vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Trying to sell my house underwriting company requested recorded documents from my mortgage company proving their ownership of the debt on my house. We requested this XX/XX/XXXX. Closing date was XX/XX/XXXX to this day we have not received it after calling them on at least 10 occasions. We been promised that we would be contacted but no response yet. Shellpoint inc. has not responded yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
To Whom it may concern : I am about to lose my home. I am exhausted trying to explained the situation to the new Mortgage company along with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fax : XXXX. The original loan servicing Cross Country Mortgage XXXX monthly mortgage {$2300.00} transferred Mortgage to XXXX XXXX XXXX  monthly mortgage {$3300.00} they transferred to Cross County Mortgage XXXXXXXX XXXX monthly mortgage ( Modification Approved amount before the transfer ) {$2800.00} All payments were sent to the Mortgage company before the last transfer. Now when they transferred the loan they did not transfer all the documents and the payments received. They are claiming the wrong amount owed on the statements sent then what customer service views in their system when you contact customer service. This has been ongoing for over a year and no solution has been made. The modification loan was completed and approved the the 2nd servicing mortgage prior to the transfered. All I want is to be able to move forward and move on with my life. Having a home should not be a nightmare because of the mortgage companies not providing correct information regarding your home loan. 

All I want is for the mortgage company to honor the modification and to report the correct payments applied to the mortgage loan servicing company. 

-- XXXX XXXX XXXX XXXX, Florida XXXX XXXX : ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
The report is simply inaccurate, Its been sold and held and moved around and updated so many times. 

I opened a XXXX XXXX XXXX XXXX Account Due to Pandemic Disaster I lost My Job, Got My car Repossessed and fell behind on insurance payments and this collection I paid the balance have disputed many times that I was impacted by the Pandemic. I was always met with " We have to report accurate information '' If the info is so accurate why is my collection constantly still updated a year after its close. I thought it was accurate the other times I disputed. It was last updated XXXX  5 days ago My XXXX, XXXX and XXXX Statements of this collection all differ, XXXX doesn't even report it Some say XXXX XXXX some say CCS Collections, Different dates, Payment history, different contact info, not even sure who owns this debt anymore Multiple times XXXX XXXX  representatives have said they would remove this from my credit report THE ORIGINAL CREDITOR How can I have XXXX XXXX XXXX and XXXX but XXXX XX/XX/XXXX and get a collection for XX/XX/XXXX Will attach Video for proof Every derogatory thing I received during the pandemic has been resolved, If XXXX XXXX XXXX remove a car repossession and understand pandemic conditions surely the insurance that was insuring the car can aswell. 

I was XXXX I am now XXXX, And this is now my only collection and was received under disaster circumstances CCS I paid you money I owed from when I was XXXX in a pandemic that killed over XXXXXXXX XXXX Can we be done now

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
1. ) If I have no bank account connected how will I be able to transfer my funds when my 180days are up on or before XX/XX/year> as stated below from last complaint.. 2. ) down below is Venmo response to my last request complaint that got answered Venmo provided me with PayPal terms and conditions about using PayPal services to gamble on any wagering fee site.. well I have information that contradicts that policy and Venmo policy since yall use PayPal rules as well ..so I have a PayPal account and debit card and have used PayPal services to gamble and place bets on wagering sites and PayPal hase yet to restrict my account and hold my funds for 180days so I dont know whats going on but if you guys are holding PayPal standards then why hasnt PayPal restricted my account. Venmo has had my account restricted for 34 days and that is XXXX XXXX  and unacceptable I havent did anything fraudulent and I want my money before 180days its my money and isnt fraudulent I demand Venmo to release my money immediately 3. ) I demand release of my money in my Venmo account immediately I have done nothing fraudulent and can not wait 180days I have become homeless due to not haveing access to my funds thats in my Venmo account I have also lost my job and car and I dont Know what else to do Venmo has ruined my life and I will try my best to get my money before 180days this has put me in a financial crisis and my health has gotten bad from this.. I demand Venmo release my money Use Policy section of the Venmo User Agreement, it states that : You may not use the PayPal service for activities that : 5. relate to transactions involving any activity that requires pre-approval without having obtained said approval. PayPal requires pre-approval to accept payments for certain services such as : 6. Activities involving gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to property/real estate prizes, casino games, sports betting, XXXX XXXX XXXX XXXX  fantasy sports, lottery tickets, other ventures that facilitate gambling, games of skill ( whether or not legally defined as gambling ) and sweepstakes,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
In or around early XX/XX/year> I received a promotional mailer from Citizens bank advertising a XXXX total bonus in exchange for opening up a checking and savings account if opened by XX/XX/year>, in addition to other terms. On XX/XX/year> I opened a checking and savings account with Citizens and entered my XXXX debit card information for transfer of XXXX to Citizens, for which I received a transfer confirmation from Citizens that showed {$500.00} account balances in both the Citizens checking and Savings account. The debit line item on my XXXX checking account reflected Citizens as the withdrawal source. Approximately two weeks later I logged back into my Citizens account to make sure the transfer was made ; however, both the checking and savings account balances now reflected {$0.00}. I spent extended periods of time on hold after calling Citizens, and was eventually told by an account rep that even though Citizens previously provided confirmation that the funds had been transferred to my Citizens checking and savings account, the funds were in fact not there. The account rep then went on to explain that I had to make a claim with my own bank, XXXX. I then received a call from a woman XXXX XXXX that claimed she was from the Office of the Chairman. I was given various assurances that the funds would be transferred from Citizens. I was put through additional hoops including going to the Citizens branch all under the guise that this was Citizens ' oversight and that the {$1000.00} would be replaced by Citizens. I also, in an abundance of caution began a claims process with my bank, XXXX, who ultimately told me that XXXX had nothing to do with this because the funds were officially debited by Citizens, and transferred to Citizens. On XX/XX/XXXX, I was informed by the same alleged Citizens XXXX, XXXX XXXX that " I have confirmed with our claims department the credit to Citizens failed and we are unable to pull the funds into the Citizens account. Unfortunately you will have to file a claim with your debiting bank. '' When I looked up information on Citizens bank online, I found XXXX reviews- the vast majority of which, based on my reading, claimed serious issues involving customer funds. I am reporting this both to reclaim my {$1000.00} from Citizens that was unlawfully taken as well as to alert the law enforcement to potential other customer who are victims. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed my consumer report and there is inaccurate addresses being reported that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I noticed on my credit report, you have reported a charge off, which is that has been discharged. and you did a tax write-off. After contacting the IRS they stated that it is illegal for you to report this information on my credit report to try to collect or have a charge status. This is called tax fraud at the IRS and you will be reported for it. I urge you to remove this item from my credit report and file a 1099-c so I can review it to make sure you are in compliance. You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. I have been directed by the IRS to file a Form 3949a, Reporting Illegal Tax Violations Against Your Business. I'm pretty sure your CEO or VP doesn't want to go to court over this. Companies violating any of the U.S. codes in the FCRA are entitled to actual damages and monetary compensation. 

Thanks, XXXXXXXX XXXX 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 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors, nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief