vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 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 belongs to someone else
Company: Park Hill Holdings
State: TX

Complaint narrative:
An apartment complex, XXXX at XXXX in Texas, XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX used the tenant/rental screening service Safe Rent Solutions to determine eligibility for lease approval. In their report Safe Rent advised XXXX to DENY the application based on the credit score they claim to have received from the reporting agencies. The score Safe Rent Solutions claimed returned to them was XXXX which was below the threshold of a minimum of 460 to be approved. By my actual credit score was XXXX at the time. This false report caused me to be denied a lease on my own credit and was used to force me to bring on a pre approved cosigner with an agreement already established with XXXX, whom I had to pay an additional {$3000.00} for the service, just to get into the apartment.

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 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
Securities Fraud and Breach of Contract. On XX/XX/XXXX, I sent the amount of {$15000.00}, via mail as prepayment/credit on my personal wireless account to XXXX XXXX corporate offices. XXXX did not credit my account. I sent an additional amount of {$2700.00} on XX/XX/XXXX to remittance center in XXXX, XXXX, XXXX did not credit my personal wireless account. On XX/XX/XXXX I spoke with a XXXX service representative concerned about my service being disconnected, and was told she would note the system so my phone would not be turned off. On XX/XX/XXXX, I received text messages to make a payment. On XX/XX/XXXX, I emailed a Notice of Dispute and Arbitration regarding credits for the account, and received no response. On XX/XX/XXXX after XXXX received my Notice of Dispute and Arbitration, my personal/household wireless phone account service was disconnected. I am being force to make online payments via floating rate notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: SC

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 name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 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 explanation
Consumer complaint received 2023-02-15 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: 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX 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 explanation
Consumer complaint received 2023-02-15 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: FL

Complaint narrative:
On XXXX 2023 TransUnion received my request for a reinvention of a XXXX XXXX Bankruptcy. on XXXX 2023 TransUnion replied stating the the account in question was verified. How can that be when I provided them with proof from the Bankruptcy court that the case number was INVALID. TransUnion violated the FCRA 15 U.S.C. 1681e ( b ), TransUnion failed to maintain maximum accuracy and failed to do a proper investigation. The account listed below still remains on my credit report even though I provided proof from the court that supports my claim, I have also provided proof showing that TransUnion did not conduct a proper investigation. Please delete the following account from my credit file as it is inaccurate. I have enclosed PROOF from XXXX that this Bankruptcy was Unverifiable, as well as proof from the court, Therefore the following Bankruptcy must be deleted : XXXX Bankruptcy/ Reference XXXX. PLEASE ENCLOSED ATTACHMENTS.

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 2023-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
Current bank Someone made an account using my information and have contacted them multiple times to get account closed. They state it is closed and already sent me proof, but I have received nothing. I have never once been told anything about how the account was made or that it is fraud and how to move further. They refuse to help me on the phone and just state that its already closed and they already sent me proof and theres nothing more they need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/23, a deposit of {$170.00} for medication was transferred out of the account without my permission. A rep advised I would receive an ATM card to withdraw funds as my option for retrieval, card was received however the deposit was taken without my authorization. 

I called several times before I was advised the funds were taken to pay on a charged off checking account. I recently spoke to a rep about prior to opening my current savings to apply phone authorized payments. No policy was ever disclosed that any funds in my savings # XXXX would be applied to the charged-off account. If this was deemed as true, there is {$0.00} in the account currently that has not been touched. 

I have been waiting almost 30 days for a supervisor to return my call to reverse the funds as I had a prior payment agreement to pay when I can due to layoff because of XXXX XXXX issues. One supervisor named XXXX I believed lied to say she called and left a voicemail. However I answered that called but she say hello in return, dead air was it. There was never any voicemails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I reached out to Chase Bank about their actions of sharing my non public personal information with others is a inconvenience and has hindered me from obtaining more credit. I sent an letter to Chase Bank about their actions and no change of actions have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: NV

Complaint narrative:
I did my tax return on XXXX and was approved for a {$250.00} loan basically where they would give it to me and then take it out of my tax return when it came but I had to do it through Credit Karma Credit Karma locked my account told me that Im not approved for it after They had already said I was and now my money is in the account and they wont give it to me. They will not email me back when I call they kept repeating the same thing saying we can not comment on this. You have to talk to our special investigations through email and they never emailed me back. I asked to have the money transferred into my bank or to mail me a check and they are refusing I told them I need to pay my rent with them my money and they wont give it to me and wont pay late fees due to the fact that its their fault they wont give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
we send out 3 checks to a vendor which was cashed thru somebody different than the vendor it was cashed by XXXX XXXX XXXXXXXX which they admitted it was fraud it is 6 weeks and havent heard anything yet no money was send back to my account in chase

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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. 

XXXX XXXX XXXX, and 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 explanation
Consumer complaint received 2023-02-15 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXXXXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : 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 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Since XXXX, several attempts have been made by me and by different credit repair company 's to dispute inaccurate collection accounts on my credit report by Midland Credit Management. I have disputed and contacted the aforementioned debt collection agency, yet, they continue to provide inaccurate and altered documents to show that a debt is still owed. In XXXX of XXXX, upon calling the agency to clear up the inaccurate collection accounts, the agency stated that they no longer show or have any accounts associated with my name or the alleged account numbers, yet the accounts have remained on my credit report causing me to be denied approval for loans or offered extremely high interest rates. After pointing out inconsistency in documents sent to me by the agency, they still refuse to remove the debt and have since ceased to discuss my account with me stating that I have an attorney involved, which I don't, that prevents them from speaking with me. I would like for the collection accounts to be removed from all credit reporting agencies data, as it is inaccurate and causing negative impacts, thus violating my fair credit reporting rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Clasp Group, Inc.
State: MN

Complaint narrative:
In XXXX of XXXX, I filed for a XXXX XXXX bankruptcy and my discharge was granted in XXXX of XXXX. The discharge included the debtor, i.e., XXXX, XXXX XXXX, Stride Funding, for an Income Share Agreement Contract ( ISA ) in the amount of {$15000.00} signed XXXX, XXXX for attending XXXX XXXX, a software engineering bootcamp. 

The creditors were included in the bankruptcy, but ever since the discharge in XXXX of XXXX, the creditor Stride Funding has consistently attempted to collect on the discharged ISA debt. 

The attorney handling my bankruptcy sent Stride and XXXX XXXX letters on numerous occasions to stop collecting - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, i.e., one for each invoice they sent via US mail. 

Now, in a recent collection letter dated XXXX of XXXX, they are passing this ISA to a new Servicer, i.e., XXXX XXXX, XXXX. in XXXX of XXXX to collect on this ISA. 

The attorney handling my bankruptcy suggested the next step for me is to reach out to a law firm handling these types of cases and sue using an agency he referred. 

When I entered into the ISA agreement, I was never informed the ISA contract was a Student Loan nor was I informed the contract was not a dischargeable in cases of bankruptcy. 

Now instead of dealing with attorneys and the courts again, I simply want Stride to stop collecting and honor the discharge.

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 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I am actively trying to settle my foreclosure through the short sale option offered by my lender. However, there is a dispute over the value of the property and the lender is refusing to release the broker price opinion report that they used to determine the valuation. I have the right to receive a copy of any evaluation performed on my property. The lender is also refusing to review an independent appraisal report and will only take the opinion of one untrained real estate agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TX

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
Kirshenbaum & Phillips LLC has a long history of credit card collection maleficence and abuse of the legal system. They failed to serve me a suit with the Index number in XXXX XXXX, NY of XXXX. Their process server filed a perjured Affidavit of Service on a date I was out of state during recovery post XXXX XXXX XXXX. Additionally, the server 's description of the servee was fictional. Kirschenbaum & Phillips was informed of this fact and followed up with a revised perjured Affidavit of Service that was attached to a picture of a house that is not mine, updated with a description of said recipient only after I appeared in court and used accordingly. Their revised Affidavit of Service documented their use of perjury to confirm service. It included a picture of a building that is not my house, as well as a cell phone picture was taken of me with an illegible piece of paper taken MONTHS AFTER their initiation of a case and not on the date and time they claim I was served. The Affidavit of Service CLEARLY states the date of service as well as the time of XXXX  XXXX. The photo that was shot MONTHS LATER, clearly shows the time shot as " XXXX XXXXXXXX, '' so it is quite obviously not the date and time that is stated in the Affidavit of Service.

Additionally, Kirshenbaum and Phillips have ignored filed discovery requests including supplying copies of bank statements that cover the time period of the amounts they claimed are owed to XXXX XXXX I had to appear in court to answer this action at times I was in the middle of an XXXX daily session of XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. 
Kirschenbaum and Phillips ignoring discovery is a willful attempt to keep me from validating the amount they claim is owed to XXXX XXXX I have knowledge and documentation of refunds owed to me by XXXX XXXX as well as documentation of {$1200.00} of funds transfers that did not arrive at the directed bank and were not credited back to my XXXX XXXX checking account.

Company response to consumer: Closed with explanation