vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
When I checked my credit report I notice that someone has access my personal information. I noticed that I have multiple inquiries on my credit report one from XXXX XXXX on XX/XX/2022 and the other from XXXX  XXXX XXXX on XX/XX/2022. I have no knowledge of what or who this could be.

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 2022-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I recently ( XX/XX/2022 ) had my student loans transferred from XXXX to Mohela. The process has been awful and difficult. I have been attempting to track my payments online and to see detailed information about payments I have made towards the Public Service Loan forgiveness program. First, XXXX kept declining my requests to count payments ( form was submitted in XX/XX/2022 and XX/XX/2022 and again in XXXX 2022 ) after it was denied multiple times ( even though the form had been completed accurately ). XXXX just would say that the form was denied but they couldnt explain why. They suggested I resend it and I did. It was then declined again. After not getting a response, I finally gave up and my loans were moved to Mohela. The tracking since moving to Mohela has been terrible. I have called them on multiple occasions to inquire about when I could anticipate an updated payment count only to be told that the XXXX data was kept in a way that would not be accepted and tracked in their system. The person I spoke to said that they have had to get new software and to be patient with them. This conversation occurred in XX/XX/2022 about this and still dont have clarity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IN

Complaint narrative:
I told XXXX XXXX that I would be moving. Told them in XXXX that I would have to move from XXXX because I had medical problems going up and down stairs. Company stated what I had to do. We would probate the time because I was leaving at the middle of month in XXXX. I had to probate that from bank to settle. so, when I try to go to the office the door was lock and the sign said close because of Covic19. Than I try to reach them because I needed to sign everything is clear. No, office, no phone service and I try emailing the company. That's went I got the run around they kept sending me emails stated when you move we will glad to set you up with gas, utilities and other things in your new place. I email them and said no remember I moving. so no communication from them. I never got no response to prove that I don't owe. I paid my last payment from in my bank got proof. One year later a agency call me and it was a New company name XXXX that took over XXXX XXXX and collections name Genesis collections is working to get {$3100.00} from me. I don't owe them any money at all. Pandemic cause me to be caught up with this amount. I am innocent of this. Please help my husband and I are trying to have good credit because next year were buying a house!!! thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2022, Check # XXXX to XXXX XXXX is posted in Chase.com 's website. It is a balance transfer check for the amount of {$1500.00}. XXXX XXXX  representative deny ever receiving the check. 

Same month -and the following month after being suggested to wait a few more weeks- phone calls with Chase 's disputes department lead to nowhere. They state that it has been 'escalated ', but to this date the problem has not been resolved. 

Interest has accrued!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: NC

Complaint narrative:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written 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 non-monetary relief
Consumer complaint received 2022-08-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX stated that an additional {$500.00} was due on a lease that was always paid on time. The vehicle was totaled and USAA handled the case. USAA sent payment that was cased ( copy attached ) in XX/XX/2020. Six months after accident due to XXXX not sending paperwork correctly. Can have USAA provide information on that statement. 
USAA said the {$500.00} was not due XXXX, I can request phone recordings. 
Attached is paperwork with the {$15000.00} XXXX that is listed on paperwork. There is one sheet that has a higher amount, that does not match the check. My lease sis not have a deductible in the lease. The {$500.00} was paid after XXXX bulk reporting several months of late at once and after USAA informed me that the {$500.00} was not due to XXXX. XXXX says they can not remove the reporting, in actually they can. Nothing was late. The was a discrepancy with a deductible that has been paid so stop the bad credit reporting USAA said not too pay. XXXX emailed a letter with different numbers, we paid the {$500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX stated that an additional {$500.00} was due on a lease that was always paid on time. The vehicle was totaled and XXXX handled the case. XXXX sent payment that was cased ( copy attached ) in XX/XX/2020. Six months after accident due to XXXX not sending paperwork correctly. Can have XXXX provide information on that statement. 
XXXX said the {$500.00} was not due XXXX, I can request phone recordings. 
Attached is paperwork with the {$15000.00} XXXX that is listed on paperwork. There is one sheet that has a higher amount, that does not match the check. My lease sis not have a deductible in the lease. The {$500.00} was paid after XXXX bulk reporting several months of late at once and after XXXX informed me that the {$500.00} was not due to XXXX. XXXX says they can not remove the reporting, in actually they can. Nothing was late. The was a discrepancy with a deductible that has been paid so stop the bad credit reporting XXXX said not too pay. XXXX emailed a letter with different numbers, we paid the {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Velocity Portfolio Group
State: MO

Complaint narrative:
I have notified them several times that this Account does not belong to me and its been a collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: MI

Complaint narrative:
My credit report stilll show inaccurate comments in Disputes On inaccurate accounts on credit report. 
they where not investigated. This is grounds for removal they also violated my rights under This Correct information Listed below should only be on my credit Reports Correct Name XXXX XXXX XXXX Correct Date of Birth XX/XX/1979 Correct Address XXXX XXXX XXXX Michigan XXXX Correct Social Securit ; y number # XXXX Correct Phone # ( XXXX ) XXXX Correct Email Address 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 non-monetary relief
Consumer complaint received 2022-08-19 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: MI

