vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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: NY

Complaint narrative:
XXXX XXXX Bank reported late charges in XX/XX/XXXX for XXXX and XX/XX/XXXX and XX/XX/XXXX for XXXX and XX/XX/XXXX. Both times this was due to issue with XXXX. In both cases XXXX removed an incorrect charge, and then the late fees assessed by XXXX were appropriately removed. As such my record continues to show NO payment made by me to XXXX XXXX XX/XX/XXXX, and my balance paid in full since such date, with NO current balance, NOTHING due by me, etc I disputed the XX/XX/XXXX and it was removed from my credit reports ; then I disputed the XX/XX/XXXX and it was removed but the previously removed XXXX re-appeared!! I disputed that and then the XX/XX/XXXX re-appeared and remained the XXXX one showing!! What kind of sick game is Experian and the credit bureaus playing with peoples lives here???! I have perfect payment history ; No late fees ; no late payments ; accounts paid in full. Incorrect charges and therefore inappropriately assessed late fees were removed. WHY am I being penalized for that???

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 2022-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Sent notice of billing errors via certified mail with return receipt XXXX XXXX To Capital One credit card request an investigation into billing errors and the use of my social security number. Also see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX a charge appeared on my capital one XXXX for {$4100.00}. I Paid the entire bill including some other small charges thinking my husband made the charge. Then next day I realized it was an incorrect charge, I immediately called capital one to dispute it. I also disputed several other charges for {$28.00}. The credit card co later found I had already disputed the {$28.00} charges and was credited for them so they reversed the second credit. At the time of the dispute the person I spoke with told me I would have to wait 3 months to get my {$4100.00} back unless the company responded. A month later I called to see the status and I was told a check could be issued. I never received the check so I called again and was given a different story. Now 3 months later I am told I have to still wait because the {$28.00} charges were not settled. The two disputes have nothing to do with each other and the {$28.00} charges were settled they charged them back to my account. Now they want me to wait until XX/XX/XXXX and then they will review it and possibly get back to me by mid XXXX. This is absurd. I have told them the charge was an error and the company was aware of it. It was paid by a different credit card. capital one should not hold my money for so long. I would like this amount plus interest returned immediately. Every time I call I get a different story. They now tell me that I could have had that money returned within a couple of days if I had asked for it. I did ask and was told it would take several months. Because I did not use the exact terminology they are getting away with this on a technicality.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29 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:
I have disputed the improper use and reporting and nothing was updated or corrected

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 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$1100.00} / XX/XX/2021

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 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AZ

Complaint narrative:
I was contacted by Franklin Service , INC in XX/XX/2022 and was spoken to very rudely asking for my personal information. I inquired who was calling and the caller hung up, I received several more calls that went the same way over the next four weeks. 
I was able to speak with someone after the ninth time that I was contacted and was informed that they were collecting a debt on behalf of XXXX XXXX. 
I informed that person that I spoke with that I had never had service with XXXX XXXX and they simply stated, " ok '' and they hung up. I have never received any information other that the harassing phone calls. 
On XX/XX/XXXX, XXXX my credit report was updated with a collection account from Franklin Service , INC and it is FRAUD. 
I contacted XXXX XXXX and they went through their data base and informed me that they could not find any record of me having an account with them past or present. They informed me that Franklin Service INC was not an authorized collection agency for XXXX XXXX and that I should file a fraud complaint. 
I went to the XXXX  and they have hundreds of complaints against them for this very tactic where consumers verify that they have never been a consumer of XXXX XXXX but are being bullied into a collection dispute with Franklin Service , INC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been unable to view, start a dispute, change info. or anything else on my Transunion credit report, and this issue has been going on for months now. When I attempt to log-in to the Transunion website for these tasks, I receive the following message : " We're unable to complete your request online. '' On numerous occasions, spanning from XXXX XXXX to XXXX XXXX, I have reached out to the company to fix this issue, both by phone and on their chat portal. Each time they have responded that they recognize this issue and someone will reach out to me to rectify the problem, nobody has reached out for months now and the problem has not been solved. Transunion does not care and is callously ignoring the problem in a very unprofessional manner, and violating my right to access my credit report. I have a legal right to view my credit report and to dispute items on my credit report and this company is blocking me from doing so.

