vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: 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 Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Checking account Breach On XX/XX/XXXX Chase received ( what they call a suspicious balance request ) and they provide a balance amount. I did not receive any notice of this call/request until after the breach. 

On XX/XX/XXXX a fraudulent Chase account check in the amount of {$19000.00} was deposited into my checking account and the teller provided {$18000.00} in cash back to the depositor. 

On XX/XX/XXXX Chase notified me via email that the above deposit was rejected and my account had been debited {$18000.00}. I then went to my local Chase branch in XXXX Nj to provide additional funding to cover checks I had issued. I was charged for new checks and a wire fee which I have not been reimbursed for. 

After numerous attempts and requests I have not been provided any of the items below. 
1 ) What branch was the fraudulent deposit made?

2 ) what form of identification was used to receive the balance information and the cash back at the branch?

3 ) Why was I not notified on XX/XX/XXXX of balance inquire? ( Especially since Chase tagged it as suspicious ) 4 ) Why was I not notified on XX/XX/XXXX when Chase provided {$18000.00} cash back? 

All of these questions are critical so I can prevent this from happening again. 

This breach is entirely due to Chase negligence and appears to be an inside job. I should be refunded all costs related to the breach at include but not limited to : 1 ) cost of new checks for replacement account {$50.00} 2 ) Chase charged me {$15.00} for me to wire replacement fund into mew account. 
3 ) Interest charges on the {$18000.00} not redeposited into my account for 12 days {$50.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
A account at bank of America was fraudulent opened under my name, I believe it was opened by the bank. I contacted the fraud department and they had very little concern and didn't even close the account when I requested them to do so.

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 2023-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
Back in XXXX of 2019 ( I believe ) I went to the XXXX XXXX hospital for XXXX XXXX Was in the ER for a few hours, they ran tests and found I had XXXX XXXX. At the time they had no rooms available, and they wanted to transfer me to a neighboring hospital via ambulance. My husband told them ambulance wasn't necessary and that he 'd drive me. Hospital insisted they needed to drive me. I told them I couldn't afford extra charges. 
Ambulance took me to XXXX XXXX XXXX XXXX ( it took less than 5 minutes via ambulance ). I was transferred to another ER at XXXX XXXX XXXX, they had no rooms available either, so I told hospital I was going home. 
It was ridiculous that they transferred me via ambulance from one hospital to another only to end up at another ER. I was worried about all the extra charges for ambulance, so I had them discharge me right away. The said bill is the result of the ambulance driving me Literally across the street for no more than 5 minutes! I told them I was going to be driven, and they told me no. I disputed this with them years back and thought it was settled. 
IT is NOT right that something like this goes into your credit report and brings down your score. Please help me remove it. Wakefield and Associates for {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-07-11 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:
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.

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 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Had a Citibank " Citicard '' with a {$200.00} secured credit limit opened the account with them on XX/XX/XXXX. Covid-19 hit and I lost my employment and was un-able to make the payments on the account. Last payment to them was made in XX/XX/XXXX. Now they claim I ran a total up to {$780.00} in charges/fees on a card with a {$200.00} limit, and subtracted my {$200.00} deposit made, which has left me with a suspiciously high amount of {$580.00} due. I contacted Citi multiple times in the last year to try and resolve this matter, and in return asked that they remove the account or atleast send me a verification letter in writing, that they had agreed to the amount of {$280.00} in XXXX of XXXX. Never recieved any letter from them and they proceeded to sell the debt to XXXX XXXX XXXX ( which is directly related to Citi ), in XXXX of XXXX. I called Citi once again asking to negotiate a settlement with them and they sent me to XXXX XXXX, which I came to an agreement on settling for {$200.00}, and in return they would remove the account entirely from my report/or would at minimum report the account with a {$0.00} balance due and satisfied and no longer obligated. I settled with them on XX/XX/XXXX and was finally given an emailed settlement letter on the XXXX of XXXX. They also mailed a physical copy which I recieved on the XXXX of XXXX. I have disputed this multiple times with them and they refuse to honor their part of the settlement agreement and its effecting my score substantially while Im trying to get a mortgage. I have disputed on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX They have failed to uphold the agreement and do as they said they would. I have settlement letters and recorded phone calls with them as well.

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 2023-07-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I sent Specialized loan Servicing 3 monthly payments of XXXX and they were supposed to remodify loan. Then I'm contacted by XXXX XXXX  and they say that it's in default and that there was no record of me paying those amounts. The whole thing is a fraud I never even took the loan out nor did I have any knowledge of it and I never received a XXXX. I've paid thousands of dollars and the loan is still at it's original amount. I've never even seen the loan documents. XXXX XXXX did not have my permission to give anybody a loan. I've been paying on this loan for years because they keep threatening to take my home.This is not uncommon I am discovering why haven't you shut these crooks down. Many innocent people are losing their homes and nothing is being done. What's going on? Furthermore, I never recieved compensation from Specialized Loan Servicing as I am an affected consumer and in 2020 they were ordered to pay out over {$300000.00}.

