vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this 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 credit score 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 XXXX 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 three 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 XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act ENHANCED RECOVERY CO L. 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. 

This is my XXXXrd time trying to get this debt removed from my credit report. 
On XXXX XXXX. Enhanced Recovery CO L was removed from my XXXX  report without it being also removed from my XXXX Report. 
Attached is an Identity Theft FTC Report and well as your removal from XXXX. 
Please remove this from my XXXXXXXX Report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am a victim of identity theft and there are several fraudulent accounts that continue to report on my credit file. I have requested validation as well as verification from XXXX and they refuse to provide. I have attached my identity theft report to this file as well to remedy these inaccuracies as they are Also, XXXX and the data furnishers have violated my rights per the following, 15USC 1681 Section 602, 15 USC 1681 Section 604 and 15 USC 1666B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage has recently been transferred from XXXX XXXX XXXX to RightPath Servicing. XXXX XXXX XXXX received proof of property insurance from me on XX/XX/22 and again on XX/XX/22. I sent proof a second time due to XXXX XXXX claiming I havent provided them with proof of insurance. 

On XX/XX/22 RightPath Servicing made the claim, to me, that they did not have proof of current property insurance and threatened to place insurance on my property and charge me for it. On XX/XX/22 I emailed proof of property insurance to RightPath although they should have received the proof of insurance from the previous servicer, XXXX XXXX XXXX 
On XX/XX/XXXX, received XX/XX/XXXX, RightPath mailed me a letter still claiming to not have proof of insurance and threatening to purchase insurance on my behalf. I have now emailed my insurance policy to RightPath twice, again on XX/XX/22, and ask that you hold them accountable for attempting to fraudulently charge me for insurance I already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TX

Complaint narrative:
So I sent a letter off to Experian on XX/XX/2022. My tracking number is XXXX XXXX XXXX XXXX XXXX. I also sent a letter to XXXX on XX/XX/2022. My tracking is XXXX XXXX XXXX XXXX XXXX. I have contacted them to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. According to 15 USC 6802, no financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
In XXXX of XXXX I went into forebearance with Freedom Mortgage. During the time I was in forbearance I was given information from Freedom Mortgage to apply for the XXXX  XXXX  assistance program. I applied for the program as soon as I received the information. I'm not sure of the exact date that I applied. My forbearance was due to end in XXXX and I still hadn't received an approval or denial from the XXXX  XXXX  assistance program. I explained this to Freedom Mortgage that I was waiting still waiting to hear from XXXX  XXXX  assistance. I was told about other options that I could do, but it wasn't explained that it would be one or the other. I was told that I had to accept the partial claim by a certain date. I wasn't aware that if I received the partial claim that I couldn't receive the XXXX  XXXX  assistance. I signed the papers on XX/XX/XXXX for the partial claim under the impression that if approved for the XXXX  XXXX  assistance it would pay the balance for me. I was approved for the XXXX  XXXX  assistance less than a month later after signing the papers. XXXX  XXXX  assistance sent a payment of XXXX, XXXX to Freedom Mortgage. This amount would have covered the XXXX, XXXX that I owed plus pay for an additional three months of my mortgage. I was then told by Freedom Mortgage that the money would have to be sent back because I had received the partial claim. I made my first payment in XX/XX/XXXX and my second payment in XX/XX/XXXX. I explained to Freedom Mortgage that if they had explained to me that I wouldn't be able to receive the XXXX  XXXX  assistance money if I accepted the partial claim I wouldn't have signed anything until I had received my approval or denial. I was told by more than one employee of Freedom Mortgage that there has been customers in my same situation and the modification was reversed. I spoke with several people at Freedom Mortgage and everyone of them told me something different. I was to that my situation would be sent to the escalation department to be reviewed. I was also instructed to send a message in the message center requesting that the money be held until the situation was handled. I did send a message requesting that the money be held. Instead the money was sent back anyway. Now I have a lien on my property that still puts me in a financial hardship. I contracted XXXX in XX/XX/XXXX and I haven't been able to return to work since due to health issues caused by XXXX. I have not missed a payment on my mortgage since I've been in my home. Now I'm in a situation beyond my control and I'm being penalized for it. Freedom Mortgage mislead me in this entire process.

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 2022-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I made a promotional purchase using a Synchrony BankXXXX XXXX XXXX XXXX XXXX and paid it off in full on the last day of the promotional period XX/XX/2022. All interim payments were made on time. I have written confirmation that the balance was XXXX. The account was closed on XX/XX/2022 so no further purchases could be made. However, a {$370.00} mystery charge showed up on the account in XXXX. I called and Synchrony said it was for credit protection and agreed to refund the charges. After the refund, there was still a balance and tI received more late notices. I called again and talked to a supervisor that said it was because the credit refund for the promotional purchase was done incorrectly. They agreed to dispute it internally, after which I received a credit for {$24.00} which still left a balance that I don't know what it actually consists of. After multiple phone calls and chats on their website ( over 4 hours of phone time altogether ), they are reporting me as late to the credit bureau, damaging my credit score. In the XXXX, while they say I am correct and it should be a XXXX balance, they have only given me multiple small refunds that still leave a {$110.00} balance and can not tell me if or when it could be resolved. In order to save my credit score I may be forced to pay a balance I don't owe.

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 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX, XXXX 2021, I was defrauded of {$450.00} on my Chase XXXX card by XXXX XXXX XXXX ), an online travel agency. 

I used the XXXX card for air travel reservation through XXXX for my wife and I to fly from XXXX, XXXX XXXX, to XXXX, XXXX. After entering the required purchase details, its web site simply said : Received your payment and closed. The merchant charged {$450.00} against my card, but didnt produce any booking -- no reservation number, no electric tickets, no seat numbers. Nothing came through my e-mail. I waited for two days to see if the merchant would respond. Meanwhile, I also struggled to reach XXXX through its local XXXX XXXX and international contact details. 

When that failed, on XX/XX/2021, I contacted Chase Card Member Services to dispute the charges of {$450.00}. Initially, Chase card had obliged and removed the charges from my account, but reinstated the charges later after the merchants protest. 

Finally, I am an experienced international traveller and have been a bona fide XXXX Card holder for over a decade. This is my first complaint and, as to a customer, I always thought my word in this dispute would weigh more than XXXX. Regrettably, however, Chase Card has chosen to take at face value the word of the merchant who defrauded me. Further, while the amount of {$450.00} may appear small and insignificant, it must be recovered because it is criticall important to deter other would be international financial piracies of this nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have had my federally protected consumer rights violated by TRANSUNION on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. TRANSUNION has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included 3 notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Someone opened a Bank of America account in my name. I have called three times to have it closed, but I continue to get monthly statements that the account is open.

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 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Friday, XX/XX/2022 I went to the Chase branch on XXXX in XXXX, CA to apply for the Chase Sapphire XXXX Credit Card. I had an appointment to meet with a banker, as I learned that if I applied in person, the bank would waive the first year fee. The banker was very helpful, walked me through all the signatures needed, and confirmed the rewards profile on the card that I applied for. 

After returning home that day, I logged onto my mobile banking app and immediately noticed the card featured was the free XXXX card which I had no interest in applying for. I immediately spoke with the bank. The banker spoke to her manager, and offered me two options : either close this account and apply for the new card, or apply for the additional, correct card. They reported it was impossible to simply switch the cards over. I asked for the documents, to ensure that I had signed up for the correct card ( perhaps the mistake was mine ). On XX/XX/XXXX, The banker said she would find a way to get me the documents ; I still am waiting for these ( 3 months later ). 

I have filed a complaint with the escalations department shortly after. The banker reportedly sent her email to the escalations department on XX/XX/XXXX, however after talking to the escalations department representative on XX/XX/XXXX she requested another form from the banker and her manager. I left multiple voicemails to the banker requesting an update. I emailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking for an update ; the only response was on XX/XX/XXXX, reporting she would reach out the escalations department. I still have never heard back. 

I am growing increasingly frustrated with the breach of contract on the bank 's behalf. As I said before ; I requested documents to ensure that I did not sign any documents erroneously- but the banker has not assisted me, and is now ignoring my requests. The bank is also inherently difficult to reach to even speak to a manager. My request is simple - I would like to have my XXXX card switched to the card I signed a contract for- with the initial spending reward reset.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 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:
The company is basically saying that the information is accurate on my report when there are unauthorized charges that I never authorized so I'm putting in another dispute. According to the Fair Act Crediting Law if someone is a victim of identity theft and they're reaching out to the bureau 's regarding unauthorized charges the information should be removed. XXXX XXXX Bank opened my dispute XX/XX/XXXX and got a response back it was accurate and its not. XXXX XXXXXXXX opened XX/XX/XXXX also stating it is accurate, and that is incorrect. Lastly XXXX XXXX, I did not authorized or applied for these credit cards and loans and again would like it removed.

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 2022-07-26 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 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 credit score over 719XXXX has me at a score around 590. 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 three 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX 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 2022-07-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this 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 credit score over 719XXXX has me at a score around 590. 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 three 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation