vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 2022-02-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-02-28 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: NY

Complaint narrative:
- I submitted a request on XX/XX/14 for myself and for my wife. 
- My wife 's record was deleted that same week - During the week of XX/XX/14, the Creditor said they have deleted/ closed the account on their end and send weekly updates to the credit bureaus. 
- I have called TransUnion several times since XX/XX/14 to understand the specific state in-which my dispute is in ; so that I can better understand if it is in queue, being reviewed, etc. 
- TransUnion has repeatedly said only that is in-progress and shared the usual time it takes to resolve a case ( 30 days ).

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 I deposited {$1000.00} from my XXXX Brokerage Account into my Chase Checking account. I use my Chase checking account to pay normal monthly bills an expenses and generally have a portion of my pay direct deposited. This month, because we moved and the vendors we used for moving and home organizing had to be paid by debit card and XXXX, I spent more from this account than usual. To remedy that, I deposited {$1000.00} from my money market account held with XXXX. I did this through mobile deposit which Chase accepted. They then proceeded to place a hold on the funds until XX/XX/2022 for the stated reason that XXXX does not honor checks in their experience. This was false. In fact, by XXXX on XX/XX/2022 ( the next business day ) the check was cleared. Chase is still refusing to release the hold. I have contacted customer service twice and they are denying they have received the funds ( that is false since I know for a fact if the money has already cleared my XXXX account, the federal reserve has already released the money to Chase ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for committing identity theft. I have never given Portfolio Recovery Associates , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I have a legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC continue its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identify theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of these documents herein and of its notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Complaint RE : Experian & XXXX 30 Day Investigation Period Expired Dear CFPB, I sent a letter to Experian & XXXX disputing two ( 2 ) accounts as erroneous on XX/XX/2022 and mailed them certified, return receipt requested. I received notice in the mail that Experian & XXXX received the dispute letter on XX/XX/2022. It is now XX/XX/2022 and I have not received a response from Experian nor XXXX. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), Experian & XXXX have 30 days ( about XXXX and a half weeks ) to investigate disputes. If Experian & XXXX can not verify the information within the 30-day time period, Experian & XXXX must delete all the disputed accounts from my report. 
Enclosed find a copy of the receipt showing when Experian & XXXX received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

Thanks in advance for your timely response to this complaint. 

Sincerely, 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 2022-02-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
this company chase ( JPMCB CARD ) clams my account is closed and charged offed and yet still reporting negative remarks on this account. This is a formal notice that your claim is disputed. you have false, inaccurate and incomplete information reporting on my credit report including but not limited to incomplete account number. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
4 days ago, my fianc went to take the tax money we got out of our account. Some how the teller messed up, my fianc went back in to try again and the teller put a hold on our account making it look like we were {$880.00} thousand in debt. I was told it will take 24-48 hours to investigate. Its been 4 days, they will not tell us XXXX whats going on or why they did it. This caused our financial situation to get worse. I hate the fact they can do this to us and other people. This action should be illegal. We just want the money the IRS issued so we can close this account.

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 2022-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: SC

Complaint narrative:
I received a letter stating I owed {$4500.00} on a debt from XXXX XXXX. I have never owned anything from XXXXXXXX XXXX or acquired any debt from XXXX XXXX 
On XX/XX/22 I contacted Diaz & Associates regarding the alleged debt. I was informed that this debt was from something that they claim was previously on my credit report and removed. They stated the the alleged debt was from XXXX. I informed them that this must have been fraud and advised that their was a statute of limitations on the collection of debt, however he said I still owed the debt. I informed them that it was fraud and I do not owe the debt. 
Apparently this company is purchasing old alleged debt or making up debt in an attempt to collect, long after the statue of limitations on collections. Attached is the letter. Please contact them and have them remove my name and information from their system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
I am in the middle of buying a home. My Credit score is very vulnerable right now. I contacted the collection company Receivables Performance Management ( RPM ) back in XX/XX/2021. We agreed on a settlement of XXXX. The arrangement was to be made in two payments which were to be deducted on XX/XX/XXXX and XX/XX/XXXX. I called and made the XXXX payment early. The XXXX payment was deducted on the XXXX which would have completed my debt with the company. However right after the second payment was made, the collection hit me credit report and dropped my score XXXX points. This should not have happened. I was told that as long as I was in good standing with the collection company and made the payments on time this would not hit my credit.

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 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I received a visa vanilla card in XX/XX/XXXX for {$500.00}. I went to use the card in XX/XX/XXXX to pay a hotel bill. When I called on the balance was {$5.00}. I never used the card there were several charges on the card totally {$490.00}. I opened a complaint with visa in XX/XX/XXXX case # XXXX visa card # XXXX. I requested that I be reimbursed for the unauthorized charges and have not heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Originally I applied for a loan modification on my loan due to a job loss of my husband, around XX/XX/XXXX. While in the process of the loan modification, the pandemic came and I than also had job loss for a period of time and income loss which changed the loan modification status and put me into a forbearance because SPS ( Select Portfolio Servicing, Inc. ( acct # XXXX ) ) said that they can't review under both circumstance. In Late XXXX I was put in a Forbearance according to my new situation and due to the income loss i was given some time until my situation changed. on XX/XX/XXXX after my forbearance period ended I called in to see what options I had to re-start my payment but was not given only one option and that was to submit a RAM application. In the process I was asked to submit many documents, which I did provide. They had many questions that need to be answered, which I did answered but the questions came at different times and by the time a received a correspondence for request of document/explanation every time I had to update another document because the date had expired. After a long back and forth I was already in XXXX of XXXX. At this time unfortunately I had a another change in my situation that had to brought forth, because my husband stopped receiving unemployment and I no longer can document that income and they told me that they have to put be in another forbearance. In XX/XX/XXXX at the end of the forbearance I requested a streamline modification but again they said I was not eligible and then I submitted another RAM application on XX/XX/XXXX. It is XX/XX/XXXX and SPS still is asking for more documents. The recent request concerned me because it is not in my control and according to the customer services person the requested document is needed and with out it the application will be incomplete. The request was for a pay stub that has a begin and end date, which my pay stub does not provide. I work for the State of NJ and they only have an end date on the stub and I have submitted my bi-weekly pay-stubs. I'm not sure after speaking to the customer service rep today XX/XX/XXXX what exactly they need as a supporting document as they are not able to change the pay-stub. I am very concerned about my loan and am overwhelmed by the requests. I feel like SPS is just buying time to add more interest to the end of my account. I am looking for a way to settle this in a timely manner as I'm I working mom of XXXX with a spouse with various health problems. This process has impacted me negatively, it has cost me time and mental exhaustion to the point where I feel i'm running it circles. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX SPS- ACCT # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit card balance reported for XXXX XXXX account ending in XXXX is incorrect. Please update with the accurate balance of {$190.00}.

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 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
RE : Relevant history concerning my dispute with XXXX and Contract Callers , Inc. 

XX/XX/XXXX Order placed online for 80 gallons. ( Reference number XXXX ) XX/XX/XXXX Email notification of a duplicate order placed. I called to report the duplicate and this was corrected. XXXX received payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX Order delivered. 

XX/XX/XXXX Began detecting odor. Suspected leak. XXXX promptly came to remove the tank and all propane from the property. I do not have the exact date, but it was a Friday evening when the tank was removed. 

Over the course of several months, I placed numerous calls with various representatives about our replacement tank and propane. Eventually, customer service suggested I place a NEW order for propane, which I did on Friday, XX/XX/XXXX. 
The order was moved to expedited delivery at no charge with an apology for the long delay. ( Sales Order Created XXXX ) XXXX representative by phone acknowledged that it was in their records that they removed a full tank of gas as well as a leaky tank and that this gas had already been paid in full. The representative stated clearly that we would get an invoice within ten days that noted a credit on our account. 

XX/XX/XXXX Replacement tank and gas delivered. 

Invoice appeared with a date date of XX/XX/XXXX, XXXX with no mention of the credit. When I called to correct the record, there was no record of the leaky tank, no record of the removal of a full tank of gas. 

