vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 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: TX

Complaint narrative:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX # XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had violated my rights. 

15 U.S.C 1681 Section 602 A. Section 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Luckmore Finance
State: FL

Complaint narrative:
I am a natural person, I am a living human being, and I have writes under 15 USC 1692 F SECTION 6, 15 USC 6802, 15 USC 1692, and 15 USC 1692 K. Under these laws luckmore finance continued to violate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: Center Street Finance, LP dba CSF Servicing
State: AL

Complaint narrative:
I purchased a car in XXXX XXXX which was originally financed by XXXX XXXX from a shady car lot called XXXX XXXX in XXXX XXXX XXXX I was young, under distress, in a new city, and manipulated to sign blank contracts. XXXX sold my loan to Center Street Finance, also known as CSF. Center Street Finance repossessed the car in XXXX after I was unable to continue to pay. I feel on hard times with health problems and personal family issues. 

After years of trying to get a straight answer besides " you owe us the money '' from Center Street Finance, I am still confused why they continue to report to XXXX that I still owe them {$11000.00}. Before the repossession, I paid {$400.00} a month for 4 years totaling about {$19000.00}. They charged off the car to receive tax breaks and probably resold the car because it was still in great condition. According to XXXX XXXX XXXX that car was worth about $ XXXX resale price. 

It's disgusting and overwhelming Center Street Finance made over {$40000.00} off of me because I bought a XXXX XXXX XXXX at XXXX XXXX XXXX for a car that was worth $ XXXX at the time of purchase. Even more odious that they are allowed to report on my credit for years stating that I still owe them when they received their car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: CA

Complaint narrative:
I am receiving letters from credit card companies saying that they're declining my application for their credit cards even though I have never applied to any credit card companies recently. I only own XXXX credit card and a debit card. However, multiple cards are trying to be opened in my name. These letters I receive say, " we need more information to approve your application, '' " we are declining your application because we believe someone is using your information fraudulently, '' or " we need to confirm your total amount of income. '' So far, I have received XXXX letters from XXXX XXXX, American Express, and XXXX. I have no current or past accounts with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is XXXX XXXX submitting yet another CFPB complaint to request that the Credit Bureaus remove the following disputed accounts and information completely from my Credit Report. It has been drawn out into the open that the Credit Reporting Agencies are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX UNIT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX FIN XXXX XXXX Balance Owed : {$0.00}

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 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
a girl i didint know well asked to use my account too transfer money from her account to mine. she didnt have i.d so i said it was ok she transfered money too my account she couldnt wait for the bank to open on monday so she asked if i could send the money to one of her friends i said yes. she sent more money too mu account and wanted me too pull the money and give it too her so i did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: CA

Complaint narrative:
This is XXXX XXXX submitting yet another CFPB complaint to request that the Credit Bureaus remove the following disputed accounts and information completely from my Credit Report. It has been drawn out into the open that the Credit Reporting Agencies are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX UNIT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX FIN XXXX XXXX Balance Owed : {$0.00}

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 2022-08-27 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:
This is XXXX XXXX submitting yet another CFPB complaint to request that the Credit Bureaus remove the following disputed accounts and information completely from my Credit Report. It has been drawn out into the open that the Credit Reporting Agencies are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SG and Associates
State: GA

Complaint narrative:
Stafford Group has contacted several family members, work, etc. demanding money for a collection account for the entire month of XX/XX/2022. My personal vehicle was brought up as a threatening tactics to try and scare me. Did research on this company and have found several negative reviews of this being a scam company the XXXX has lots of complaints from this company including a website that redirects you to XXXX Validation letter from the company has never been received with break down any debts own.

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 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reached the peak of my peatiece bedacuse of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be corrected under the provisions of the Fair Credit Reporting Act : 1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}

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 2022-08-27 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: CA

