vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I previously disputed the phone transfer costs with XXXX and XXXX XXXX XXXX XXXX The dispute was successful and all collections were removed. The collection company was XXXX XXXX XXXX XXXX XXXX XXXX The collection was officially removed XX/XX/2021. Since then it has been sold to a company names Receivables Performance. This is a duplicate of an item previously disputed and should be removed from my credit.

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 2023-01-06 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2023-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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

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 2023-01-06 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I been reaching out to the company regarding a late payment from 2017 and was told by XXXX XXXX that paperwork will be sent out regarding removal. I never received paperwork so I sent a letter to the complaint department twice via certified mail and of course I got no response. I tried disputing it through the credit bureau and it just stay in pending and then a letter come out saying unable to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
XX/XX/2022 - I was in the XXXX store and the girl at the check out line started asking me personal information while I was trying to purchase my items. I don't remember them asking me if I wanted to apply for a card. I told her numerous times that I was uncomfortable with her asking me for my address and my social. I asked her why she was asking me for the information and I didn't think what she was doing right. She made me feel like she couldn't complete the transaction without the information, so I gave it, but I repeatedly kept telling her I didn't like it or think it was right. A few days later I received a denial letter in the mail and it scared me so badly, because I have had fraud before. I am now very uncomfortable using this 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 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citi closed my checking account on XX/XX/2022 due to suspected fraud. The account had been open a little over a week. The account had $ XXXX in it at the time. I attempted to make an XXXX XXXX purchase to a merchant and it was marked as fraud. An agent from the fraud department called me and I confirmed the transaction and I was successfully able to process the transaction. I then attempted to make another XXXX XXXX purchase with the same vendor and it was once again flagged for fraud when I called back again, they told me that they decided to end the relationship with me. Prior to this, this account was only used for incoming transfers from my external bank account and paying credit card payments. This was all the money I had, and I will now fall behind in all of my bills, waiting XXXX to XXXX days for my money. There was no fraud on this account whatsoever. I called a branch and they were also unable to help due to the notes that they viewed on the 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 explanation
Consumer complaint received 2023-01-06 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: PA

Complaint narrative:
The following has been reported on my credit report without written consent. On XXXX XXXX, XXXX XXXX  Credit Union reported XXXX XXXX XXXX XXXX XXXX  dollars. They also reported XXXX XXXX XXXX dollars on on XXXX XXXX. On XXXX XXXX, XXXX reported XXXX XXXX XXXX XXXX XXXX dollars. On XXXX XXXX, XXXX XXXX reported XXXX XXXX XXXX XXXX dollars and XXXX reported 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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN has me paying {$24.00} to monitor and give updates on my credit only 9 times out 10 when your alerted of some sort of activity concerning my credit report theres nothing ever truly there to speak of. I have had 2 incidents where someone tried to use my name to open business accounts. When I asked who what when where these things were these things were occurring they could only show me at what bank this occurred at. If someone is trying to open an account anymore would want to know who did the transaction, what city and state and what location. They could offer none of the above so what am I paying for? I consistently get alerts that lead to nowhere. I could give you 20 incidents of nonsense but I would be here all day. This site wont allow me to check multiple infraction boxes.

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 2023-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: CA

Complaint narrative:
I have a XXXX XXXX XXXX XXXX XXXX XXXX loan which has been transferred to SST. The original terms of this loan is I would be lent {$4000.00}, {$2000.00} which goes to me immediately, and the other {$2000.00} into a savings account which I can access after paying off the loan. I've paid off the loan TWICE on XX/XX/XXXX which they then added an additional {$80.00} so it wasn't paid off, and then again on XX/XX/XXXX. I've asked how I can access the {$2000.00} in the savings account and no one can give me a straight answer. I've called everyday since XX/XX/XXXX and emailed a handful of times with no luck. I want my {$2000.00} that is owed to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: NC

Complaint narrative:
Attention : Experian credit Bureau And XXXX Credit Bureau : I am providing the additional Information you requested. 

This is my XXXX complaint where you have continued to ignore the identity theft report and is making me jump hurdles to Get this fraudulent information off my credit report. 

Per your request I am providing the report Number and the law enforcement contact information of the identity theft report. 

Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian and this complaint includes The additional information you requested.

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 2023-01-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # 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

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage incorrect reported mortgage payments. Our mortgage payment is made every month like clockwork. They reported to the credit bureau that we had not paid for XXXX XXXX & XX/XX/. That is 100 % false and now hindering us from getting a Home Equity Line of Credit on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I received a CARES Act Forebearance on my mortgage and the forebearance ended according to Carrington on XX/XX/2022. Now that the forebearance has ended, Carrington is asking that I pay all missed payments during the time my loan was on CARES Act forebearance immediately. Carrington is threatening me that if I don't pay they will take away my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX aquired my information from SYNCHRONY BANK without my consent and the original contract with my signature. This account was opened in XXXX and in XXXX it makes XXXX years to be deleted but its still on my account in XXXX. I have wrote certified letters to each bureau and nothing has happened.

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 2023-01-06 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We were unfairly reported as delinquent on our mortgage in XX/XX/XXXX. The delinquent payment was a result of technical issues with Shellpoint 's automated payment systems. Finally on XX/XX/XXXX, Shellpoint sent an apology letter to us acknowledging the technical glitches we experienced with their systems and stating that they would send an XXXX XXXX XXXX form ( AUD ) to the credit bureaus altering the report for XX/XX/XXXX from Delinquent to " No Data. '' Shellpoint had instructed us that we could follow up directly with the credit bureaus to ensure the AUD was accounted for. This information can be seen on XXXX XXXX of the attached apology letter sent to us. Around XX/XX/XXXX, XXXX days after the date of Shellpoint 's apology letter, I followed up directly with all the credit bureaus as instructed by Shellpoint and all the credit bureaus had in fact received and processed the AUD from Shellpoint as promised and all our credit reports were at that time reporting as " No Data '' for XX/XX/XXXX as expected. 

I thought this was the end of this saga, but at the end of XX/XX/XXXX, I noticed once again that all the credit bureaus were again reflecting XX/XX/XXXX as delinquent. I inquired with XXXX and was told that Shellpoint sent another update again reporting XX/XX/XXXX as delinquent AFTER the AUD in XXXX and this is why my credit report was once again showing the delinquency. It serves no purpose for me to follow up with the credit bureaus yet again about this if Shellpoint is going to come behind me each time and again report us delinquent for XX/XX/XXXX once the credit bureaus have already processed any AUD. 

I am offended that an apology and update was sent out to us by Shellpoint and yet once again I am back to square XXXX many months after the problem originally arose in XX/XX/XXXX. It is now XX/XX/XXXX and I'm back to the drawing board!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Please see the prior compliant : XXXX XXXX. The bank is not able to find the data of why this is causing a hold on the 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 explanation
Consumer complaint received 2023-01-06 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: OH

Complaint narrative:
I have several hard inquiries on my credit report, due to fraud and identity theft. The hard inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 2023-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I bought a used car which started out being {$12000.00} with {$3500.00} down payment so wouldn't that mean that the financing price would be XXXX but that wasn't the case I've had it XXXX year starting balance for finance is {$23000.00} and owe {$16000.00} thats not right and know one seem to understand me but if they come get it ill owe them the remaining balance so either way I'm still n debt and the sell price is like {$5600.00}. Blue book price

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 2023-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX I opened a checking and savings account with proceeds from a lawsuit that was handled by XXXX XXXX XXXX XXXX. Both accounts along with direct deposit for my monthly social security payments were opened by personal banker XXXX XXXX. The check from the lawsuit was XXXX. I deposited {$30000.00} into the new savings account. I was given {$10000.00} cash per my request and the remainder was deposited into the checking account. My direct deposit was established to receive social security payments on the same day. As of today, I still have the checking account and direct deposit. I deposited the {$30000.00} into the savings account for safe keeping. Although, I was initially skeptical about banks, I trusted Chase Bank to do right by my money. After I deposited the monies into the accounts, I withdrew {$2000.00} from the savings account and never touched it again as I wanted to keep it. In the last few months, I have gone to the bank to inquire about the savings account, and I was informed that there was no savings account initially. After demanding a bank teller to provide bank statements, I only received XXXX statements that did not make mention of the savings account. I was told on multiple occasions that I never had one. After several complaints in person and on the phone ( My daughter XXXX XXXX ) even spoke to the corporate office and was given information that I have the accounts, including the savings account, but the money was gone and the account was closed in 2013. They notified me on the phone that someone ( they didn't know who ) had withdrew the money on a monthly basis until the account was closed. I informed them that it was not me, but they blamed me for the missing money stating that I should have contacted the bank. I tried to explain that I put the money in the account for safe keeping. They refuse to investigate to find the theft or fraud and who did it and how it was done. I have lost {$28000.00}. Please help me. They validate that I did have a savings account but don't know or refuse to investigate who stole the money and how it was done and they blamed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax not to be rude but I thought in my previous communication with you I made it very clear that Ive suffered from XXXX XXXX XXXX and should not be under any such stress I don't know any other way of convincing you of this except to show you the letter of warning I received from my doc which will be included in this communication. 
Once again it was brought to my attention that there appears to be a listing on my report that is unidentifiable from someone called XXXX XXXX XXXX, XXXX as a matter of fact, when I examined it I noticed under " type ' there is no info and under 'original creditor ' no info. This is unacceptable, I know you've been busy and im just trying to survive.

Company response to consumer: Closed with explanation