vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I ordered some mud tires through XXXX XXXX XXXX and that was a couple of years ago. I have not been able to pay it since then. I am currently working on my credit. The company that has been harrassing me with calls and letter is Midland Credit. The last notice I recieved from them was today XXXX as a final notice. Stating they will take legal action. They said they will send my account to an attorney after XXXX. My MCM account number is XXXX, the owner is Midland Credit Management , INC Please help me because this isn't right. They have been threatening me for the past year and they are stressing me out.I do plan on paying but not right now because I have other bills I need to pay as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 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: NC

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hello my name is XXXX XXXX. On XXXX XXXX I received a text message from the chase fraud team stating there was a {$490.00} transaction at a XXXX XXXX XXXX in XXXX Florida. I live in Michigan so I was nowhere near XXXX. I immediately responded to the text message by answering NO. I than received a reply saying I will be contacted soon. I received a called from XXXX. The person on the other end states they were a supervisor at the chase fraud department. They said that there were multiple transactions another one for {$9900.00} and 2 wire transfers for {$50000.00}. The person on the other end stated his name was XXXX XXXX. He told me and explained to me that he wanted to REVERSE the transactions and took me step by step on how to do it. He than asked me to provide him with the one time code twice because it was sent to me. The phone call lasted for over a hour while he was trying to REVERSE the money. He than said he will call me on XXXX XXXX. Which was a Saturday we talked for a few mins and I was advised that XXXX get a call back. On Monday XXXX XXXX. I received a call again but while I was on the phone I noticed money coming out of my account since I sign in daily on my mobile app. Than I received a call from THE CHASE FRAUD DEPARTMENT saying to hang up and that there is unusual stuff happening in my account. I immediately hung up on the other person. I than went into a chase branch closed my personal account my personal savings and personal business. I filed a affidavit and a police report in the next two days. I waited for about a week just to get a message from chase saying that I was at fault for providing the CALLER the ONE TIME CODES I explained to them that I was clearly scammed. It showed exactly to whom the money was wired and into which banks and the chase fraud department still blamed me. In other words the easiest thing is to always blame the client since they cant CATCH the criminals doing this. I am confused lost at words. Not sure what to do. A {$100000.00} gone in minutes. I explained to them since they blamed me how come they didnt NOTICE anything unusual on time. They couldnt answer me. I dont explained to them that I just want my money back. My hard working money that Ive been saving all my life. In other words theyre blaming me while rewarding the criminal. Its funny because if I was to go into a branch to ask for {$5000.00} of my money .They would ask me a ton of questions but they wont even notice a wire fraud and reward a criminal within minutes with everything Ive ever saved. Please help me someway somehow if possible. I am really at a point where I dont know what to do anymore. I did everything that was asked of me and Im still being blamed for everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Albert Corporation
State: IL

Complaint narrative:
Albert financial services is an app that gives mobile cash advances. Been with them for a year no problems. What happened was on XX/XX/2022 I was eligible for a cash advance of {$200.00} was the advance cleared they took out {$210.00} from account on XX/XX/2022. I contacted them and they claimed that I owed money for XX/XX/XXXX and XX/XX/XXXX. Surprised to hear that because I assumed that this was already paid off and if it was not I should not be eligible for any cash advance. I mentioned this to them so they took out {$210.00} on XX/XX/XXXX and will take out {$200.00} on XX/XX/2022. My issue is I should have not be eligible for any advance until the past bill paid off period. I have never had a problem with and I feel they should refund me the {$210.00} because I should have been offered another advance if I had one already outstanding.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX ] XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXXXXXX : XXXX ] Reason : [ NEED IT REMOVE ASAP ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-12 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 item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My brother, XXXX XXXX XXXX passed away on XX/XX/2022. I, XXXX XXXX XXXX XXXX was named as successor in interest. I filed paperwork with Rocket Mortgage on XX/XX/2022. They have repeatedly sent the Affidavit Confirming Successor in Interest. The form was also notarized. In addition to sending these several forms in, I also sent a death certificate along notarized Affidavit- Death Of Trustee showing my name as the successor of property. Rocket Mortgage simply returns the same form back to me asking for duplicates of items sent! All paperwork has been sent XXXX overnight delivery. I have receipts showing Rocket Mortgage signed for these papers. The homeowners insurance is coming up for renewal as well as year end taxes and I am very concerned about this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX  was debited from my account on XX/XX/2022 without services being rendered. From XXXX  With debit card ending in XXXX This money needs to be returned back to my account IMMEDIATELY

