vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We have JPMorgan Chase Business Banking. We got a XXXX XXXX for {$4500.00} out of our account and we are not even Enrolled into XXXX, so we could not have authorized the transaction. We have disputed with with the bank and they have denied our repeated requests that this is fraud. We need your help, we have never even used XXXX for any transactions ever. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Comenity Capital Bank is showing that I'm more than 30 days late on my XXXX and XX/XX/2022 payments. This is showing up on my credit report. It has caused my credit score to spiral as a result. Because of this my other credit cards have reduced my available credit by thousands. This is keeping me from purchasing a reliable vehicle. I have bank statements showing that I made payments on time in both XXXX and XXXX of XXXX. I have filed multiple disputes with all 3 credit agencies and Comenity Capital Bank still refuses to correct this error on my credit report. I've tried speaking to them in person as well and just get the runaround. I need this fixed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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 — Problem with personal statement of dispute
Company: Self Financial Inc.
State: AL

Complaint narrative:
XXXX on XX/XX/2023 verified a credit report as accurate then changed as not specified whenever I reported self lender sunrise bank as not accurate because they put I owed them XXXX $ out in my name and it has now damaged my credit by XXXX points. I hadnt had the account for not longer than 3 months and they tried to say I had an account with them for enough to miss XXXX $ worth of missed XXXX $ monthly payments. Every time I tried to request investigation measures XXXX took the website would block me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MedPlan Credit, LLC
State: IL

Complaint narrative:
I sent extra payments in an effort to pay the loan off early. The payments were not consistently processed in a timely fashion. The interest/principal allocation does not appear to be consistent with the loan agreement. I have asked for my account to be reviewed to ensure proper allocation of ALL of my payments. On or around XX/XX/2023, my credit card was no longer being charged the monthly payment. I have been receiving paper payment requests via USPS even though the loan agreement REQUIRED automatic payments. I even received at least one telephone call attempting to collect on the debt. Dates for phone calls include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The call attempting to collect on the debt was on XX/XX/XXXX XXXX XXXX When I asked for the account review, there was a third party contractor working for Medplan Credit I was speaking with. I was told that my concerns would be forwarded to senior management and I could expect a call. I received no such call. There was even one month when the payment was refunded to my credit card for some unknown reason.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX Auto XX/XX/XXXX XXXX Auto XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally financial XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
A couple of time when it was time for me to pay my I let them know because of XXXX I was out of work or working less hours and didn't have the money for monthly payments also the interest rate went up.no XXXX tried to contact me to help or go down on my payments now my payments are going to a collection. Where I was given a price to pay witch is XXXX dollars on the XXXX of every month right now I'm not working due to I don't work in the summer. I work for XXXX public schools food and 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 explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
I was charged fees that are unexplained on my account. All it says is " Uncollected fees '' for {$2300.00} I have absolutely no explanation of these fees and the representative from the company could not explain them, just said they were owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
On XX/XX/XXXX I first noticed my bank account to negative for a charge of XXXX at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I immediately filed a dispute for unauthorized transaction and requested a new debit card. 

I received the debit card in mail on XX/XX/XXXX and activated it, On XX/XX/XXXX at XXXX I contacted a representative at Current inquiring about the provisional credit due to Regulation XXXX and the dispute not being resolved and it was the XXXX business day. 

To my avail, the customer service agent notified me that I would receive a credit by end of day and that the resolution was not finished. And then spoke to another representative to notify me that it would not be issued until Monday despite Friday being the XXXX business day. I asked to escalate this issue. 

Upon calling at XXXX - XXXX had nothing still. No provisional credit or a decision. 

Once on the phone- I was told that the dispute was closed and lost. 
I had not received XXXX email or communication and it was not resolved prior to communication. 

I asked to know when, why, and to appeal to which I was told, the dispute team would reach out. 

They never did. 

XXXX business days and no notification or response is a violation. 

