vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. NEED THIS INFORMATION REMOVED FAST AS POSSIBLE WANTING TO BUY HOME ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I just received alert from XXXX that an account had been opened at JPMorgan Chase On XXXX, JP Morgan Chase reported a bank account opened with your SSN.

Company : JP Morgan Chase Reason : Inquiry Inquiry Date : XX/XX/2023 Phone : ( XXXX ) XXXX I tried calling the number and you can not get a customer service person unless you provide an account or credit card number. I then googled JPMorgan Chase Fraud Dept and after trying 3 different numbers, and finally XXXX finally gets me to the " Fraud Department '' and the XXXX XXXX I spoke to XXXX XXXX who said he couldn't give me an other details to identify him except his Managers name ( Jaise ), whom he would not transfer me to and XXXX has no ability whatsoever to as someone who is supposed in JPMorgan 's Fraud Department to identify the account and close it... 

XXXX was more focused on being as absolutely condescending as he could possible be instead of listening to me explain I HAVE IDENTITY THEFT ON MY CREDIT REPORTS SO HOW EXACTLY DID JPMORGAN JUST allow someone to OPEN AN ACCOUNT!? XXXX 's response was to begin to explain to me how a checking account is opened. Seriously. HE ASK ME FOR NOTHING but my SSN, so how the ___ he could verify that I am the person with the SSN when I just told him someone opened an account fraudulently. 

So, to JPMorgan Chase. I did not open an account with your bank... ever. AND I request you provide me the information needed, where the account was opened, what State, what identifying information was used so I can file a new police report and notify the FTC that JPMorgan Chase is opening accounts for people 's whose credit reports are flagged for identity theft. 

And yeah, what was XXXX 's answer. Call tomorrow. Talk to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I am including this website link to be included in my complaint against American express to substantiate my complaint claim. 

https : XXXX American express without my authorization and against my instructions charged me for an annual fee of {$690.00} after blocking my card use for several months fraudulently lying to me and harassing me ruining my credit score by XXXX points plus by excessive credit inquiries on me that other cardholders are not subject too especially their millionaire and billionaire cardholders. It is discrimination American express subjected myself a 100 % service connected XXXX Veteran to this double standard without my authorization and with interest charged me fees after fraudulent without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have been going back and forth for the last couple of months with several departments and contacts at Synchrony Bank regarding retroactive interest they charged on a zero-interest financing I had for some purchased furniture. 

I received a letter dated XX/XX/XXXX, via the CFPB website concerning case XXXX. This case concerned Synchrony retroactively charging me 30 % interest back to my original purchase date in XX/XX/XXXX. I tried calling the contact number on that letter for many days and there was no answer, and the voicemail box was ( and still is, as of the date of this complaint ) full, as stated in the outgoing message. Instead, I wrote to Synchrony on XX/XX/XXXX explaining that I completed all my payments for my original purchase by the end of XX/XX/XXXX. The promotional period for my interest-free financing ended XX/XX/XXXX. Upon review of the first statement of my purchase in XX/XX/XXXX it specifically states in order not to incur deferred interest charges, I must pay off my Promotional Balance by the Promotional Expiration Date. These are all capitalized terms and thus are very important. No where in this statement or any subsequent statement does it indicate that any late fees ( which I did incur ) are part of the Promotional Balance. As I paid off that Promotional Balance by the Promotional Expiration Date, I would not owe any deferred interest. 

I sent copies of my statements from Synchrony where the above was clearly highlighted. The reply I received on XX/XX/XXXX stating, " ... .Any remaining balance and applicable fees have become part of your regular balance ". This is in direct conflict with the capitalized terms in their statements to me. In fact, they also stated, " ... If you have any questions about the promotional financing, please refer to the promotional summary on your prior statements ''. But that is EXACTLY what I did in my letter dated, XX/XX/XXXX AND I sent copies of those summaries as well highlighting the capitalized terms. It seems as if they have simply ignored my points and given me the same answer to pay up, which I do not agree with.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : XXXX has 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 a 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. 16815-2 ( AN1 ) 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 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 2023-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have filed several complaints against this company. They have lied to you and you have closed the complaint instead of addressing the issue. Consumers are depending on government agencies to look out for their best interest. The information provided is inaccurate, but your records on your website is incorrect. The Prepaid principal should be {$170000.00}, however, your website shows something different. This was copied from your website : Your Loan Started : XX/XX/XXXX ; Your Loan Ends : XX/XX/XXXX ; Prepaid Principal : {$150000.00} ( a difference of {$24000.00}, Where is this money? What did you do to this money ) ; Prior Year ( XXXX ) Principal Paid : {$8200.00} ; Prior Year Interest Paid ( XXXX ) {$2100.00}, This is the discrepancy and the overcharge resulting in a negative amortization. 
The balance transferred from XXXX XXXX XXXX and not XXXX as in your paperwork to XXXX XXXX XXXX as you claimed was {$240000.00}. Note : I have a HAMP from XXXX XXXX XXXX then 2 years later another from XXXX XXXX XXXX XXXX which is missing from the documentation provided resulting in Improper Record Keeping. XXXX XXXX XXXX misapplied my payments. As a result, in XXXX and XXXX Deferred Principal Bal ( non-interest-bearing forbearance was bearing interest ). The account was not in default. An error on XXXX XXXX part put my account into default because of failure to maintain proper records. The New principal balance after the last ( third ) anniversary the balance should be {$66000.00}. All my payments have been up to date since XXXX, Are you saying that all my payments including the additional principals since XXXX ( XXXX  years ) is only {>= $1,000,000}. In XXXX, my principal was {$820000.00}. That's where the discrepancy is? Thus the negative amortization which Newrez/C/o PPH Mortgage Services refuses to fix and correct their records and keep providing false information to your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
The issue is with Shellpoint Mortgage Servicing reporting me in error 30-60-90 days late. When in fact I made all the payments they requested.

During the Covid 19 pandemic I chose to put my mortgage in forbearance since non of knew what the future would be. It was my understanding that the mortgage would be put on hold and when things were back to normal, they would put the loan obligations on the back end of the mortgage afterwards I would resume regular payments. Or find some other arrangement.

I called Shellpoint Mortgage, They where not very helpful or did not know what to do. I was told to go on line and fill out a form to get out of forbearance in order to renew my mortgage.I tried to explain to them that all I wanted was to put the missed forbearance payments at the end of my mortgage and start making my regular payment., I was told a gain to go online which I did. 
They then told me me to make payments of {$1000.00}, which i did. It is a little less than my usual payment of {$1200.00}. It is a couple XXXX less than my normal payment which I offered to pay. I nor the Newrez person seemed to understand. I thought it my have something to do with my escrow account ( taxes an insurance ) Thats fine and dandy, I make ALL of the payment on time every time as I have for XXXX years without missing a mortgage payment. 

I have a copy of my check registry to show I faithfully made the payments. ON TIME! 

This issue is really messing up my life. My credit score dropped substantially preventing me from getting favorable rates on a HELOC or restructuring my credit cards, as the balance has increased due to poor cash flow from COVID 19.

I just dont see where I went wrong. I followed their instructions to a T. I thought we could put our mortgages in forbearance without penalties or consequences. Doesnt the CARES act protect me from not suffering harm to my credit rating during the period that I received the accommodation?? 

I did as I was told and and made the payments for a lesser amount for 3 months, even though I had No problem making my payment for the original amount. 

I have copies of the debit transactions showing I made ALL payments on 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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX - XXXX there was multiple inquiries on my consumer report which id like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. 

XXXX ( Inquiry XXXX ) XXXX XXXX  XXXX ( Inquiry ) XXXX  XXXX ( Inquiry ) XXXX XXXX XXXXXXXX ( Inquiry ) XXXX XXXX XXXXXXXX ( INQUIRY ) XXXX XXXX XXXX XXXXXXXX The FCRA that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
On XXXX - XXXX there was multiple inquiries on my consumer report which id like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. 

XXXX ( Inquiry XXXX ) XXXX XXXX  XXXX ( Inquiry ) XXXX XXXXXXXX ( Inquiry ) XXXX XXXX  XXXX ( Inquiry ) XXXX XXXX  XXXX ( INQUIRY ) XXXX XXXX XXXX XXXX The FCRA that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my 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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 16 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 16 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 explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : XXXX has 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 a 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. 16815-2 ( AN1 ) 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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have called and sent multiple letters, to the credit reporting agency and have not received. Proof of their investigation and proof that the lender was authorized to make the inquiry, or delete the inquires disputed. The inquiries disputed are. 
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 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 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 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 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