vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Equifax Today XX/XX/2022 I received a credit alert that my address had been changed from my current address listed above which I changed via USPS mail in XXXX of 2022 to an old address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX. 

I have not lived at that address in over 8 years! 

I called Equifax to ask why would they fraudulently change my address without my authorization and the representative told me a creditor had given them that address. I explained to the representative that I have no credit tied to the address of XXXX XXXX XXXX and Equifax has no right to change my current address to an old address. 
The representative then said he will put in a dispute for the address. 

I then hung up the phone and called The City of XXXX which is where that address is. The city of XXXX XXXX Department advised me that I had a bill with them that had been sent off to a collections company. 
The representative at The XXXX of XXXX advised me that I could go on their website and pay the bill. 
I then went on their website and paid the bill of {$190.00} and I have included the receipt and email that I received as confirmation of payment being made. 

Equifax in cahoots with an unknown collection agency changed my address to suit the collection notice that I would not receive because I dont live at that old address. So what Equifax did is updated my address from my current address to an old address to match the collection that was going to hit my credit report HOWEVER I never received any notification from a collection agency and why would I if the Credit Bureau illegally changed my address so that not only can a collection account report on my credit report but the address would match what was reporting. 

That is HIGHLY ILLEGAL. 
Im considering contacting an attorney for this matter! 

If a negative item hits my credit report not only will I sue Equifax for damages but I will go to the media about what Equifax is doing to consumers. 

I have included a copy of the paid water bill and email if confirmation! 

The CFPB needs to look into this because this is highly illegal to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: AZ

Complaint narrative:
XX/XX/22 - Received email from XXXX from XXXX XXXX XXXX XXXX XXXX XXXX saying I had a debt of {$7900.00}. I responded with a request for documentation XX/XX/22 - Second email from XXXX from XXXX XXXX XXXX XXXX XXXX XXXX saying I had a deb of {$0.00} XX/XX/22 - Received letter in the mail from Capital Accounts LLC saying I had a debt of {$7900.00} from XXXX XXXX Supplies Around XX/XX/22 Called Capital Accounts and asked for proof of the debt. They would not provide details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report these items has been stopping me from purchasing my home for my family. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
At XX/XX/2022 at XXXX XXXX  I made a deposit to my chase account for XXXX in a Chase ATM. There was an error and the ATM told me the deposit was wrong, but didnt return any money to me. I called the number in the receipt, and they opened an investigation. I didnt hear from them so I called five days later and they told me that there is nothing to do, they closed the case without informed me. So I called again and they told me to submit a receipt to a fax number, so I did and I hacen hear from them since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Fay Servicing LLC ( a mortgaging servicing company ) has been collecting money in escrow for my homeowners insurance, however, they have not paid the policy after both myself and the insurance company has contacted them on several occasions to pay the policy. The policy was in jeopardy of lapsing so I had to pay the home owners insurance policy myself although I also have been paying Fay Services to pay the premium. 

According to my closing documents the servicer is supposed to collect both taxes and insurance in escrow. The previous servicers have done this, however Fay Services LLC has decided they are above the law and refused to pay my home owners insurance and appears to just be pocketing the money. RESPA requires banks to make timely payments to insurance companies if they are collecting for escrow, this company has decided they do not want to do that.

Every month Fay Services charges me XXXX for my escrow account for taxes and insurance as indicated by the line item on my mortgage statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: PA

Complaint narrative:
I called Mohela about my parent plus loans to see about loan forgiveness status put on hold sent to representative XXXX asked if my loan had to be consolidated to qualify. She said yes and asked some questions told me it would cost {$790.00} to do this. Said I needed 2 weeks paystubs and XXXX form. Had me go to my FSAide acct change my password so they could do the paperwork. I faxed forms they asked and have heard nothing. I tried to call the number see gave me if I had questions. It is no longer in service. I called Mohela today when I got a letter stating they were carrier of loans and need to start repaying XX/XX/23. I'm think why is it showing 3 loans and no consolidation. Representative said we don't charge and have no record of you being transferred. I said I was and what transpired. She told me to call XXXX to see if they had can acct for me to see if legit or scam. They said can see they are processing consolidations buy not my server and couldn't help me about the fee charged. I was told should not of been charged. My bank statement says XXXX XXXX {$790.00}. I am going to call then tomorrow about who took money if they have address or number. I was told to report here and change my fsaid password. I still need to call student.gov to report this also. I can't afford to lose {$790.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX used to be my apartment not until state of emergency commenced due to high number of XXXX. I wasnt working at the time which the state offered cares Acts which excluded landlords from evicting tenants during the outbreak of virus. I wasnt working, XXXX  XXXX XXXX  and XXXX focused and was rushed to the hospital, later on was XXXX  and in XXXX for a while before having XXXX XXXX due to XXXX, anxiety. Under XXXX accommodations, I requested debt validation to make sure I wasnt overcharged but it got to my attention. 
I moved out after I sent a email to management that I will be moving out, all rental agreement such as one month notice before vacate wasnt enforced due to state of emergency. I ended up not picking up my properties which made them confiscate my items and now Im being charged for what I didnt use.Im requesting XXXX accommodation as Im unable to make this payment due to underlying illness plus under 15 U.S. Code 1681i fair accurate reporting should be provided but I dont think Im having fair reporting. I called and tried to negotiate but the lady was so rude and was promptly offered XXXX off ( {$3300.00} ) and must be paid in one sitting which even makes it more difficult to work with but then sponsor whom co-signed already made payment close to $ XXXX as I wasnt able to assist with the payment due to my underlying illness. Im requesting for review of account to show proof of state of emergency, email sent to management of hardship. This isnt proofing XXXX of cost breakdown including one paid by my sponsor XXXX XXXX. Under the lease agreement it state every payment owned must be paid but also have to remember the care acts law was enforced and a lot of lease agreement was in absolute pending.attachment shows date very close to move out date from XXXX XXXX apartment. 

Errors detected 1 ) Not providing full debt validation including one paid by XXXX XXXX 2 ) late fee, charges, rental agreement binding agreement was noid due to state of emergency 3 ) was charged one full month + miscellaneous 4 ) agreement provides XXXX accommodation for health grounds on number 20 5 ) insurance charges multiple times

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 2022-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I received a bill from XXXX XXXX XXXX for {$600.00} for Date of Service XXXX I forwarded the bill to my insurance company. My insurance company paid the bill on XXXX/XXXX/XXXX. 
A few months later, I noticed a derogatory mark on my credit report from Choice Recovery for the bill from XXXX XXXX XXXX, which had already been paid by my insurance company. 
I contacted XXXX XXXXXXXX XXXX and they verified that the bill had been paid and there was no balance due on my account. 
I called Choice Recovery, but my calls always went to voicemail. I left a message explaining that the bill had been paid and that I have proof of the payment, if they need it. 
I also filed a dispute with the credit bureaus and sent them proof of the payment. 
However, to date, Choice Recovery has refused to remove the inaccurate reporting of this account as delinquent from my credit reports.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
The FAY SERVICING mortgage company is not making property tax payments even though this payments are part of the escrow and I have made all timely mortgage payments. 

I have notified them of this error or slip-up by phone, via their online communication exchange and via straight email to the customer service department in charge of this issue. I have sent them all six ( 6 ) tax bills which they have acknowledged receipt, but no payments have been made. 

The tax payments were due XXXX/XXXX/2022. As of today, XXXX/XXXX/2022, they have not been paid. IK am afraid the taxing agency will sell my properties on tax sale if this is not paid ASAP. 

I need help ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XXXX XXXX, 2022, an unauthorized transaction was credited to my debit card for {$40.00}. I reached out to the financial institution via phone call to dispute the transaction on XXXX XXXX, 2022, as well, and I was informed that an investigation would be started. I received a letter from the financial institution dated for XXXX XXXX, 2022, stating that the transaction dispute has been resolved and no error occurred, and that the transaction is valid. As stated before, I did not authorize this transaction and pursuant to 15 USC 1693g ( b ) - the Burden of proof is upon the financial institution to show that the electronic fund transfer was authorized by me the consumer. The following financial institution has failed to provide me with any proof that the said transaction ( s ) was in-fact authorized by me pursuant to the key elements under 15 USC 1693g ( a ). As law states, pursuant to 15 USC 1693g ( e ) - Except as provided in this section, a consumer incurs no liability from an unauthorized electronic fund transfer. I did not authorize this transaction, and this financial institution has not provided any investigation proof that I did in-fact authorize this transaction. My funds ( {$40.00} ) shall be returned to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022 or about, from my Citibank account I sent an international wire transfer to my sister 's account in XXXX. The wire amount was {$6400.00}. The bank told me the money should be arrive in my sister 's account by XX/XX/XXXX or may be sooner. However, the funds were never delivered to her account. I called numerous times to Citibank but no one could ever provide me any details about the wire status. On XX/XX/2022 Citibank credited my account, but only for {$5300.00}. I never ask for cancelation or recalling the wire. It was Citibank own decision, but no one has an answer for me that I lost {$1100.00} ( {$6400.00} - {$5300.00} ) for WHAT? I basically was out of thid money from XX/XX/XXXX until XX/XX/XXXX, and never received the original amount.

