vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX I received a check from XXXXXXXX XXXX XXXX XXXX XXXX due to the fact Im a landlord and my tenant cant pay her rent. I deposit a check from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX chase decided to restrict my account on XX/XX/XXXX they notify me that the check was going to be held for 15 days as of XX/XX/XXXX to check has been released funds are available Chase is still just holding the check for their discrepancy. I have been all around to several banks to try to get this issue handled Chase wants a verification from the maker which XXXX XXXX XXXX XXXX XXXX already released the funds the funds is available I have also went to XXXXXXXX XXXX which XXXX XXXX XXXX XXXX bank with XXXX even said that Chase has the money they are just holding it for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NEXA Mortgage, LLC
State: NC

Complaint narrative:
Got 5 fake pre approval letters from a company a specific lender and he gave us a pre approval letter for a state he isnt licensed in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I abhor this! I've sent complaints and sent disputes for months, but I've seen no response to my complaints. I'm being hurt and under a lot of stress as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: IL

Complaint narrative:
I abhor this! I've sent complaints and sent disputes for months, but I've seen no response to my complaints. I'm being hurt and under a lot of stress as a result of this.

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I want an investigation with XXXX XXXX as their seems to be an hard inquiry on my credit report with transunion. I investigate my report on XX/XX/2022 through TransUnion. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX XXXX XXXX. The date I filed bankruptcy was XX/XX/2022.

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I want an investigation with XXXX XXXX as their seems to be an hard inquiry on my credit report with XXXX. I investigate my report on XX/XX/2022 through XXXX. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX XXXX XXXX The date I filed bankruptcy was XX/XX/2022.

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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been in contact more than once regarding the promotional offers and credit line offers proposed by Capital One. I have been a customer for nearly 20 years. I have not been extended any credit offers during this time. I spoke with more than one agent and they explained that capital one does credit offers based on credit worthiness every 6 months. I complained in XXXX of 2022 how I never have been extended this offer. It is overt discrimination as they have over looked my account to extend any upgrades or offers. However many of my friends that are not of my XXXX  or XXXX have been extended offers. They recently sent me an email asking for my income to be updated and in the email they referenced that they wanted updated income to extend offers. However I update income annually for them and never ever has received an offer. This is clearly a violation of human rights and is false advertising. I submitted a request for an explanation from them and have not yet received any feed back or follow up. Also I feel that this is clear discrimination and the actions should be dealt with accordingly. In looking back over time I have always been overlooked for offers and credit extensions. My credit score, credit history have always been stellar with capital one so I am not certain of why they are discriminating against me. I would like feed back and a clear explanation along with a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2022-10-26 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX I had {$380.00} dollars on my card I made a purchase at XXXX that night for {$26.00} woke up the next morning to {$33.00} in my XXXX XXXX account. I had just recently received several deposits and I know I didnt spend anything so I immediately checked my transaction history and pending transactions and it was nothing there besides my purchase at XXXX XXXX So I reached out to support via the app and explained my situation I was told someone would reach out via email that was 6 days ago and I have yet to speak with anyone in regards to where my money went! I have messaged them via app everyday and also called the XXXX number and they keep telling me the same thing that I have to wait to receive an email that I have yet to receive when I should not have to wait to find out what happened with my money!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-26 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: IL

Complaint narrative:
This is regarding an existing issue with transunion and XXXX XXXX  account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-10-26 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2022-10-26 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-10-26 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: TX

Complaint narrative:
I am complaining about the creditors who are reporting fraudulent information on my credit report. I have been sending dispute letters to the bureaus, but I get no response from them. I am hoping you could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I received calls from Medical Data Inc. stating I owed a debt of {$2300.00}. I requested a breakdown of service and fees including collections and medical charges. 
In addition, provide a copy of my signature with the provider of service to release my medical information to Medical Data Systems , Inc. with no success in validation. I sent out letters requesting validation of debt to Medical Data Inc. in writing XX/XX/2022.

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 2022-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
Bill was paid immediately after the services were provided total amount was paid for both bills, but billing department sent item to collections without any notice, I was notified by my credit reporting block service that m credit score had dropped significantly which is affecting my score in a way that is not recoverable. Both XXXX XXXX and Plus 4 here in XXXX XXXX violate this protection all the time they have done this to me 3 separate times this company threaten people if they contact you, and when they don't they threaten you when you contact them. there contact information is XXXX and they often operate under different name at different times.

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 2022-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One you have caused harm to me with your decision to deny my extension of credit. We need to meet about this misunderstanding. I acted in nothing but solidarity when I came to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I previously was under gov't assistance due to covid. Then I was started on a 90-day trial. I continued making payments, until I called to do so this month. The rep. claimed a paper was sent to me and that I never signed it, so, due to this, I am default on my loan.

They refused to take my payment. For all the nonsense I have been through, I sure would have signed a paper if I had received one to sign. I had a problem earlier this year regarding an insurance check. They kept claiming I never " sent the paper back to them '' so they wouldn't release a check to me for repairs. 

Due to an error, I'm supposed to go through the modification process again. Never received a voicemail, or a letter in the mail regarding this issue. 

I'm very irritated to say the least. My mortgage rate is please going to stay @ 1-2 %, I shouldn't be penalized because of their errors. 

Thank you for your help! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: WI

Complaint narrative:
Hello, I received two letters from your company trying to collect a debt for XXXX XXXX XXXX. 
One letter for myself and my daughter. 

XXXX XXXX XXXX I do not owe this debt. Legal counsel from XXXX XXXX XXXX stated that I did not get charged an early termination fee or collected attached is the letter. 

I never received an intent to collect a letter from them. Your collection letter was the first I ever heard of this allegation. 

XXXX XXXX : my daughter was never on the lease. 

I spoke to XXXX XXXX XXXX XXXX and XXXX ( her superior ) and they are claiming that they never sent this amount for my daughter as she was never on the lease. I spoke to them on XX/XX/22 and XX/XX/22. XXXX and XXXX are both stating that Rent Recovery Solutions is responsible for collecting debt - I told them that the letter states " Rent Recovery Solutions is trying to collect a debt for XXXX XXXX XXXX XXXX 

XXXX ( property XXXX also said that she did not know the legal counsel from XXXX XXXX XXXX had decided not to charge an early termination fee. 

I forwarded the document shared with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX XXXXo XXXX XXXX XXXX and PennyMac re Home Insurance payment for for XXXX XXXX XXXX, by Check no. XXXX, reference number XXXX. 
In XX/XX/2022 I submitted payment for my property home insurance to XXXX XXXX which was later returned back because the payment was made by XXXX XXXX XXXX, who is not a mortgagee under this insurance. 
Please explain why XXXX XXXX made this payment for my home insurance to XXXX XXXX if another company claims to be a Servicer and mortgagee. 
Please identify my creditor and its individual employee who authorized XXXX XXXX to make payment for my home insurance. Please provide this employees position with my Creditor ( it is a bookkeeper or an accountant? ) and full contact information for this employee, business address, phone number and email. 
Please identify XXXX XXXX individual employee who received this request from my Creditor to make payment to XXXX XXXX. 
Please explain why XXXX XXXX made payment from account which has routing number XXXX XXXX XXXX ; while I was instructed to forward XXXX XXXX  to alleged servicer and mortgagee PennyMac to XXXX XXXX XXXX with routing number XXXX? 
Please verify ownership of both accounts.

Company response to consumer: Closed with explanation