vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 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: MO

Complaint narrative:
I am a single mom and I want my credit report to be fair, I recently got out of the hospital due to stress upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 


I have the right to privacy In accordance with the Fair Credit Reporting act : XXXX  Account : 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 Thank you very much

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a joint personal checking account together with my husband. My husband incurred credit card debt with Bank of America Business credit card. Between XX/XX/2022 and XX/XX/2022, Bank of America seized a total of {$2800.00}, from our joint personal checking account using the Description " XXXX XXXX '' The bank informed us that they had done so to satisfy the amounts that my husband owes to the business credit card. however the money that they seized were from funds deposited by me from paychecks I had received from MY JOB and did not belong to my husband. Bank of America has never even obtained a judgment against my husband and bank of America had no right to seize my funds from a personal account to satisfy a business credit card belonging to my husband.

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 2022-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery is violating my consumer rights by furnishing inaccurate information to XXXX that is not even on my XXXX or XXXX. This defamation of character has led to me being a victim of unfair, abusive, and deceitful debt collection practices. On XX/XX/XXXX I sent Portfolio Recovery a letter to comply with 15 USC 1692g and they have not. I am enclosing a copy of the letter I sent to them, a copy of inaccurate information furnished to consumer report and a copy of my drivers license as proper identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
They have given me enough mental torture as of XX/XX/2022 one of Executives on recorded line said after submitting affidavits I will get my money back now they are not honoring their own words Im tired of their tricks and I swear under oath they were fraud unauthorized XXXX transactions as of XX/XX/2022 please help me.

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 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: MI

Complaint narrative:
I didn't open account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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

Complaint narrative:
I am not live in XXXX since XX/XX/2020, and l received an email from Barclays Bank told the XXXX XXXX XXXX XXXX payments is due, but l never received the new Credit Card ending XXXX, someone stole my Card and use it! 
I can't log in my account to see any my information, the username and password being changed by the thief, there have no any others way to reach the Bank, only by phone call which cost lots of my money international call. 
I did call to the bank, tell them what happened, they should protect my right and make things right, that's their fault to let others people using my card without any securely protection ; customer representative ask me fax my XXXX kind ID to office fax number XXXX, they will put my case in the investigation I fax those ID at XXXX, And fax again at XXXX. 
but l still keep reciving many email asking me to pay the payment. 
Please help me get out this bad issue and get my Credit score back. 

Sincerely with my respect XXXX XXXX XXXX XXXX Ps : *The billing address was old ( XXXX XXXX # XXXX XXXX XXXX Ca XXXX XXXX ) l can't log in to my online account to put my new billing address ( XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) * * If need any more information from me, please let me 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 monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I had a Mortgage for more than XXXX years with XXXX XXXX XXXX, the XXXX of XXXX my mortgage was tranfered to Select Portfolio Servicing Inc. XXXX. I have been working with The Va Mortgage Assistance Program to help keep my account up to date. My job was severely affected by the outbreak of XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX. VA Mortgage Assistance Program has been great! for the last XXXX months they have [ along with myself ] tried to reach out to them to simply get the amount of past due payments in order to send the fund to their company but they will not respond. The State of VA calls XXXXtimes per week and i call more than that. I have spoken with numerous people but nothing has changed. My family needs whatever help you may be able to offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My Mortgage should have been paid off in XXXX. We started paying on XX/XX/XXXX at {$230.00} for 300 months.The original mortgage company was XXXX XXXX, now it is Shellpoint.. The summer of XXXX we called Shellpoint and asked why we still owed {$8000.00} and they could not tell us why we still owed. They will not call back, or send us a bill. They have not sent a bill since XXXX but still charging {$240.00} monthy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TX

Complaint narrative:
There are accounts in my report that are completely unknown to me. They are reporting inaccurate and outdated data that should not be on my report. They are violating my FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
This is a medical debt, starting XX/XX/XXXX this debt will have to be removed as it is below the {$500.00} threshold. I am hoping you will request that they remove now since we are so close to the XXXX of the year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
Crypto.com allowed to transfer my money using digital wallet to XXXX XXXX XXXX XXXX  and it is crypto scam. Crypto.com knew that the digital wallet was suspicious and belonged to crypto scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: AL

Complaint narrative:
I submitted a complaint with the CFPB on XX/XX/2022 concerning a collections account on my credit report with XXXX XXXX XXXX and it is now XX/XX/2022 and I haven't received a response. According to the FCRA ( B ) Time of notice ( i ) In general, The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title. This is a violation of my rights as a consumer. Additionally, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX nor its affiliate company XXXX XXXX XXXX XXXX are not licensed to collect debt in the state of ALABAMA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XX/XX/XXXX i sent my affedavit to the credit bureaus and by XXXX XXXX i got a response that it was verified as mines. notices from transunion and XXXX. but i know under FCRA rules that investigation wasnt reasonable, and my affadavit was not forwarded to XXXX XXXX. so now XXXX vary confused as to what to do next. i cant be responsible for something thats not mines.

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 2022-11-16 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 Original Creditor Name : XXXX XXXX TX, XXXX XXXX XXXX # # # # # # # # # # # # XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # # # # # # # XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX Original Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX xxxxxxxxxxxx XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX  XXXX Original Creditor Name XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX xxxxxxxxxxxx XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, Original Creditor Name XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX. Section XXXX. A states I have the right to privacy. 

