vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
Monthly payments started around at XXXX then Escrow hit and went upto {$1800.00}. Sent in all Escrow payments and they never decrease mintly payments, continue to pay extra from XX/XX/XXXXXXXX  to XX/XX/XXXX. Made several calls and fax letters and no corrections. 
As of XX/XX/XXXXXXXX  Escrow has been paid and they still trying to get more Escrow money out of me. The company : CMG FINANCIAL MORTGAGE has been a problem since they took over my loan and will not get back with me. All representatives that I've spoken to put in escalations but nothing is being done. They owe me n I'm tired of will get back to you and never do or correct the issue.. $ $ $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX ( XXXX  ) is the inquiry or account i did not authorize on my credit 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 2023-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 can not furnish a account without my consent

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I.XXXX XXXXXXXX have not authorized these inquiries and have no knowledge about them.They are on my Equifax and XXXX Credit Reports.They do not belong to me and I filed a FTC ID theft report today.I want them removed asap.Thank you. 


EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Third party using and storing my personal information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
Lexis Nexis and XXXX XXXX is violating my federally protected rights and reporting misleading information I have not given them permissible purpose to use my furnish my private personal information also The CIVIL COURT OF THE CITY OF NEW YORK - XXXX XXXX Did not furnish the information therefore it can not be verified as accurate stating that the information is verified is fraud and misleading and is a violation of federal Law. instead you infringe upon my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I has sent multiple letters over the last 3 month trying to make XXXX  and experian follow the law. First letter was received by XXXX on XXXX. Experian received theirs on XXXX. Second letter received by XXXX and experian on XXXX. Third letters were received XXXX by both credit bureaus. Fourth letters received XXXX. All of these letters demanding several accounts be removed from my credit report as XXXX and experian are in violation of : 15 USC 1681 section 602A 15 USC 1681 section 604A sec 2 15 USC 1681c a5 15 USC 1681s-2 ( a ) ( 1 ) I have made every attempt to settle this matter outside of court. The bureaus simple refuse to follow the law. I am demanding one last time that the accounts i ask them to delete from my report be deleted immediately. Otherwise i will have no choice but to file a claim against XXXX and experian for multiple violations of the FCRA, the ECOA, and the Privacy act. XXXX had no problem following the law and removing these items. XXXX and experian must follow suit and do the same as they are all required by law to report accurate information. All three reports must match. 
30 days is almost up and they have not removed the items from my credit report. They are giving me no choice but to 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 2023-04-13 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: NV

Complaint narrative:
in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

The dates and companies listed below have violated my rights on the dates listed below. 

XXXX XXXX  XX/XX/XXXX & XX/XX/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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/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 2023-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
my paypal account got hacked and an unauthorized transaction was made for the sum of {$1100.00} using my credit card thats on file. reported it to paypal and the case was closed immediately without further investigations and stated that i authorized the transaction. which i didnt in any shape or form i made the transaction. i already changed my password and called my credit card company hoping to get some money back, i can provide info of the scammer/hacker which clearly appears on the transaction with paypal, they charged paypal fees but never helped actual complaints!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2022 I received and email about a new credit card. I checked my credit and noticed a brand new account and address that did not belong to me. 

I have filed a claim with the IDTheft.gov and tried to dispute with credit companies. 

I do not reside nor have I ever resided in the state of FL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-04-13 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: TX

Complaint narrative:
Why have you sent me a statement that the creditors have verified my accounts? You've failed to send me any documentation that verifies this and I've also called and was told that there was never an investigation. Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumers request. It has been well over 15 days which means that you are in violation of the FCRA. To avoid further action, please forward to me a description of the procedure taken in order to determine the accuracy of these accounts, including but limited to, the name of the creditor, along with their address and phone number. Also, I want to know who you spoke with and on what date. Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account XXXX XXXX XXXX is incorrect and the late payment in XX/XX/ should be deleted because I was never late.

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 2023-04-13 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have been trying to get this derogatory off my credit report for months. I have sent in 4 disputes and nothing has been done. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.

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 2023-04-13 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I originally filed a report with your agency back on XX/XX/XXXX, # XXXX. At that time, your agency would not listen or even attempt to assist me with the ongoing fraudulent activity happeneing with Navient and within the University XXXX XXXX. In XX/XX/XXXX, Navient agreed to pay more than {$31.00} XXXX  in relief to XXXX  borrowers due to this. WHY was mine not included? I looked for your agency to be the voice of the people and assist us - your agency was far from that. 

As part of the XXXX XXXX XXXX settlement, I have been automatically granted relief with my student loans that had been fraudulently placed on forebearance, out of control payment plans, and more. Navient had been known for predatory tactics and taking advantage of many. Your agency should be ashamed for not listening not just to me by the countless others who looked at you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
A hotel reservation was made in XXXX for XXXX XXXX Maryland. On XX/XX/XXXX, the reservation was canceled and a merchant return for the amount of {$740.00} was sent to my Ollo XXXX on XX/XX/XXXX. Ollo XXXX  is holding the money as a pending and they are telling me it takes 30 days for the amount to post back to my account.

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 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a balance transfer # XXXX expiring on XX/XX/XXXX for {$3900.00}. Which would then go to 19.49 % on XX/XX/XXXX per their transfer agreement. So on XX/XX/XXXX I paid {$400000.00} to roll over to XX/XX/XXXX per their new offer. Somehow their system did not apply the payment to the XX/XX/XXXX balance at 19.49 % but reduced my other open balance transfer due XX/XX/XXXX which was {$4000.00} on XX/XX/XXXX to {$1200.00} which was at 0.99 % already! and instead of creating a new balance due for around {$4000.00} due XX/XX/XXXX it only shows for {$2200.00} at 0 %. I have called many times since around XXXX and talked to various customer service people that are clueless.I even went in person to a Citibank branch in XXXX XXXX and they got me on a special line to repeat it all again. That person at least credit me the 19 % charges for the month of XXXX of {$64.00} but nothing yet on the other months : XXXX $ {$44.00} ; XXXX {$68.00} and XXXX {$59.00}! Last time I called Citi XXXX weeks ago they said would be fixed in about a week! That would have been last week! I need all those amounts credited and my balance transfer to be due on XX/XX/XXXX for {$4000.00} at 0 % and the screwed up one due XX/XX/XXXX for about {$4000.00} at .99 % asap!

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 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received my direct deposit at XXXX XXXX PST. I awakened this morning and could not access my CHIME account. I tried to use the " forget password '' option and found the phone number it attempted to send the verification code to was an unrecognizable number. I had to go through a verification process using my California Driver 's license to change the number back to access my account. I accessed my CHIME account and found my savings had been transferred to my checking, and all of my funds had been withdrawn in rapid sequential amounts starting at XXXX XXXX  PST totaling {$980.00} They are all pending. I contacted CHIME to cancel these pending transactions and return my money. And even after explaining the situation, they would not. They explained that they needed to wait 7-10 days until the transactions were settled or canceled on the merchant 's end, even after showing the illegal access occurred in New York XXXX and that I live in XXXX. I, of course, canceled the card but they will not give me my money back. They will not comply with banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
15 U.S.C 1681s-2 ( a ) ( 1 ) The Inquiries listed below are fraud and inaccurate and are not mine. I need These inquiries removed from my credit report immediately. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CO

Complaint narrative:
I recived a validation of debt from I.Q Data international today XXXX XXXX letter is dated XX/XX/XXXX. I have attached This letter for your review. They are stating the principal balance due is {$740.00}, interest due in the amount of {$240.00}. How is interest legally charged on this debt? The lease information section states my lease end date as XX/XX/XXXX and my move out date is XX/XX/XXXX. My move out date and lease ended on XX/XX/XXXX per the terms of my lease and signed notice to vacate. Resident information has my prior address listed as my primary and my forwarding address as other. Why wasnt my address updated accordingly? If a notice was sent it was intentionally sent to the incorrect address. This is a very shady tactic! Charges are listed for damages and XXXX XXXX Original amount owed for damage is {$200.00} and balance due is {$660.00}. How did this amount increase? XXXX XXXX has original amount XXXX with balance due of XXXX. How did this amount decrease? There is a due date of XX/XX/XXXX listed however I never received a bill until this debt was reporting on my credit. At that time I contacted the courtyards at XXXX and spoke with XXXX who was the leasing manager and she stated she would send me a break down of fees via mail however I never received this. When I reached out to I.Q Data the lady I spoke with refused to provide me with a breakdown because the time period to validate the debt had expired. I wrote several letters to the credit bureaus disputing this debt to only receive generic response and no real investigation because the time period had expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THERE ARE ADDRESSES ON MY CREDIT REPORT THAT ARE INACCURATE AND MUST BE REMOVED AS THEY ARE HINDERING ME FROM PROPERLY FILING FOR FURTHER CREDIT.

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 2023-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I just received a notice from Kohls and Capital One that the rates are going to 30.24 %! This is similar to my other cards, but not as high. However, even my good credit card from my credit union is over 10 %. 

At what point is it predatory lending? This is the interest rates we need to fight right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
This morning XX/XX/2023 at XXXX central time I received email confirmation that I have successfully opened a new bank account with Bank of America XXXX 
This activity is not authorized by me or anyone I could know, I think this is related to fraud and identity theft. I am not sure how they were able to open up a bank account without my authorization.

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account number XXXX, XXXX XXXX  with account number XXXXXXXX XXXX XXXX with account number XXXX, XXXX  XXXX  with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 
However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 
I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 
If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 
Thank you for your attention to this matter.

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