vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I disputed the account with Acima on XXXX or XXXX occassions. The information came back verified but updated. The information on my credit report is still incorrect. The account is reading ccount charged off. {$14000.00} written off. {$4500.00} past due as of XX/XX/2024. I was never notified the account was ever in collections, or that they were charging it off. When I contacted Acima I was told the past due was only XXXX and that I can make the payment in the month of XXXX. I disputed the information, but Acima keeps reporting this incorrect past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2024 I sent Transunion a Debt Validation Letter Regarding below accounts XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX To VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from my credit file they maintain under my social security number. As of today its been over 30 days from XX/XX/2024 and Transunion has failed to respond as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ),

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 2024-05-19 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: GA

Complaint narrative:
I have disputed XXXX XXXX on my report several times. The account is paid and closed as of XX/XX/year>. The account keeps getting reported as open. Also, Experian has made it impossible for me to dispute online on my own. When I call in I am giving a hard time with disputing. I want my capabilities to dispute on my own reestablished.

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 2024-05-19 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Equfax credit report. Request verification to make nessary charges on the account to remove information that doesn't belong

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Credit inquiries I didn't make on my credit report. I have no knowledge of them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Fixed rate, XXXX  year mortgage was originated by XXXX XXXX in XXXX. I pay taxes and insurance separately, NOT through escrow account. I have paid as agreed, principal, and interest, every month. I pay taxes and insurance as scheduled, with no late payments. I received a notice that a new servicer would be collecting payments beginning in XXXX of XXXX. I continued automatic principal and interest using XXXX through my bank. Payments were debited automatically. I received a notice in XX/XX/XXXX that new servicer would add forced placement insurance because I supposedly did not have the collateral house insured. I have used XXXX for over XXXX  years for all my insurance needs. The house has been continuously insured through the transition to new servicer with XXXX, which I confirmed in XX/XX/XXXX and sent via email confirmation of insurance to newservicer immediately. XXXX has no new information for servicer contact. 

I demanded that new servicer explain in detail why they did not have insurance information. New servicer has ignored my request for information. New servicer had all the information they needed to verify that property was continuously insured. I should never been accused of not insuring the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: ND

Complaint narrative:
My home loan was sold from XXXX XXXX to Roundpoint Mortgage Servicing LLC with a transfer date of XX/XX/XXXX. My monthly payment amount with XXXX XXXX was $ XXXX. On XX/XX/XXXX property taxes were paid by XXXX XXXX  in the amount of {$3300.00}. Home insurance paid by XXXX XXXX  on XX/XX/XXXX was {$2700.00}. All escrow balances were transferred by XXXX to Roundpoint Mortgage effective XX/XX/XXXX. XXXX property taxes were {$3300.00} and were paid by Roundpoint Mortgage on XX/XX/XXXX. Home insurance was {$3000.00} and was paid by Roundpoint Mortgage on XX/XX/XXXX. Roundpoint Mortgage conducted an escrow analysis on XX/XX/XXXX. They are claiming I have a shortage of {$3700.00} and have raised my monthly payment to {$1700.00}. They are claiming that my expected amount of taxes and insurance was {$6000.00}, but my actual amount was {$9700.00} which equals a negative balance of - {$3200.00}. This is inaccurate. 

I originally contacted Roundpoint Customer Service on XX/XX/XXXX regarding this error. They explained how an audit works and claimed everything was correct. I said it was not correct and asked to speak to a manager. I was repeatedly told that a manager would tell me no different but was eventually placed on hold. The CS agent came back on the line several times with excuses of why I could not talk to a manager. I informed the agent I would continue to wait. I eventually was able to speak to a manager who told me all they could do was put in a request to have a new audit run and request that someone from the escrow team give me a call within the next couple of days. No call came. On XX/XX/XXXX I spoke to the escrow department about my concerns. After walking through the analysis with the agent, the agent agreed that something looked strange. He said he would submit a request for a new escrow analysis to be completed. I was told this would be completed within XXXX days. As of today, XX/XX/XXXX no updated audits have been received or posted to my account. 

Roundpoint Mortgage is unwilling to find the error they have made and to fix that error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
I have disputed Rent Debt on my report several times. The account is paid and closed as of XX/XX/2023. The account keeps getting reported as open. Also, XXXX has made it impossible for me to dispute online on my own. When I call in I am giving a hard time with disputing. I want my capabilities to dispute on my own reestablished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AP

Complaint narrative:
XX/XX/XXXX, XXXX and XXXX I've called Chase informing them I've once again been locked out of my account. They know I'm a military family stationed overseas and claim that they can use my international number. XX/XX/XXXX and XXXX I informed them I can not get into my account and my bill is due soon. The customer service representative abruptly hung up as i was speaking. This is the second time they've done this and the first time it affected my credit score, as they marked my payment as late, knowing i called over 5 times with no resolve. It wasn't until they gave me a late payment charge that they allowed me to pay over the phone. I had told them then that the prompt to pay wasn't an option it was giving when i called in. There is a token option in which representatives choose to disregard, knowing it's the only way to get me into my account. Suddenly, i keep having to go through extra verification steps they can't claim they can't get through even when i answer security questions correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been sending Amex messages to email me a link to pay my outstanding balance of {$380.00} on cc no XXXX. So far they have not replied with a payment link to make this balance payment online.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Subject : Complaint Regarding Unjust Closure of Credit Card Account by Chase Bank Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Chase Bank regarding the unwarranted closure of my credit card account on XX/XX/XXXX under the pretext of " abuse. '' The account closure occurred shortly after I requested details and support related to a merchant dispute with XXXX XXXX XXXX. I have always maintained a pristine record with Chase Bank, never missing a payment or raising complaints about any other issue besides this particular merchant dispute. 

