vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern, This Is my LAST written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Truist repeatedly mails me letters falsely telling me my mortgage payment is late and threatening to report me to credit bureaus. I have asked them to stop several times and they refuse to. It should be noted that my mortgage was originally entered into with BB & T, not Truist, so I never had a choice when BB & T merged with SunTrust to form this new bank. But BB & T never sent me these threatening letters. Only Truist has done this. 

I have never made a payment outside the grace period, so Truist has no legal basis to report me and is therefore making baseless threats and false statements. 

I just paid my mortgage on Friday, XX/XX/. I thought that by making a payment a little earlier ( although I have always paid within the grace period and I have every right to use every single day of that grace period ) that Truist would stop harassing me. Instead, Truist has emailed me three times this morning ( so far ) to falsely state that my mortgage payment hasnt been received. 

This is unnecessary harassment. Clearly, Truist is trying to annoy me to force me to make my payment on the first of each month even though I have a grace period every single month per the original note. Truist is using this pressure tactic and sending false, unwanted emails in an attempt to make me forego my rights under the note. I am sick and tired of the treatment I receive from Truist and would refinance with someone else if the mortgage rates werent so high right now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an issue I have encountered with the following accounts : XXXX - XXXX XXXX - XXXX XXXX - XXXX as reported on my credit report. I had previously sent these account for validation, and despite being returned as " accurately reporting, '' I still believe that the information is incorrect and that there was no proper proof of debt validation provided. 

Here are the details of my complaint : Inaccurate Reporting : The information related to the following accounts on my credit report is inaccurate. I have thoroughly reviewed the details, and I am certain that there are discrepancies that need to be addressed. The inaccuracies adversely affect my credit score and financial standing. 

Validation Request : I had submitted a request for debt validation to the listed accounts in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, the response I received did not provide satisfactory proof of the debt 's validity. The lack of proper validation documentation raises concerns about the accuracy of the reported information. 

Impact on Credit Score : The inaccurate reporting of this account has had a significant negative impact on my credit score, affecting my ability to secure favorable terms on loans and credit. It is crucial that the inaccuracies be corrected promptly to restore the accuracy of my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies in the reporting of the above listed accounts. I also request that the bureau ensure proper validation of the debt in question. 

Enclosed with this complaint, please find copies of relevant documents, including my original validation request for each account. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly to address these concerns and work towards resolving this issue. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Date XX/XX/XXXX Dear, Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to bring to your attention some discrepancies in my mortgage account with Select Portfolio Servicing ( SPS ) that have arisen following my participation in the Illinois Homeowner Assistance Fund program. 
Upon approval for assistance from the Illinois Homeowner Assistance Fund, I was approved for {$60000.00} on XX/XX/XXXX, with the understanding that this amount would be used to bring my mortgage account current and prevent foreclosure. The Illinois Homeowner Assistance Fund advised me to obtain a letter from SPS stating the full amount required, and according to their guidance, I needed {$57000.00} to prevent the foreclosure sale scheduled for XXXX XXXX XXXX 

After the Illinois Homeowner Assistance Fund paid SPS, my account still displayed a negative balance of {$1800.00}. SPS explained that this discrepancy was due to omitted attorney 's fees from XXXX  despite my payment of over {$17000.00} to resolve the XXXX foreclosure. In my XX/XX/XXXX, mortgage statement, attorney 's fees had risen to {$3200.00}, identified as foreclosure fees from XXXX. I promptly disputed this charge, and despite waiting for 60 days, I am dissatisfied with SPS 's explanation. 
I am requesting a full mortgage loan investigation to address the discrepancies in my account. It is concerning that SPS retroactively added fees that I had already paid, leading to a negative balance. This has created a lack of trust, and I fear that fraudulent charges may persist. 

I disagree with SPS 's explanation of additional fees being added to my account and would appreciate your urgent attention to this matter. If hiring an attorney is necessary to uncover the truth, please advise accordingly. My primary goal is to have the {$3200.00} removed from my account and to prevent the addition of charges that do not legitimately exist.

I believe it is crucial for SPS to honor the agreement made with the Illinois Homeowner Assistance Fund, wherein my account was expected to return to regular monthly payments after the payment of {$57000.00}. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon to resolve these issues and restore the integrity of my mortgage account. 

Sincerely, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: NY

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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: NY

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: MO

Complaint narrative:
Experian closed 5 complaints before XXXX and the problem is there all the same issue but to show you this fraudulent company has no idea what there doing they give different absurd explanations for 5 different complaints

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
Re : Errors on Consumer Checking account screening report. I've been writing to request a correction of the following information that appears on my early warning report. 

