vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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: IL

Complaint narrative:
why cant transunion and XXXX do like XXXX  and delete all aconts but 3 that are valid thats all im asking i filed ftc report and police report and gave a coppy of both to thembut they keep ignoring laws they need to follow like providibg me with proof i signed for that and proof they offered me firm credit neither of which companys did and they keep telling me they did but yet offer no proof

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 2022-08-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB + Equifax + XXXX XXXX, To Whom it May Concern : On my XX/XX/XXXX Equifax credit report it says I have late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on the below XXXX  XXXX account : - XXXX  XXXX XXXX XXXX XXXX  XXXX Enclosed with this complaint/dispute is a letter from XXXX  XXXX dated XX/XX/XXXX that clearly says they have submitted a request with all 3 CRA 's , and Equifax, to remove the delinquencies from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The letter clearly states my account was a secured card, was closed XX/XX/XXXX, with a {$0.00} balance owed. 

Therefore, there should not be showing late payments as well for XX/XX/XXXX and XX/XX/XXXX. 

Enclosed with this complaint are : - my drivers license - my address- my w2 for social security number proof - written complaint - letter from XXXX XXXX - screen shots of my Equifax report where these are showing Please have this handled, as the letter from XXXX XXXX says immediately, as this false information is damaging my credit and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
I received a letter with a warrant out for my arrest. I called them to see why the 1st lawyer hung up on me and said the warrant will stay if I dont pay them. 2nd lawyer ask a lot of questions about my kids and other things that didnt make sense I ask him what does that have to do with the letter of the warrant he told me in order to talk about the warrant I must answer all the question. Threaten to hang up the phone if I dont answer all the question and all I was calling to see why is there a warrant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Im currently a victim of Identity Fraud. 

On XX/XX/22, my Son, XXXX XXXX XXXX and I have bank accounts within the same bank, USAA, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Account # XXXX XXXX XXXX Sons Acct XXXX We received an alert XX/XX/22 with fraudulent activity within our accounts. We called USAA, with difficulty, we were told the investigation will begin and we would be notified. Sure enough, our accounts resumed with the normal balances and access. 

On the XX/XX/22, my Son receives an alert with more fraudulent activity with deposits of 5 {$1400.00} checks within his account, we proceed to call USAA with difficult and they guide XXXX through changing his password. We were locked out of our accounts from this time forward. USAA Representatives stated the MRT Team would be in contact with us within 3 business days. We have called multiple times with no answer. Did finally escalate to the CEO Office XX/XX/22, XXXX XXXX at XXXX XXXX XXXX is looking into this matter and will have people call us. No calls as we write. 

USAA identified US Treasury check numbers via mobile deposits : XXXX, XXXX, XXXX, XXXX & XXXX All labelled Altered fictitious items We received correspondence on this checks & instruction on reporting Identity Theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: NY

Complaint narrative:
On XXXX, Saturday. I received a phone notification from Chase mobile app, that there is a transaction of {$50000.00} to an unknown payee from my checking account directly. I see the transaction is payed to a company called XXXX. I XXXX  online it seems like a finance platform such as XXXX. I have never created account or done purchases on XXXX. 

I believed my account is compromised and called Chase to file a fraud dispute claim immediately. I was instructed to create a new online Chase account. Then, I noticed there is an unauthorized template for wire transfer created from Chase mobile app. The template is created for " XXXX XXXX '' who I never know. 

I also noticed on device access history, there is an unrecognized and unauthorized access from " XXXX XXXX XXXX, chase.com '' since XXXX. I remembered there is an email say my Chase account is accessed from a new device on that date. But the email is quickly deleted and gone ( by the hacker ). 

On XXXX, Monday, I walked in to a local Chase branch and created a new checking + saving account. And transfered my remaining balance to the new accounts. 

Also on Monday, I recevied a text message from Chase, asking if it was me making a {$50000.00} transaction. I replied " NO '' as prompted, the system says Chase won't allow this transaction now. 

Currently, my account is showing a balance of this {$50000.00} deducted. And the fraud, {$50000.00} transaction is shown as status " Pending '' in my old account still.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1682 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 furnishings a account without my written instructions.

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 2022-08-17 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: Colony Brands, Inc.
State: AZ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: TX

Complaint narrative:
XX/XX/22, dispute of inaccurate amounts owed, no action taken by companies accounts should show closed on All credit card / vendor accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/22, dispute of inaccurate amounts owed, no action taken by companies accounts should show closed on All credit card / vendor accounts

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 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I don't know this entity or any entity they're affiliated with please direct them to cease and desist. This is not a valid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I was talking to a man online. His name was XXXX XXXX out of AZ. He was o we seas and needed help. He offered to pay off my card if I would take a cash advance. He made the payment. It took time for it to clear. When it did I called XXXX different people at the card company telling them I felt this was a fraud payment. Telling them that I did not think it was from his account. Both times I was told that it was a secure payment and everything was fine. The second person allowed me to take the cash advance. 20 days later the payment was pulled back as a fraud payment. I have been to other government agencies turning him in. His phone and XXXX have shut him down for fraud. Because of the workers of XXXX I am now in debt this money. This card needs to be held accountable for not providing full details that the payment could be pulled back especially after I told them I felt this was a fraudulent pay off. I have a list of all dates, card numbers, where I had to send the moneyeverything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX 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/consent.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information ' Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted 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 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted 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 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc.
State: FL

Complaint narrative:
1. Received free annual credit report on XX/XX/XXXX. ( XXXX, XXXX XXXX XXXX ) 2. Saw medical debt being reported by " Remex , Inc. '' for the total sum on {$510.00}. 
3. Debt is not mine nor have I ever resided at company reported address attached to Remex , Inc reported debt. 
4. Sent Remex XXXX Inc. Certified Debt Validation letter on XX/XX/XXXX. 
5. Asked company to ( a ) provide documentation baring my signature ( b ) original documents with dates of services rendered and ( c ) ALL information they obtained to verify that this debt was indeed belonging to me. 
5. Remex , Inc responded with their company typed transcripts of supposed services received and dates. They failed to provide any of the requested information in the original debt validation letter. 
6. Sent Remex, Inc Certified Failure to validate letter on XX/XX/XXXX. 
7. In Failure to validate letter I outlined how Remex, Inc were violating several of my consumer rights according to the FDCPA & FCRA. 
8. Filing a CFPB complaint. I would like invalid debt immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I don't know this entity or any entity they're affiliated with please direct them to cease and desist. This is not a valid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
i have a couple bank of America accounts attached to my XXXX XXXX profile i would like to have removed because they are not mines. Wrong ss number as well wrong address i never lived at. I will attach my ss number with my driver license so that its proof wrong person and how could someone attach a wrong ss number account to my profile? the accounts is listed below Account : XXXX, XXXX I tried to open account with Bank Of America and was told i had already had account so i order my XXXX XXXX  and XXXX to see where the inaccurate was. Please from from all Platforms that you report to Please.

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 2022-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
I currently obtained an auto loan through Hyundai Motor Finance in XXXX of XXXX. I am trying to pay my loan off faster. When I go online to make a payment there is no principal only payment or additional principal payment option. It will only allow me to make a payment. I called the company today and was informed that I am correct. They do not offer these options. The individual who was helping me at Hyundai Motor Finance call center said I can make a payment, then wait three days, call the finance department to then apply that payment to principal only. I will have to do this every single month, as I plan on making an additional principal only payment every month. Not only is this a complete hassle for the consumer, but I deal the company is making it hard to pay off the loan in a quicker manner. This in turn costs me more money and ensures they make more money. This is bad business practice and I find it cunning and unethical. I would like to see an option on the online payment screen to offer additional principal and principal only options. Thank you, 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 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
With all the hard times going on I filed my taxes and they offered me a loan but on the XXXX XXXX card only. Of course needing money for bills that were due right away I accepted. I received debit card that was sent and activated, setup pin code, and used the card. I was told to upload documents which I informed them several times via email that my ID is expired but I do have it as well as origin SS card and birth certificate. Now I'm being told that I can't use my debit card because my phone number changed and it's in my spouse name now and not mines so I couldn't verify via app the passcode sent to me because due to not working my phone is disconnected and my car was repo'ed. All I'm trying to do is pay my rent up so me and my family can stay in our home. I've been waiting on this since XXXX and I think that it's so unfair to have to beg for access to funds that I have a card for and have used on several occasions. Please help me. Because my bank that I get my work pay direct deposited take my documents and understand that my ID is expired and my access to my debit cards have never been blocked because of something of this nature. All of this because my previous number is disconnected and I can't receive an in app code.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
We are experiencing major problems with our lender, PHH Mortgage. Our original loan was sold to them and since then everything is off-kelter. For instance, we previously negotiated a payment date at the start of the month with our original lender, however, PHH refuses to honor this agreement and insists that we pay in the middle of the month. Such being the case, they constantly insist that we are behind on our payments and absolutely refuse to adjust the payment date as we request. Secondly, they refuse to adjust the amount we need to pay in town taxes. We reached out and they absolutely refuse to either let us pay separately, or pay correctly. Lastly, and most importantly to date, they failed to pay our insurance company! We recently received word from XXXX that XXXX did not receive payment and we are uninsured as of XX/XX/XXXX, when PHH should have paid them on XX/XX/22. Our insurance and taxes are rolled into our monthly payments, so it is appalling that they wouldn't take this seriously. 

I am now trying to negotiate with XXXX, but request that you please assist with the matter because seeing the carelessness of this company I simply don't know how they're going to XXXX up next. 

Thank you for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened an account with Bank of America. I was in Pennsylvania with my card when it was declined. I called the bank and they told me someone was trying to add checks into my bank account and the appeared to be fraudulent. she then proceeded to tell me that Bank of America is deciding to close my account permanently and I will not be able to bank with them again. When I came back home from college ( XXXX where I live ) I took a trip to Bank of America in hopes of opening up another account and was denied even though I was not responsible for putting fraudulent checks in my account. This person got access to my account as well as signed my name which isnt my signature.

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 monetary relief
Consumer complaint received 2022-08-17 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: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation