vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: KY

Complaint narrative:
I was randomly called about an alleged debt they claimed I have. I didnt know anything about it and asked for time to have this audited and have some information sent to me. I went through the audit process with the hospital and when I was finished I attempted to log back onto my acocunt with XXXX   so that I could address the alleged debt. At that time I could no longer access my account. It says my account could not be found. I have sent about 15 emails to the company XXXX  ( A XXXX XXXX COMPANY ) telling them this and they will not give me any answers. I was sent a reply back once saying that my account is in the legal department and I need to call a specific number but I dont have a working phone right now and can only communicate via email which I have told them over and over again but they refuse to communicate with me and give me any answers regarding this alleged debt so that I can take the appropriate actions on it. ( Also I already made a payment on this account so that I could avoid escalating it but now that they have locked me out of my account I have no way to even know if that went through, whats remaining, or how it affected my account status. If I could get into my account I could make arrangements but they are locking me out of everything and refusing to communicate with me all the while the clock is ticking and I could have my wages garnished and irreversible damage done to my credit if I dont make a payment arrangement. How am I supposed to make a payment arrangement when they havent even sent me anything that explains what this alleged debt is from and why they feel i am responsible for it? How am i supposed to make any kind of arrangement at all when they wont communicate with me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX XXXX  misapplied my payment as a principal only payment and now says Im behind in payment for XX/XX/2023 payment. 
Beginning XX/XX/XXXX they sold my loan to Chase Bank. Now when Ive tried to resolve this Im told to deal with Chase bank. Ive tried to speak to someone but chase is automated and just keeps referring me to automated responses. 
Im very concerned about my credit being damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX, am submitting this cfpb Complaint concerning the gross. Reporing of inaccurate account information, From the three major credit agencies XXXX, Trans Union , LLC and XXXX XXXX XXXX. Under the FCRA, its states information reported must be 100 % accurate. This is not the case with almost 100 % of consumers credit files are filled with inaccurate information, In reveiw of my consumer files you can see the errors, that shows the inaccuracy. Across, the three credit reports from the three credit agencies. Under the FCRA, 15 usc 1681 my federal rights have been violated. Over and over again in disputing process, of the inaccuarate informatio being reported. 

Under 15 USC 1681, my rights have been violated by XXXX XXXX Acct # XXXX. Under these federal statues XXXX has violated my rights under secttion : 15 USC 1681i- Procedure in case of disputed accuracy ( a ) Reinvestigation of disputed information.

15 USC 1681i- Procedure in case of disputed Accuracy.

15 USC 1681b- Permisssible purposes of consumer reports 15 USC 1681- Cogressional findings and statement of purpose 15 USC 6802- Obligations with respect to disclosures of personal information 15 USC 1681 ( e ) -Compliance Procedures Under listed above statues under the FCRA, my rights have been violated. In the procss of disputing a request for reivestigation. I did not get any investigation resutts, back from my request. I was never got a notification at all within the 30 days mandated period. 

Thus, causing another federal staue violation 15 USC 1681n and -Civil Liability for noncompliance 15 USC 1681o- Civil Liability for negiligence noncompliance. Under these statues I am submitting this complaint for the willful noncompliance to any of these statues violations. 

In the filing of this complaint, it is my intent to take civil actionsas a result. Of the actions of XXXX XXXX,, for the violations listed, and noncompliance in being compliant. Also Civi actions against the credit bureaus for no doing their do diligence in asssuring that the reinvestigation was conducted.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
The " debt collection company '' in question is FCR Services. They emailed and robocalled me the morning of XX/XX/23 claiming I owe {$160.00} to a childrens trampoline activity center called XXXX. The phone number they called from is XXXX. I have indeed visited the center with my child 1 or 2 times, but its not a place you can accrue debt. You pay, your child plays, the end. Perhaps FCR Services hacked XXXX to gain contact information or purchased information from a hacker. But XXXX has never contacted me about a debt, because the debt does not exist. Stop allowing criminals to operate as businesses. This is domestic terrorism.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America allowed a fraudulent company to open an account with fake credentials. An employee was either in on it or incredibly negligent. The police office said the credentials were clearly fake. This account was used with a fraudulent website. I was trying to purchase construction equipment from a dealer. Bank of America employee told me that the account was a fellow Bank of America customer and that I could deposit money with a deposit at counter and save the fees. Unfortunately, after I did that they informed me the money could not be stopped and the payment could not be canceled when it was determined to be a fake company. A local police department with none of the resources that Bank of America has immediately determined what was going on. The amount was then allowed to be slowly sent to XXXX using XXXX. Bank of America has no interest in fixing this because they profit from it. When I tried to connect with Bank of America they slow play everything. They have a fake CEO email address circulating on blogs that get forwarded to zoomers who then just give you the run around. They provide the platform and the means for criminal cartels to steal the money in California, and then send it to XXXX, and claim to have no liability in facilitating that.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reached out to Experian multiple times regarding this public record. 
Each time they say that information is correct and verified. 

When I complained recently to CFPB about XXXX XXXX double-reporting a settled account, XXXX XXXX replied to the complaint ( CFPB Complaint # XXXX and XXXX ) that they had ask for Experian to delete this record on XX/XX/2023. 

Experian has not deleted the Public Record as they were asked to do 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 2023-07-10 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo ran my full credit report on XXXX without my consent, or permission. I have not applied or am not applying for any additional credit cards or items this company offers. I had no knowledge of this report being run.

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 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Bank has frozen and restricted my checking account with an outstanding balance, informing me the account is set to close and I will be receiving a check in the mail. They have not closed my account officially or sent the check. US Bank needs to either make my funds available to spend/transfer online or proceed with the account closure and disperse my funds in a check immediately.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: AZ

Complaint narrative:
Self.Inc credit card took out a second line of credit without telling or notifying me. Then they had a 90 days with no payments so I didn't know anything about the hidden line of credit. I had no idea what so ever that I owed them anything or that it took out a second loan when I had money in my account. I never signed anything which makes it illegal and I want the late payments removed because I had perfect payment history until they did that in XX/XX/2022. I need my credit fixed because it isn't accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need my credit in order to be able to afford a roof over my head and if possible could you please resolve these issues for Me, Thank You. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! of the consumer to whom it relates. I NEVER gave any consumer reporting agency These accounts should not be furnished on my consumer report as they are in VIO Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report uno : following circumstances and no other : 12 in accordance with the WRITTEN INSTRUCTi WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal proterted consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian refuses to remove that I owe the Dept of Education. XXXX took over loan in XX/XX/2022. I spoke with dept of Ed and confirmed I have a zero balance. I have called and filed 2 disputes. Their mistake has destroyed my credit. I have been trying to qualify for mortgage for six weeks and this is still going on.

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 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company:  Lippman Recupero, LLC
State: CA

Complaint narrative:
My family sent my drivers license through US POSTAL SERVICE and my drivers license was never received. I after not receiving my drivers license I am now receiving a debt collection letter from a debt collection agency. I contacted the debt collection agency Lippman Recupero and they stated that I had booked a hotel room in XXXX XXXX and did not pay for the hotel room and as a result the debt was sent from the hotel to the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
NOTE Ability Recovery Services XXXX XXXX XXXX XXXX, PA XXXX sent demand letter dated XX/XX/XXXX : for XXXX debts marked " pending no fault '' XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX BOTH ARE BEYOND statute of limitations in NEW YORK of 3 years. The company has several outstanding complaints for this practice. I want and seek the harassment stopped and their records updated and a formal apology signed and dated. NO FAULT is claim against the insurer XXXX XXXX INSURANCE ... NOT the insured. Please investigate 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 2023-07-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My daughter received a call from a company that stated that my property was in foreclosure. She thought it was a scam so she called PHH on my behalf to discern if this was the case. It was confirmed by representative XXXX, employee ID # XXXX, that the property was on foreclosure. My daughter informed me and I requested to know what occured. Although all taxes were up to date on the property, according to the representative, the company paid the the XXXX XXXX XXXX {$3000.00} on behalf of the property in XX/XX/XXXX. I was not informed of this even though they said that there was correspondence to me, I never received anything. My daughter called back to find out if the amount could be paid by virtual check only to hear from another representative, XXXX ID # XXXX, that the amount had changed to XXXX. The original amount was confirmed with the previous representative more than once and also with this representative. The cost to remove the home from foreclosure increased in less than an hour. This is not the first time that I depleted my funds just to remove my home from foreclosure for miscellaneous charges by this company that I was not informed of. I am on a fixed income and do not want to lose my home due to shady practices. Although I have sent through a check via mail to resolve this matter my money is now next to nothing and I am suffering. I was supposed to be refunded money from this company for charges that were duplicated but I have yet to receive any of my money back although I have been charged randomly throughout the years of this contract. I feel like this company is trying to scam me out of my home. They have already paid a large sum in restitution for illegitimate business practices in XXXX and now I feel like they are still attempting to siphon money from unknowing borrowers but on a quieter scale. I would like my mortgage agreement and payments to be reviewed to ensure that the costs that are consistently brought upon me are valid. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: NJ