Complaint narrative:
I have reached the peak of my peatiece bedacuse of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be corrected under the provisions of the Fair Credit Reporting Act : 1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT ED/XXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT ED/XXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
At XXXX XXXX on XX/XX/XXXX, received an attempt to collect a debt from XXXX XXXX XXXX. Explained that they have yet to send a validation letter and that this debt is under dispute. Please see attachments to letters/ emails to prior collection agency back on XX/XX/21 and email to XXXX XXXX I told XXXX to cease and desist collection activity as this is a disputed debt. Representative said they 'juts got the file ' I advised that they should return the file and mark it in dispute I can certainly afford the {$20.00}, its the principle of the matter. I also have a expetional credit history ( see picture ) which I guard against these type of issues I happen to work in the debt collections business, and it saddens me when players do not follow the correct steps. For the purposes of your investigation 1- Did XXXX XXXX purchase this debt from XXXX or from Sunrise Credit Services Inc XXXX 
2- Neither XXXX  nor Sunrise do a good job in complaint management handling as neither marked this account in dispute nor allowed it to continue 3- Sunrise, never responded in writing how I requested- and possibly failed to inform XXXX or worse sold the debt to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
In XXXX our mortgage company took out our property tax payment out of our escrow. They were not supposed to since in our closing documents it stated that the title company would be responsible for that. The payment never materialized on our property tax account with the city. After months of calls and emails a city employee discovered a payment of the same amount went to our neighbors ( one number different than our address ). This was a simple mistake by shell point who makes their batch payments through core logic. A property tax representative of shell point said we need to apply for a refund from the city because they do not expect the city to refund them. The city says we can not apply for a refund because its not our property. We paid the taxes with separate savings. So, not only did we not get the benefit of having an escrow account, we also are now missing ~ {$4400.00} from our escrow account. We believe Shellpoint should refund our escrow account and pursue a refund for their mistaken property tax payment. It should not be our burden to resolve their mistake. We have spent hours and hours trying to resolve this issue. We are considering pursuing litigation to be compensated for our efforts and stress. We can not choose our mortgage servicer. At a bare minimum our mortgage servicer should take responsibility for their actions.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello, My Chase Sapphire XXXX card has a baggage delay benefit where you get reimbursed $ XXXX per day the baggage is delayed. I have provided all required documentation, but Card Benefit Services, which administers this benefit says the delivery confirmation the airline provided me isn't valid. All the airline ( XXXX ) was able to provide me was a confirmation that said my bag was delivered after 96 hours, however, this should still work in that it provides time frame in which the bag was delivered. Also, with how crazy airline customer service lines are this summer, this is likely the best I'm going to get from the airline. 

I provided all documentation as of XX/XX/XXXX, have called XXXX XXXX XXXX  twice since then, and then on XX/XX/16, they called me to tell me the airline 's delivery confirmation wasn't good enough to use. 

I am very frustrated since why do I pay for this credit card if the benefits are impossible to use?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I have a collection account that I've been reaching out to numerous times about relief and they were still billing me. I told them due to covid 19 hardship I lost my job and everything, I won't be able to make the payments. They ignored me and kept adding on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a credit card debt that is not mine in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/XXXX XXXX dollars was withdrawn from my account I called immediately. I gave the bank countless proof of screenshots emails between the merchant and I and the merchant denies ever receiving the funds. chase bank over and over denies my claim and I have not received the money that is suppose to be protected by my bank. Under the electronic transfer act I am only liable for XXXX $ due to the fact I DID in fact call the bank to report these charges with in the two day limit. It has been over 2 months now and no resolution has been made. It is not right that my last resort would be getting a lawyer, but if needed I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There is incorrect information being furnished in the personal information section of my consumer report since XX/XX/20 that Transunion has PURPOSLEY furnished for years and have YET to do a VALID investigation and get these errors removed from my consumer report. This inaccurate information is ruining my reputation. I need these errors DELETED from my consumer report 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 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
Claim ID : XXXX Dispute Type : Pay Friends - Unauthorized Transfer Date Error Reported : XXXX Claim Amount : {$2000.00} I was robbed by a group of guys walking to the atm they took my phone and transferred XXXX to themselves I never transferred money on chime before peer to peer and I had them since XXXX. After everything happened I went to the police station. I made a police report and called chime and made a dispute online. The next day they denied the dispute and said it was no error. I asked for the reason and paper work. That said it would be 10 days to recieve the paper work. I never received A response. 
This is the police report I made right after the incident. After 8 years of being with them I never not once made a peer to peer transaction. I was robbed and reported it immediately to chime and the police. After 8 years I only had one other dispute that too 3 months just for them to tell me know after getting scammed by a company that never sent out my items. The was for XXXX And I would like that reinvested too.

Company response to consumer: Closed with explanation