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 explanation
Consumer complaint received 2023-07-11 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: CA

Complaint narrative:
There are some hard inquiries on my account which i never ever applied for i never run any loan or any credit card or anything with th creditors and they still put hard inquiries on my credit report i dont know why but the best explanation i can think of is someone else would have run my social to get anything which results in this please look after on the hard inquiries please.

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 2023-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I was told that I can remove my impound account later with my 25 % down payment. XXXX years has past since and still US Bank won't do it unless I pay them {$1000.00} and there is no where on my documents saying that I have to pay this cost.

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 2023-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Albert Corporation
State: PA

Complaint narrative:
I was charged money for something I no longer even have. I deleted the app before I did anything and was charged XXXX dollars over a month later. I dont even have it anymore and never signed up for anything

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 2023-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As per 15 U.S. Code 78cc, which emphasizes the importance of valid contracts, along with 15 U.S. Code 1692g Validation of debts and 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. 15 USC 1681A & 15 USC 1681B CC XXXX Last reported XX/XX/2023 {$2400.00} Reported balance

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 2023-07-11 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Account not right and wrong 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 explanation
Consumer complaint received 2023-07-11 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: 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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
On Tuesday, XX/XX/XXXX around XXXXXXXX XXXX, I received a suspicious phone call from someone who claimed to represent a debt collection agency with XXXX XXXX XXXX. He knew my name, my email address, and the address of my previous residence. He insisted that I had a {$170.00} debt that needed to paid urgently, and that it has already hit my credit. 

He was very insistent that I pay immediately through his guidance on the phone, but I hesitated to oblige and eventually hung up, so he would stop pressuring me. I don't think the call was coming from within the US. It felt like a scam. 

I then went to check my credit to see if there was any truth to what he said, and I was shocked to see that my XXXX score was indeed affected. A company by the name of Creedence Resource Management had reported this falsified {$170.00} debt to my XXXX account. 

I searched this company online to discover that dozens of others have been victimized as well - virtually all of them mentioning a similar scam involving a falsified debt with XXXX XXXX XXXX. 

It's been about a year since I've used XXXX XXXX XXXX. The apartment that I lived in at the time bundled this service with my rent, so I paid the property management company every month, and they paid for XXXX XXXX XXXX XXXX service under my name. I received an electronic bill every month from XXXX XXXX XXXX for {$0.00} to acknowledge the payment. 

At no point should I have accrued any kind of missed payment from XXXX XXXX XXXX, and if so, one would think they would contact me directly with a notice. 

Because my XXXX XXXX XXXX account closed after I moved out, I don't even have an account to log into to see if there is even any kind of debt to pay. My email is no longer on file for them. I'm sure XXXX XXXX XXXX can verify all of the information I have shared above. 

I can only assume that this scam company obtained my personal information as a result of a data breach on XXXX XXXX XXXX XXXX end earlier this year. I'm filing this report to bring attention to the issue, and to use as documentation for the dispute I've filed with XXXX. 

I am attaching a screenshot of the derogatory mark from my XXXX XXXX account, and screenshots of some of the XXXX reviews Credence Resource Management has received - showing that others are dealing with the same issue. 

I am also attaching the final email bill of {$0.00} I received from XXXX XXXX XXXX, which was sent to me several months after I moved out. I moved into my new house in XXXX of 2022, and do not currently have any service or account with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: PA

Complaint narrative:
Remove all old addresses and name variations. 
I am afraid I may become a Identity Theft victim again. Please report only my name and current address : XXXX XXXX XXXX XXXX XXXX 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 2023-07-11 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: PA

Complaint narrative:
Remove all old addresses and name variations. 
I am afraid I may become a Identity Theft victim again. Please report only my name and current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Wrong information wrong reporting

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 2023-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: MD

Complaint narrative:
Ive talked to Sallie Mae many times about not contacting me and harassing me multiple times a day but they continue to. XXXX calls over a 7 day period were made to me, multiple were made to my co-signer, multiple were made to my sister ( who is not on any loan information of mine, multiple to both of my parents, and probably others I dont even know about. They never help me with my loans or help me to lower my payments and always beat around the bush when I try to explain my situation to them. They are harassing me, setting me up for failure, dont care about my situation, and are an awful lender. I have to pay XXXX dollars a month due to their outrageous interest rates and the fact that Im so behind because they have never been able to or cared to help me and my situation. I can not pay XXXX a month. My debt is a total of XXXX dollars with Sallie Mae for student loans and over the past 6 years Ive totaled about XXXX dollars in interest. They are taking advantage of students without a care in the world for their well being or success. Ive talked to at least 10 different people at Sallie Mae over the past few years and they say the same thing everytime. We are so sorry but we can not help you at this time due to blah blah blah. Then the day bye and hang up. That is not helping me. Its stressful, it hurts my career, my life, my future, and its getting worse. Sallie Mae needs to be held accountable for there terrible service and loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief