vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Couple of my mortgage accounts with JP Morgan Chase were in forebearance between XX/XX/XXXX- XX/XX/XXXX. When the forebearance neared the end, Chase didn't act on time and asked me to make XXXX month of payment on both accounts to defer only 12 months of payments to the end of the loan. I made the payment. Chase sent me the deferment offer letter for both accounts. I accepted the deferment offer on both accounts on XX/XX/XXXX by calling the number provided on the letters. XXXX of the accounts became current right after that and I was able to resume payment on XX/XX/XXXX. I followed up on the status of the other account XXXX and I was told that the deferment is under process. I again followed up on XX/XX/XXXX when I couldn't make payment on this account. I was told by the agent that it is still under process and I'm protected by the forebearance law until the processing is completed. On XX/XX/XXXX, I received alerts from the credit monitoring services that my XXXX XXXX dropped from XXXX to XXXX due to a delinquent mortgage account with more than 180 days late payment. I called Chase to investigate on what's going on with the deferment processing and why the protection was removed. There is no clear explanation from Chase on what happened and why I was penalized for following everything I was asked to do. Later, Chase told me that due to a missed workflow in their processing, my deferment got stuck in a limbo and they found that on XX/XX/XXXX. I was told that the deferment processing has started again but due to their mistake, there was no forebearance protection between XX/XX/XXXX and XX/XX/XXXX. I requested them to reverse the credit reporting which they refuse to make by saying it was appropriate even though they made the mistake. Please note that there was no communication made to me during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed items on my credit report that Transunion is reporting that are in error and thy did not remove. This is affecting me from being able to purchase a home for my family.

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 2024-03-23 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: MI

Complaint narrative:
1.ACCOUNT-XXXX XXXX XXXXXXXX 5 U.S CODE 1681b-PERMISSIBLE PURPOSE And -15USC 1681 a ( d\ ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. The negative accounts have been reported without mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. Doing a full audit on this account because I have no received securities on the account above and only a full audit will show where they have been going and I will be taking full legal action for 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 2024-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have an account with XXXX XXXX XXXX with the account number # XXXX. This account is fraudulent and is currently showing up on my credit report. I have already attempted to contact the company, but have received no response. Please investigate 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 non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion is currently reporting an account under XXXX XXXX that has been successfully removed from both my XXXX and XXXX reports due to inaccuracies. Despite this, and despite providing evidence of these inaccuracies, TransUnion persists in retaining these erroneous accounts on my report. This action blatantly contravenes the Fair Credit Reporting Act ( FCRA ), particularly violating FCRA Section 611. I am seeking prompt resolution in accordance with this code, which necessitates the immediate termination of inaccuracies.

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 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I lost my job at the end of 2023. Ive been looking for a new job since then, but havent had any luck yet. I call Tower Loans and spoke with the manger, XXXX XXXX, and explained my situation to him and told him that I would call them and give them an update as soon as I find a new job and am able to start making payments again. I told them I registered my number on the do not call list and to text me instead if they needed to reach me. Tower Loans continues to ignore my request and proceeds to not only harass me but also they call family members that were not listed on the loan as co signers. I listed my phone on the DNC list in XXXX, and have repeatedly made Tower Loans aware of that and asked them to stop calling me and my family multiple times daily, but they refuse. Just this past week, my grandmother XXXX XXXX. I asked Tower Loans to stop calling while we XXXX XXXX XXXX XXXX this week. They ignored my request again and called during her XXXX XXXX. If anyone is able to help me, it would be greatly appreciated. Thank 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 2024-03-23 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: OH

Complaint narrative:
I WAS NEVER LATE ON THIS ACCOUNT I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: OH

Complaint narrative:
I WAS NEVER LATE ON THIS ACCOUNT I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was checking my credit report and notice several hard inquires.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Your company XXXX never validated this alleged account. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature as well as my original contract with signatures. 


Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: IL

Complaint narrative:
I RECEIVED A COPY OF MY MOST RECENT CREDIT REPORT AND SAW ACCOUNTS REPORTING THAT I DO NOT RECOGNIZE

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 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I had a few loans with them. I was always told the additional products were necessary for the loans to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: VA

Complaint narrative:
Experian hasn't updated my credit score after lender reported inaccurate information about an payment. Experian updated my credit report after dispute but didn't put my points back that was taking away.

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 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXXXXXX account with a yearly {$100.00} membership fee ( account ending in XXXX ) I attempted to close XX/XX/XXXX. I was told to pay the yearly fee and then ask for a refund when the account was closed. I refused. They offered to convert the account to a non yearly membership fee account and remove the {$100.00}. I agreed ( acct # XXXX ). Since XX/XX/XXXX I have had 8 separate conversations attempting to resolve the matter. XX/XX/XXXX Citibank attempted to extract payment from a checking account I closed in early XXXX. Then Citibank charged me for a returned check fee On this same credit card account Ive been attempting to close since XX/XX/XXXX!! I have never activated this credit card. Please help me before they report to credit bureau. This must be considered predatory and harassment.

