vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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: IL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process so stop sending me letters saying that this is not me this is me. I sent letters to the Credit Bureaus XXXX XXXX to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE This FOLLOWING account COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX this collection isnt mines yall should be ashmed of yall self from destroying the character of my name now my life is ruined and XXXX depressed I would like to complain about the misleading information in my credit report and I was totally surprised when I saw XXXX XXXX XXXX that has a balance of { XXXX } opened on XX/XX/2021 that is reported on my credit file. I don't have an idea why I got this account on my credit file since I'm not the one who open this account and this is not belong to me. NOT XXXX! I already filed a dispute to each credit bureaus and filed an FTC affidavit please see attached.remove this now i demand u remove it now because yall need to stop playing with my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
RESURGENT RECEIVABLES LLC how was this verified i didn't give them written consent. 
18 USC 8 tells us ALL obligations are for the UNITED STATES, not the natural person. 28 usc 3002 ( 15 ) tells us the UNITED STATES is a federal corporation under the Judiciary Laws.

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

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process so stop sending me letters saying that this is not me this is me. I sent letters to the Credit Bureaus 89 times to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE This FOLLOWING account COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  this collection isnt mines yall should be ashmed of yall self from destroying the character of my name now my life is ruined and im XXXX  I would like to complain about the misleading information in my credit report and I was totally surprised when I saw XXXX XXXX XXXX that has a balance of XXXX XXXX XXXX opened on XX/XX/XXXX  that is reported on my credit file. I don't have an idea why I got this account on my credit file since I'm not the one who open this account and this is not belong to me. NOT MINE! I already filed a dispute to each credit bureaus and filed an FTC affidavit please see attached.

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

Complaint narrative:
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 a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
This is charged off account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX CFPB The Office of the Comptroller of the Currency has directed me to send this complaint to the CFPB. 
The original complaint was sent to the OCC around XX/XX/XXXX by the Delaware Office of the State Banking Commission. 

The complaints are regarding the JPMorgan Chase credit card service division CCSD ), whereby, numerous letters were to me commencing around XXXX of XXXX, initially 13 and a total of approximately 50 ( one such example is attached ) In those letters, they state, They are unable to fulfill the request, o without providing any detail as to the issue involved AND They closed the undisclosed issue. 

Any inquiry made to Chase iswas sent by way of their online messaging system ( XXXX ) so it would appear that there is a lack of communication between both units In addition, when, or if, Chase replies and it should be noted that numerous letters are sent to their executive offices, no one appears focused properly on an issue, and replies, if any, by making, erroneous statements commingling unrelated matters Improper references and/or dates thereby confusing everything with everyone, and probably themselves I also need to point out that within the last week or so, Chase has resumed sending those types of letters ( 3 to Date ) on inquireies again involving theri online messaging system ( XXXX, with the same comments. 

I have asked the OCC to send all their documentation in their possession to the CFPB.

Please review this and provide a control # I await a response.

Thank you Cc : OCC Additional documentation is available, it is voluminous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I called your department after I purchased a credit report with XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: PR

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX paying a car is in my dads name but my father pass away in XXXX XXXX I notify TD Finance that my pass away that i need information is this account have a insurance policy and was i the next step. I keep writing to them that i dont have any information of this account, i been paying and i dont have any proof of my payments, balance, and I still waiting is this account have any insurance policy and the next step. In XXXX XXXX they ask me for the death certificate and the beneficiaries declaration and nothing more. I been paying without any proof of payments or account information and I been asking for a moving certification because i have to move to XXXX XXXX and nothing happen. I need help asap because I just decided not to pay anymore. Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: GA

Complaint narrative:
I sent a certified letter notifying XXXX XXXX ( XXXX location ) of my intent to cancel my membership on XXXX. It was signed as received on XXXX. I did have one month balance owed at the time, which was paid online immediately. 
Since that time, they have not cancelled my membership, and continue to email me and call using an auto dial system every day. They continue to add charges they want money for. 
I have spoken with ABC solutions ( their management company ) on two occasions, the latest on XXXX, and they say they don't have the ability to cancel the membership but that they'll contact the club owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Currently, Experian is not reporting my mortgage information that I have with XXXX XXXX XXXX. I have called multiple times both companies to attempt to get this situation resolved. However, to date ( XX/XX/2023 ) the information has not been corrected and/or reported! In my opinion, this is fair credit discrimination! I was denied credit by banking institutions just recently. Also, I would like to have the two hard inquiries on my credit report removed immediately! 

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 2023-06-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: AZ

Complaint narrative:
I bought a house in XX/XX/XXXX and I did an XX/XX/XXXX loan. I stopped paying XXXX XXXX XXXX in XXXX. In XXXX I signed a loan modification to modify my mortgages with XXXX XXXX XXXX. At least that is what I was told by XXXX XXXX XXXX, that both mortgages were rolled into one. The law firm that facilitated this modification was XXXX XXXX, XXXX. XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX Texas XXXX p # XXXX, XXXX -- XXXX. 

Move to XXXX. I received a settlement check from XXXX from the Fund 1 Independent Foreclosure Review Payment QSF. I figure it was because of their deficient practices. Looking back now and with I'm dealing with today, I see why. I just didn't think I was a victim as well. 

Now in XXXX. I received a settlement check from Real Time Resloutions. At that time, I did not know why. Until XXXX, I had never heard of RTR. 

Move forward to XXXX. I tried to refinance my home, and I was told by the title company that there was another deed/lien on my property. Again, after the modification in XXXX, there should have only been one. The title company could not find who owned the " second ''. Since XXXX I have been paying my modified mortgage payment, currently to XXXX XXXX. XXXX XXXX assured me that they only had one loan and deed on my property. 

In XX/XX/XXXX, I reached out to Real Time Resolutions and talked to XXXX XXXX at XXXXXXXX I explained to them that this loan was modified in XXXX and that their debt was not valid. She replied that it was but had no documentation to support the validity besides the old deed recorded in XXXX. 

It is now going on 16 years since I have paid on the deed in question and 13 years paying on my modified loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX documents attached as proof of CFPB enforcement action against Wells Fargo persons foreclosed upon and harmed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not give XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX  permission which is another violation. 

TILA XXXX XXXX XXXX protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX 

XXXX XXXX states that any debt collector is not to state that such consumer owes any debt, I have a letter from XXXX XXXX stating that owe a debt to them. 

My complaint is also with three bureaus TransUnion, XXXX and XXXX who are allowing XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681. 

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give TransUnion, XXXX, or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: TX

Complaint narrative:
I did not give XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681. 

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX 

XXXX XXXX states that any debt collector is not to state that such consumer owes any debt, I have a letter from XXXX XXXX stating that owe a debt to them. 

My complaint is also with three bureaus XXXX, Experian and XXXX who are allowing XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681. 

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX, Experian, or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: Credit Quick
State: NC

Complaint narrative:
I owe students loans for a school that closed down. And I wasnt able to complete my degree in XXXX. This has affected my credit for years and my check was garnished.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
We lost our house and all of our property in the XXXX XXXX on XX/XX/2021. Our mortgage servicer RocketMortgage is unfairly witholding insurance proceeds that we need in order to rebuild our house. 

Specifically RocketMortgage has not 1. Sent a release statement to the insurance company XXXX XXXX despite the fact that RocketMortgage is holding more than enough money to cover our loan. 
2. Disbursed insurance proceeds to us for rebuilding costs that we have incurred and that we have requested in writing along with proof of invoices.

3. disbursed insurance proceeds that exceed the amount of our loan to us in a timely manner nor offered an option to electronically transfer funds.

4. provided any periodic reports on the account which holds the insurance proceeds along with its interest bearing rate.

5. provided any means for us to independently verify information using the RocketMortgage website through our login about the account holding our insurance proceeds such as but not limited to the balance, transactions, and interest rates. The only means we have of getting this information is by either calling or emailing a single assigned representative of RocketMortgage. 

I am willing and able to provide more specifics about the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
To. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing this email to you regarding an investigation and dispute that was closed by Citi XXXX XXXX on XX/XX/XXXX I recently became aware of fraudulent charges that were being placed on my Citi Credit Card. I called the number on the back of the card and reported it. 

My card in question, was cancelled and Citi issued me a new card while the Citi investigation took place. 

On XX/XX/XXXX I received a reply from Citi XXXX XXXX that stated that the investigation was completed and the dispute closed. It also states that I had given my account information for a series of purchases from the merchant and that Citi didnt consider this fraudulent activity. 

I had clearly explained the fraud to XXXX XXXX, I also offered supporting documentation showing the fraud. On XX/XX/XXXX, I responded to an email that said I had won a smart watch, one comparable with an XXXX XXXX. All I had to do was pay shipping. 

The website it took me to to collect my free watch was XXXX, At this website I was introduced to all the wonderful features of this XXXX XXXX XXXX. Being that I was recovering from a XXXX XXXX I had while also having XXXX, I figured that I could use the many medical tools it claimed to provide. I decided to pay the shipping and accept the free watch. 

This took me to a check out page. XXXX. On this page you input you credit card data and shipping address. No where on this part of the screen does it state or make you aware that you are going to be billed again. ( Please type them in to your browser or I can send you screenshots ) Apparently, this company uses this rip off product to enroll people into some sort of service that does not exist. ( See trustpilot reports ) Its called XXXX XXXX XXXX XXXX. This rip off company sends you a defective, cheap product, does not advise you that they will be billing your credit card for eternity and at will. And to top it all off, you never receive anything or any coupons or service of any kind. 

This my friends is fraud. You must clearly show that you intend to rebill, this fraudulent outfit billed my Credit Card at will for over a year. I did not agree to any such billing and worse is to receive a letter from Citi telling me its not fraud! 

I have some serious misgivings over the so called Security offered by Citi and the treatment I received. To continue to allow what Citi calls a merchant to operate in this fashion is protecting criminal behavior. 

Citi let me down, to the tune of {$810.00}. I am asking for reimbursement, and I am also asking that this fraudulent merchant is shut down from their rampant crime spree. 

Respectfully,

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