vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Credit 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: ALLIANT CREDIT UNION
State: OR

Complaint narrative:
I made two purchases that in hindsight were both likely XXXX scam websites. One from XXXX, and one from XXXX XXXX XXXX XXXXXXXX has failed to provide timely chargebacks on these fraudulent activities, leaving me footing the bill thus far for {$2000.00}. 

The XXXX  purchase ( {$31.00} ) was made on XX/XX/XXXX after seeing a XXXX ad linking to that site, and I disputed this transaction on XX/XX/XXXX when I finally received the item that shipped directly from XXXX, and it was markedly different from the product description ( details of this are described within my chargeback message ). The website is now recognized as a malware/scam site, because trying to navigate to it throws the error shown in Appendix 1 below. There is no way I can safely contact the vendor given that web browsers now prevent navigation due to known malware risks discovered only a few days after I made my purchase. 

The XXXX purchase ( {$1900.00} ) is much more concerning due to the large cost. This purchase was made on XX/XX/XXXX, and a dispute filed on XX/XX/XXXX, two days after the last day my item should have shipped, as well as after the 3 communication attempts I made to ask about order shipment status and eventually order cancellation went unanswered by the vendor. Since that date ( at least as of XX/XX/XXXX when I last checked ), XXXX has removed the vendor from their website, as XXXX no longer exists. They must have determined it to be a scam. 

I have ample evidence in both cases that I was scammed through seemingly legitimate sources ( a XXXX ad and a XXXX-hosted storefront ). However, Alliant has not only been dragging their feet in providing this money back to me as I am still required to pay for these charges, they are not communicating over their messaging system or through phone calls to me regarding status updates on these disputes. I have no idea what the status is of these chargebacks, particularly the {$1900.00} one, and I don't want to have to pay for being scammed. This is a VISA card, and VISA 's policy is as follows : " If it relates to fraudulent use of your card, you are protected by our Zero Liability Policy. If you can't get a refund from the seller, you should make a chargeback claim within 120 days of purchase. '' Appendix 1 : XXXX XXXX XXXXXXXX Page blocked by Threat Protection Weve detected malicious code on this web page and blocked it for your security. We do not recommend visiting this page as it may harm your device.

Threat detected : Malware This website has been identified as a malware site. Malware infects your computer and can include viruses, worms, spyware and trojan horses

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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:
TransUnion, XXXX, and XXXX continue to report an alleged bankruptcy without any providing any documentation to me to validate this. Who did they talk to to validate this information. Furthermore they need my written consent to report any information about me.

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 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX, I hand delivered to the post office my mortgage payment due for XXXX XXXX The amount of the check was more than the amount due. On XX/XX/XXXX, I recieved an email from the mortgage company, New Rez LLC, indicating they had not recieved my XXXX payment. On XXXX XXXX, I verified with my credit union that the check had not been presented to them. I requested a stop payment on the check that day. I contacted the automated payment system for my mortgage company on XX/XX/XXXX, expecting to need to make a payment ; however, their system told me they had booked a payment on XX/XX/XXXX. On XX/XX/XXXX, I recieved another message from NewRez indicating they had not recieved payment. When I contacted them on XX/XX/XXXX, they indicated that my credit union indicated there was a stop payment on the check. Since this was due to their mismanagement of the payment, I requested a refund of the late payment fee and they refused. They also refused to refund the fee I will have to pay my credit union to stop payment on my check. Since I am in the financial position to allow it, I have requested a written statement of the payoff amount so I no longer have to deal with this company as it is the second issue I have had with them. They provided a payoff amount including a {$30.00} fee to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX I do not have a contract with Frontline asset strategies as they did not provide me with the ORIGINAL contract as requested,!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
I have had no business transactions with Rfgi ( rozlin financial group, inc ) and they are sending me repeated emails to collect money. I have never done any business transactions with this company. I dont have any contract with them. They have no legal proof or proof of review of any collections account by an attorney. They are harrasing me by sending multiple emails for the money which I never owe them. I dispute their claims that I owe them any money. I have never done any transactions with them. I dispute their debt claims.

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 2024-01-31 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: MI

Complaint narrative:
I've had student loans in the past but they're reporting to my credit report and I know that they are invading my privacy per violation of the Educational And Privacy Act and The Family Educational Rights and Privacy Act of 1974 XXXX XXXX XXXX XXXX ( G ) XXXX XXXX XXXX XXXX XXXX XXXX ( A )

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 2024-01-31 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: MI

Complaint narrative:
I've had student loans in the past but they're reporting to my credit report and I know that they are invading my privacy per violation of the Educational And Privacy Act and The Family Educational Rights and Privacy Act of 1974 XXXX XXXX XXXX XXXX ( G ) XXXX XXXX XXXX XXXX XXXX XXXX ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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:
I've had student loans in the past but they're reporting to my credit report and I know that they are invading my privacy per violation of the Educational And Privacy Act and The Family Educational Rights and Privacy Act of 1974 XXXX XXXX XXXX XXXX ( G ) XXXX XXXX XXXX XXXX XXXX XXXX ( A )

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 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Cards were opened by ex spouse without my knowledge or consent, and they refused to take me off and now my credit score has been negatively impacted as well as being bullied into paying off his debt so I can get a loan for a new house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address the inaccurate, erroneous, and incomplete reporting of the following accounts on my credit report, severely impacting my credibility and quality of life. Upon contacting the associated banks, they confirmed the reported information is inaccurate. While unable to provide records, they assured me of promptly removing the erroneous accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-01-31 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-01-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I trust this letter finds you well. I am writing to address a concern regarding my credit report, specifically concerning late payments associated with XXXX ( Account : 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 2024-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
I have been receiving phone calls for about a year on and off from different phone numbers first asking for XXXX XXXX ( ex-husband almost 20+ yrs ). After I told them that he is a ex-husband they stopped calling. Beginning this year XXXX the phone calls have started back. Now they are asking for me XXXX XXXX ( XXXX ). The phone numbers are coming from : XXXX XXXX XXXX. They have contacted my husband and my XXXXXXXX XXXX mother asking for me today XX/XX/XXXX. They left a message with my mother for me to call them. His name is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX phone : XXXX Ref # XXXX. He told me the debt is with CheckSmart a payday loan and they are a third party trying to collect this debt and threaten to serve me documents to take me to court. I told him that I have never had a payday loan with CheckSmart. I called CheckSmart 's Corporate Number XXXX XXXX. They checked their records with my D.O.B and last 4 of my SS # and they couldn't find me in their system. Their records go back 32 years. They forwarded my call to their fraud department to see if they had anything different. Again, she ran my info and said they had nothing in the system that I owed them anything. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Federal Student Loans : Defaulted through XXXX Entered into Fresh Start : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Tradelines are still being reported on XXXX and XXXX with adverse actions : 180 days late x 10 x 20 = hundreds of new adverse marks re-inserted. 

Per the contract attached with Fresh Start, this adverse information was to be entirely deleted per Department of Education. 

My XXXXXXXX XXXX occurred on XX/XX/XXXX. I was not in default when the loans from Fresh Start were sent to Nelnet for discharge. 

My credit has been defamed, and I demand that these tradelines be erased and am requesting compensatory damages. 

XXXX and XXXX shall be instructed to remove the adverse tradelines per attached agreement with Fresh Start XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: Kashable LLC
State: PA

Complaint narrative:
This is my 3rd attempt to rectify this matter. I mailed out previous letters to the corporation and to the non affiliated credit reporting ( XXXX XXXX XXXX ). This is last attempt to rectify this matter before I take this to arbitration and to small claims court. According to 15 USC 6802 no financial institution should disclose any non public information to a non affiliated 3rd party. In the disclosures the company never stated that they were going to release my personal in formation to the non affiliated 3rd party nor did they say that it will negatively impact my credit score. Pursuant to 15 USC 6802 b ( 1 ) ( b ) and ( c ) they were supposed to give information on how I can opt of sharing my non public information which they did not. When I reached out to the company I spoke to a XXXX and he laughed in my ear about my concern. I also reported this to the attorney general and I got a response saying according to their policy they do not give consumers opportunities to opt-out. Well I thought federal law subsidies policy any day. I also mailed a letter to the CRA and I git a generic response. We all know the CRAs and Kashable LLC are not affiliated in any way or are they controlled by the same owners. Unless someone is paying for my non public to furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent this messaged to Chase Bank by my online access to my Chase acct : Hello, I would like to express my dissatisfaction with Chase Bank and I couldnt believe Im still banking with Chase afterall when Chase didnt protect me and ruled in favor of that scammer who fraud me & ripped me of the amount out of my checking acct total {$4500.00}. The dispute complaint against XXXX XXXX. It turned out that the XXXX  contract they pushed me to pay for {$4500.00} is truly XXXX and a cheat afterall. Supposedly per contract I would be provided a XXXX XXXX and a XXXX XXXX  assistance to get a job opportunity in the XXXX industry. It didnt happened and I was being ignored by the owner of that fraud place. All my emails & phone calls contacting the said place are being disregarded. I disputed to Chase that XXXX XXXX is a scam and didnt provided the services I paid for but Chase didnt give me a refund or credit. For that I would file a complaint against Chase Bank to the Consumer Protection govt agency. To the California atty General office and to the XXXX XXXX XXXX XXXX for failure to credit me against a dispute I filed and ruled out in favor of a scam Busihess like XXXX XXXX. Im requesting and hoping for Chase to reimburse me for the loss of my {$4500.00} out of my checking acct. I could not accept and live for the loss. XXXX XXXX yrs old and considered a XXXX who was financially scammed. Chase failed to protect me. I loss a job in XXXX for 4 months plus. I only worked temporary in the year XXXX. Plus the inflation is wearing the toll on me therefore Im requesting Chase to cover the loss I suffered or have the government agency tackle the issue. Please advise. Thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
XXXX, XXXX, and Equifax continue to report an alleged bankruptcy without any providing any documentation to me to validate this. Who did they talk to to validate this information. Furthermore they need my written consent to report any information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian, and XXXX continue to report an alleged bankruptcy without any providing any documentation to me to validate this. Who did they talk to to validate this information. Furthermore they need my written consent to report any information about me.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2024-01-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
Shell point Mortgage has made a hard inquiry on my credit report. I did not request this and I am not even trying to apply for a mortgage. It shows they did this on XX/XX/XXXX, this was discharged in Bankruptcy in XXXX. No reason they pulled my credit. I would like this removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Date XX/XX/2024. After many attempts to pay on time when Mazda Financial Services delays statement by two weeks and then can not clear check withing 15 days on time ( I sent next day when I received statement ) It was suggested to me to use to use Mazda Financial Services application. However, I noticed ( and I ma payments and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that mobile application activation e-mail uses non-secure HTTP protocol which proves why I preferred to use paper check over suspicious application that might expose financial information of customers. 

Here is the link that was sent to me to activate account ( few characters changed for security reason, but I can provide original link in full ) : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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've come across an issue in my consumer report regarding my credit account with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). An unexpected 30-day late payment entry has surfaced, necessitating immediate attention.

I kindly ask for a thorough investigation into this matter, along with the provision of documented evidence, such as statements, validating the legitimacy of the reported 30-day late payment. I'm eager to understand the basis for this entry and trust your agency can provide clarification.

If, upon investigation, the accuracy of the 30-day late payment entry can not be verified, I insist on a swift update of the record to accurately reflect the status as paid on time. My consistent payment history underscores my commitment to financial responsibility, making this sudden deviation perplexing.

Your prompt attention and cooperation in efficiently resolving this matter are sincerely appreciated. The credibility of credit information depends on accurate reporting, and I am confident that your agency will address this with the necessary diligence.

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