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 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been a AMEX customer since 2013, and they provide cards for myself and both of my businesses and a line for credit for one of them. In all of this time I have never missed a single payment, paying off the full balance due each month. 

Out of the blue on XX/XX/XXXX AMEX sent me demanding I pay {$3600.00} that was not due to them for another month or else they would further reduce my credit limit. My account is on autopay and it draws on XX/XX/XXXX, wherein I paid the {$15000.00} full balance that was due, and assumed that the {$3600.00} was satisfied by this payment. 

Turns out I was wrong, and it was an attempt to extort money out of me before it came due. I guess AMEX found a way to get around the 25 day grace period and has been extorting customers like this for a while. 

As a result of not paying an extra {$3600.00} that would not be due until XX/XX/XXXX, AMEX lowered my credit limit to within a {$100.00} of my exact balance for this month, ensuring that my utilities, internet, etc accounts that are on auto-pay would be in excess of this and be declined, in hopes of forcing me to pay early. 

All this did is drive me into the hands of their competitor, XXXX XXXX, and I opened an account and began moving autopay accounts there. 

Because AMEX could see I was not going to comply with their demand for early payment, today on XX/XX/XXXX AMEX notified me that they were using the lowering of my personal credit card limit as justification to lower my business line of credit to further twist my arm. 

I calleXXXX AME to question this, and the person on the phone said it was due to my payment history ( keep in mind I have never carried a balance on any credit card, let alone an AMEX card, and have a perfect payment history for my mortgage etc. and have a XXXX credit score on XXXX as of XX/XX/XXXX. In fact, my score was higher but AMEX lowering my credit limit affected the score. ). I do not believe the person on the phone is lying, she was just reading what someone else wrote in their computer system, but someone in the chain was not telling the truth. 

In short, AMEX will attempt to extort early payment from customers, and when you do not comply, they will try to make your life difficult.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I checked with XXXX my File one day randomly had Sears/CBNA on it with an Outstanding $ XXXX balance on it. 
Ive been trying to get XXXX to remove it and every time Sears sends me a letter in the mail with no number on the back and an Account number missing like 4 digits. 
Ive put in a Police report and Filed with Attorney General I believe this was done by an old associate of mine at XXXX XXXX XXXX XXXX in XXXX, PA. 
I noticed this charge on my Credit around XXXX of 2023. And been non stop on disputing 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 non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my credit report and I noticed a late payment reporting on my XXXX XXXX account ( account number XXXX ). I was actually not late on this account. According to 15 US Code 1681e, credit reporting agencies have a legal obligation to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have attached a copy of my report to this complaint on XX/XX/24. I am now requesting that you investigate and provide verifiable proof with records showing that I had these late payments. If this information can not be verified, please update these payments to paid on time immediately. Please see screenshots attached. Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2024-03-23 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: PA

Complaint narrative:
I reviewed my credit report and I noticed a late payment reporting on my XXXX XXXX  account ( account number XXXX ). I was actually not late on this account. According to 15 US Code 1681e, credit reporting agencies have a legal obligation to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have attached a copy of my report to this complaint on XX/XX/24. I am now requesting that you investigate and provide verifiable proof with records showing that I had these late payments. If this information can not be verified, please update these payments to paid on time immediately. Please see screenshots attached. Thank you for your prompt 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
Consumer complaint received 2024-03-23 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I have an account with CREDIT ACCEPTANCE CORP with the account number # XXXX. This account is fraudulent and is currently showing up on my credit report. I have already attempted to contact the company, but have received no response. Please investigate 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
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hi, The past weeks I have received notifications and a letter from Well Fargo regarding my claim and the only response I got ; it was that the case XXXX has been closed. I have a legal representative in XXXX who did the respective research and confirmed that Wells Fargo has never reached out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. The found were never taken from my account for part of XXXX XXXX XXXXXXXX. Due to XXXX policy they can't disclose details of the procedure of how the Bank deals with XXXX  banks regarding transactions not being completed but retaining funds but as far for their records they didn't receive any phone call or written request from Wells Fargo regarding my claim. They did run the inventory and there is no trace of completing the transaction withdrawing funds on the dates previously indicated ( XX/XX/year> ). Wells Fargo has removed the temporary funds that they put in my savings account and due to the lack of accountability I was obligated to close the account and remove some money left in the savings account. 
I request, please reopen this case and investigate properly, I need to recovery the founds that Wells Fargo took from 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 2024-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Your company JPMCB- CARD SERVICE never validated these alleged accounts. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature. 

My credit report shows the following account numbers XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: Denefits LLC
State: FL

Complaint narrative:
in response to report # XXXX. for XX/XX/XXXX I requested corrections be made to my credit report that were inaccurate then received letter stating that they don't believe that was sent in wasn't me. on XX/XX/XXXX I called XXXX about this letter they stated that I have to send in my dispute again because they don't believe it was me when I sent in my license a letter from the IRS bank statement birth certificate proving who I am and the only address that I should be associated with. I am aware that this stall letter is nothing more than a way to finagle more time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation