vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
During the time period of XX/XX/XXXX - XX/XX/XXXX, there have been rebuttals from me and my mortgage company, NewRez. These people insist on thinking they are right when it comes to calculating my escrow. I have had issues with NewRez messing up my escrow account. There is no way my escrow account should have such a tremendous shortage. NewRez 's shady dealings have caused my mortgage payment to balloon up to {$650.00} from {$460.00}. 

These people are trying their best to cause me financial stress. I am already dealing with having to have condo insurance and paying a high maintenance fee. I will not allow these people to drain my bank account. Also, NewRez is accusing me of missing payments, which is not true. They are upset because I won't pay the {$650.00}. I refuse to pay this amount. I have been making my old mortgage payment in the amount of {$460.00}. What I have been doing is paying additional monies towards my mortgage whenever I have extra money. There are other bills that have to be paid, as well as me trying to buy groceries. 

I have enrolled in a debt consolidation program to pay off certain debts in order to get my credit back on track. I am desperately working hard at getting back good credit because I want to refinance just to get away from NewRez. These people have done nothing but cause me heartache. Does your office know of any escrow attorneys? There are too many issues with NewRez. I have lived in my condo for a little over 20 years, and I've never had these serious problems until my mortgage was sold to this God-forsaken company. Some investigation needs to be done because something is not right. 

On XX/XX/XXXX, I received an email from XXXX, informing me that the case was closed due to no resolutions being made. Attached is proof of the paperwork that shows that something is not right about what NewRez is doing. Please see what you can do for me. I am stressed out! Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: Chime Financial Inc
State: NY

Complaint narrative:
I am writing to bring to your attention an urgent matter concerning my Chime account ending in XXXX. It has come to my notice that my cards, along with my drivers license and other essential cards, were lost or stolen, presumably dropped in an XXXX ride. 

I received multiple text alerts from Chime about attempted charges on my account, including a successful charge of {$1900.00}. The unauthorized charges were attempted at various merchants, including XXXX, XXXX, and XXXX XXXX XXXX. Despite my immediate action to dispute these charges ( Dispute # XXXX ), Chime has failed to recover the funds and continues to deny my claims and appeals, despite the provision of all necessary supporting documentation. 

I would like to highlight the following points : Prompt Reporting : I reported the unauthorized charges immediately upon discovery, in accordance with the terms and conditions of the Chime customer account agreement. 

Good Faith Provisional Credit : Provisional credit is offered to assist customers during the investigation process. Denying this credit puts me at a financial disadvantage. 
Investigation Timeline : While I understand that investigations take time, I urge Chime to expedite the process. In the meantime, I request that Chime reconsider providing provisional credit to cover the disputed amount. 

Legal Rights : As a consumer, I have legal rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Denying provisional credit without proper justification may violate these rights. 

I kindly request that Chime reevaluate my case and provide the credits am entitled to. Failure to do so may necessitate arbitration with the NY attorney general and potentially lead to a lawsuit that could disrupt Chime Financials operations. 

Please respond promptly to this matter. You can reach me at XXXX or XXXX. I appreciate your prompt attention to this issue and look forward to a swift resolution. 

XXXX XXXX - XXXX Account Number Ending In : XXXX Claim ID : XXXX / XXXX Dispute Type : Debit Charge - Unauthorized Transaction ( Everi ) Date Error Reported : XXXX Claim Amount : {$1900.00} Supporting Documents : - Screenshots of text and email alerts - scammer attempts to charge card/account - Complaint and report # XXXX filed with authorities - Time and Location report of my whereabouts ( at workplace ) when the fraudulent -transaction was made. 
- Corrected amended Chime intake-form red line and statement. 
- XXXX fraud complaint XXXX and report filed # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
Target allowed for fraudulent transactions for card I did not receive. 
They have credited the account, but are illegally reporting late payment for items that were not mine. I have never been late on this card. 
Correct this in a timely manner or I will bring action for damages for false reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-17 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: FL

Complaint narrative:
XXXX has responded with a statement saying they repossessed my car on XX/XX/XXXX. But this same car was in a total loss accident on XX/XX/XXXX and written off as a total loss prior to repossession date and the person that caused this accident their insurance company paid XXXX XXXX since that driver was at fault and not me. I am confused why the car was repossessed from the same tow yard the insurance adjusters came and viewed the car and written it off as a total loss and picked it up. I still have not got any answers back from XXXX XXXX regarding that. I need explanation and receipts on the payments XXXX XXXX received from the lawyers that paid them after the case was finalized!! I was also XXXX XXXX XXXX XXXX XXXX XXXX  and had to do several months of XXXX Still years later I'm still having problems with my XXXX XXXX XXXX XXXX from the accident. I went a year without a car due to someone elses negligence. How can you guys keep putting the blame and burden on me the consumer. When you got paid from the insurance company. Ive attached several pictures from the day of the accident with time stamps.

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 2024-04-17 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
Harris & Harris XXXX XXXXXXXX continues to call and send letters about an alleged debt but they have yet to provide any proof showing that I am liable for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After reviewing my consumer report with Clarity Services I noticed that there is inaccurate address reporting on my consumer report. This inaccurate address must be removed off my consumer report as its not deliverable to me by the US postal office and it not reportable as per FCRA section 623 since they are inaccurate.

Attach are documents of my State ID and recent bank statement displaying the proof of my accurate address. I need clarity to update my consumer report to the correct address Im giving proof of.

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 2024-04-17 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:
XXXX XXXX XXXX  ( {$30000.00} ) is not my collection or account & needs to be removed immediately. They have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/year>, and I have not yet received a response. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: NY

Complaint narrative:
I have Reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XXXX & XX/XX/XXXX & XX/XX/XXXX. Please investiagte and provided proof with statements showing that these were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: NY

Complaint narrative:
I have Reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XXXX & XX/XX/XXXX & XX/XX/XXXX. Please investiagte and provided proof with statements showing that these were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :

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 2024-04-17 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: SC

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations 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 2024-04-17 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: NY

Complaint narrative:
After reviewing my credit report I noticed some fraudulent inquiries on my credit report per following Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
It has been months and many months, I noticed that LVNV funding LLC placed {$720.00} in my credit report for collection. I never gave LVNV funding LLC my consent and authorization to place any information in my credit report. I never received any products or services from LVNV funding LLC. I never entered into a legal and lawful contract with LVNV funding LLC. I demand that LVNV funding LLC provides me proof of a legal and lawful contract between me and them. I demand that LVNV funding LLC provides proof beyond any reasonable doubt that I ever gave them my consent to defame my honorable character with XXXX XXXX and XXXX for the alleged debt. Finally, I demand that LVNV funding LLC remove their fraudulent account from my XXXX XXXX and XXXX credit report immediately. 

P.S I demand that LVNV funding LLC validate, verify, authenticate this alleged debt. I demand this alleged claim is deleted from my XXXX XXXX and XXXX credit within the next 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving 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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving 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 2024-04-17 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-17 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: HI

Complaint narrative:
XXXX  allowed for fraudulent transactions for card I did not receive. 
They have credited the account, but are illegally reporting late payment for items that were not mine. I have never been late on this card. 
Correct this in a timely manner or I will bring action for damages for false reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: HI

Complaint narrative:
XXXX  allowed for fraudulent transactions for card I did not receive. 
They have credited the account, but are illegally reporting late payment for items that were not mine. I have never been late on this card. 
Correct this in a timely manner or I will bring action for damages for false reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — Store credit 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: NE

Complaint narrative:
Someone is trying to open a Best Buy credit card under my name. Theyve also tried to open a XXXX XXXX credit card under my name.

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 2024-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I had a customer deposit {$2500.00} for a job Sunday XX/XX/XXXX. It's now Wednesday and the funds are available in my account. PayPal is holding my money up after they tried to the XXXX XXXX XXXX hasn't released the funds, and customer called his XXXX Monday and the funds are out of his account and released on Monday already. PayPal is holding the money up and this is the XXXX time they've done this. They did this with a {$5500.00} deposit before.

Company response to consumer: Closed with monetary relief