vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 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: GA

Complaint narrative:
CEASE AND DESIST I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Your company illegally reported private information and sold it to other reporting agencies, including XXXX, Equifax, and XXXX. I did not grant your company permissible purpose to report it, and I have not been notified that this information is being provided to the highest bidders. The alleged debt was during a time in my life of struggle, medical issues, and mental anguish. I have since sustained further emotional and psychological damages because of your company 's unfair and deceptive practices. I am currently rebuilding my life, but your companys willful disregard of my privacy and its reporting has damaged my character and is hindering my ability to provide for my family. As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting Account ( Acct # ) *XXXX XXXX  # # # # # # XXXX *XXXX XXXX XXXX XXXX XXXX {$9300.00} - - - *XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} - XXXX XXXX *XXXX XXXX XXXX XXXX {$0.00} - - - *XXXX XXXX XXXX XXXX {$0.00} - - - *XXXX XXXX  XXXX {$250.00} - - - *XXXX XXXX XXXX XXXX {$0.00} {$0.00} *XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX Inquiry *XXXX XXXX XXXX via EQUIFAX MORTGAGE SERVICE XX/XX/XXXX INQUIRY XXXX XXXX XXXX  via XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRY *XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX STO via XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX INQUIRY to your consumer reporting agency. 
- Remove reporting from all consumer reporting agencies. 
- Provide acknowledgment of this official notification that I am opting out of your reporting. 
Do not report ANY information bearing my identification. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
From XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, Chase credit card charged me 5 transaction fees totaling {$52.00} and 2 cash advance interest fees totaling {$12.00} related to XXXX payments. Prior to the XX/XX/XXXX transaction fee, XXXX transactions were not assessed a fee. Chase did not inform me of the change to its fee structure. I requested refund of the fees but Chase said it could only refund 2 of them. I would like all of the fees refunded because Chase did not clearly and plainly communicate that XXXX transactions would be newly subject to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHECKredi of Kentucky, LLC
State: MA

Complaint narrative:
I use XXXX gas rewards, which requires a bank account to be linked. When I changed banks, I forgot to switch this account. When a gas charge was not able to go through, rather than simply informing me I need to update my payment information ( like any other company I've ever done business with! ), the payment was referred to the debt collector CheckRedi who immediately charged a {$35.00} fee. When I called they staunchly refused to waive the fee stating it was in the terms of service. XXXX also passed the buck to CheckRedi and said nothing can be done. Given I just got married and changed a variety of accounts and credit cards, I inevitably forgot a few accounts and didn't have updated payment information on file for a few recurring charges. In every other instance, as you would expect, I was informed by the business that I needed to update my payment information which I promptly did. Charging a {$35.00} fee for this and pointing to fine print in terms of service for gas rewards that no one would ever read is so absurd it's hard to put in words. This is an exorbitant and exploitative business practice that should be immediately stopped. I would be filing complaints with the MA Attorney General and Consumer Financial Protection Bureau as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
RELIANT CAPITAL SOLUTIONS , LLC is attempting to collect on a debt that has expired concurrent with the statute of limitations. Statute of limitations law in Texas is 4 years for credit card debt. The statement I just received from RELIANT CAPITAL SOLUTIONS , LLC on XX/XX/XXXX in response to my debt validation and dispute, is dated XXXX. I have communicated to them in my dispute that the debt is not mine as the statute of limitations has expired on this debt therefore they can no longer collect on said debt. They refuse to comply. I have been disputing this collection for several months to no avail. The debt is no longer valid and 3rd party collection agencies keep trying to buy it and force me to pay it, which is having negative affects on my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
I was trying to refinance my home with a new lender, and during this process we found out that we needed to have the Covid relief HUD partial payment paid off before we can refinance. Unfortunately, our current lender Midland Mortgage never claimed the partial payment from HUD and due to this negligence I am now not able to refinance my home before the new lender rate expires. 
I have contacted HUD, who stated that Midland never claim the partial payment and they have no record of such lien. I have tried resolving this issue for several weeks now and just keep getting the round around from Midland Mortgage. I have spoken to several reps and supervisors ( rep XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Loss Mitigation supervisor XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and all I get is lies. They claim that they submitted the claim in XXXX but HUD has no record. They claim that they don't know what happened and that the claim is " in limbo ''. REALLY!! Then they claim that they were having problems processing the claim with HUD.???. Today XX/XX/2022 after several weeks OF LIES now they claim that upper management is working on it. I am unable to refinance my home and have lost the rate with the new lender due to the incompetence and negligence of Midland Mortgage.

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 2022-11-04 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: GA

Complaint narrative:
There are numerous inquiries on my credit report that were not authorized. I have not ran my credit in the last 3 years except for my application with XXXX XXXX  in XXXX of 2022. This has caused my credit score to drop and my interest rate to raise on my mortgage.

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 2022-11-04 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: REGIONS FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/XXXX, one of our business cards was used to make four ( 4 ) purchases of {$150.00} each ( total of {$600.00} ) for XXXX XXXX. Fleetcor notified us of potential fraud, and we informed them that the transactions were fraudulent because the employee who supposedly used the card was an hour away from where the charges were made. We also immediately cancelled the card. After filling out the proper paperwork, XXXXeetcor is refusing to process our claim. It isn't that the gas station has denied our request. It is that Fleetcor won't even attempt to process a chargeback because we have more than 10 cards with them. This was their immediate response : Upon review of the available information, which includes but is not limited to transactional data, account history and information which you have provided on the dispute form, it has been determined that the charges in dispute are not covered under your Cardholder Agreement, and therefore we are unable to approve your claim. 

Your Cardholder Agreement states : Federal Regulation Z for Business Use : You agree in any event that if at any time you have been issued ten ( 10 ) or more cards at your request, then you waive any and all limitations of liability for unauthorized use of such cards. 

While our real-time transaction monitoring systems are examining your account 24/7 for suspicious activity, we recommend that you frequently review your account for unauthorized purchases. Customer service is available 24/7 if you'd like assistance on the best way to use our online tools to monitor suspicious activity.

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 2022-11-04 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Claim ID : XXXX Account ending : XXXX Please help. Bank of America is not honoring their fraud and theft policy. Also no one answers the phones in the Fraud Department, and they have denied my claims which is against their fraud and theft policy coverage for clients.

I wait for over 3 hours on hold each time I attempt to contact the Fraud department. 
I received a notification that my claim ID XXXX in the amount of {$6500.00} was denied on XX/XX/2022. I called the fraud department to reopen the claim and send in the police report. 

Also, please see my below statement as to what happened : On XX/XX/2022 I went surfing in XXXX, CA and left my wallet and phone in the car. There is a group of criminals who target surfers in XXXX for this reason. The criminals stole my wallet and phone out of the car and went to the XXXX XXXX in XXXX XXXX and were able to use my card to purchase {$6500.00} worth of merchandise. They were able to authorize the transaction because they had my ID and my cell phone and were able to call Bank of America to verify my identity. On XX/XX/2022 I filed the police report and was able to verify my identity with Bank of America because I got my new phone from XXXX. Up until XX/XX/2022 Bank of America would not allow me to freeze my credit and debit cards because they could only use my phone to verify my identity. 


They also were able to charge {$6900.00} on my Bank of America debit card at the same XXXX XXXX and I opened a separate claim for that amount. Claim number : XXXX Additionally, They were able to XXXX transfer {$3000.00} to someone named XXXX using my XXXX. I assume they were able to do this because they had my cell phone. You can see in the below screenshot they also tried to make several other XXXX transfer to someone named XXXX claim number is XXXX. The XXXX  claim was already approved and paid to me. I just need my other two claims paid now as well. 

Please review the information and assist. I can provide you with all the information you may need. Thank you XXXX XXXX XXXX XXXX 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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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. 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 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 2022-11-04 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:
I previously disputed the attached XXXX XXXX bankruptcy, docket # XXXX with Experian. See Exhibit ( A ). I specifically requested the METHOD OF VERIFICATION that was used in their investigation, as well as the documents they obtained to verify the bankruptcy, pursuant to the Federal Fair Credit Reporting Act 611 ( a ) ( 7 ). See Exhibit ( B ).

Their response to my request was, ( THE COMPANY THAT REPORTED THE INFORMATION HAS CERTIFIED TO EXPERIAN THAT THE INFORMATION IS ACCURATE ). Experian not only failed to provide the METHOD OF VERIFICATION, after contacting the Bankruptcy Court, it is clear that the courts DO NOT report information to Experian or ANY other credit reporting agencies, for that matter. See Exhibit ( C ).

I need clarification as to whom or what third party ( if any ) CERTIFIED and provided such information to Experian. A copy of the certified letter or communication would suffice. 

It is a fact, that third party agencies such as XXXX, are sellers of consumer information. It is a fact that credit reporting agencies, like Experian, purchase consumer information from third party agencies. It is a fact that bankruptcies are filed with the courts and NOT the credit bureaus. See Exhibit ( D ). 

