vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i certified validation letter to XXXXXXXX XXXX  on the XXXX of XXXX. The letter was not delivered. The post verified on the XXXX of XXXX that the property is vacant and there wasn't a forwarding address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
For 5 years I have been disputing two accounts on my credit report from XXXX XXXX XXXX XXXX. In 2018 I had a payment arrangement for a creditor set to draft their payment out of my bank account. I set up this payment arrangement with the intention of having the funds available on the day of the draft. Due to medical issues that made me unable to work I had to withdraw the funds to pay only our necessities which left my account empty by the time the creditor tried to draft the payment from my account. Since I knew I did not have overdraft protection on my account I assumed the transaction would just fail and me and the creditor would just work out another payment plan. Unfortunately, XXXX XXXX XXXX XXXX decided to do a " one time courtesy pay '' to the creditor on my behalf without my knowledge or consent. This caused my account to go into the negative and forced me to switch my direct deposit to another bank because I could not afford for them to take all that money back when I was paid the following month. I have gone into the bank, called the corporate office, disputed the charges and I still can not have this charge removed from my credit report even after they could not provide me with any documentation showing that i was aware the bank could make one time payments even if you dont have overdraft protection ( which i did not have overdraft protection ). They also could not provide my signed consent to this process. XXXX XXXX  may have assumed they were doing me a favor with this action but i have been living with the impact on my finances and credit report for 5 years now. Not only did they make this unauthorized payment on my behalf but instead of this being one account on my credit report they have split the balance of the payment and reported 2 accounts. One with a balance of {$410.00} and a second with a balance of {$64.00}. I was sure when I explained this to the credit bureaus they would find that XXXX XXXX  had no authorization from me allow this transaction to go through and remove the two negative accounts but every dispute comes back in favor of XXXX XXXX. I am asking one final time for proof that shows my knowledge and consent to this " courtesy payment '' practice from XXXX XXXX XXXX XXXX. If they can not provide proof I would like the 2 accounts removed from all of my credit reports and a payment for the amount on both accounts for the 5 years of damage to my credit due to their unauthorized assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
For 5 years I have been disputing two accounts on my credit report from XXXX XXXX XXXX XXXX. In 2018 I had a payment arrangement for a creditor set to draft their payment out of my bank account. I set up this payment arrangement with the intention of having the funds available on the day of the draft. Due to medical issues that made me unable to work I had to withdraw the funds to pay only our necessities which left my account empty by the time the creditor tried to draft the payment from my account. Since I knew I did not have overdraft protection on my account I assumed the transaction would just fail and me and the creditor would just work out another payment plan. Unfortunately, XXXX XXXX XXXX XXXX decided to do a " one time courtesy pay '' to the creditor on my behalf without my knowledge or consent. This caused my account to go into the negative and forced me to switch my direct deposit to another bank because I could not afford for them to take all that money back when I was paid the following month. I have gone into the bank, called the corporate office, disputed the charges and I still can not have this charge removed from my credit report even after they could not provide me with any documentation showing that i was aware the bank could make one time payments even if you dont have overdraft protection ( which i did not have overdraft protection ). They also could not provide my signed consent to this process. XXXX XXXX  may have assumed they were doing me a favor with this action but i have been living with the impact on my finances and credit report for 5 years now. Not only did they make this unauthorized payment on my behalf but instead of this being one account on my credit report they have split the balance of the payment and reported 2 accounts. One with a balance of {$410.00} and a second with a balance of {$64.00}. I was sure when I explained this to the credit bureaus they would find that XXXX XXXX  had no authorization from me allow this transaction to go through and remove the two negative accounts but every dispute comes back in favor of XXXX XXXX. I am asking one final time for proof that shows my knowledge and consent to this " courtesy payment '' practice from XXXX XXXX XXXX XXXX. If they can not provide proof I would like the 2 accounts removed from all of my credit reports and a payment for the amount on both accounts for the 5 years of damage to my credit due to their unauthorized assistance.

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 2023-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
I have disputed this account with all three credit bureaus several times. Most recently on XX/XX/2023. I asked for a contract and proof of debt. I have not received anything from the company validating or verifying this debt. I am not aware of the original creditor nor the debt collector, therefore I need validation to verify that this is indeed my debt. In accordance with 15 U.S. Code 1692G, I have already requested verification of this debt. The company has not responded well past the 30 days allowed for providing a response. Since this debt was disputed pursuant to the Fair Debt Collection Practices Act, the company is required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX and 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 2023-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
In XX/XX/2022, I missed my 1st mortgage payment. I contacted my servicer before I missed my payment, they refused to help me. 
In XX/XX/2022, I was able to make my payment, but they wanted 2 months + fees. I told them I couldnt make that since I was recovering from a hardship. 
They pretended to consider me for loss mitigation, its been 8 month and I still havent received any response towards their decision. 
I know they delayed me on purpose because I applied for HAF. When I was denied due to amount of my total home loan, they switched my caseworker and the pretending started over. 
My monthly payment is {$7100.00}. I have given them the same paperwork each month and expressed my health issues due to the distress they have caused me. 
I now owe over {$60000.00} because they kept ignoring and delaying me. 
I feel like Im being mistreated because Im a minority women.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: TX

Complaint narrative:
Further information from XXXX on my public record, states that the info Equifax are saying they verified through XXXX is false. XXXX even sent out the documentation to Equifax that verifies they are holding info on my credit file that they did not get from XXXX. Equifax still refuses to provide me verification of where they got the info so I can rightfully dispute it with the entity. XXXX did the right thing and deleted the public file in accordance with the FCRA. With no verification, The info on my credit file dealing with the public record number XXXX needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a late payment on my consumer report from XXXX XXXX XXXX account XXXX I have never had a late payment This fraudulent accusation is affecting my life and my credit worthiness as well as late payments are against the law because consumer report does not include any of the following : any report containing information solely about transactions or experiences between the consumer and the person making the report ; any communication of that transaction or experience information among entities related by common ownership or affiliated by corporate control ( for example, different institutions that are members of the same holding company, or subsidiary companies of an insured institution ) ; Under the Fair Credit Reporting Act ( FCRA ) and various consumer protection laws, companies are prohibited from reporting any information about a consumer 's account without their written consent. At no point did I provide authorization for you to report late payments or to the credit agencies or give the agencies my written consent the account. 
By reporting this information without my written consent, you have violated my privacy rights under the FCRA and other consumer laws. Reporting inaccurate and unauthorized negative information about my account is illegal and has damaged my credit score.I try to dispute this fraudulent information with Experian credit reporting agency and they have failed to remove 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 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I deposited a check from closing precedes 8 days ago. I noticed the the receipt said availability on XXXX. I called the bank and I was told they needed to review the deposit for 24 hours. I do not have any money. I sold my house and all I have is my car. I called several times and explained this. I have also gone to the bank to provide proof of funds by showing the closing documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
I did transfer with western union. Online status says delivered. Money was not received at destination. Did online communication with Agent. Agent said that he filed complaint. Agent did nothing. Three times same experience with agent online. I called WU again. Now there are saying here is new complain number. Basically, chat agents have been providing misleading information and keeping consumer complains asides. Hoping consumer issues will be resolved. 

Issues are not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has no mechanism for contacting a representative to change my email address on file with them, and my old email connected to a former employer is tethered to my name and person info. 

They automatically send a reset to the old email address, effectively giving anyone in IT at my former employer full access to change passwords on the account. 

To tether things to an email address seems to me to be a violation of privacy. Consumers should be able to call and use DOB/Address/SS # to reasonably regain access to their own personal data.

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 2023-07-30 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: I.C. System, Inc.
State: FL

Complaint narrative:
I discovered an unfamiliar company on my credit report that I have no knowledge of. On XX/XX/2023, I sent a detailed letter explaining that I don't recognize the account and as a business owner, I'm facing denials due to this issue. I simply asked the company to validate the debt with me. Unfortunately, it seems like they don't care about my situation, as they haven't communicated with me at all. I haven't received any emails or letters from them, which is concerning and not fair.

