vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I recently tried to dispute a transaction with one of my credit card issues, and Transunion did not provide a means on their website to dispute the transaction rather than disputing the entire account. 

Additionally, when I finally to information on how to do this, it could not be done on their website - I had to give it verbally. And it is unclear whether they changed what I was disputing or not. I got no notification from them clearly outlining my dispute. 

So then I tried to add a 100 word statement to my dispute and was told that this could not be done from their website and rather that I had to jump through a bunch of hoops sending them postal mail correspondence with my statement and copies of 2 forms of ID 's. 

Other credit reporting agencies ( XXXX and XXXX ) also appear to require postal email to dispute a finding- it can not be done on their websites either - but at least they provide some instructions. 

Why is it so hard for a consumer to protect their credit and yet so easy for a bank to fraudulently try to ruin 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 2022-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
letter date XX/XX/22 amount : {$710.00} I called the company on the XXXX of XXXX to inquire why I am in collections. I gave them the last four of my social and birthdate and they were unable to verify with the information that they have on file. I attempted to dispute and was bounced around and with three different people who couldn't help me and ultimately left on hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: Accurate Background
State: CA

Complaint narrative:
Accuratereach background check completed on XX/XX/22 listed XXXX XXXX identified with the last four numbers of my social security number. I have never used the name XXXX XXXX. This is identity theft. I notified multiple Consumer credit bureaus regarding XXXX XXXX using my social security number approximately 37 years ago. They placed an identity theft alert on my file. I request an update be added to my file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: 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. 

Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX  Account XXXX XXXXXXXX XXXX # XXXX Account : XXXX XXXXXXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX made a mistake reporting my account to Amsher Collection Service. Me and a XXXX XXXX representative also spoke with the supervisor at Amsher and was told that she ( amsher representative ) would not resolve the issue. She stated that she will only update the account as paid/ resolved. I was never notified or contacted by the collection agency or XXXX XXXX about this collection. They took it upon themselves to report it without doing a proper investigation. All XXXX XXXX representatives stated that It was an error on XXXX XXXX XXXXs behalf and I was unaware of the discrepancy until I saw it on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXXhree negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
Hello, I received a notice from Midland Credit Management a debt collector for a XXXX XXXX XXXX XXXX Balance of XXXX for a can account credit XX/XX/XXXX XXXX XXXX XXXX. I received this notification at my parents address at XXXX XXXX XXXX XXXX XXXX, XXXX Maine XXXX. 
I requested additional information about the account and found out the address for the card was at an apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at apartment XXXX. I disputed this information with the Midland Credit, but they said the information was accurate. So my father XXXX XXXX and I went to the apartment complex on XX/XX/2022 to see if they ever had any record of me living there, and they did not. XXXX XXXX said she can be contacted at XXXX to verify that I had never lived at the location. This address was used to open the account. 
My purse was stolen in XXXX a few years back and police report and figure my identity was stolen. Midland Credit told me to file a report with you. 
I can be contacted at XXXX. My father can be contacted at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
I called in more than XXXX to XXXX about why my " payments '' wasn't accepted under PSLF. They had told me it was because of 1-2 minor check box in the form that was incorrectly placed. So I corrected them. Then I called back and they said to wait a couple more months, only to tell me that the new forms were also missing 1-2 minor details. So I resubmit the second time. Called back. They told me to wait a couple more months. Call back and all they said was sorry 1 form wasn't processed and by the way your loans have been transferred to MOHELA without them sending me any courtesy email/message or the so called " welcome package ''. Their only response is call mohela it's not our problem now. While that's half truth, I have messaged/emailed/called MOHELA to no avail. Today is my third time calling MOHELA and I was placed on hold for 3 hours before someone picked up the phone. I asked if I can get a callback if the lines get dropped, and they replied " sorry no we have XXXX others to answer ''. Calls got dropped. Called back XXXX to ask if they can do a courtesy email to verify with MOHELA that they receive my account. And they say absolutely not. " so you transferred XXXX of your client info all to mohela, and you can't even email them to verify if they got my package from you ''. XXXX replied yes. Is this lazy or irresponsible? How is it that they're my servicing providers for so many years, and upon sending my data/forms to a different company they can not verify or send an email to that company to verify? I have tried to call Mohela myself and check online but Mohela is not picking up calls on all 3 days and not responding to my messages/emails. Meanwhile there is a dateline on the waiver XX/XX/2022. Can someone from MOHELA and XXXX actually assist instead of passing the ball to the next court with no responsibility whatsoever? And mohela, how are you not picking up any calls?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America unlawfully obtained my credit report in XXXX 2022. I did not authorize them to pull my credit. I have not applied for any accounts with them. This is a case of ID theft. I immediately called them on XX/XX/XXXX22 when I received notice they were working on my " application for the Bank of America XXXX XXXX XXXX XXXX XXXX '' and advised them I did not apply for this card. The reference # on the letter is XXXX. They told me it would take up to 90 days to remove the inquiry from my credit. I advised them this is unacceptable and I expect it to be removed immediately. To date, the inquiry is still on my credit and has caused my credit score to drop. I would appreciate your assistance in having this inquiry immediately removed. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Ive had an extraordinary with chase throughout the years, theyre my first and only bank, Ive never had or done any type of fraudulent activity on my accounts until this unfortunate situation. My account was hacked and my identity has currently been stolen, Ive recently reached out to identity theft. But chase please review this because i really love chase and hope for it to continue being my bank. I cant get into my account to send dates and amounts but one amount that was sent back was {$720.00} dollars I believe from XXXX XXXX XXXX, that the only way I saw was because they called me telling me this and by that time the account was already closed and I couldnt get in. Please Im literally begging to review this, in almost 6 years with you Ive never experienced any of this until now. Thankyou chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: VA