XXXX U.S.C XXXX section XXXX A section XXXX : it also states a consume 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 2022-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
i am an XXXX XXXX XXXX XXXX  credit acceptance came on federal government property and repossessed vehicle while i was XXXX violating the service member civil relief act. company marked credit reports as a repossession.

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 2022-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: AR

Complaint narrative:
On XX/XX/XXXX, My XXXX XXXX XXXX daughter opened the door and was handed a paper. When she asked what is it he said he is unsure and left without a signature or verification of whom he handed the paperwork to. I looked at the paperwork and it says I am being sued by a debt collector I never heard of before Jefferson Capital Systems and an attorney named XXXX XXXX XXXX. Suing me for a XXXX XXXX  that was wrongly taken out of my possession in XXXX from XXXX XXXX XXXX. My truck was paid off, I spoke to a rep that clearly stated I paid over XXXX for the truck and she didnt know why they were saying I still owed payments, There were payments missing and no one could explain where my money was going. I requested that they review my phone calls for each time I called in to make a payment. She said she would email me some paperwork showing the truck had been paid off once, and then payments just disappeared. Once I received the email and tried to reopen it to save it, it was no longer available, and a few days later I walked outside and the truck was gone. When I called them they said I would have to pay over XXXX to get it back. This company completely ripped me off, stole money and truck from me. Each time I tried to call them after that I would always be placed on long holds and no reply. I never heard from them again. Now almost 4 years later this collection agency that I have never received any communication from is trying to sue me over a janky company that steals money from people. I wasn't able to verify or validate anything before they decided to sue me. I don't know if they are able to legally collect this alleged debt or if they are trying to steal from me like XXXX XXXX XXXX. I feel completely violated and harassed and this doesn't look good on my profile. Debts are supposed to be validated and verified BEFORE they are allowed to sue you, according to new laws they aren't supposed to try to collect at all. They are not the original creditor and just trying to find a way to get money off of a scam. They didn't properly reach out to me beforehand because they know this debt is not owed and tried to find a illegal way to obtain money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: CA

Complaint narrative:
XXXX case # XXXX and XXXX Attorney General of Texas. Under 15 US code 1681 ( A ) and 15US code 1681 ( I ) ( 5 ) this account is vialation not reporting 100 % accurate is list the child support court as the funnisher thats forgeny and misleading when the court dont report this type os account. under 15US code 1681 ( B ) permissible puposes of consumer reports. I never gave you any written consent to report anything on my consumer report no consent is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX Account number 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 A Section 604 A Section 2, also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: MS

Complaint narrative:
I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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 2022-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
A check from my escrow account was issued by Rocket Mortgage Account # XXXX but not received my my Mortgage Company XXXX Policy XXXX. XXXX is going to Expire my Home Owners insurance due to nonpayment on XX/XX/2022 I have talked to Rocker Mortgage about this problem and have asked to stop payment on this lost check and issue a new check and was told that it was a bulk payment and could not be done. I need help with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My company leased this vehicle on XX/XX/XXXX with myself as the guarantor. I later found out that I was frauded on the loan and reached out to the company with a notice asking for the debt validation and verification on XX/XX/XXXX, which they received XX/XX/XXXX. I did not here anything within 30 days so I sent out a XXXX notice opportunity to cure on XX/XX/XXXX, which they received on XX/XX/XXXX. Again, I didn't receive any response which triggered some stress relating symptoms with my body. I then sent out the XXXX Notice as a non compliant noticer on XX/XX/XXXX which they received on XX/XX/XXXX. On XX/XX/XXXX they finally wrote me back referencing that they have received my complaint. On XX/XX/XXXX, they sent a letter via XXXX XXXX XXXX updating that they were returning my invalid payment. On XX/XX/XXXX, I mailed them the following. 
1. Initial Affidavit : XXXX & XXXX of XXXX 2. Notice of Dispute 3. 2nd Notice of Dispute : Opportunity to Cure 4. Non Compliance Notice 5. Drafted XXXX XXXX XXXX XXXX of XXXX 6. Drafted XXXX Tort Damage claim XXXX. XXXX XXXX. XXXX XXXX XXXX. Notification of XXXX XXXX XXXX. Hold XXXX and XXXX XXXX XXXX. XXXX Notice XXXX. XXXX Mail XXXX XXXX Receipts XXXX. XX/XX/XXXX XXXX from Chase XXXX. XX/XX/XXXX XXXX from Chase via XXXX XXXX XXXX XXXX. Drafted Criminal Complaint XXXX. Drafted Subpoena

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have an auto loan with Ally Financials. Ive fallen behind on payments but have always tried my best to pay something. On XXXX separate occasions, Ally violated the law. Ally financial contacted a family using their skip tracing method to get in touch with me/my husband. I called to let them know to stop because they dont know if the person they are reaching out to us is an ex-family member or not. Ive called on XXXX separate occasions to ask them to only call the number listed on the account and no more skip tracing. Today Ive had enough. They called someone else again, not an authorized person on the loan. 
- XXXX instance - XXXX instance XX/XX/2022. 
- XXXX instance XX/XX/2022. 
- XXXX instance XX/XX/2022.

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are accounts in my report that are completely unknown to me. They are reporting inaccurate and outdated data that should not be on my report. They are violating my FCRA.

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 2022-11-16 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:
There are accounts in my report that are completely unknown to me. They are reporting inaccurate and outdated data that should not be on my report. They are violating my FCRA.

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