vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: IN

Complaint narrative:
I was recently notified that AWA collections was trying to charge me for an account I do not have. I do not and have not ever had an account with them. Upon receiving the information, I was not notified properly of the information and was illegally put on my consumer report. With that being noted, AWA collections has violated my consumer rights and Id like this information to be immediately investigated and removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The balance you are reporting I owe is incorrect and doesnt match my records. The payment history doesnt match my records. The date opened doesnt match my records. The account status doesnt match my records. Nothing matches. I request that you verify the information and remove any inaccurate information from my credit report as quickly 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 2023-05-11 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-11 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-11 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: TX

Complaint narrative:
Someone in XXXX MA assumed my identity and opened a credit card in my name for {$12000.00}. All 3 credit reporting agencies were notified and I contacted them to remove the transaction associated with XXXX  XXXX XXXX XXXX  new travel card opened in XX/XX/2023. 

Now Experian has included the fraud person pretending to me in XXXX, MA, on my list of addresses. I have never lived in XXXX MA or had any associations there. 

This error may help the fraud person to get into my account or establish more credit in my name. The fraud address is XXXX XXXX XXXX, XXXX, MA. XXXX. It must be removed from Experian. 

In addition, my work history is incorrect.

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 2023-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I was approved for a grant through the Federal HAF program. My principal balance is only {$14000.00}. 
Midland Mortgage sent a message to Texas HAF that they required a payment of {$14000.00} to bring my loan current. HAF sent the payment amount of {$14000.00} that Midland Mortgage received on XX/XX/2023. Midland Mortgage refused to post the payment to my loan for 23 days. I made several calls and complaints to Midland Mortgage during those 23 days and repeatedly asked to speak to a manager but was never able to. Midland Mortgage finally posted the payment on XXXX, but are now saying that I still owe over {$9000.00} for my principal balance and that my loan is past due for 2 months!!!! Midland Mortgage has been charging me erroneous {$20.00} fees when they are not supposed to be charging ANY fees while my loan is under HAF review. Midland Mortgage needs to adjust my loan by waiving all late fees, erroneous " other fees '' and reapply the entire payment to my principal balance. The whole point of HAF is to help homeowners bring their loan current and help with 3 future payments until the homeowner is able to get back on their feet. Midland Mortgage has caused me and my family severe stress since I applied for the program back in XXXX. I just want my loan balance zeroed out and I will pay my own taxes and insurance at the end of the year. I want my lien released.

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 2023-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
I have an auto loan for a XXXX XXXX purchased new in XXXX of XXXX requiring XXXX payments of {$570.00} starting on XX/XX/XXXX. A XXXX final payment of {$570.00} was due on XX/XX/XXXX. 

I setup automatic Bill Payments through XXXX XXXX Account to be paid on the first of the month starting on XX/XX/XXXX. I have records for all automatic transfer payments made from the XXXX Account directly to Chase Auto Loan account # XXXX and all payments were made on time. This was verified many times since XXXX of XXXX to current by XXXX and documentation as proof of payment was faxed directly to Chase Auto. 

The loan has been paid in full as of XX/XX/XXXX with the final payment paid in person to Chase Bank in XXXX, Vermont. Record of all payments having been received has been acknowledged by XXXX XXXX XXXX as of a letter received dated XX/XX/XXXX. 

Chase Auto Loan refuses to remove late charges incorrectly assessed, accumulating to {$1700.00}. After getting no help, support, replies, or resolution through Chase Auto Customer Support starting in XXXX of XXXX and continuing to present, and having involved E-Trade as well to provide Chase Auto with proof of payments made by XXXX directly, and early every month to Chase Auto, the issue has not been resolved.

According to Chase Auto, they never processed a payment received by them on XX/XX/XXXX. Throughout over a year of contact with Chase Auto in XXXX and XXXX, their representative admitted that there were issues with their internal Receiving Department getting payments to their own Processing Department and likely that was the issue of why they claim they never received a XX/XX/XXXX payment. XXXX had the check presented for 60 days before it was finally stopped in XXXX of XXXX. 