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 2022-04-29 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:
I have disputed the improper use and reporting and nothing was updated or corrected

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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the improper use and reporting and nothing was updated or corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have filled numerous disputes with synchrony bank old navy credit card. Everyone has lied to me and I have submitted over 20 disputes and no one has help me. XXXX XXXX company charged XXXX in my old navy without my permission and no service was ever provided. I have many documents that this charge was done without my consent.

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 2022-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
LoanCare is the servicer on my mortgage. I have an escrow and they are responsible for paying my homeowners insurance. LoanCare inexplicably short-payed my premium even though I sent them the paperwork showing the proper amount. I filled out an online form complaining about the issue and requesting LoanCare to make the full payment. LoanCare did not timely respond. I then called to complain and make sure the premium gets timely paid to avoid cancellation. The representative I spoke to said it would be paid right away and not to worry about it. The payment was not timely made. So I had to call my insurance and make the payment myself, but the policy was still cancelled. I'm currently waiting over the weekend with no Homeowners ' Insurance waiting for my policy to be re-instated because my loan servicer forced me to have an escrow account but is not responsible enough to pay my homeowners ' insurance premium.

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 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
An unauthorized opened checking account done under my name without my authorization. Received letter from Chase Bank on XX/XX/2022 regarding activity activity on checking account and that account will be closed. Received business debit card in the mail under my maiden last name today XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: CA

Complaint narrative:
I opened up an account with Grain Technologies, an online line of credit provided by an app. I was awarded {$1000.00} and the amount was deposited to my checking account. This also reports to my credit report. I wanted to log in and payoff this balance and close my account. When I logged into the app, it said It needed to verify me, and requested I upload a copy of my drivers license. It then says verification can take up to 5 days. That was XXXX weeks ago. I have attempted to call the Grain Technologies customer support phone number, which does not have a live person or voicemail option. It is nothing more than a pre recorded sales pitch. I then sent XXXX emails over the past week. Each provides an auto reply that said I would hear from someone within 24 hours. That has not happened in either case.

I am demanding that a member of Grain contact me within 24 hours, provide me with a pay to payoff this account and close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have files dispute reports with Transunion, XXXX and XXXX but to no avail. I believe in accordance to the Fair Credit Reporting act, These Three credit bureaus has failed to investigate properly the accuracy of the report published. These bureaus had been instrumental to the violation of my rights. 

Transunion reported that the Creditor XXXX XXXX XXXX is owed {$1100.00}. In the reporting, Transunion has published a duplicated report that has failed to state the actual date the account had been opened. It was stated that the account was opened on XX/XX/XXXX and the second reporting stated XXXX XXXX citing the same amount owed. 

Another falsly reported entry on Transunion and XXXX was a creditor from XXXX XXXX  in the amount of {$310.00}. I disputed this transaction as a transaction I am not aware of according to the reporting. It was stated that the account was opened in XX/XX/XXXX. I made it known that I did not become a customer of XXXX until my XXXX XXXX XXXX XXXX, XXXX address in XXXX. I had been a victim or Identity theft and report had been made with the law enforcement.

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 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
Radius Global Solutions, LLC Failed to validate debt Also violated HIPAA

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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my 3rd time I reached out to transunion about unauthorized inquiries on my report and they have refused to do so. There are 23 account and promotional inquiries that are on my report. If they can not provide me with the original application along with my original written ink signature. Immediately remove them from my report

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 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, I went to make a payment on my United Airlines Card through Chase Bank. To my surprise, my account and card were closed. The letter I received did not indicate why. When I tried to work with Customer Service I was told that they are unsure why Chase closed my card and there was nothing I could do. I have not received any clarity or answers as to why Chase decided to close my card and keep the balance from my card active. My credit score is now effected by this mishap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
Lakeview Loan Servicing has not paid my property taxes for Q1 & Q2 of XXXX. There have been serval phone calls placed, and every escalation has been closed with no resolution. 
On the call earlier in XXXX, I noticed that they have the wrong block and lot number on the mortgage statement, which is why my taxes are unpaid. The person said they would have resolved. 
When I called back on XX/XX/XXXX, which was my 4th call, the person told me the case had been closed as resolved. When they called my township they again gave the wrong block and lot number, which is paid to date, through my mortgage payments. 
I was told at this time the situation would be resolved by XX/XX/XXXX. I just spoke wth my township tax department and nothing has been resolved. 
The next letter will be placing our home up for tax sale due to two unpaid tax bills. 
I need this paid and resolved immediately.

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 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I received a bill from XXXX XXXX XXXX for {$95.00} last year. I paid {$600.00} for XXXX XXXX XXXX and used only half of the XXXX appointments due to COVID. I called XXXX XXXX XXXX, and requested the amount be taken out of the balance of my account, which was accepted. 

I then received a letter from Kansas Counselors , Inc in XXXX, XXXX seeking to collect on a supposed debt of {$95.00}, which I had already contacted XXXXXXXX XXXX XXXX about. I wrote them a letter seeking debt verification, and explaining the above. I received a letter on XX/XX/XXXX that contained the same bill that I had already contacted XXXX XXXX XXXX  about, but nothing about the amount that XXXXXXXX XXXX XXXX still owed me ( {$300.00} ballance - {$95.00} = {$200.00} owed to me ). I am not sure if XXXX XXXX XXXX was recently bought out, as Kansas Counselors statement is from XXXX XXXX XXXX, which I have never had a business relationship with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: NC

Complaint narrative:
In Accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

1. XXXX  XXXX Account Number XXXX in the amount of {$440.00} 2. XXXX XXXX Account Number XXXX in the amount of {$4800.00} 3. XXXX XXXX XXXXXXXX Account Number XXXX in the amount of {$840.00} XXXX XXXX XXXX XXXXXXXX in the amount of {$1400.00} 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 an 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 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tenaglia & Hunt, PA
State: MD

Complaint narrative:
I have trid to contact this company they will not respond to me. They are suing me. They lied and said i owe them i dont. They said they called me they cant one because they dont have my phone number. Secondly, i asked to be emailed only about this debt, verify it was mine and send proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX will not correct their own errors and keep blaming the SSA Administration for their own wrongness. They are continuing to keep my 19 years from me and a letter dated XX/XX/22 appears to have been backdated says termination of my XXXX XXXX debit master card account suspending or cancelling that you have elected to do and under the law Article XIII, section 1b. Please send to the CFPB the law you are using under these terms since an employee female told me last night that this is coming from Social Security Administration and to go ask them. You should payout the new XXXX Claim filed as 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 2022-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
This Complaint involves my mortgage company, XXXX and its mortgage servicer.. 

Please see the attached Addendum that includes a detailed timeline relating to the subject matter of this Complaint, as well as a copy of my most recent ( XX/XX/22 ) Mortgage Statement. No additional documents have been attached because it is anticipated that there will not be any factual disputes between myself and the mortgage company. 

Simply put : I was granted a COVID-19 forbearance ; I resumed my contractual responsibilities upon the conclusion of the forbearance ; the Company and I agreed as to the post-forbearance option to address the missed monthly payments during the forbearance. The ball has been in the Company 's court for many months to complete the Payment Deferral Agreement and bring the mortgage current by sending monthly statements that don't reflect " Delinquency Notice '' and other derogatory ( and untrue ) terms.

I have been extremely patient with these people but enough is enough. Sanction them!

Company response to consumer: Closed with explanation