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 2023-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have 6 synchrony accounts never paid late- never missed a payment- never got a check bounced, been using all my cards and paying them down. 3 days ago they closed all my cards and said it was a Risk of me paying. How did they get the assumption if I never paid late. I am currently working. I pay all my bills on time- mortgage never late- car note never late- I was truly embarrassed when I went to use my card at Lowes and they said my account was closed. This is not how to do business nor how they should conduct business, they could have frozen my accounts for a short time not to use them if that was the case.

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 2023-07-30 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This company JP MORGAN CHASE BANK has closed my previous dispute without an explanation as to why they are reporting ACH Credits and debits to EARLY WARNING SERVICES ( Another offender who has no rights to show my transaction history without my written consent ). Reporting transaction History is Illegal per 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They have violated my rights due to P.L 90-321 ( 82 Stat. 146 ), states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ).

As the previous rep for chase said that my account was CLOSED there for contract void and my personal information should not be used unless its a GOVERNMENT Agency which XXXX XXXX XXXX is not. This violation is considered IDENTITY THEFT 18 U.S. Code 1028A - Aggravated identity theft -- - 12 CFR 1022.

Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to your report without your written consent could be considered Identity theft.

I would like the executive of of CHASE that sent me this email that states " We received your complaint to the Consumer Financial Protection Bureau. I am the point of contact for your case number XXXX and will respond to you in writing when our research is complete. Thank you for sharing your concerns '' to follow up in writing after the research is complete as stated in their correspondence before closing this complaint the following questions will need to be answered to the following : 1. Why a closed account is still actively reporting transaction history?

2. Why written communication was not given after research?

3. Evidence that my account was closed on their system in form of ledger?

4. What does 15 U.S. Code 1681b - Permissible purposes of consumer report means?

5. Are they aware of over 20 violations of transaction history has been reported to a non governmental agency- I pulled the Agency 4506a IRS report in regards to government tax exempt status which they have none!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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:
XXXX  XXXX and XXXX  XXXX XXXX XXXX XXXX has two fraudulent accounts on my XXXX  and transunion credit reports, these accounts are not mine please remove these accounts, my name has been used and compromised, im filing this complaint and attaching a ftc identity theft report to this complaint, I am now suing several companies for opening accounts with out my permission, I will seek legal action if not taking off my credit reports Transunion, do not ignore this ftc identity theft report it acts the same way as a police report, it is signed be me and it has a case number attached

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 2023-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have lost my job due to a plant closure. Comenity Bank called me XXXX times last week. They called this morning Sunday also this is harassment. Theyre texting me now I also received a text this morning. My phone and laptop have been hacked and I dont know who I am speaking to so I do not answer the calls. They never leave a message and just figured out that it was them calling me. I have all the calls logged on my phone. Im not trying to screw them out of anything I need to find a new job which isnt the easiest thing to do when youre XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I enrolled my Barclays Bank credit card account in a debt consolidation program with a credit counseling agency, XXXX, to manage my outstanding debt. This was a mutual agreement between Barclays and XXXX. 

Through this program, XXXX began making regular payments to Barclays to reduce my debt. Despite these regular payments, Barclays continued to report delinquencies on my account to XXXX. This has led to significant errors on my credit report, negatively impacting my credit score. 

I have attempted to resolve this issue directly with Barclays on several occasions since noticing the discrepancies. I have spoken with customer service representatives and sent written communication, to no avail. The alleged delinquencies are still being reported despite my account 's enrollment in the debt consolidation program. 

The agreement with XXXX  was made under the understanding that the regular payments would be recognized as satisfying my debt obligations and thus no delinquencies would be reported. The continued reporting of failures by Barclays contradicts this understanding and the nature of the debt consolidation program. 

I am seeking immediate rectification of this situation, including ceasing reporting delinquencies on my account and removing these inaccuracies from my XXXX credit report.

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