vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I placed a dispute with chase due to me loosing my card. I placed the dispute the following business day due to call center being closed. After being issued a temporary credit Im credit was then token back. No documents sent to me or anything. I spoke to several reps and they told me they would not re open claim because it was not worth and that they did there job already after I asked to provide proof. The place where holds all my funds couldnt even reopen a claim for me. This was my 1st and only dispute! I am going to every media outlet with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: American Credit Acceptance, LLC
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: CORELOGIC INC
State: FL

Complaint narrative:
XXXX XXXX and Corelogic have shared my personal information without my written consent. Pursuant to 15 USC 1681b, ( permissible purposes of consumer reports ) a consumer reporting agency may furnish a consumer report only if they have written consent from the consumer to do so. I never gave them my written consent but they have furnished my personal information to multiple agencies like XXXX, XXXX, and XXXX. I put a freeze on the file they have on me and they are still furnishing my information to XXXX, XXXX, and XXXX. They are deliberately breaking federal law that is punishable under 15 USC 1681n ( willful non-compliance ).

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 2021-09-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a letter to validate accounts on XXXX to.. I didn't hear anything from them so I filed a complaint XXXX with you guys. According to FCRA reporting agencies have 30 days to validate disputed items. It took them longer than 30 days therefore my request to remove disputed accounts should be honored. I have attached the letters which state the date of Equifax response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: PA

Complaint narrative:
This reporting agency is reporting information on my report that I have not given consent for them to furnish pursuant to 15 usc 1681b. I have sent them a letter on XX/XX/XXXX. It has been well over a month and they still have not completed their " Investigation '' They are continuing to furnish inaccurate accounts on my report and I demand these accounts be removed immediately as they have not complied with the legal time given to look into my case. If these accounts aren't removed immediately I will be seeking monetary remedy as they are committing fraud and identity theft.

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 2021-09-29 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: PA

Complaint narrative:
This reporting agency is reporting information on my report that I have not given consent for them to furnish pursuant to 15 usc 1681b. I have sent them a letter on XX/XX/XXXX. It has been well over a month and they still have not completed their " Investigation '' They are continuing to furnish inaccurate accounts on my report and I demand these accounts be removed immediately as they have not complied with the legal time given to look into my case. If these accounts aren't removed immediately I will be seeking monetary remedy as they are committing fraud and identity theft.

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 2021-09-29 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: IA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me? I need answers now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: First Direct Mediation
State: LA

Complaint narrative:
Plain green! 
First direct mediation has threatened me and even called my mother speaking about debt that I owe. They threatened that I did fraud. NEVER in my life did I commit. They threatened me that they have all my information and he couldve done something. He was very rude! When I asked for proof they told me they couldnt it wouldve take to long. Called me three times in less than a hour time frame. Even was told he was an attorney and rushing me to provide my payment information!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA

Complaint narrative:
I have been paying my DLSCNS loans on a IDR since XXXX. My loans were originally with XXXX XXXX XXXX XXXX XXXX XXXX program from XXXX. Then cornerstone took over my loans in XXXX, of course I have no say in any of this, and they had my loans until XXXX. In XXXX another hand over occurred to Fedloan servicing. Back in XXXX, while with Cornerstone, I asked how many qualified payments I had on my account. I was curious, as I have been paying every month since XXXX. Cornerstone came back to me saying they were having trouble accessing the information from my previous loan servicer, XXXX XXXX. I said to them, " How is that my problem? You are a financial institution, and anytime you take over someones loan, you would naturally have all the information that goes with it? ". They said they would need sometime to go back through their records to follow up my query. Not too long after that phone conversation, my loans were sent to FedLoan servicing. 
The minute my loans went to the new servicer FedLoan, I questioned them straight away, about how many qualified payments I have. I got a response from them on XX/XX/XXXX, saying that I had XXXX qualified payments thus far. I immediately rang them up, and said that was incorrect, as I have been paying since XXXX, without any interruptions, and my wages are always certified every year, and no forbearance taken out. I was told that they would expedite my question and I would here from them in 3 business days. That was back in XX/XX/XXXX, I have followed up another time, and still no response. 
My loans should be nearing forgiveness, instead they tell me I have another 16 years to go. That would take me to XXXX, meaning I have been paying loans for 36 years. There is something fundamentally wrong with these Income driven repayment plans. 
I require any help that is possible, to get the correct and just outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery A at XXXX XXXX XXXX XXXX VA XXXX has been mailing me collection letters via mail about a {$690.00} it is being reported as past I dont know this company this company does not have a contract with my signature because I have never done any business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with TransUnion about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who gave TransUnion permission to report anything on me in the first place? I need answers now!

