disputes.

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 2023-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I've been getting several phone calls from a company called Credence in which keeps calling me several times a day and harassing me. Not only do they call my personal phone but they also call my business phone number in which I've never given them nor did I give them my personal number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase was offering a deal where if I opened a credit card I would receive XXXX XXXX points after reaching a spending threshold. 

I reached that threshold months ago. When I call chase they acknowledge that I have XXXX avios points I am owed. On four separate occasions over the last few months, I have called both chase and XXXX XXXX to try and solve the problem. Chase has consistently told me that the problem is fixed and I will receive my points within XXXX, XXXX or XXXX business days ( they tell me something different each time ), they refuse to provide any written evidence saying that theyre fixing the problem, insisting they can only tell me by phone that its getting fixed. Each time, I wait for two weeks, then call again. Each time they claim essentially no knowledge of the issue/any attempt to fix it. I have escalated this as far as I can with chase. I believe they are purposefully withholding what amounts to thousands of dollars in points from me. I have been unable to use the points to buy flights I want to book for the summer and now, because of the delay, I can no longer get flights for my dates using XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 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: Source Receivables Management LLC
State: NC

Complaint narrative:
Source Receivables management has been reporting an account that does not belong to me. I have asked several times for valid documentation that this account belongs to me. I have only had phone service through my business with XXXX XXXX XXXX  and now currently XXXX. This account was not opened by me and does not belong to me. The documentation the debt collector is using to collect on the debt is only a statement and an equipment agreement with my name or someone with a similar name typed onto it. There is no hard copy ID, copy of social or even a signature that shows this account was legally opened by the person to whom identity was used. I have filed a fraud report on this information attached. FTC report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Why are you indicating that XXXX # XXXX is negative in XX/XX/XXXX if the account was settled in XXXX of XXXX. How is this even possible? Why did you leave the highest balance field blank? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE. In addition you have failed to respond to my previous disputes sent on XXXX, XXXX, and XXXX within the 30 day period required by law. I have never received any mail from you concerning these disputes.

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 2023-02-07 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: World Omni Financial Corp.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 
I HAVE NOT GIVING XXXX MY WRITING PERMISSION TO REPORT ANYTHING TO ANY THIRD PERSON, PARTY.I GAVE A OPPORTUNITY TO CEASE AND DESIST FROM SHARING MY PRIVATE INFORMATION & XXXX IS REPORTING TRANSACTION THAT THEY SHOULD NOT BE, TAKE NOTICE OF 15USC 1681-A titles definition and rules of construction. paragraph XXXX of this section, subsection ( A ) and ( I ) states that a transactions are not included in the consumer report.XXXX action is injuring me and is affecting my ability to purchase with credit and it's disrupting my credit score and it's a violation to the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
Hacked account XXXX and direct deposapplication. App. applicatin.

Company response to consumer: Closed with explanation