Customer ID : XXXX # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX This account on the report shows that I was suspected of fraudulent activity but I was the victim of a scam and not the perpetrator. I've asked to please investigate. I did not do anything fraudulent. 


Thank You for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: PA

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The 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 accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ). 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 paid as agreed on time as they should be due to the fact i was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The 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 accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ). 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 paid as agreed on time as they should be due to the fact i was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I have been a Citi credit card customer for more than 8 years. Citi Bank closed five of my Citi credit card accounts ( Citi Premier, Citi Reward Plus, Citi Costco, Citi Double Cash, and Citi XXXX XXXXXXXX ) at the end of XX/XX/2023, after I filed a billing dispute for XXXX on XX/XX/2023, for the online order I placed on XX/XX/2023, of total {$76.00}. The reason for my dispute is I returned the full order at XXXX 's store on XX/XX/2023, and received the order return confirmation email, but I have not received the refund on my Citi double cash credit card, after several communications. Citi closed all my credit cards because there was misrepresentation information about my disputes. The disputes related to this are XXXX and XXXX, which all favor my side on XX/XX/2023 after your investigation, after I provided the evidence ( attached for your reference ). I dont understand why you said I provided you with misrepresentation information for disputes as everything I did is true. I know there were a few XXXX disputes that happened in early XXXX, thats because my XXXX account had a technical issue and it lost track of all my XXXX returns without my awareness, so I never got the refunds for my XXXX returns and thats why I file disputes for not receiving the refunds after return, but I have never been asked to provide the evidence from Citi bank, otherwise I could send you the return tracking information and explained what's going on. I always follow your dispute guidelines and I think it is unethical to close all my credit card accounts without prior communication and the reason for closing my account is untenable ( If I provided misrepresentation information for dispute why do you favor my side after several months of investigation? ). I would hope you can reconsider my case and reopen my credit card accounts. Thank you so much!

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 2024-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Email below that was sent to AMEX " To Whom It May Concern, I received an offer in the summer of XXXX  ( around XXXX or XXXX ) to pay off the balance of my American Express Platinum Business Card ( Account Ending : XXXX ). The offer was that once the card was paid, it would be reinstated with a credit line of XXXX. During that time, I was in the midst of a move and did not receive any physical mail, so I could not read the terms and services. 

In each communication with the representative, the agents confirmed that this debit was only related to this account. Although I had another card that had been charged off, if I paid the balance on the AMEX Platinum Business Card ( Account Ending : XXXX ), this card would be reinstated. 

After I received the email confirmation of the offer, I saw that it stated dependencies on other accounts being paid off. I quickly called the agents, and they confirmed that this was just the general language and that it did not apply to my case. They also confirmed that if I paid just this card ( Account Ending : XXXX ) off, it would be reinstated. 

I took the agent 's oral communication as binding and proceeded to authorize the payment. However, after paying the debt and waiting for the allotted period, I was notified that renewal was not possible until my other balance was paid. 

I have been speaking to the team at XXXX for months, requesting that they have the backend and dispute team listen to the call logs. Multiple agents stated that payment of the single card for reinstatement is a binding offer and must be adhered to. 

After many communications with XXXX XXXX, he said the only way for the team to review the call logs from late XXXX to XXXX is for me to send a written communication to request this. Therefore, I am formally requesting that a further complaint be raised for Ref # XXXX and that the call logs be reviewed. I am requesting that the AMEX Business Platinum ( Account Ending : XXXX ) be reinstated based on the oral confirmation of the American Express agent. 

The Fair Debt Collection Practices Act states that deceptive means can not be used to collect debt and that oral communications have binding merit. The agents used deceptive practices to state that my AMEX Platinum business card would be reinstated regardless of the balance held on my other AMEX Gold Card. They specifically used language to deceive me and clearly stated that the offer would be granted if this single debt was paid. 

This practice of deceit by multiple agents will not be ignored. I hope that you review the file quickly and reinstate the AMEX Business Platinum Card within the next 30 days. 

I have also submitted a complaint to the Consumer Financial Protection Bureau and will be seeking legal counsel to have this matter handled through other government agencies if it is not resolved promptly. '' Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. PLEASE REMOVE THE FOLLOWING INQUIRIES THAT I HAVE FOUND ASAP. 

Inquiries EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: FL

Complaint narrative:
Company hasnt sent or reached out to me the verify the debt, its been well over 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
When I found out about this debt I called the debt agency and told them they were not supposed to have any of my information because this is a HIPAA violation. I did not authorize any third-party company to obtain my information.

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