vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I noticed unauthorized inquiry on my credit report. In accordance with the FCRA Fair Credit Reporting Act, the account listed below has violated my Federal protected consumer rights to privacy and confidentiality under 15USC 1681. Credit card was opened in my name with XXXX XXXX XXXX XXXX Balance showed {$10.00} which was sold to collection company, LVNV Funding LLC, showing a balance of {$460.00}. XXXXXXXX XXXX XXXX  charged off the debt after not receiving payment. Once charged off, they write it against their taxes. After 4 months this becomes taxable income. Therefore, a company can no longer try to collect the debt, nor sale to a collection company. This is illegal and a violation. They " XXXXXXXX XXXX XXXX '' can not charge off the debt and try to retrieve or dell debt to " LVNV Funding LLC ''. Therefore, this alleged debt must be deleted and removed from my credit report. According to FCRA Fair Credit Reporting Act, unauthorized the items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to address a longstanding issue that has significantly impacted my financial standing and has caused considerable distress. In XXXX, I experienced the sudden and unilateral closure of my personal checking account and all associated credit cards with Chase Bank. Unfortunately, I was never provided with a reasonable explanation for this decision, leaving me bewildered and without access to my banking services. 

Now, in XXXX, as I attempted to open a new account at XXXX of the Chase Bank branches, I was informed that my profile has been negatively marked, preventing me from opening a new account. The branch staff advised me to contact the Chase Compliance Department to obtain further information and clarity on the matter. 

In my pursuit of understanding and rectifying this issue, I promptly contacted the provided number for the Chase Compliance Department. However, to my dismay, the response I received mirrored the situation in XXXX. I was informed that they were unable to disclose any information and that I must navigate through this frustrating situation without being given an opportunity to present my side of the story or understand the grounds for the negative marking on my profile. 

This lack of transparency and denial of information not only impedes my ability to resolve the issue but also denies me the basic right to open an account with Chase Bank. I believe it is within my rights as a customer to be informed about the circumstances leading to the closure of my previous account and the subsequent negative marking on my profile. I am eager to address any concerns or rectify any issues that may have contributed to this situation. 

I kindly request that you review my case thoroughly, provide me with detailed information regarding the negative mark on my profile, and afford me the opportunity to present any necessary documentation or explanations to rectify the situation. I am committed to resolving any issues that may exist and would appreciate your assistance in ensuring a fair and just resolution to this matter. 

Thank you for your prompt attention to this issue. I look forward to receiving the necessary information and working towards a resolution. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
After filling out the recommended XXXX application I was informed my payment had doubled. I contacted AidVantage XXXX via email on their website. On XX/XX/XXXX and received an XXXX reply but no XXXX response. I attempted again again on XX/XX/XXXX where I did receive another automated reply and again, I received no actual reply. On XX/XX/XXXX I called in and spoke with a representative after XXXX minutes hold. The rep collected the exact same information that was submitted on the XXXX application. I asked for other options and was informed I would receive an email or a letter ( rep said OR and could not confirm which ). I have received no information. 
On XX/XX/XXXX I received an automated message stating I had called in and a rep had helped me so my online request is now closed. 

I logged into AidVantage to find my loans had been placed in XXXX without my authorization. 

The only contact I have received have been payment due notifications and my XXXX interest from my loans being placed into an unauthorized XXXX. 

Its disheartening knowing AidVantage is a subsidy of XXXX who has been operating XXXX XXXX for profit for years. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: SC

Complaint narrative:
ASSETCARE ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX XXXX Account Type : XXXX XXXX Account Type - XXXX XXXX XXXX XXXX  XXXX Code : XXXX XXXX Account Status : XXXX XXXX XXXX XXXX : - - Date Opened : XX/XX/2023 XX/XX/2023 Balance : XXXX} XXXX  No. of Months ( terms ) : - - High Credit : XXXX XXXX Credit Limit : - - Past Due : - - Payment Status : XXXX XXXX Last Reported : XX/XX/2023 XX/XX/2023 Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/2023 XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: TOWNE MORTGAGE COMPANY
State: OH

Complaint narrative:
XX/XX/2023 Dear Sir or Madam : I am having a dreadful time with Towne Mortgage, my relatively recent mortgage carrier. We took our a mortgage with them in XXXX of this year. Our first XXXX payments, paid through my XXXX XXXX service at my XXXX bank, went through without a hitch. We had the XXXX payment sent by the bank on XX/XX/2023. The bank account indicated the check was cashed by Towne Mortgage on XX/XX/XXXX. On approximately XX/XX/2023, we received a letter from them claiming the check had been returned and the funds returned. This is untrue. I met with my bank XXXX and the records were carefully searched. It is not actually possible to stop payment on a paid check anyway. No monies have been returned to either my bank or to us. 
I called XXXX XXXX at Towne Mortgage and was told the check had had a XXXX XXXX placed on it after it was cashed and the money returned. This is not possible. After a check is cashed it can not have a stop payment put on it. My bank checked carefully all records, no stop payment was requested, no money returned. They have provided Towne Mortgage with that information and, at my request started a dispute and investigation. Towne Mortgage, after promising to look into for me and get back with me not only has not done that, they have reported our payment as late to all of the credit reporting agencies. Our credit scores have gone down XXXX points as a result and we are being told by both our bank and Towne Mortgage that it will be XXXX days before this is resolved. Is this fair to ruin our credit for months when we did nothing wrong, the mistake is on their end? I have asked Towne Mortgage repeatedly to provide documentation of who supposedly stopped the check and who they sent the money back to, if they did, indeed refund money. It sounds like they either made an error, have an XXXX employee or have been hacked. 

Our payment was not late and was for slightly more than the amount due. They have now cashed the XXXX payment as well and have not said anything about a problem with it, at least not yet. 

I have filed a dispute all of the credit reporting agencies, and appreciate you taking a look at this XXXX XXXX practice. Thank you in advance for your work.information. This has been stressful and dismaying. 

I strongly suggest that all consumers avoid Towne Mortgage. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Uponreviewingmycreditreports, IdiscoveredthatEquifaxisreportinganaccountwiththenumber XXXX while both XXXX and XXXX have no record of this account. This inconsistency raises concerns about the accuracy and validity of the information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
There is a hard inquiry on my credit report on XX/XX/23 from the following : WESTERN FINANCE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This was not an inquiry authorized by me and I believe I've been a victim of XXXX XXXX. I called the number listed to gather details however it's not a working number. Upon further investigation on XXXX the number ( XXXX ) XXXX came up. I called the XXXX number which was apparently Western Finance 's XXXX number. There is an option to leave a voicemail however the voicemail tone never occurs so you're not able to leave a message. There is also an option to email disputes at XXXX however the email comes back as failed delivery to that email address. I called again and was transferred to the XXXX XXXX by pressing XXXX and explained my situation. She transfers me to the XXXX XXXX location where I spoke to representative XXXX. XXXX speaks with her manager and they state that XXXX can assist me as they are not able to. I informed them XXXX had transferred me to them. 

I have challenged this inquiry through XXXX however I'm not sure where to mail a XXXX dispute at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a dispute with Experian as to their investigation process for verifying and validating account ownership after I paid an account that I didn't own because Experian refused to remove the account from my credit report. Experian kept telling me that the account was verified as belonging to me while forgetting to tell me that Experian as a corporation receives XXXX compensation for the information reporting to my report. After I paid the account, it reappeared on my credit report with a different company than before claiming ownership. I refused to be extorted again and I disputed this account with Experian, and they told me that the account was verified, which is impossible. On XX/XX/2023 I received an email from Experian saying my dispute results from a XXXX complaint i filed. 


I hit the link to go straight to Experian 's website and I was unable to see the dispute results as I was Instructed. I contacted Experian by phone, and they refused to give me a copy of the complaint report or give me access online to see the results. Instead, Experian told me they can only read me the results of the report and could not give me anything in writing. The report is evidence that Experian, never investigated the validity of the account, compromised my non personal information, profited off of the furnishing of accounts on my credit report and personal information that never belonged to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Received in the mail XX/XX/XXXX Owed since XX/XX/XXXX XXXX XXXX asking for XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Received XX/XX/XXXX in the mail congratulating me on inquiry letter Creditor : XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX at XXXX transaction authorization history XXXX $ The XXXX XXXX XXXX XXXX  notice XX/XX/XXXX XXXX no date received in the mail XXXX XXXX inquiry on XXXX XXXX XXXX inquiry on XXXX Trans union is requesting me to make a XXXX report to get these XXXX inquiries off of my credit report i have no relationship with this company, therefore fraudulent. 

XXXX XX/XX/XXXX XXXX inquiry on credit report for XXXX XXXX XXXX XXXX bank inquiries are fraudulent Note : None of these companies have i had a prior or current relationship with and are all fraudulent.

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 2023-11-13 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
My right to privacy is fundamental. I have a right to choose what I want disclosed. However I did not consent to, authorize nor benefit from these inquiries listed on the XXXX XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I opened a " XXXX XXXX XXXX XXXX Account '' with TD bank in XX/XX/XXXX with an opening XXXX. 

According to their advertising and what I was told when opening this account, that the interest rate would go up based on the amount in the account. The starting interest rate as advertised should have been XXXX XXXX. After XXXX XXXX XXXX ( it is now XX/XX/XXXX ) the interest rate on this account is at XXXX XXXX. It has not changed and the account now has in excess of XXXX. According to the advertising this interest rate should now be XXXX XXXX, but it was still reading only .XXXX XXXX 

I called TD Bank today and explained this to them. Their answer was that they stopped using the " XXXX XXXX '' product and are onto a " XXXX XXXX '' moniker. And the bump rate only applies to this new " XXXX XXXX XXXX product. 

