vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
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. 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. 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. The following is the list : 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 explanation
Consumer complaint received 2023-11-13 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: AR

Complaint narrative:
In accordance with the Fair Credit ReportingAct this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase reference case number : XXXX Hello, I went to a chase branch to confirm my address and ID. 

This account has been closed more than 6 months ago. I need a resolution. 

I do not accept the recall request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
My identity was stolen Im XXXX and its ruining my future

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
My identity was stolen Im XXXX and its ruining my future

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 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
My cashapp account was compromised. A XXXX XXXX account was linked to my account. I have no history with XXXX XXXX  or any of its affiliates. Cashapp performed an investigation under case number XXXX. They denied and closed my case stating " Based on the information I provided, their investigation led them to determine that the transactions was authorized by myself or someone I know '' I am requesting the information used to determine that I have authorized this XXXX XXXX to be attached to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: CA

Complaint narrative:
It should be updated to positive or removed using 15 U.S. Code 1681b - Permissible purposes of consumer reports it's been updated on my XXXX and XXXX but not my experian and there's not my signature on the contract

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 2023-11-13 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Was given a loan Deferment by Shellpoint Mortgage Servicing on XX/XX/23. 
They told me that this would not affect my credit and since they were only moving payments to the end of the loan and not writing anything off, that those payments that were moved to the end of the loan would show current.

They have reported those payments that they Deferred as late and have not responded to my request for them to be removed as late as per the CARES Act and as they indicated that they would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I XXXX XXXX currently have some fraudulent inquiries appearing on my credit report. 


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 2023-11-13 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: TX

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-11-13 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: TX

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I reviewed my Equifax report and saw a hard inquiry from USF Federal that I didn't authorize on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
I filed a complaint with you back in XXXX and was finally able to register my car, with my ex-husband 's name on it in XXXX of XXXX. I really need some help dealing with Capital One. They have now locked my app and are demanding that I call in with payments. I would like them, in good faith, to credit my account for One Month and to stop threatening me with re-possession, as my account is not as delinquent as they say it is. This is not a game anymore. I will be calling in my payment on Thursday afternoon when I get paid, according to our payment arrangement. I would also like to see a 1 Month credit posted to my account as I am sincerely frustrated with them. Please tell them my response to the financial hardship is that for about 9 months I could not use my vehicle due to the inability to register the car because of their titling issue. I did their work and got the Title from the State of New Hampshire when they told me they had it all along. It is still incorrect as my ex-husband is still on it. When I re-financed in XXXX, he released all interest in the vehicle and Capital one admitted to shredding documents. Can you please help me with this stupidity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am writing to dispute a billing error related to my account with SYNCB/Care Credit, Account XXXX : XXXX. This dispute is made under the provisions of the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. I believe that a significant error has occurred in the handling of my account by SYNCB/Care Credit, as described below : Despite the account being officially closed, SYNCB/Care Credit continues to threaten to report late payments on this account. To make matters more confusing, I have not received any billing statements to confirm the status of the account. My concerns regarding these discrepancies were raised during verbal communication with representatives from SYNCB, where it was indicated that late payments will still be reported, even though I have not received any billing statements or invoices to clarify the account 's status.

I would like to request a thorough investigation into this matter, as well as the appropriate resolution as mandated by the FCBA. Furthermore, I kindly request SYNCB/Care Credit to provide the necessary documentary evidence and clarification to address these errors.

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 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I had applied for a new SAVE plan over 60 days ago on XX/XX/23 before the payments were supposed to resume. They placed my account into forbearance pending " administrative form. '' My SAVE plan was marked as approved on studentaid.gov and my payment amount was calculated as $ XXXX. I recently received an email stating that my new payment was {$140.00} and for the PAYE plan which is obviously wrong. I have emailed them 5+ times and attempted to contact them via chat and call. My new due date is XX/XX/23 and they have taken me out of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
Rocket Mortgage informed me during the loan process that this PMI would be removed for free once I had paid down my loan ratio below the 78 % mark. Now that I have in less than a year paid it down to 60 % they came up with an excuse that I was in a XXXX XXXX XXXX. When I proved that false they then said that they would still need to charge me {$190.00} basically for another apprasal to be sure the value of the home has not decreased enough to put me outside of the 78 % ratio. 
I feel this is disengenous and they are purely seeking to charge me rediculous amounts in order to remove a fee they should have removed when my loan was paid to be recast. 
I seek for this {$190.00} to be fully refunded immediately. 
XXXX XXXX : XXXX Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
For two weeks now I have been trying to get a payoff document from my mortgage company so that I may sell and close on my house. I have contacted them by email and submitted a request over the phone, but have not been able to talk to a live person. I am number 52 in line as of this complaint. I am running out of time for the closing and can not get 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 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
I was having problems with purchasing something online through my debit card so I decided to contact my bank in order to see what was wrong. In the midst of me calling, I made an error by calling the wrong support number. In that act the person was posing to be a support representative. They then asked me to transfer money to this specific account $ XXXX with a phone number of XXXX. I provided my bank with this information and within XXXX hours they denied my claim and for days I have been making rebuttals to ensure that this is a scam, yet they keep denying me. I lost {$1200.00} and it has put me in a financial XXXX. This is Chime banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX Hereinafter referred as consumer or affiant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX NISSAN MOTOR ACCEPTANCE CORPORATION FULFILLMENT DEPARTMENT ATTN : XXXX XXXX, XXXX Hereinafter referred to as you, your, your company or affiliates XXXX XXXX XXXX XXXX, TX XXXX CC : REGISTERED AGENT C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX XXXX : ADVERSE ACTION Dear NISSAN MOTOR ACCEPTANCE CORPORATION FULFILLMENT DEPARTMENT , I , the consumer and natural person, was denied credit by NISSAN MOTOR ACCEPTANCE CORPORATION , when I applied for a extension of credit for a vehicle. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k. 

You are subject to criminally liability for violating 15 U.S.C. 1961 as I have proof that I was discriminated against by NISSAN MOTOR ACCEPTANCE CORPORATION due to the response that I received. 

NISSAN MOTOR ACCEPTANCE CORPORATION is in violation of 15 U.S.C. 1681m and 12 C.F.R. 1002 because I, the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used, and I received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of NISSAN MOTOR ACCEPTANCE CORPORATION.

If NISSAN MOTOR ACCEPTANCE CORPORATION fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make NISSAN MOTOR ACCEPTANCE CORPORATION criminally and civilly liable for all actual damages pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o.

I will also follow up with and invoice for said violations of ( {$5000.00} ) per violation. 

Thank you, XXXX XXXX XXXXXXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THERE IS A XXXX  XXXX BANKRUPTCY DISCHARGE APPEARING ON MY CREDIT REPORT I HAVE CONTACTED XXXX AND TRTANSUNION AND XXXX CREDIT AGENCIE SEVERAL TIME TO HAVE THIS ITEM REMOVED, THEY WONT REMOVED IT PLUS XXXX AND TRANSUNION AND XXXX CANT PROVID ME PROOF OF THE INFROAMTION ALSO WHEN THEY SEND ME A COPY OF MY REPORT THEY SAY ON THE REPORT THEY GET THEY INFORMATION FROM XXXX XXXX XXXX AND I CONTACT XXXX XXXX AND THEY SENT ME A COPY OF MY REPORT FROM THERE SYSTEM AND IT DOES NOT SHOW NO XXXX XXXX BANKRUPTCY AT ALL THEY SENT ME A LETTER ADVISING TO HAVE THE CREDIT AGENCIES TO REMOVED THE NEGATIVE INFROMATION

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 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I stayed at XXXX XXXX due to a Constructive Eviction on an Uninhabitable home. The Hotel room was missing the screen on the window. I heard Hotel guests speaking about XXXX XXXXXXXX. Instantly the XXXX XXXX XXXX entered my room. I called the front desk manager who was dismissive. I promptly contacted XXXX police. XXXX police falsely stated hotels are private private and XXXX XXXX  is permitted. Citibank refused to credit me my full refund for the final night stay. I want my complete refund ASAP.

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 2023-11-13 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: GA

Complaint narrative:
Between XX/XX/2023 and XX/XX/2023 Trans Union has reinserted an account transaction from XXXX XXXX XXXX on my credit report. The company has failed to provide certifiable proof that the account information is accurate. 

I have first hand knowledge that I never gave XXXX XXXX XXXX nor Trans Union any authority nor written consent to furnish or report my identifying information.

The company 's actions are negligent and is causing me and my family harm.

I am exercising my rights under the FCRA to request a reasonable reinvestigation. If Trans Union can not verify that the account transaction is not inaccurate, the transaction must be promptly deleted from my credit report and file within 15 days.

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 2023-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I FOUND OUT XXXX MONTHS AGO I HAD A BALANCE OF XXXX XXXX ... I CALL THE COMPANY AND TRY TO WORK IT OUT WITH THEM INREGARDS TO THE INTEREST THEY CHARGE ME... I TOLD THEM I HAD NO PROBLEM PAYING FOR WHAT I PURCHASED BUT NOT PAYING FOR ALL THE INTEREST THEY CHARGE ME WHEN I NEVER RECIEVED A STATEMENT FROM THEM FOR THE PAST YEAR. A PERSON Can't PAY FOR SOMETHING YOU DONT GET A BILL FOR AND DONT KNOW ABOUT ... I ASK THEM TO HAVE SOMEONE CALL ME THAT COULD REMOVE ALL THE OTHER CHARGES THEY PUT ON MY ACCCOUNT.THEY DID NOT, I CALL BUT COULD NEVER GET SOMEONE TO WORK WITH ME ON THE EXTRA MONEY THEY ADDED TO MY ACCOUNT.ALL I WANTED TO DO IS PAY FOR WHAT I PURCHASE .IF THEY JUST REMOVE ALL THE OTHER CHARGES I WILL WRITE A CHECK FOR WHAT I PURCHASE. 

THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation