vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Ive been trying to talk to the company related to the collection and they understands that it was not my account that the collection is connected to. Ive never owned an account from XXXX and stated that multiple times to XXXX  as well as XXXX. All the other Credit Bureaus were able to understand that the account is faulty and isnt my account which resulted in it being removed from my account, but XXXX will not remove after Ive stated multiple times that it isnt mine.the collection is {$150.00}. Ive attached my phone company that Ive had for years. I have never owned a XXXX XXXX  product

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 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Never applied for XXXX XXXX $ credit card in XXXX to XXXX. Someone else did this using my information.

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 2023-01-30 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: TX

Complaint narrative:
Never applied for XXXX XXXX $ credit card in XXXX to XXXX. Someone else did this using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Never applied for XXXX XXXX $ credit card in XXXX to XXXX. Someone else did this using my information.

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 2023-01-30 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with Equifax. checking my file is alot of invalid data that is hindering my file. please update and remove the information requested all files are submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: NY

Complaint narrative:
I applied for the XXXX XXXX as I am a sole proprietor in need due to XXXX. I am eligible for the XXXX XXXX, and was approved by the XXXX for a loan of {$8000.00}. These funds were disbursed to my Chase bank account. Chase however told me that I have to show proof of my business, and I told them that XXXX already approved me as I had already proved this with copies of my federal taxes which includes my Schedule C. Chase did not believe that I am a sole proprietor and did not give me the money. Chase closed my account and said that they will send the money back to the treasury. However, I just checked my XXXX loan and I have to pay this money back. I called XXXX and was told according to their system, the money was not returned. When I went to Chase to ask for proof of that they sent the money back they did not give me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2022 I sent a letter as a consumer to CapitalOne submitting a billing error dispute. Upon receipt of the letter on XX/XX/XXXX CapitalOne closed my account. I called CapitalOne to inquire about why my card was closed and they stated that I asked for a refund of previously made payments which is against there card agreement. I asked for them to send a copy of this card agreement and they declined stating they did not have to. I stated how can I agree to something that I have not confirmed receipt of and you wont provide for me to view. I completed a attorney general complaint as well. CapitalOne violated 12 CFR 1026.13d ( 3 ) They closed my account without investigation and it was directly related to the letter I sent for billing error resolution.I remained in honor and paid the amount on the account as it continued to incur interest.

Then later reported to the consumer reporting agencies different reasons other than that it was related to a request for billing error resolution. That constitutes fraudulent and deceptive business practices. This closure of my extension of credit greatly impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: KS

Complaint narrative:
XX/XX/2023 around XXXX I XXXX XXXX XXXX a applepay ( thru my US Bank Debit Card ) deposit of the amount of {$210.00} to US Bank ATM Machine at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX KS XXXX. After the deposit, I received a error receipt stating my deposit isn't reflecting my balance. This has never happen to me before! I called customer service and filed a claim with the representative, giving the rep all the information on the receipt they needed to fix and track my deposit. The rep told me it will take up to 10 days to finish my claim and recover my deposit to reflect my balance in my checking account. 10 days went by, and the claim was REJECTED, due to lack of information needed. I called customer service, and they stated they was missing XXXX and address, so they rejected the claim. I confused because I gave all that information to the claim representative in the beginning. I file another claim, with the physical address XXXX XXXX XXXX, XXXX XXXX, KS XXXX. Couldn't give them the transcode, because I no longer have the receipt. During the process of the XXXX claim, the claims department stated they needed more information, and wanted to know if I used applepay to make the deposit? Of course I said " yes '', and that was a week ago from the date of this claim.

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 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: FL

Complaint narrative:
I am challenging Experian 's results regarding the dispute for account XXXX XXXXXXXX XXXXXXXX. Experian notified me via email that my results were available and that the account was verified and updated, but the late payment is still there, and they failed to explain how the account was verified. I filed a dispute twice and still no proof of the late payment being accurate. The report number for both disputes are XXXX and XXXX. I am now filing a complaint with the XXXX  because this is false reporting and I have notified Experian of the inaccurate reporting, and I do not believe that they are conducting a proper investigation. I will attach the billing error letter along with the proof that a payment was made. I am demanding that Experian delete the late payment and update the account to paid as agreed, never late. I do know that Experian is violating many FCRA regulations and if this is not handled in a timely manner, I will be seeking legal action and compensation of {$1000.00} per violation.

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 2023-01-30 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: MI

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the 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
Consumer complaint received 2023-01-30 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: MI

Complaint narrative:
I am writing to request a correction of the following information that appears on my Experian consumer report. XXXX XXXX, account Number : XXXX* didnt update the details of date is inaccurate, the date last active is inaccurate, date of balance last reported is inaccurate. I just wanted to make sure everything was reporting 100 % correct according to The Fair Credit Reporting Act ( FCRA ) once notified of an error, FCRA requires the credit reporting companies to do a reinvestigation after you dispute the accuracy or completeness of the information. To my understanding everything was not 100 % accurate, Please remove the account because I have the right to bring a lawsuit. If the credit reporting company violates the FCRA, they can be held liable for actual damages and attorney fees. I have attached a copy of my report with the account in question circled

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 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, via email Capitalone spark visa card asked me to verify my ID and Social security number by XX/XX/XXXX or the account will be closed. 

By XX/XX/XXXX, I had obtained a copy of my social security card from social security administration. I had provided the social security card, passport and XXXX utility bills to capitalone by fax to the fax number they had provided. 

Capital one has suspended the account while waiting for the documents flow through their system. 

I was never made aware of the suspension or any deadlines for the suspension. 

I was operating under the date of XX/XX/XXXX deadline. 

I have wasted hours on the phone dealing with this lack of adherence to accepted normal business and legal procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 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 sent these companies to investigate these inaccuracies on my consumer report via certified mail. They have continued to ignore this matter, your company has not fixed issue. It is still reporting inaccuracies on my consumer report. These companies are direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form from this company as requested in my letter. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX : XXXX I have attached copies of my consumer report showcasing the innacuries and as proof on my defense that I have disputed these accounts with these companies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Transform Credit Inc.
State: CA

Complaint narrative:
On XX/XX/2022 at XXXX XXXXXXXX XXXX I was offered a loan and promissory note. I read I did notice the part about my guarantor. However I said nothing about guarantor signing a separate promissory note. To me this appears as though this lender is attempting to receive 2 ( two ) signed financial instruments as of it were two separate loans on one side and one loan out here in the public. I wasn't comfortable for this reason as well as I'm not going to be surety on a loan that is to be deposited into someone else 's account regardless who my guarantor is. I highly doubt you would either. Now that they have my signed promissory note " witch is considered as currency by XXXX and the Federal reserve. So in my eyes there had not been an even exchange. No equity. This is fraud. I want full legal recourse and remedy to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My mothers mortgage was transferred from XXXX to PHH Mortgage. In XXXX we received foreclosure papers stating that the property taxes had not been paid. We sent PHH the receipt that the property taxes were paid on XX/XX/XXXX. We then received notice that they also paid the taxes and started foreclosure on the property even though they had no reason for default. They charged us XXXX in attorney fees that have not been cancelled. They eventually credited us for the property taxes they charged her account for. During this time my mothers home flooded and we received a insurance check that PHH was holding. PHH received XXXX. We had demolition completed on the property with XXXX in the amount of XXXX in XXXX. The PHH inspector came out and authorized the release of the initial funds. We called several times and did not receive a check. We had to pay out of pocket because XXXX was going to put a lien against the property. Phh was supposed to release a check in the amount of XXXX. We called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX and sent emails. On XX/XX/XXXX we requested by email the funds to complete the work. My mom did not have personal funds to complete the work. We were told the check was lost and they would reissue the check. We finally received the check in the end of XXXX. We completed all of the work and kept in constant communication with PHH. They informed us that they had her account under Covid relief and her home would be safe. They then filed foreclosure against her on XX/XX/XXXX. XXXX, my mother passed away on XX/XX/XXXX. We had all repairs completed by the end of XXXX and ordered the final inspection which was completed by PHH on XX/XX/XXXX. The inspector turned in his report and this should have closed out the file. I also sent them the personal representative papers so they could contact me in regards to the work and foreclosure. We went to mediation and they are still suing my mother for repairs which are complete. They sent a letter on XX/XX/XXXX for a status update on the repairs. I would think that sending the inspection report and pictures that their inspector signed off on in XXXX would be sufficient. I have asked several times for 6 months to sell my mothers property and I can not get a response. We also requested 3 times a payoff and they never mailed it and claimed they had the wrong email. This is a direct RESPA violation. PHH should refile the claim against myself since my mother is deceased. I also am requesting all attorney fees be waived since we complied with all of their requests from the beginning, They lost the documents yet proceeded with their predatory lending against an elderly individual. As of XX/XX/XXXX PHH 's portal still shows that the claim is not complete. They still owe us {$3500.00} in insurance money and will not respond. I have all supporting documents if you need this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am interested in disputing all inaccurate information on my credit report with transunion.

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 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Approximately late XXXX or XXXX of XXXX, we fell behind on our mortgage by XXXX months. Our original loan was bought by Wells Fargo. We We tried to work with them on getting a loan modification. Wells Fargo told us to stop any further payments until the modification was complete. They constantly requested all kinds of documents which we completed timely and would send as requested. This went on for some time as they would say that either we didn't send in time or that they were not found, they would shuffle our representatives we were working with, saying that they were on vacation or no longer with the company and we had to start again. This went on for almost a year, and then they just foreclosed on our house, at which point we hired a attorney who advised us to file bankruptcy. We were told by our attorney that they're actions were a typical complaint. Now I understand that they have lost a class action suit due to those actions. I have contacted their mitigation rep. regarding this matter and was told that they would research it and contact us. It has been a while and we still haven't heard back from anyone about this. Given the former circumstances, I am not surprised. We feel that we should definitely be included in this. 
Therfore we want to officially file a claim against them.

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 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fairway Capital Recovery, LLC
State: FL

Complaint narrative:
According to my credit report, on XXXX XXXX XXXX is the original creditor and forward the debt in the amount of {$770.00} to a collection agency Fairway XXXX XXXX. I have contacted the debt collecting agency and give them my name and XXXX but they couldnt bring up any account regarding to this matter. On the other hand, I never associated with XXXX XXXX or doing any kind of business with this organization. I have file disputed with XXXX regarding to this account but no result at this moment.

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