NOTE THAT the online banking at TD bank still shows the " XXXX XXXX XXXX XXXX '' language. 

The rate never moved since opening the account. 

I was never informed that my account was no longer in the current product line. 

I never got the advertised interest rate for the initial deposit nor the " bump '' in the rate for increasing my savings. 

HOW IS THIS LEGAL? After my call they are moving me into the new " XXXX XXXX XXXX XXXX '' line. But after having my money in there that long and only seeing a XXXX XXXX interest rate, shouldn't they owe me some money? This sounds like a scam! Any thoughts? 

Another bank is already being sued for this. 
XXXX XXXX XXXX This is exactly what is happening to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was being charged for XXXX and never authorized it and never used it for some woman on the internet. 
I wanted to cancel XXXX but they were unwilling to do so. I paid {$50.00} charged by the bank to cancel the payments but I am still being billed for something I never authorized or used. Could you please have the TD Bank cancel XXXX and no longer charge me the monthly fee. 
TD promised to reimburse me the fees for the past months but now refusing to do so. 
I am being charged for XXXX which I do not want and never ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In the early XXXX  hours of XX/XX/XXXX, I was out with friends as we were all on vacation in XXXX, XXXX. I got separated from the group, as I walked my XXXX  to her XXXX. I walked her to her XXXX, and after I went to call a friend to meet back up with them so we could get on our way back home. They did not answer. I stopped to text them, and as I unlocked my phone to text them- a unidentified man ran passed me and stole my XXXX from my hands- resulting in several fraudulent charges being made on my digital wallet, such as XXXX XXXX, and XXXX XXXX The XXXX XXXX and XXXX  fraudulent charges totaled greater than {$3000.00}. JP Morgan Chase and their claims department, have not been able to assist me or come up with a fair resolutions regarding these fraudulent charges. Although I have faxed them my full police report that showcases the phone theft and fraud, Chase stills claims that these payments were authorized by me. And they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
My name is not on this account. The name is XXXX XXXX. I don't know why it's on my credit report... we just share rent/utilities. Also, case was dismissed for XXXX in a court of law in XXXX XXXX. She has report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX ( Original Creditor : XXXX XXXX ) XXXX and Experian Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/2023 - XX/XX/2023 Balance : {$800.00} High Credit : {$800.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/2023 - XX/XX/2023 Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/2023 - XX/XX/2023

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my credit reports from each bureau, I noticed that the last payment dates for the aforementioned account differ among them. This inconsistency raises concerns regarding the accuracy of the information being reported. According to my records and the information provided by the creditor, there should be uniformity in reporting this particular account 's last payment date across all three credit bureaus. 
I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which emphasizes the importance of reporting accurate and fair information. According to Section 1681s-2 ( a ) ( 1 ) ( A ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The discrepancies in reporting for account number XXXX clearly violate this provision. 
Furthermore, under Section 1681i ( a ) ( 5 ) ( A ), if any information on a consumer 's credit report is found to be inaccurate or can no longer be verified, it must be promptly deleted. Given the inconsistencies in the reporting of the last payment dates for the aforementioned account, I request that you conduct a thorough investigation and take immediate action to rectify these discrepancies. 
I kindly ask for your prompt attention to this matter to ensure that my credit reports accurately reflect my financial history. Please provide me with a written explanation of the steps taken to address and correct the inaccuracies within the statutory time frame.OR DELETE immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Aspen Yo LLC
State: MS

Complaint narrative:
I called and spoke to several different representatives, and was told different information each time. I was told XXXX  by XXXX that they had everything they needed but it would take 4 weeks to get the funds back to me. I have been out of my home since XX/XX/XXXX of this year. I have the contractors ready to start and Gregory Funding is keeping me from getting back in my house this year. I have paid my payments on time and I am very frustrated. I really feel that Gregory Funding is only looking out for them as I have been out placed for 5 months. I would like for them to speed up the process where I can get into my home by the end of the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/2023, I called XXXX to follow up on an existing dispute to have a bankruptcy removed from my credit file. This may be my XXXX complaint to expediate the process. Upon awaiting results of this outcome to apply for funding ; so that, I do not receive a high interest from my application. As well as contacting LexisNexis about this situation. LexisNexis buys information from databases, and executes without a individual 's consent. Our court systems do not report this type of information to credit reporting bureaus. This was processed without my consent ; in which, it should not have placed on my credit report. As quick as it took to make it effective - I expect the same result in removing the information. Specialists are informing me over the phone that it remains on the file for 10 years. No, that is for someone who is not familiar with the laws involving FCRA, FTC, US Codes, and more. Now we have entered in violating my privacy right ( s ).

Company response to consumer: Closed with explanation