Complaint narrative:
I made a purchase at XXXXXXXX XXXX XXXXXXXX XXXX, the purchase was for over {$700.00}, I returned the merchandise and was told I was responsible for delivery and tax, I paid that amount and XXXX  never reported it to the company who I was paying/making payments to for the original purchase, I disputed it with both companies and it was fixed and they realized it was an error and I had already paid off the delivery and tax so, therefore, my account was paid in full and I did not owe any money. On XXXX XXXX XXXX, the account is listed as paid in full and closed but they continue to report to the credit Bureaus as charged off, missing payments, and a balance of over {$700.00} which is incorrect. I spoke to a woman named XXXX XXXX through email and over the phone and she assured me it would've been taken care of and the dispute was indeed handled and fixed but she has not helped or responded to fixing the way they are reporting to the credit bureaus I did not miss payments because I did not owe them anymore money, it is impossible to miss payments on something months after it was paid in full The balance is reporting incorrectly as well as the payment history, it was paid in full and paid off but they never fixed how they were reporting it even after I disputed it

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 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX of this year, someone fraudulently withdrew {$2000.00} from my Bank of America checking account with my debit card in my possession. The bank verified the debit card was in my possession by asking for the XXXX when I filed the claim over the phone. They were rude to me, and even the lady on the phone sounded skeptical. Clearly, they haven't been trained enough to understand how debit card fraud works and how it's possible for someone to clone a card, and I felt I was fighting a losing battle from the very beginning based on the biases of this employee. I filed the claim on XX/XX/XXXX and quickly received a denial of my claim, and they closed my claim leaving me to pay for {$2000.00} in fraud caused by their lack of proper debit card/ATM security. I'm currently reaching out to state officials to further my complaint as we speak.

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 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I deposited a paycheck from my employer into my Truist bank account before the 30 day relationship building period. They said theyd hold the funds for 14 days and Ill have access after it clears. Now, the funds have cleared but I still cant deposit, withdrawal, or access my account in any way. 

I deposited these funds XX/XX/2023 and they are were supposed to clear around XX/XX/XXXX. It is now XX/XX/2023 and

I still cant access my funds. They have flagged my account for fraud. Ive been directed to call the fraud departme
nt and Ive called on 3 different occasions and have been left on hold for more than an hour. No response from anyone. No one can help me at the branch either.

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 2023-07-10 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I did a dispute online with XXXX and a chat representative and I explained that the Wells Fargo account is reporting past the seven years and is impacting my score and financial means of getting credit cards and loans.Wells Fargo sent me a lien release and a title to confirm this account should not be reporting on my credit.XXXX  XXXX did a quick investigation and still let this negative account stay on my credit profile and refuse to remove it.So I need this resolved so it does not continue to impact my life severely and Wells Fargo should corporate and this was removed from my XXXX profile and now I am go through all the credit bureaus to make sure this is resolved and removed from my credit profile.Wellsfargo shouldve taken care this with the credit bureaus and they informed me that they would which is not true.

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 2023-07-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have reached out to Citi Bank on multiple occasions, most recently a notarized request, regarding their reporting of a settled account. Each time I reach out to Citi Bank referencing the account number THEY ARE REPORTING to all three credit bureaus, Citi Bank replies that this account number is invalid or incorrect. *see Citi 's attached response I am assuming this is Citi Bank 's way of getting around an actual reply... to say they don't know what I'm talking about even though I'm referencing THEIR reported account number.

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