US Bankruptcy courts are NOT furnishers of information 's, which means that Experian 's results would be considered FALSE REPORTING, which is a direct violation of the Federal Fair Credit Reporting Act 611 ( 15 U.S.C. Section 1681 ), and this information must be DELETED 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 explanation
Consumer complaint received 2022-11-04 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:
There are numerous inquiries on my credit report that were not authorized. I have not ran my credit in the last 3 years except for my application with XXXX XXXX  in XXXX of 2022. This has caused my credit score to drop and my interest rate to raise on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are numerous inquiries on my credit report that were not authorized. I have not ran my credit in the last 3 years except for my application with XXXX XXXX in XXXX of 2022. This has caused my XXXX XXXX to drop and my interest rate to raise on my mortgage.

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 2022-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
XX/XX/XXXX XXXX called NCB MANAGEMENT SERVICE spoke to XXXX  she said it was with XXXX XXXX XXXX XXXX for XXXX and that the application was from XX/XX/XXXX deposit was sent to XXXX XXXX  XXXX who confirmed no deposits were received outside of payroll from XXXX when this account was closed. XXXX advised they need to do some research and see what is going on with the account. 

XX/XX/XXXX XXXX XXXX  called XXXX XXXX XXXX XXXX  XXXX is escalating to another department and I would be contacted back, XX/XX/XXXX XXXX Called NCB MANAGEMENT SERVICE XXXX XXXX advised they have requested the validation of debt XX/XX/XXXX XXXX XXXX went through all statements for XXXX no deposits were made on account. Account was closed on XX/XX/XXXX. Can not make a deposit in a closed account. 

XX/XX/XXXX XXXX Spoke to XXXX  at NCB MANAGEMENT SERVICE. was told they can not look up the documents they sent me. They will be sending me the fraud packet XX/XX/XXXX XXXX XXXX  Called XXXX Spoke to XXXX  who transferred to XXXX  supervisor Says she can't access the account transaction history. She will be sending me an email letting me know what information is needed XX/XX/XXXX XXXX filed report with offer XXXX Case number XXXX XX/XX/XXXX sent copy of the Police report and id report from FTC to NCB MANAGEMENT SERVICE & XXXX XX/XX/XXXX sent copy of the Police report police report and ID to the credit Bureau who modified the dispute to an id theft XX/XX/XXXX XXXX  reduced my credit limit due to this negative item on my credit report. I am now having adverse action taken against me because of this item. When I called the credit Beru they said they cant do nothing until they finish the investigation XX/XX/XXXX XXXX XXXX  called and spoke to XXXX  said we got the documents on XX/XX/XXXX it is something we must investigate and resolved. We will get the fraud packet out to you and this is something we are trying to resolve but it does not happen over night will take some time. 


Now I am facing adverse action due to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which cause severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report and under 15 U.S code 1681e ( b ) and 15 U.S code 1681 i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is attempting to collect on a debt that has expired concurrent with the statute of limitations. Statute of limitations law in Texas is 4 years for credit card debt. The statement I just received from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in response to my debt validation and dispute, is dated XXXX. I have communicated to them in my dispute that the debt is not mine as the statute of limitations has expired on this debt therefore they can no longer collect on said debt. They refuse to comply. I have been disputing this collection for several months to no avail. The debt is no longer valid and 3rd party collection agencies keep trying to buy it and force me to pay it, which is having negative affects on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX - Return Order ( Order XXXX ) Label provided bXXXX XXXX - Tracking # XXXX ) XXXX XXXXXXXX - Equipment returned to XXXX via XXXX XXXX XXXX  using return label provided by XXXX XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter from XXXX requesting payment - {$290.00} XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter from XXXX  " Final Notice. '' - {$290.00} XXXX - Letter to Convergent Outsourcing disputing charge - {$360.00} - {$360.00} XXXX - Accessed XXXX Report # XXXX XXXX XXXX Received letter from Convergent - claims to have " verified the information with the original creditor. '' - {$360.00} - {$360.00} XXXX - Email to Convergent disputing charge - {$360.00} - {$360.00} XXXX - Received phone call from Convergent - Asked them to call back in a couple of hours -- they agreed but never called. 
XXXX - Email to XXXX regarding their " response '' to XXXX. 
XXXX - Opened dispute on XXXX Tried tracking shipment -- XXXX could only track back 18 months. All they could tell me was that it had been delivered. Credit Score dropped almost XXXX points with this " collection. ''

Company response to consumer: Closed with explanation