vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 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: GA

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX accounts with DPT EDXXXX XXXX and XXXX. This has caused me tremendous XXXX XXXX, and financial hardship.

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 2022-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
I got an email from a creditor that said they were closing my account due to default payments on credit report. I was unaware that it had been on there as I was never notified... phone call/letter. Knowing the new laws in place I placed a call to Credit Management LP. Spoke to supervisor. He said they sent a letter but didnt know dates or times. I asked if they called me and he then asked if Ive changed my number but couldn't answer yes or no. I asked them to remove it and he tried to send me to their legal dept. Im not an attorney so what do I need with them. Any help with this matter would be greatly appreciated. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have previously disputed this item with XXXX and Equifax and I verified the item as accurate I have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to me or any credit bureaus for that Matter, Therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611I ( 15 U.S.C. 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
I wrote in via chat requesting a refund of {$200.00} for a payment I made during forbearance. I never received a confirmation email, or anything to track this refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, I tried to buy tickets from someone on XXXX, they said they were selling tickets to a concert that I really wanted to go to. They were selling XXXX tickets for {$200.00} each and said they would send them right after I sent them the money through XXXX, at first my bank said that the first payment through XXXX did not go through and that it had been canceled so I sent it again. This is where it went wrong, right after I sent the payment they would not send me the tickets or any proof that they would. Instead, I got a phony email from XXXX claiming that the tickets were being sent through, I went to my chase account to see if I could stop the payment and for some reason, another {$200.00} was taken out of my account and sent to this person. I tried calling chase to tell them the first payment had gotten canceled so I'm not sure how it suddenly went through even though it didn't reflect on my account for 10 mins. I have multiple pictures from my other friends trying to see if this person was trying it with anyone else and they were, they kept giving numerous different names but yet kept telling me how I would receive the tickets. Eventually, this person blocked me, I immediately called the bank to see if I could stop the funds since they were still " pending " but they said they could do nothing and to try calling back on XX/XX/XXXX, I called back today and they said that the other person bank said it was my fault and that, that person has proof of it being a real transaction and how it was me who initiated it. I am now out {$400.00} and have had no help. This was with the Chase bank, the payments were through XXXX which I know can never help anyone get their money back. I am not sure what to do anymore. I have inserted the name they told me to send the money too and the information they gave my friend.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Suddenly company report 30 days late on the account for previous date in XX/XX/XXXX and XX/XX/XXXX which is not correct. 
I called the company they agreed to fix the information with the credit bureau, I submitted a dispute with Transunion and the information was not changed. 

They continue to report 30 days late on the account also for the month of XX/XX/XXXX and I have been calling numerous time, they agree to fix the information on a recorded line, I submit disputes with credit bureau and the information hasn't been update with the credit creating a continue disruption to my 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 non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is with BMO Harris bank. 

I have a HELOC loan with BMO Harris and have made 0 withdrawals. Last week I received my statement from BMO and it said their was a {$34000.00} withdrawal. This is a fraudulent transaction. 

I reported the problem to BMO ( Initially only telephonically and subsequently via email ) and mentioned that I am closing on my house shortly and I would expect a zero balance. 

To date, I can not get any substantive information from BMO and I am constantly shuffled between departments who say that they can not share any information with me. This is extremely frustrating since in these calls, BMO acknowledge themselves that the transaction is fraudulent. 

I have no idea when this will be resolved and how it will effect my closing. I have no formal communication from BMO regarding this issue and I want to make sure my other accounts are not vulnerable. Really bad service in my book.

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused 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 non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused 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 non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: KS

Complaint narrative:
Received a call from someone claiming to be a collection agency. Phone number XXXX XXXX. They claimed I owed {$130.00} to XXXX XXXX XXXX. They had the correct spelling of my name and my address. They even had the correct dates I was in XXXX XXXX. Instead of paying them directly I contacted the XXXX XXXX. They informed me I owed no money as insurance had covered the treatment entirely. Obviously this was a scam call. The scary part is with the details they had somehow they had hacked into my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  acc # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
I am applying for a refi loan with XXXX and was told application to close generally takes 2 weeks. It took a month to get the appraisal done and were now on week 6 with no answers from the company. I have contacted the two representatives I have worked with several times but will not get an answer back no matter how many times I call. I will however get requests for frivolous paperwork as well as paperwork that has already been submitted. I have emailed to have certain debts be paid from the refi and the remainder be cash out for home repairs. They have yet to correctly send disclosures with the correct debtors to be paid. I started this process with specific things to be done under the timeline promised to me by the company and now Im not even sure it will go to closing because they keep requesting new things without doing their part. I have names and nmls available upon request

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 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was travelling to XXXX XXXX since my mother was sick and used the Chase Sapphire credit card to make the purchase from a web site called XXXX and the corresponding Airline was XXXX. I have multiple travel credit cards and used the Chase Sapphire card since I saw peace of mind benefits as per the attched doc from the chase web site. Unfortunately my trip got interrupted since I had covid and I had to reschedule the flight from XX/XX/XXXX to XX/XX/XXXX and XXXX  XXXX  and XXXX  charged me extra {$750.00} to reschedule the flight eventhough it is covid related and never received the peace of mind that Chase advertise as per the attached doc and it was misleading. Also this flight lasted over 30 hours and didnt give me a better connections either and I was very unhappy with the layover I had in XXXX  over 6 hours. 

When I tried to file an online dispute from the Chase web site I got the popup below and called Chase customer service and to my dismay they are not willing to help me. 

Important : Important information regarding COVID-19 for disputes If your dispute is related to travel, we recommend that you start with your travel provider because many airlines and hotels are being flexible about impacted areas. If they can't help, submit a dispute online and we'll work with you to try and find you a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: MD

Complaint narrative:
In accordance with Fair Credit Reporting Act ( The Accounts Listed Below ) has violated my rights. ( Just To Name A Few Violations ) 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S.C 1681 section 602 A : States I have the right to PRIVACY.

15 U.S.C 1681 section 604 XXXX : It also states a consumer reporting agency can not furnish an account without my written instruction. 

18 U.S.C 1028 ( d ) ( 12 ) It States ( Traffic ) To Transport, Transfer or otherwise dispose of to another as consideration for anything of value... 

( Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-12 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: MD

Complaint narrative:
In accordance with Fair Credit Reporting Act ( The Accounts Listed Below ) has violated my rights. ( Just To Name A Few Violations ) 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S.C 1681 section 602 A : States I have the right to PRIVACY.

15 U.S.C 1681 section 604 XXXX : It also states a consumer reporting agency can not furnish an account without my written instruction. 

18 U.S.C 1028 ( d ) ( XXXX ) It States ( Traffic ) To Transport, Transfer or otherwise dispose of to another as consideration for anything of value... 

( Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Im requesting to receive a termination letter/ release letter of all levys removed immediately.

Especially the lien from the house in XXXX XXXX CA XXXX! 
My name is XXXX XXXX. I strongly feel this is a mistake error, it is unfortunate that there is a Social Security attached ending in # XXXX. 
This Abstract issued date XXXX XXXX. 
I spoke on XX/XX/XXXX ( time started still waiting for all the information ) & XX/XX/XXXX with XXXX XXXX representing Gurstel Law Firm. 
I request, & By law is my right to receive a copy of the original contract. 
& There is none. 
Proving information with a signature that shows I owe, if any of this debt. 
I need proof of ownership, payment historys anything & everything on this is. 
( as asked for many times ) office has 30 days from XX/XX/XXXX to comply & give me all this information. 
you must delete this mistaken debt ASAP. 
I also need all the creditors/Law Groups that have been involved in this court case # XXXX. 
Information needed is, complete legal names and address, contact information emails and numbers.. 
Companys License Permit Bonds which are required by law or ordinance to be engage in business as a collection agency. 
Information will be used to do a background check on all law firms & license numbers to confirm all legality through the state of California and Attorney General. 
I would like the complete information on Gurstel Law Group, XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX to verify on our behalf as well. 
Copy of Proof of Service form XXXX I also have no clue or recollection on how or why the court house in XXXX Civil Process would even comply to a judgment on XX/XX/XXXX.! 
I the Defendant was never served or notified that 10 hours away from my home & was supposed to be in a courthouse. in LA. 
I live in XXXX XXXX XXXX. 
In Learning about this false XXXX from XXXX? 
I was never serviced : on this claim, & not given the at least 15 days before the court date. 
I feel There is so many laws Where this XXXX is being broken through Law FCRA, FDCPA & HIPPA. 

I supposedly have this against me because I owe XXXX XXXX XXXX  & thats not true I have paper work from XXXX XXXX Bank saying I DONT owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MA

Complaint narrative:
United Wholesale Mortgage Company has not paid my homeowners policy, and allowed it to lapse this was after they sent me an email guaranteeing me they would pay the amount owed. I then received a letter from XXXX  stating they purchased a policy for me due to nonpayment. I called the customer service number and spoke to XXXX XXXX who again guaranteed me they would send a payment overnight. That was on XX/XX/2022 and the payment has not been made. I have all of the email communications between my insurance broker, and the XXXX customer service team.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
XXXX. XXXX {$1200.00}. I've received a bill stating I owe this amount. I've sent a validation letter for specific consent information that this is my dept. Like a contractual agreement I made with my hand written signature or what medication that I've received. They didn't send me that. So I sent a second validation letter stating I would take further steps. They sent me a bill from original creditor. I've been in contact with them trying to figure this out. I even reached out to the police department records unit. Which I have the email. Stating that they have no record that this incident happened on those dates. I will attach email. At this moment I'm in conversation with original creditor now to investigate this situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
In XXXX of 2022, I discovered that my now ex-husband, had fraudulently opened a bank account and took a {$10000.00} personal loan out in my name without my consent. I have filed fraud with the bank and also with XXXX XXXX and it is still showing in my name that I owe this money. It is creating an issue with my credit report as it says I am the account holder, but did not sign for this account or open it. I did not have knowledge about this loan until XXXX of this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: NC

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX Account # 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

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX Account # 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

Company response to consumer: Closed with explanation