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 2022-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have been trying to drop my mortgage Insurance since XXXX of 2022. Each time I call they tell me that someone will contact you within the next 30 days to set up an appraisal. However 30 days passes and nobody calls when I call the Mr.Cooper to see what happened they tell me that they do not have any record of me calling. Incidentally I have a letter from Mr. cooper that was sent to me in XXXX of 2022 that it says they did an AVM and it shows that I have more than 20 % Equity in the home. In addition I have spent more than {$70000.00} in upgrades and I have all receipts to show. However with all the requests that I have asked them they refuse to drop he Mortgage Insurance or send an appraiser. I need help Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: Consumer Adjustment Company Incorporated
State: MD

Complaint narrative:
This company made duplicate accounts for me charging me for the same thing twice. I was unaware of this transaction on my account. 

XXXX XXXX Account was over 7 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV FUNDING LLC IS STATING I OPEN AN ACCOUNT WITH THEM XXXX XXXX AND OWE {$9300.00}. MY ORGINAL CREDITOR IS XXXX ACCOUNT OPENED XX/XX/XXXX. LAST PAYMENT MADE WAS XXXX XXXX AMOUNT OWED {$750.00}. IVE WRITEN LETTER AND THEY ARE STATING I JUST OPENED THIS ACCOUNT. THIS SHOULD HAVE BEEN REMOVED FROM MY CREDIT XX/XX/XXXX. IT IS BEING REPORTED EVERY MONTH AS A NEW DEBIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD

Complaint narrative:
XXXX XXXX XXXX AND XXXX {$810.00} This has been over 7 years I filed a dispute with the company nothings being done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I ordered a wig from this company called XXXX hair and it arrived XX/XX/2022. I had other financial obligations that were much more important so when the XXXX XXXX arrived, I told them I refuse the package and ask if I could receive confirmation the package would be returned. The XXXX told me to take a picture, so I did. I found out it would be the same tracking number which was XXXX so I tracked it and it kept showing me that it was sitting in XXXX, AZ I knew that couldn't be right after more than two weeks. I had disputed it with PayPal Credit soon as I sent it back to make them aware. They removed it but then added it back like if I owe it. The seller XXXX hair is upset, the person I was communicating with tried to text me in XXXX, but the message disappeared, but she asks me to give her {$40.00} for shipping. This made me uncomfortable because no one ever asked me this. The seller was upset when I told her no. The seller knew that a case was opened with XXXX, and they provided another tracking number which is XXXX and case no. XXXX. I called PayPal credit and gave them this information and today when I called again, they didn't even have this information documented so I had to give it to them again. The account manager I spoke to XXXX who was pleasant advised me that they were closing it out again and I have all this proof, but they aren't trying to tell me where I can send it and they won't document it. My trust is gone with this company and others. This is through PayPal credit but the bank who has lended the credit is Synchrony Bank. I have never been told to contact Synchrony and they make it difficult who to handle this matter with, but I have reach out to both.

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 2022-10-12 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 negative account 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 Transunion more than 21 times. transunion 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 they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2022-10-12 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: FL

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Reference Number : XXXX 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 explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: OR

Complaint narrative:
Roundpoint Mortgage Servicing just purchased my mortgage loan. They sent a letter stating I need to make the first payment, after that going forward, they will set up auto deductions from my checking account for next month 's payment due XX/XX/XXXX. I did as they requested and forwarded XXXX 's payment to them which they cashed. Then a week later, they debited my checking account for a second XXXX 's payment, which resulted in two payments and overdrew my checking. I tried to stop the payment through my bank, they said Roundpoint would have to stop or reverse the ACH. The same day I called Roundpoint to stop payment and they did nothing. They requested for the letter I received and said they could reverse payment if they received it. Today, XX/XX/XXXX, they received payment. I called several times and spoke to different reps ; one refused to assist and wouldn't allow me to speak to a manager, the second rep hung up on me. Another rep said he would leave detail notes on my account and a supervisor will call me back. No response. When I told him that I spoke to XXXX yesterday that was also suppose to leave detailed notes and the funds were to be returned electronically, he said he didn't know about that. From Roundpoint wrongly debiting my checking account twice has left me overdrawn. 

Thank you very much for any assistance.

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