At no time have I ever been unwilling to resolve this issue ; but, I am not willing to pay late fees that have should have never been assessed, nor is there any evidence on my end that shows that there were payments not received. My letter from XXXX XXXX XXXX and the documented XXXX payments from XXXX demonstrates this. 

Chase Auto Loan Customer Support is clearly not customer support. I need these erroneous charges removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I received a notification from XXXX that a collection account has been added to my account from a Affirm Inc for {$320.00} I never heard of this company nor have I ever received any letter or notification from this company about a debt being owed. I have no idea what this is for or if it is even for me,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Concerning Barclay Credit Card XXXXXXXX XXXX XXXX XXXXXXXX DE XXXX. XX/XX/XXXX unknown person gained access via internet to my Barclay credit card account and requested a cash advance of {$6500.00} to be deposited to a checking account at XXXX XXXX. Barclays was informed at that time and a fraud investigation was started. Card was closed. In XXXX the charge was still on my account so another fraud investigation was opened, second card closed. XX/XX/XXXX I was informed the investigation was still open and to wait. XX/XX/XXXX a letter was sent to my home stating the investigation had been closed because I confirmed it was my transaction. I never talked to Barclays nor did I tell them it was my transaction. I was not at my home when the letter came. In XXXX I again called about the charge and another fraud investigation was opened. At that time I notified and filed reports with XXXX, my local police department, the FTC.gov, and IC3.gov. and sent another letter to Barclays. XX/XX/XXXX XXXX sent my fraud packet to Barclays. On XX/XX/XXXX XXXX and I called Barclays fraud investigator XXXX # XXXX and he assured us that the case would be escalated and there would be an update 7-10 business days. XXXX and I called again on XX/XX/XXXX and fraud department said investigation had not been completed. A supervisor said he would call me back within 10 minutes with an update, he did not. This charge has been on my account for nearly 9 months with no resolution. In XXXX I was told 90 days or two billing cycles and the charge would be removed. I have written letters, called repeatedly, have not been able to use this card, high rate interest is accruing, and my credit score has gone from excellent to poor. I refuse to pay this because it was theft from someone I do not know. Please help me. Barclays is doing nothing. I can send any information you may need concerning this matter. 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 monetary relief
Consumer complaint received 2023-05-11 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: NY

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. U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
This portfolio recovery associates? They are a debt buyer. They not once notified me of them buying the debt, they also have changed the dates of the original debt and placed back on my credit report. The account was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX XXXX, XXXX  the merchant XXXX issued me some refunds in the amount of {$99.00} {$49.00} {$69.00} {$4.00} {$9.00} {$59.00} {$49.00} {$49.00} {$99.00} {$1.00} {$9.00} {$49.00} = {$550.00} on XX/XX/2023 my checking account was closed and Im trying to contact the bank via email and phone calls and all they tell me is my account is closed nothing about my funds that were refunded to me by the merchant. I need my money and when will I get it. Then on XX/XX/XXXX XXXX the merchant also issued me a refund for the amounts of {$19.00}, {$9.00}, {$1.00}, {$4.00} and on XX/XX/2023 are {$24.00}, {$24.00}, {$39.00}, {$39.00} a total of {$160.00} but my bank account is closed so where is my money at or whats happening to it and they wont provide me with no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I received a call this week from another financial firm attempting to foreclose on my house while it's tied up in divorce court in XXXX ( since 2016 ), index XXXX. The debt is not mine- it belongs to XXXX XXXX XXXX XXXX who stopped paying his mortgage at the time of commencement of this divorce. He is in contempt of automatic orders. XXXX XXXX has at the same time paid his attorney XXXX XXXX over {$200000.00} to tell the court that he has no money and can not pay his mortgage. Therefore, he and his attorney have committed perjury. 
Numerous accounts have been found in XXXX XXXX 's name that were not disclosed to the court when the misstatement was made about XXXX XXXX 's financial condition, to Judge XXXX XXXX. 

