vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX I got an alert from XXXX of a new account opened I immediately took action XX/XX/XXXX I called TD retail card services customer service to report an account using my ssn and name had been opened in my name fruadently they has reported it was opened and a purchase was made for over XXXX dollars a charge card I was told purchase had not shipped yet and we can get ahead of this and they were going to block the card I called again a few days later and was told by another customer service rep that the account would be deleted and was confirmed as fraud I'm still carrying a balance of debt on my credit report of an account that's not my account I spoke to another rep today XX/XX/XXXX that told me u was not suppost to bebgiven out any information until case is completed even though i was already told by a previous rep that my case was resolved and account would be deleted all information is give to the investigator that looking into case all information is not correct officer has caught company reporting to my credit with different resolutions and no confirmation for a solution!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> Chase closed/freezes my checking account after I submitted an internal transfer. During this time, an auto payment was scheduled for my XXXXXXXX XXXX XXXX XXXX. Since Chase had frozen my account, they reversed the auto payment leading to XXXX XXXX  charging me with missed payment/payment reversal/late fees/interest. I contacted Chase to reimburse me for these fees and shared I could provide evidence. After being transferred 3 times and talking to multiple people, Chase ultimately denied reimbursement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
PLEASE REMOVE FRAUDULENT UNAUTHORIZED INQUIRES EQUIFAX FRAUDULENT UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I will continue to file these complaints until this company and its affiliates stop the harassment of foreclosure on property where there has been NO payment missed. 

Lender doesn't seem to understand the rules of engagement and the law that provides and this company and its affiliates do understand because it allowed for principle to be paid and then it removed the option. 

The principle will continued to be paid. Lender can charge all the fees it wants but it can not foreclose on a home. 

Requesting CFPB do a full investigation and send these illegal practices to the appropriate agency. 

Supreme Court Ruling was provided in XXXX that this entity seems to ignore and feels it's above the law. not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I had a balance due from an apartment community that I didn't receive email or physical mail or phone call correspondence of a debt due. I received a text/phone call with attempt to collect by the collection company, but no way to verify who they were other than share with them my social security and/or date of birth. I wasn't comfortable sharing that with no way offered to verify them or the debt. 
They then submitted the credit agencies without offering to verify who they were. With the many scams by phone and online, I feel they should have made an attempt to verify themselves and the debt. The original debtor would not return phone calls and also never called me and I didn't receive email or physical mail notification of the balance due. They both appear to have had my correct mailing address, phone number and email. 
I did a search in my spam email and did find several collection email notices from the collections company, but I don't have control over their email going into spam. These companies should be required to send physical mail and a way to call with a method to verify who they are. 
After I did find a report to my credit then search further into my spam folder, found the email in spam, I verified the debt and paid the amount due promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting 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:
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. 

Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to purchase a home since XXXX. On XX/XX/XXXX I applied for a mortgage with one company and a second one on XX/XX/XXXX in order to find a good rate. Unfortunately I was unable to proceed with purchasing a home at that time. 

In XX/XX/XXXX I again tried to find a mortgage and purchase a home. I applied with two mortgage companies, and was able to secure a good deal and buy a house. 

This issue is the hard inquiries for mortgage applications in XX/XX/XXXX and XX/XX/XXXX are listed separately with Transunion and XXXX. I suspect this is due to improper coding/labeling as some of the inquires are finance and some are miscellaneous. Neither company provides information or an option to correct this. The hard inquiries are valid, but the labeling is not. I believe I should have 2 sets, not the 5 they are reporting for XX/XX/XXXX and XX/XX/XXXX. I tried calling them as well but the automated answering service also did not provide more information.

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 2024-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: MA

Complaint narrative:
Ive given the manager XXXX XXXX from XXXX XXXX. {$8000.00} car down payment. In XXXX and XXXX with. Car down payment. For my XXXX XXXX he. Only credited me for {$5500.00}. And the owner refuses to. Refund or resolve this. With situation. Stating that he only received {$5500.00} from his manager XXXX. XXXX XXXX is doing bad business. So I need your help. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I received a PayPal payment for XXXX from my pastor and PayPal put a permanent limitations on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
It is for a bank account I had I was evicted from my apartment and my personal items were discord I have no idea what happened to my account after that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

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 2024-04-10 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I believe that this financial institution pulled my credit several times over the past XXXX years. It is not a matter of identity issues, just the fact that my credit was pulled too many times for XXXX transaction. Accordingly, I respectfully request that the inquiry pull in XXXX or XXXX be deleted from my credit bureaus respectfully. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I believe that this financial institution pulled my credit several times over the past XXXX years. It is not a matter of identity issues, just the fact that my credit was pulled too many times for XXXX transaction. Accordingly, I respectfully request that the inquiry pull in XXXX or XXXX be deleted from my credit bureaus respectfully. 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I checked my credit report and saw I have fraudulent accounts on my credit report. I did not authorize this and I don't recognize this account. This is being reported by a XXXX party called XXXX XXXX XXXX for {$37000.00} and XXXX XXXX XXXX for {$330.00}.

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 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This debt collector is called XXXX XXXX XXXX and the call was received from XXXX. This caller has left several messages on my cell phone using XXXX different names ( XXXX, and then XXXX XXXX ) and today contacted my employer to serve " court documents that required my signature ''. She threatened me with a wage garnishment, a lien on my property, and withholding any tax payments due to me until the {$8900.00} charge-off from XXXX was XXXX. The debt date is from 2013, and I informed her that the statute of limitations had expired. I advised her I would get an XXXX  to review any documentation that required my signature and asked why this paperwork could not be delivered to my home. She said they can leave it on the front porch. I then reminded her she told me the " court documents '' required my signature and at that point, she began back peddling and talking in circles. I need your assistance. I would like to pursue legal action against this collection agency and sue them for the money they are illegally trying to collect. I am not an uninformed consumer and the information given to my employer today was out of line.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I believe that this financial institution pulled my credit several times over the past XXXX years. It is not a matter of identity issues, just the fact that my credit was pulled too many times for XXXX transaction. Accordingly, I respectfully request that the inquiry pull in XXXX or XXXX be deleted from my credit bureaus respectfully. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Due to the XXXX XXXX XXXX XXXX, I requested a mortification from PHH Mortgage Co. However, the company keeps asking for the same information that I have already submitted. They are also making false claims against me. Since XXXX of this year, they have been harassing me. 

Even when I submit the required documents, they still find other incorrect information. For instance, they have accused me of having a business and renting out my property, which is not true. Now they want me to defend myself by writing to them and denying these baseless accusations. They also keep asking for more bank statements, which I provide every month. However, they never respond within the promised XXXX business days. 

I approached them for help, but they are treating me unfairly. I have been their loyal customer for XXXX years, and I don't deserve this treatment. I need assistance, but I don't know what to do.

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