As a responsible consumer, I exercised my right to request information and documentation from the merchant to resolve the dispute in question. However, instead of cooperating and providing the necessary support, Chase Bank closed my credit card account, citing vague allegations of " abuse. '' I wish to emphasize that I have always conducted myself responsibly and respectfully in my dealings with Chase Bank and other businesses. The sudden closure of my credit card account has caused considerable hardship, as it hampers my ability to manage my financial affairs effectively. 

I am seeking your intervention to investigate this matter thoroughly and ensure that my rights as a consumer are upheld. I urge the Consumer Financial Protection Bureau to hold Chase Bank accountable for its actions and provide me with a detailed explanation for the closure of my credit card account. 

I appreciate your attention to this pressing issue and look forward to a swift resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I started receiving bills for a student loan that does not reflect a loan I applied for nor an amount that I owe. I have never had, nor received, any loans totaling over {$70000.00} .... 

I asked for proof and documentation that this loan is mine and that it be removed from my credit reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX been reporting to the credit bureau XXXX for months incorrect information which had me Disputing payment paid in full... l was informed to submit additional information help me. With Ongoing disputes ... il requested from XXXX such as the account paid dates reported on the Same documents instead accounts didn't have No name etc .XXXX XXXX been reporting what they felt ..I owe on account. which was paid full l don't owe. The account was XXXX. I received letter XXXX XXXX XXXX below Appolige for inconvenience XX/XX/2024 they have caused for the attached letters below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Repeated calls, at least XXXX a day from XXXX XXXX XXXX XXXX XXXX XXXX days a week. I have to keep my phone on airplane mode. They cause me great distress, and I can not take the harassment. If I could pay my bills, I would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: FL

Complaint narrative:
I am a victim of identity theft. As required by the Fair Credit Reporting Act, I contacted the XXXX major credit bureaus : XXXX and XXXX resolved and removed the fraudulent account from my credit report. 
Experian has not resolved this issue and continues to report this identity theft account on my credit report. 

It is not my intention, but if this matter is not resolved I will take legal action as false, misleading and inaccurate information is being reported on my credit report in clear violation of the fair credit reporting act. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e.

The following account is the result of identity theft. 
Fraudulent account name : XXXX XXXX XXXX  Fraudulent account XXXX Dispute Reason : This account is an identity theft and was opened without my authorization. 
This account is not mine. I have never had any kind of commercial relationship with this company. 
I do not understand how this account can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions on my behalf, much less reach an of course, payment arrears. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification.

Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e.

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 2024-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted notarized revocation of POA, instructional letter detailing the problem and acceptable remedy, security instrument, all was sent together via registered mail to XXXX XXXX XXXX, XXXX XXXX XXXX to, Toyota Motor Credit Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did make XXXX previous attempts to speak with XXXX XXXX XXXX regarding my concerns of the auto contract and what I believe to be deceptive and fraudulent practices. Both of my attempts to resolve the matter with XXXX XXXX resulted in the call being intentionally transferred to other departments, multiple abrupt disconnected calls and XXXX reps refusing to transfer the car to XXXX XXXX XXXX as I requested, nor would the person allow me to leave a message. Per 16CFR433.1 ( C ), the contract is actually between the bank- Lexus financial and 16CFR 433.1 ( J ) the dealership- XXXX XXXX XXXX XXXX XXXX The only legal parties that may enter into contractual agreement are the creditor-Lexus Financial and the seller- XXXX XXXXXXXX XXXX XXXXXXXX XXXX In addition as a consumer as defined by 16 CFR 433.1 ( b ) and TILA I am protected against deceptive and fraudulent business practices. However I noticed that after reviewing and comparing the documents that I received in hand from XXXX XXXX XXXX on XX/XX/XXXX prior to my leaving XXXX XXXX and the requested " copy '' that I received XX/XX/XXXX, my signature was forged on page XXXX of XXXX of the NOTE aka " retail installment ''. 
Upon my signature on the NOTE I am holder in due course and should have also receive a check reimbursing the full amount plus interest for my investment. Unfortunately I didn't realize nor did I understand that I also signed POA and security interest to XXXX XXXX XXXX XXXX and as a result the check that I was unaware of and which was payable to me was received and processed by the security transfer agent for XXXX XXXX of XXXX. I Have since revoked Power of Attorney to XXXX XXXX of XXXX.

Company response to consumer: Closed with explanation