I do not know why I am at risk of losing this asset, as I made the downpayment and am not on the note. 

XXXX XXXX has been ordered by the court to pay his share of the mortgage, which is actually 100 %. The judge does not seem to be aware that XXXX XXXX is in contempt of automatic orders. 

My downpayment was used to purchase this house, XXXX XXXX XXXX, and I had to pay XXXX XXXX twice to keep the house from being sold at auction during the divorce, despite the fact that XXXX XXXX  refused to talk with me because I was " not on the mortgage ''. 

I do not understand the law in the United States. 

My attorney is confused by the new threat of foreclosure, as well. 
His name is XXXX XXXX. 

The attorney who stated that the house is in pre foreclosure currently is XXXX XXXX, XXXX. 
XXXX XXXX made the following statements to me on the telephone yesterday : " The underlying debt is not paid. 
The current holder of the mortgage is able to foreclosure. 
They filed a complaint with the land court on friday. The divorce has no impact. Sale proceeds go to the borrower ( XXXX XXXX XXXX ), not to me. 
The attorney said. Im not a borrower so she cant tell me anything. 
The bank is Nationstar mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received another correspondence from your Transunion dated XX/XX/2023, indicating that the investigation of my disputes was complete. As of date, Transunion and their nonaffiliated 3rd parties are still WILLFULLY violating the Gramm Leach Bliley Act pursuant to 15 USC 6802 by sharing my nonpublic personal information WITHOUT my lawful consent! To be clear, I NEVER requested an investigation because I NEVER GAVE Transunion or their nonaffiliated 3rd parties any lawful consent to share my nonpublic personal information! Transunion responded alleging that the accounts in reference in my statement letter attached to this complaint were verified but Transunion did not provide me a copy of the investigative consumer report as defined by Congress pursuant to 15 USC 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. Such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. The FACT that pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ) no provision under the Fair Credit Reporting Act requires a financial institution to furnish negative information CONFIRMS that Transunion DEFAME MY CHARACTER AND RUINING MY REPUTATION! Due to defaming my character and ruining my reputation, I am not even allowed to open a bank account due to the bank telling me that I am high risk due to over 16 soft inquiries on my credit report. Let it be known that not only are you violating the Fair Credit Reporting act but also violating the Gramm Leach Bliley Act for infringing on my privacy and sharing my nonpublic personal information without my consent! I have already provided my FTC report with the inquires that Transunion needs to remove. And yet Transunion is still infringing on my privacy and sharing my nonpublic personal information without my consent! I am under a lot of pain and suffering, lack of sleep and have high anxiety due to stress that Transunion has put on me to the point that I have loss the enjoyment of life!

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 2023-05-11 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: CA

Complaint narrative:
As it is any and all credit reporting agencies like XXXX and Experian grave responsibility to report accurately as the banks depend on it in which they have not. ( 15 U.S. Code 1681 ( a ) ( 1 ) ) As shown on my credit file XXXX and Experian is reporting false names and addresses on my report. As the natural person I only have one address and one name in which any and all credit reporting agencies must only report. The name that is to be ONLY reported shall be XXXX XXXX XXXX. The address to be reported shall only be the po box only on that is reported on Experian in which for some reason is not reported on XXXX which is further proof of inaccurate reporting. 
Per 15 U.S.C. 1681 ( e ) ( b ) a consumer reporting agency MUST prepare my consumer report with reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have clearly stated in writing that they must only report in accordance with 15 U.S. Code 1681 ( b ) ( a ) ( 2 ) as they must only report my only name and address I have. I do not go by any other name and can not and do not live, and never lived any place else than my P.O listed on my credit file.

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