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: AZ

Complaint narrative:
Checkr has taken longer then 30 days to process my background checks for XXXX XX/XX/2021 XXXX XXXX  MST and XXXX. XX/XX/2021 XXXX XXXX  MST. XXXX has already exceeded 30 days and is in violation of the FCRA. XXXX shows a estimated completion date that exceeds 30 days and will be in violation of the FCRA. They blame COVID-19, however, that does not excuse Checkr from the law. I have emailed multiple times and only get automated or canned responses. Checkr intentionally, willfully, and with malice disregards the rights of consumers afforded under federal law. This has been an issue not only for me, but for tens of thousands of others. I request under law any and all applicable financial compensation that I am legally entitled to, due to Checkr 's negligence and willful violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2021-09-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have retirement plans with TIAA and there holding my funds due to their bank errors. I cant see my balance and any activities with stocks going up or down. They have been promising me that the issues would be fixed but it seems like they dont know where the issue is and why my balance shows XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: PA

Complaint narrative:
This reporting agency is reporting information on my report that I have not given consent for them to furnish pursuant to 15 usc 1681b. I have sent them a letter on XX/XX/XXXX. It has been well over a month and they still have not completed their " Investigation '' They are continuing to furnish inaccurate accounts on my report and I demand these accounts be removed immediately as they have not complied with the legal time given to look into my case. If these accounts aren't removed immediately I will be seeking monetary remedy as they are committing fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
Credit Management LP at XXXX XXXX XXXX XXXX XXXX TX XXXX has been mailing me collection letters via mail about a {$610.00} it is being reported as past I dont know this company this company does not have a contract with my signature because I have never done any business with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
Regarding : AMER ADJ BUR ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. As data furnisher please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts.

The account has not been verified and no HIPAA release has been provided to me for any of the medical debt and reporting of radiological services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. HIPAA Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX from Commentity Bank reported that I had two late payments when I was never late on a payment. I paid off the balance earlier than expected even.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX and I am a CONSUMER and ORIGINAL CREDITOR. On XX/XX/XXXX I received a letter from IC System offering some type of " settlement offer '' however I never gave any consent to this company to contact me pursuant 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- they are violating the federal laws including 15 USC 1692b ( 5 ) -not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt and 15 USC 1692b ( 2 ) -not state that such consumer owes any debt. 
I have proof of it and it will be attached to this complaint that IC Systems is violating me as a CONSUMER pursuant the FDCPA laws mention above. 
I try to resolve this over the phone and spoke with XXXX XXXX and she did nothing about it and I also talked to XXXX or Supervisor XXXX XXXX and she stated she can't do nothing because she need it to wait for the Original Creditor ( which is another violation under 15 Usc 1692e false or misleading representations ) because I am the original creditor pursuant 15 usc 1602 ( g ).

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 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
XXXX XXXX XXXX. 
I was a member for years. I joined this company for home warranty protection. 
So you pay a monthly fee. When you have an appliance that needs to be repaired, in addition to the monthly fee. You pay {$75.00} before they come out. They request you use a credit card. I used XXXX XXXX. You give them your card over the phone etc. 
My problem was that the company kept my card and continued to charge me even though I was paying them monthly through my on line banking account. I didnt know until months later when I inquired about why my XXXX XXXX billed kept a balance. 
Once I was informed. I contacted XXXX XXXX  XXXX for the return of un authorized charges. They refused. They said my monthly payment has gone up. So they used my credit card for the difference. I informed them that they shouldve informed me by telephone, letter or email. That my charge was only used for emergencies. 
I wrote XXXX XXXX XXXX. Complaint # XXXX-Ref # XXXX. It was not resolved. XXXX XXXX XXXX wouldnt return my money. Said I could cancel. So I did. I accidentally paid them through bill pay the following month. Was unable to cancel. I recently got a bill from a collection agency requesting payment from XXXX XXXX XXXX as a debt collection. Nationwide Credit , Inc. NCI XXXX. I contacted them. They informed me that if I paid them {$240.00}. They would stop billing me. I informed that I wasnt paying. To stop contacting me. That XXXX XXXX XXXX owes me.

Company response to consumer: Closed with explanation