Complaint narrative:
My credit report stilll show inaccurate comments in Disputes On inaccurate accounts on credit report. 
they where not investigated. This is grounds for removal they also violated my rights under This Correct information Listed below should only be on my credit Reports Correct Name XXXX XXXX XXXX Correct Date of Birth XX/XX/1979 Correct Address XXXX XXXX XXXX Michigan XXXX Correct Social Securit ; y number # XXXX Correct Phone # ( XXXX ) XXXX Correct Email Address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services
State: DC

Complaint narrative:
I rented a car with XXXX XXXX XXXX in late XX/XX/XXXX. Through my bank, I disputed a charge for {$150.00} because it was wrong and was never told why I was being charged this. My bank opened a claim and I was told they would resolve it. Today ( XX/XX/XXXX ) Viking Services called me, claiming I owed {$150.00} in debt to XXXX, which I had not been made aware of before. I called XXXX, and they told me that they have been trying to charge my credit card for two months, but because of the claim I filed with my bank, the charges were unsuccessful. According to my bank ( XXXX XXXX XXXXXXXX ), XXXX already won the dispute and got the {$150.00} back through their bank. The claim has not been finalized yet but my bank confirmed today that they received the money. Thus, the debt collection efforts they made are illegal and moot. And I STILL have received no explanation as to why Ive been charged {$150.00} - not from XXXX nor Viking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Someone applied for these items, they are not mine. I have a fraud alert on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Someone applied for these items, they are not mine. I have a fraud alert on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Someone applied for these items, they are not mine. I have a fraud alert on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson, Blumberg & Associates, LLC
State: IN

Complaint narrative:
In XXXX ( Attorney XXXX XXXX letter ) and XXXX ( Authorization ) we submitted two signed third party authorizations, from borrower XXXX XXXX twice and their own call records show XXXX XXXX called XXXX  and the Bank XXXX XXXX XXXX XXXXXXXX, requesting they provide me with a pay of borrower XXXX XXXX 's loan. They refused to do so but their attorney 's XXXX XXXX and XXXX XXXX lied to two court, XXXX to federal bankruptcy court that we could go across the street and get a mortgage, which I could not because they refused to give us a payoff, and XXXX XXXX stating a payoff could not be provided because he had to protect his client, XXXX XXXX 's privacy, when in fact XXXX was fully aware his client XXXX  had two authorizations and neither his firm nor XXXX XXXX XXXX did not represent the new master servicer Bank XXXX XXXX. I spoke to Bank XXXX XXXX who advised me that both authorizations I submitted in XXXX ( Attorney XXXX XXXX letter ) and XXXX ( Authorization ) from borrower XXXX XXXX were sufficient for XXXX to have provided me a payoff letter. The new law firm in a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, Managing Member Johnson , Blumberg & Associates , LLC Attorneys at Law, representing Bank XXXX XXXX responded to my complaint # XXXX, by falsely stating I had stated that I had never gotten a copy of the foreclosure judgment, which was a lie, as I had never stated that. Further he NEVER offered to provide me with a authorization for his client Bank XXXX XXXX, who in fact provided me their payoff authorization for borrower XXXX XXXX to sign earlier this week. This is a continuing violation of federal law and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a hard inquiry from XXXX on XX/XX/2022 that I did not authorize. I would like to dispute this hard inquiry.

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 2022-08-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a hard inquiry from XXXX on XX/XX/2022 that I did not authorize. I would like to dispute this hard inquiry.

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 2022-08-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-08-19 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: NY

Complaint narrative:
According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. TRANSUNION has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give TRANSUNION written instructions at any time to report. The following XXXX XXXX accounts are being reported on my consumer report without my written consent. The CFPB STRICKLY prohibits this behavior in accordance with federal law. Please see the attached invoice and affidavits for the following violations.

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 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have been a Chase XXXX Visa cardholder for 20 years. I have submitted multiple requests for XXXX gift cards containing my rewards points accrued and have not received them, even after requesting they be sent via overnight delivery. I have made multiple calls to the Chase customer service department over the past 2 months and none of the representatives or supervisors have been able to correct this issue. I am leaving for vacation to XXXX in 2 days and am unable to purchase water park tickets and reserve a cabana using my points. I would have to pay out of pocket if I still want to take my kids to the water park. I am profoundly disappointed that Chase is unwilling to correct this situation and have spent hours on the phone with them only to be transferred from person to person without resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19 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: MO

Complaint narrative:
My name is XXXX XXXX and I am a Consumer and I sent a Dispute letter to Equifax on XX/XX/XXXX along with Proof of Identity, specific information that is a result of identity theft, and a copy of complete and submitted Identity Theft Report with the FTC. 

In return Equifax responded, with a letter stating that they will not block and remove the 3 accounts that I requested. But in the 2nd Paragraph of the letter, Equifax stated that in order for them to block the XXXX accounts under Section 605B of the FCRA I will need to provide them with the following information : Proof of Identity, specific information that is a result of identity theft, and a copy of complete and submitted Identity Theft Report with the FTC. It's crazy because I submitted all 3 of the necessary documents that's needed in order to follow Section 605B of the FCRA and block and remove the items. 

I called Equifax and explained to them what they have failed to do and as a result violate my consumer rights. I talked to a representative and she said they are in fault and she reviewed my file and seen that I had everything that is required to block and remove the 3 accounts. She gave me a confirmation # XXXX and said that the 3 accounts would be removed but they still remain on my Equifax Consumer Report. I look forward to hearing from you and taking care of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
These inquiries where not authorized

Company response to consumer: Closed with explanation