XXXX addition, this was in fact an unauthorized transaction that occurred resulting in my amount being drained to negatives as well as having to review my entire account and request a new card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: CA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX  Account Number : XXXX Please remove it from 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 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello, submitting a new complaint due to a response received from JP Morgan Chase Bank with someone elses information uploaded to this account as a response towards a wrongful inquiry made on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: MI

Complaint narrative:
I was sent what looks like a VISA Debit Card from Cash App, which I did not apply for. I have never used Cash App. The included card is potentially very convincing, with my name, an account number, CVV, and expiration date. The insert the card was attached to contains no information that would always be included with a new account, such as interest rates, terms of service, etc. The return address on the envelope is a XXXX XXXX XXXX XXXX XXXX, which is not the address listed on Cash App 's website. A check with the credit bureau shows now such account opened in my name. My name is also spelled slightly wrong on the card. I suspect a phishing scam would begin if I scanned the included QR code or called XXXX, the phone number printed on the card. 

To be clear, I don't believe Cash App is itself involved if this is a scam. If it turns out they are behind this, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
I Have Medicare in that paid for any bill that was owed. They need to remove these medical bills from my credit report As Soon As Possible.

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 2023-07-21 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: GA

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2023-07-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2023-07-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have already resolved the issue with the company I rented from. They also accused me of being XXXX XXXX and that I lived XXXX XXXX XXXX I am not this person nor have I ever lived at that apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Re a fraudulent Personal Line Loan Account XXXX with Golden1 Credit Union : A Golden1 Loan Statement was received XX/XX/2023 for a Personal Line Loan of {$20000.00} with {$7000.00} advance against the line on XX/XX/2023. .A letter dated XX/XX/2023 was received on XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Golden1 advising I would shortly receive a Debit/ATM card for new associated account XXXX XXXX XX/XX/2023 my husband XXXX XXXX called the company and spoke to XXXX, XXXX ID XXXX to advise of this account having nothing to do with me, having never had any relationship or accounts with Golden1 Credit Union. On XX/XX/2023 I wrote to Golden1, attention XXXX XXXX advising that I had no knowledge of what this, it is a case of mistaken identity and please review documentation and correct company records. On XX/XX/2023 another statement of Loan was received from Golden1 Credit Union, showing most of the credit line being drawn, leaving a balance owing of {$19000.00} after advances. On XX/XX/2023, my husband wrote to XXXX XXXX, Chief Lending Office, copy to XXXX XXXX, XXXX & XXXX of Golden1 reiterating that Ido not now or ever have had have any account of any kind with Golden1 Credit Union, nor any need for a Debit/ATM card. 

We notified the Police of this as a case of Identity Theft and, at their recommendation, also file a report with the FBI at fbi.gov. Notice was given to our Credit card company, and to the Credit Reporting Agencies. As well, XXXX was contacted and case no. XXXX established with the company, with Restoration Specialist XXXX XXXX. She and I had a joint phone conversation with a rep at Golden1 Credit Union, which was cut short after being put on hold for several minutes. A security freeze has been placed on my credit, as recommended by 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 explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX I was provided a contact for a loan at 7.125 % with no points pay down, a loan origination fee of ~ {$1500.00} and a rate lock fee ~ {$500.00} which included the appraisal fee. XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX, NMLS ID # XXXX provided me this contract and I signed it on XX/XX/XXXX. Offically entering into an agreement with Freedom Mortgage. 

I used this information to make decisions to sell my home, to buy another home and to pick closing dates. Also, based on the agreed upon rates and fees I made decisions not to shop this loan as it was a great deal. 

On XX/XX/XXXX, 6 days before we are supposed to close we received a closing disclosure that had a rate buy down fee of {$5400.00}, and an appraisal fee of {$250.00}. These fees were not in the original agreement. We believe this was done intentionally to force us into an unfair position essentially forcing us to choose to either agree to the extra loan cost or risk being sued by the sellers of the new home for breach of contract. Also, by not agreeing to these new extra costs we are being forced to find temporary housing while we seek a loan with lower costs. 

For resolution : We would like to continue to do business with a freedom mortgage at the original agreed upon rates and fee schedule which included no rate buy down fees and no appraisal fees. We also request Freedom Mortgage to pay any cost associated with temporary housing as a result of us needing to now shop this loan resulting in an extended closing date. We also request freedom to pay attorney fees and cost associated with lawsuits from 3rd parties that XXXX result in our inability to close on the home that we were going to purchase at XXXX 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 explanation