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 2022-09-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

Transunion- XXXX XXXX : XXXX - Delivery Date : XXXX XXXX I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :

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 2022-09-26 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: CA

Complaint narrative:
I've been a victim of identity theft and had a fraudulent credit card opened in my name with XXXX XXXX. XXXX and XXXX obeyed the law and removed the fraudulent account from my credit report because they received my FTC report and police report. However, Equifax is breaking the law and reporting the fraudulent account as closed on my credit report. I need this removed immediately or I will seek legal action because this is ruining my reputation and does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: MD

Complaint narrative:
on XXXX 2022, I transferred {$1500.00} to XXXX using Remitly.com online account. on XXXX of XXXX, I received acknowledgment about the transfer and when I asked my XXXX he told me that amount is not showing in his bank account. 
on contacting Remitly customer services, they told me that your provided account number was not correct and we have requested their partner bank for a refund. 
since then I have contacted them almost every week and I am not receiving any encouraging statements from them. 
In XXXX, my brother contacted the bank and they provide him with a bank statement during that time period ( XXXX ) which proved that there is no money transferred during that period. 
I emailed that to Remitly. 
today I called them and their statement was really disappointing please help me in order to get my refund. 
My claim is that the bank account number was wrong. there is the Title of the account, phone number, and address to verify. how can they make this transfer without verifying it. 
A

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I had an auto accident in my vehicle, which was totaled. My main insurance paid the majority of auto loan off in the amount of {$11000.00}. in XXXX of 2021 and I had GAP Insurance for the remaining portion of loan, interest, etc. XXXX is the company that carried the GAP insurance when I purchased the vehicle and SanTander XXXX XXXX was to provide them with the remaining amount of outstanding balance of {$2500.00}. I am still being harassed by Santander XXXX XXXX, where they are telling me that GAP Insurance doesn't pay for any interest on loan, etc. and that I still owe their company roughly {$1600.00}. This discrepancy has been hitting my credit report all these months for absolutely no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Around XX/XX/2022 my account was closed after opening it in XXXX suspiciously and I have reached out to the bank multiple times to have them tell me whats going on with my account and they keep telling me that they can not provide me with that information and theyre just gon na close my account and send me my money but whoever they have a send me my money for months and its like theyre all in onto my money and every time I called they dont want to help me or they tell me I cant give you any information you got a wait you got ta wait and its been months waiting my money was taken by Citibank I strongly believe it I have XXXX in my savings account and in my checking accounts XXXX I just really care about getting my money out of my savings I dont even care about my check in because I have XXXX in my savings and it just been holding onto my money

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 2022-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX I had XXXX XXXX XXXX XXXX due to XXXX It was the most deviating thing that has ever happened to me. I did everything in power to give that i could to help my brother but it was to no avail. Unfortunately because of this tragedy I didn't notice I wasn't paying for the Barclays account that I opened on XX/XX/XXXX. Still in the stage of grief I let my Barclays account go into collection. That account is the only collection and the only negative account I have on my report. Ive tried calling the bank personally and explaining what happened, nothing. Ive tried calling the credit bureaus to explain the situation and still nothing. Please, like I said this is the ONLY negative account i have on my report and it is greatly hurting my financial future.

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 2022-09-26 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: Atlanticus Services Corporation
State: DE

Complaint narrative:
in accordance with the fair credit reporting act the creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1562 section 704A Section 2 it also states consumer reporting agencies can not post on my account without my written instructions Under 15 USC 1667B A creditor may not treat a payment on my credit card account under an open consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief