vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I am writing to dispute the following information provided to Experian, XXXX and XXXX. I have given documentation showing the items I am disputing on the attached copy of my credit report ( s ). 

These items are inaccurate because I am requesting that the items are removed from my credit report to show the utmost updated information. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Note : Wrong address and wrong residence type Address : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Note : Wrong address and wrong residence type Address : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : Never lived here ; No address associated with any history of mine Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Note XXXX Never lived here ; No address associated with any history of mine Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Note : Wrong address associated with any history of mine Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Note : Never lived here ; No address associated with any history of mine Enclosed are copies of supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed items as soon 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 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated. I have reviewed my insurance statements and even my personal health chart and I never saw any dr XXXX XX/XX/22 as they have falsely stated on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UPGRADE, INC.
State: OH

Complaint narrative:
On XX/XX/2022, the Upgrade XXXX XXXX Acct # XXXX was opened based on a promotion offer published by Upgrade.com wherein Upgrade promised to credit newly opened XXXX XXXX Acct with {$200.00} acct opening bonus if 3 debit transactions were made within 60 days of acct opening. No other conditions were added to the offer. The bank has refused to fulfill its promise and has explained the reason for denial was because Upgrade.com also offered a loan on a separate/different acct when the original checking acct was approved. I did not accept the added loan. It was not an added condition for the bonus. Here 's details of {$200.00} bonus offer when it was received in its entirety : " To qualify for the {$200.00} welcome bonus, you must open and fund a new Upgrade XXXX XXXX Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within1-2 billing periods following the third debit transaction on your XXXX XXXX account. Your Upgrade Card must be in good standing to receive bonus. '' I saves the original promotional offer and all its terms on the day I received the offer. Thereafter, 3 debit transactions were made within first 20 days of acct opening in XX/XX/2022. I sent a copy of the aforementioned terms and transaction history to Upgrade.com on XX/XX/2022 with my initial complaint. Today, I had a direct conversation with multiple Upgrade.com agents when the request for {$200.00} was once again denied. The Upgrade XXXX XXXX Acct remains open and in good standing as of day this complaint is being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened a Bank of America ( BoA ) account on XX/XX/2022. I deposited XXXX dollars cash at an ATM on XX/XX/XXXX, after I received my debit card in my mailbox. Then, I ACH transfered approximately XXXX dollars from another bank account of mine to BoA on XX/XX/XXXX and XX/XX/XXXX. Then, on XX/XX/XXXX, Bank of America closed my account, the reason was " fraud ''. They provided no further detailed reason. All the money is my legal money, and they even don't want to see my proof of income. The XXXX dollars cash is from my parents, and the XXXX dollars I transfered from another bank is my salary. I've tried their telephone customer service, visited them in a branch and talked with the manager, but none of them can tell me the exact reason my account is closed. I didn't do anything related to " fraud ''. Their telephone customer service XXXX told me that I would never be able to open a Bank of America account again.

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 2022-09-07 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:
One of these fraudulent accounts were removed initially in XXXX with an address of XXXX XXXXr, this account has popped up again because they went through a collection agency and that agency posted twice on my credit report You only deleted one. the second one I have no idea who they are. Per Equifax they have verify the account please send me that contract or whatever it is that you used to verify it with me. 


Ive called. Each time I hear a different story some say that they received it some say they havent received it since they received it and it was rejected they dont know why it wasnt rejected someones gon na call me in three days so Im say that its a fact that was received but only my ID and my social were attached some say they have to see report was attached but not my ID and social. Some say that my attachment wasnt in the initial dispute for my XXXX  every time I speak to the supervisor we get disconnected. I dont know what is going on but it almost seems purposeful. Im done. You have 15 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, Georgia XXXX XXXX RE : Cease & Desist From Collections Dear Equifax LLC On XX/XX/XXXX Below I have the following fraudulent collections on my credit file. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX. 
ACCOUNT : XXXX XXXX XXXX XXXX To submit my FTC report I've exhausted every avenue provided, phone calls, certified email, fax and submission via MyEquifax.com. None of those paths have elevated these fraudulent accounts and have had no response from your corporation. With the precedent of Michael Ruzbarsky v. Eqiufax and Barbara Williams v. Equifax, this is my last recourse. 

These collections cause me to suffer humiliation, embarrassment, emotional distress, physical discomfort and financial issues due to higher interest rates. 

I HERE BY DEMAND THAT YOU CEASE AND DESIST THE INSERTION THESE 2 FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. This notice will be sent via fax, certified mail and via CFPB. If action is not taken by you to cease and desist with in 15 days from the receipt of this letter, I will have no choice but to take appropriate legal action against you. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
On XX/XX/2022 SPS Servicing received a payoff check in the amount {$14000.00}. They did not apply these funds to the loan to payoff the balance, they put the amount in an unapplied principle balance account. Several additional payments were made between XX/XX/XXXX and the month of XXXX before on XX/XX/2022 they applied the remaining balance in the account towards the loan, bringing the loan to a close. In XXXX of this year I received a letter stating that the loan was paid off in full and that a release of lien was sent to my county of residence. I sent a request to SPS customer service disputing the payoff process, that the funds should have been applied when received. It also stated all payments received after XX/XX/XXXX should be refunded. A letter dated XX/XX/XXXX with their response to my inquiry, which in essence stated that they processed the payment correctly and that there was nothing further that they could do. I also received a letter dated XX/XX/XXXX that stated that they were reversing the loan payoff amount that was received on XX/XX/XXXX, 3 months after they applied that same balance towards the remaining balance on the account. I believe that he payment reversal was done in retaliation of my complaining about this payoff process. As of today 's date, the mortgage is showing a balance of {$14000.00}. I have spent several months calling this company asking for help getting the mortgage paid off, I was given the runaround numerous times, and given misinformation which only prolonged this process, which is still not even completed.

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Experian regarding an old collection account that they ( Experian ) are still reporting on my credit and/or consumer report. They are reporting a collection account, from XXXX, on my credit report ; and furthermore the address on file for this account is not mine. So, these are two reasons why this shouldn't be on my report. ( 1 ) It's beyond the statute of limitations, and ( 2 ) it's using my personal information while utilizing an address that's not mine which is FRAUD. 
On XX/XX/XXXX, Experian notified me that the collection account was not removed because the company who reported it had certified to Experian that the information is accurate. 
Please, instruct all credit reporting bureaus and/or agencies to cease reporting all fraudulent information about me at once, as they are all in violation of multiple provisions of the FDCPA and FCRA. 
Please respond at your earliest convenience. 

Respectfully Submitted, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account 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 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 explanation
Consumer complaint received 2022-09-07 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: FL

Complaint narrative:
I have sent XXXX letter for them to find out the original documents with my signature on it they never respond to me correctly the answer was from them everything was verified, and it will stay on your credit 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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I am applying for a credit card through Credit Karma, according to the website they said I have a high possibility of approval or 100 % or something like that and I got denied that affect my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-09-07 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
SEQUIUM ASSET SOLUTION is reporting a collection on my report after I have disputed the debt and asked for very specific verification details in which they will not provide. I am asking for verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. 

First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you mailed me something stating the original creditor but this is not a contract or agreement and is nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 

Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information that is known or which should be known to be false. 

Addittionally this is still reporting to XXXX XXXX and XXXX and they never listed the account as being disputed from the collection agency which is another violation. Its sad that they are ignoring my mail and breaking the law without a care to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Fiked a claim # XXXX amounts of XXXX and XXXX on XX/XX/XXXX with chase bank regarding merchant service claim was denied. I spoke with a chase claims rep on or about XX/XX/XXXX XXXX in regards to reopening the claim. The rep stated they would reopen my claim and said if I have any additional documentation I can send via mail or fax. On or about XX/XX/XXXX faxed Additional documentation to Chase claims department. On Thursday XX/XX/XXXX spoke to a Chase claims supervisor a who informed me fax documentation had not been received yet to call back the next day and if fax documentation was received to request the reopen the claim as Chase was willing to take a second look. On Friday XX/XX/XXXX spoke to Chase claims rep claims acknowledged receipt of the fax i sent and stated he entered for claim to be reopened and request for a temporary credit to be applied. The claims rep also stated that the inital claim filed was very vague and that he would provide additional details. Called on XX/XX/XXXX claims spoke with rep and was told claim was denied. Explained to the rep the claim was supposed to be reopened. Rep stated claim was NOT reopened and put me on hold while she spoke with the back office. Rep came back after about 5 or 10 minutes said sorry they not going to reopen claim. I asked to speak to speak with a supervisor as I was told claim was to be reopened The rep rudely and coldy stated speak to a supervisor for what it ain't gone change nothing,! I still requested to speak with a supervisor. Was eventually transferred to a supervisor and the supervisor said it was not reopened then begin to say it was denied again by chase then I asked how was it denied if it wasn't opened again. Supervisor then stated Chase didn't deny it deny it Visa denied it. I got contradicting statements and seems.like outright lies from different reps and suoervisors. Why was I even asked to submit additional info if it was even going to be reviewed. The initial claim was very vague and really no information entered by the claims rep which didn't help either. Also chase never sent any request for additional information to clarify the claim from me when the claim was initially filed.This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I deposited a check on my phone then received 3 more of the same exact Federal Reserve state checks for the same amount for back payment of over payment of child support. I then went to the bank and deposited the one I already used mobile deposit for. Bank of America said it was Fraud. I paid them back in full but unable to open other accounts. This is really hurting me for work because I need a travel credit card for work but they wont approve me because of this. Bank of America also said they will review my case once paid in full and remove the comment. But still haven't. I have to use pre paid debit cards and this is making everything hard especially trying to purchase a home.

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 2022-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Me and my family tried renting a house we saw a listing on an app that said it was secure we set up a time to go see the house the same number texted us to go in and we saw the house in person so we didnt think anything of it, the person was impersonating a landlord, they texted us and sent us a application for the home we did it and they said we got approved instantly, me and my family were desperate to look for another home due to money issues we accepted and they then sent us a lease agreement online and since weve never rented a house before we thought it was normal we talked on the phone and everything seemed good, we didnt think anything of It so we signed and were told we were going to get the keys the next they, we were blocked the next day and never got the house we gave out personal information as well. We contacted my bank Wells Fargo and XXXX since we did the transaction there they said we couldnt get the money back and said to only send money to trusted people but the person completely fooled us and gained our trust it was an honest mistake and they need to help us I dont know what else to do this happened about 11 days ago.

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 2022-09-08 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: VA

Complaint narrative:
These companies violated my consumer rights, by sharing information without my knowledge consent or instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: VA

Complaint narrative:
These companies violated my consumer rights, by sharing information without my knowledge consent or instruction

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