vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> i contacted Experian about the fraudulent activity on my report and the XX/XX/year> they responded by stating they investigated the matter which was not done according to the codes, which is to reach out to the original creditor and not the debt buyer which was what Experian did, the debt buyer must show the forward flow agreement, and where i had where they had signed my wet signature. The debt buyer does not have first hand knowledge so therefore the alleged debt is deemed invalid. Experian did not provide me with the evidence information on the XXXX through XXXX XXXX to the company in question, which is required by law. I want to know how Experian communicated with the company. I need all above mentioned information in order to accept their determination.

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 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I wanted to see what was on my credit report. Today is XX/XX/year> and I didn't know I had a collections. I never owned XXXX. I never used them or will use them. I have a XXXX debt that I don't know anything about. It's hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
I made sure lender Roundpoint Mortgage Servicing llc. is aware that I have a homeowners policy in place and I am not going to pay for any policy they purchase. I have already sent proof there was no lapse in my insurance on XX/XX/year> by uploading it to their website as requested in a letter I received that day. I got another letter from them on XX/XX/year> so this time I emailed the proof of my insurance to them while on the phone with their representative. She confirmed she received it. 

Today the mortgage company advised in email : " We are reaching out to advise of the escrow disbursement recently completed on your behalf. Please see the information regarding this disbursement below : Disbursement Date : XX/XX/year> Disbursement Amount : {$2300.00} Disbursement for : Insurance Please note, this email is intended to be used for informational purposes only. There is nothing needed from you at this time for disbursement. '' I responded by attaching the proof of insurance to and sent to them. Since there has never been a lapse in coverage on my policy I am not responsible for any policy they take upon themselves to purchase. 

It seems they are unjustly ignoring the proof of homeowner 's insurance coverage so they can take money they are not entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
XX/XX/year> a new Escrow Audit changed the Escrow amount only, which resulted in a changed total payment amount. Principal and interest payments after XX/XX/year> were timely, however excluded the additional Escrow amount as payer was unaware of the change. The Escrow account maintained a positive balance and no liability was incurred. Mortgage servicer held the timely payments in " suspension '' as " incomplete '' and did not apply any of the payment to XXXX XXXX XXXX, and charged late fees. Subsequent months payments included the additional Escrow amount ; however, mortgage servicer applied a part of subsequent payments to the previous " suspension '' payment in order to complete the previous months total payment, and then held the current payment in " suspension '' as " incomplete '' and did not allocate to XXXX XXXX XXXX and charged late fees. This procedure was not disclosed to the payer as the statements both paper and online showed on-time payments and no change in total amount due, only positive Escrow balance and increasing late fees. This is a deceptive and hidden practice to increase late fees without any loss of payment or incurred escrow liability. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following dates ) : XXXX XXXX XXXX XXXX XX/XX/year>. Experian XX/XX/year>. XXXX. 
These dates do not agree with each other, that is inaccurate information. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would time fore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2024-07-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Checking my credit report a few months ago, I discovered errors regarding the Accounts of XXXX XXXX  ( XXXX, XXXX ), XXXX  ( XXXX ) and XXXX XXXX  ( XXXX ) are violating my rights. I disputed these errors directly with the three credit bureaus and the creditors themselves ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The companies in question are violating the sections of 15 USC : 15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX. This concerns the closing of a Business Checking Account at Chase Bank. The account number was # XXXX under the name XXXX XXXX XXXX XXXX, XXXX # XXXX. 
XXXX. On or about XX/XX/year>, I called Chase for assistance in closing the account. The reason is that the business is no longer active. There was a small amount of funds in the account ( {$25.00} ), which I requested be transferred to my personal acct. at Chase. The Chase representative advised that the funds could not be transferred and they would have to issue a check for these funds. 
XXXX. In fact, I did receive a Chase cashier 's check for {$25.00} made payable to XXXX XXXX XXXX XXXX. However, when I took the Chase cashier 's check to a local Chase branch to cash or for deposit into my personal account, the branch advised that it could not cash or deposit the check because XXXX XXXX XXXX XXXX did not have an acct. at Chase. The Chase XXXX advised me to call the Chase Business dept. to reissue the Cashier 's check in my personal name. 
XXXX. On XX/XX/XXXX, I spoke by telephone with XXXX individuals at Chase on this issue ( over a 45 minute period of time ), the last such person by the name of " XXXX ''. I was advised that the matter needed to be " escalated '' but that I would hear from someone within 1-2 business days. 
XXXX. No Chase follow-up occurred. So I followed up with Chase on XX/XX/XXXX. I spoke with someone named " XXXX '', who transferred me to someone name " XXXX '' who in turn transferred me to someone name " XXXX ''. 
XXXX. XXXX advised that it could not re-issue the check. The only solution was to go back to a Chase branch, re-open an account in the name of XXXX XXXX XXXX XXXX, negotiate the check, and then close the account. However, XXXX XXXX XXXX is no longer active. XXXX then " apologized '' but advised there is no solution at Chase and ended the call. 
XXXX. This is a very, very, very small matter ( {$25.00} ). But it is also a problem of Chase 's creation where ( a ) they issue a check rather than transfer the funds to my personal account as requested and ( b ) now decline to honor the cashier 's check which they issued. This seems to be extreme bad faith on the part of Chase Bank. 

Can you assist? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-25 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: UT

Complaint narrative:
In XXXX of XXXX I received multiple dubious charges for " cosmetics. '' These were for {$99.00} on XX/XX/XXXX, {$99.00} on XX/XX/XXXX, and {$190.00} on XX/XX/XXXX. 

I called on XX/XX/XXXX with concerns about these charges. I indicated I did not authorize the charges, and that they were fraudulent. I was instructed they would be changing my credit card, and assured they were taking care of the charges. I was not told I needed to follow up on any online site to ensure my chargeback went through, I assumed because they were obviously fraudulent. 

The charges were indeed reversed and I went about my business. 

On XX/XX/XXXX, I was troubled to find out that the charge for {$190.00} had been reversed and I was again charged for this fraudulent sale. Apparently there was a " message center '' that was used to contact me about additional information. This should have been unnecessary - as the paperwork was obviously fradulent and used a fake email, claimed that I was using a pakistani IP address to make the purchase, and invented a fake email for me. 

During the time that this " message center '' request was made, I had logged into the citi.com website and logged in to make a payment. At no point was I given any indication that I needed to follow up on my fraud chargeback. In fact, from what I can see the message center is inaccessible from the mobile citi.com website that I use for the Costco credit card to pay bills. No attempt was made to call me or send me a letter in the mail. 

I called and explained, again, that I had never purchased cosmetics, ever, on this card, that the information used for my email was fake, and that I did not authorize any purchase. The individual I spoke with told me they would reopen the investigation. That seems to have ocurred, but my charge is still showing on my account. I was not given a timeframe. 

I emailed that same day ( XX/XX/XXXX ) to the email address provided for chargebacks with a good deal of information on why the " evidence '' supplied by the criminals in this matter should never have been accepted given some obvious problems ( IP address in XXXX, fake email address, didn't actually list a product, etc. ) I called today ( XX/XX/XXXX ) and was told that they would not remove the charge from my account during the investigation. The invidual claimed it would take up to 60 days to get a resolution. I pointed out the dubious nature of the evidence provided and the rep. from citibank security refuesed. He also refused to escalate my complaint to a supervisor. Supposedly I will get a call but I don't trust it will happen.

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 2024-07-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-07-25 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: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I have a report on my credit about a loan I never sign for or had any knowledge about. My ID was stolen, and information hack with T mobile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed oXXXX Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 non-monetary relief
Consumer complaint received 2024-07-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-07-25 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-07-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I reported these transactions to capital one, were fraudulent transactions, made with checking card been lost, and withdrawal money from account, they dont listen, and dont take care the customers, no provision credit been issued, XX/XX/year> XXXX $ and XX/XX/XXXX XXXX XXXX I am very disappointed, and I espect the temporary credit now, thank you.

Company response to consumer: Closed with explanation