I promptly requested to close my account and I was told it would be closed on XX/XX/XXXX ( order XXXX ). 

From the time I opened my account in XXXX, business protocol and communication failed significantly. Calls had been outsourced out of the country, there was no way to speak to a local representative, and every person I was in touch with claimed to have no knowledge or access to any of the notes that previous customer representatives claimed to be taking. 

I filed an official complaint with the XXXX XXXX XXXX on XX/XX/XXXX. 

I first disputed this debt with Contract Callers on XX/XX/XXXX ( XXXX XXXX. ) A copy of these notes has been provided to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have had the same credit card with Wells Fargo Bank and it is NOT the marketed XXXX Wells Fargo credit card by the XXXX on the Wells Fargo website but I believe this is a fraudster scam emanating out of Wells Fargo Bank as a result of my use of a XXXX credit card when staying at a hotel. 

The XXXX advertising the Wells Fargo XXXX credit card is a fraudulent scheme, in my opinion. 

As a result, I, in my opinion after careful research believe that the source of this Wells Fargo scam, the XXXX, selling the XXXX XXXX credit card on the Wells Fargo secure banking website is possibly the source of some spam email I have been receiving, of which I logged an FTC complaint. 

The spam email I received and reported to the reportphish website at Wells Fargo Bank is coming from coverage, XXXX XXXX and the marketer on the XXXX Life ecommerce.com website is offering XXXX XXXX, {$250000.00} XXXX XXXX at {$15.00} per month. 


He appears to be the XXXX selling XXXX XXXX credit cards, probably French and might be connected to the fast talking frenchmen making the XXXX XXXX out of XXXX  XXXX. 

It appears to be the XXXX at Hotels credit card using Wells Fargo Bank, of which I am a depositor FDIC insured for XXXX Thus this is a Wells Fargo Bank scheme with the XXXX in charge and my money is FDIC insured at Wells Fargo Bank. 

Is this how a bank operates on United States soil?

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 2022-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed XXXX XXXX XXXX several times on my credit with no response. It keeps being marked as accurate. It is definately not accurate and it is effecting my ability to obtain a loan for a house. I have been disputing for 2 months now. I even got a letter from XXXX XXXX XXXX themselves to send to Transunion. I sent it to Transunion XXXX weeks ago certified mail and they are yet to pick up their mail at the post office. XXXXXXXX XXXX XXXX  is reading as an opened account with a balance to pay every month. The accounts are closed and charged off. This is so frustrating. Nobody will help me. It clearly is reporting wrong. Attached you will find the letter from XXXX XXXX XXXX verifying the information and it needs to be 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 2022-02-28 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: UPGRADE, INC.
State: MS

Complaint narrative:
When I applied for and was approved for the UpGrade XXXX XXXX XXXX XXXX I was promised a {$200.00} cash bonus after making 3 ontime payments. I opened the account in XX/XX/XXXX. All monthy payments have been made on time. I have made several calls regarding this and each time I was told that the matter would be escalated. I was told that I was due the {$200.00} bonus. On the call that I made on Wednesday, XXXX XXXX, XXXX I was told that the matter was being corrected and {$200.00} would be deducted from my total balance due within 5-7 business days. Today is the 8th business day. I called again. On this call I was told that I did not qualify for the {$200.00} bonus because I have 2 different cards with them. This was the 1st time I was told this. I began calling UpGrade about this in XXXX. I made several calls since then. On each and every call I was told that I was qualified and should receive the bonus. This has been a very stressful and time consuming matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit card balance reported for XXXX XXXX XXXX account ending in XXXX is incorrect. Please update with the accurate balance of {$460.00}.

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 2022-02-28 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Original account opened for a Web Bank account number XXXX in XX/XX/XXXX, not XX/XX/XXXX, debt collector violated FRCA, listed an old debt as new, " re-aging '' a debt is violation under FRCA. XXXX XXXX opened the account in XXXX not consumer. Account age is wrong. Filed disputes that have gone ignored or a generic response not addressing what I have stated in the complaint/dispute. I am the consumer that will take Experian to XXXX court if I have to, apparently it's the only way to get them to listen.

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