Complaint narrative:
I recently submitted a FTC ID Theft Report for charge-offs from various companies that did everything illegal pertaining to charge-offs being on my credit profile. Per IRS publication 4681 no canceled debt/charge-off should be published on a consumer 's credit report because it is considered income and income CAN NOT BE ON A CONSUMER 'S CREDIT REPORT. They were removed a month ago, now XXXX has published a charge-off from Discover Financial Services who did not send a IRS 1099c form breaking down the interest and the principal of what was canceled in regards to this alleged debt, so that I can report it properly on my taxes ... also no one from Discover Financial has informed me the federally protected consumer who's the victim of this blatant identity theft again after the first report was submitted, that they have a repurchase agreement for this alleged debt. I have no verbal nor written knowledge of Discover possessing that repurchase agreement and I never received the REQUIRED IRS XXXX form. XXXX is in straight violation of my consumer rights as stated in the FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt as well as REPEATING AN OFFENSE OF ID THEFT by re-publishing what is truthfully ID Theft, this is a hindrance on me mentally, physically and financially and is very unacceptable. XXXX as well as Discover have ID Theft on their hands and this is criminal per Title 18 U.S.C. please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bonneville Billing and Collections
State: WA

Complaint narrative:
My complaint is with Bonneville Collections Agency Inc at XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, ID XXXX. On two occasions this year, on being today XX/XX/XXXX @ approximately XXXX pm XXXX, I was threatened with legal action for refusing to give my employment information when I called to make a payment on the accounts the agency holds with my name on them. The representative who threatened me went by the name of XXXX, whom stated, " If you do not give us your employment information we will not set up arrangements with you and we will give the accounts to our attorneys who will take legal action. '' I made the payment with XXXX over the phone using my XXXX XXXX Card and ended the call. I called back and escalated to a supervisor who told me his name was XXXX, and he apologized for his employees conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
When refinancing my home there was a change to my impound amount at the close which caused a shortage in my escrow account. I reviewed the initial estimate which appears to have the correct amount compared to the closing document that has a lesser amount. I feel I was misled and signed a misleading document, I am now being told my escrow account is approx. $ XXXX short and am told I am responsible to pay for this. 

Additionally, my closing statement also does match the beginning balance of the escrow account with the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dishonest Bank very slow overcharges customers with fees just typical with all the banks.

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 monetary relief
Consumer complaint received 2022-10-17 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: TN

Complaint narrative:
There is Inaccurate Data that is reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I have spent most of the day trying to close my Paypal account. Paypal will not close my account because they say I must close my Paypal credit account. Which I have.closed. Paypal and Paypal credit are two different accounts..After a bunch of attemps with paypal chat, the chat person keeps telling me to ask Paypal credit what the problem is.I even copied and pasted a copy of my Paypal credit account page at thie Paypal credit web site that says my account is closed.They contiue to refer me back to Paypal credit. I want to have both accounts closed. I have closed the Paypal credit account and now want to close the Paypal account. Paypal has thus far refused to close my Paypal account. How do I get the Paypal account closed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: LA

Complaint narrative:
Again Equifax is governed by 15 USC 1681. After providing my vital information Equifax disregards my protected rights under 15 USC 1681 and continues to violate my rights over and over. According to the FCRA AKA 15 USC 1681 i never authorized Equifax to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report.

Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record Equifax or its agents never had my consent/permission to furnish such account ( s ).

Regarding this matter if Equifax continues to violate my rights please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to Equifax inaccurate/false reporting. Please attach if any an authentic signed contract where as i gave Equifax permission to report this account ( s ) mentioned herein as it will be used for my own and a judges inspection if this matter escalate to trail to contest these matters. 


XXXXDEPT OF ED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX ATTACHED- FCRA With section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$26.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief