vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XXXX I was offered a promotion from XXXX XXXX XXXX 4.9 %. Great I accepted the offer and started the process and my balance is XXXX immediately so my interest at 4.9 % started on XXXX. 

My issue The other card was not as of XXXX has not been paid XXXX and is also still occurring interest. 

So today I am paying additional 4.9 % for the same XXXX. 

Bank states it's the policy that it could take 30 days for the transfer to get processed. I can transfer money in under a second from my account to another account without issue. 
I do understand sor processing time. XXXX days XXXX. 

What I believe needs to happen is my interest should not be accruing until the funds have actually been applied.

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 2023-05-17 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To whom it may concern on XX/XX/2023 I wrote to the credit bureaus asking them to conduct a verification of an account that is being reported on the credit report for ( XXXXXXXX  ). The account name is : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX  and XXXX conducted research and determined that the account was not valid and after investigation removed the account from my report. I myself conducted an investigation and also found the account to be invalid. XXXX did respond back to me stating the account would not be removed from my report after their investigation. 

In accordance to the Fair credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

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 2023-05-17 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: CT

Complaint narrative:
I've been getting denied for housing and employment. I decided to finally decided to sign up with a credit report and monitoring service. Thats when i seen a bunch of addresses, a name, accounts, collections, inquiries and many other inaccurate items on my reports.I then received a fraud alert to that my personal information has been compromised and has been found on the dark web. Its been found in a XXXX XXXX BREACH and other data breaches. I didnt understand what that is so I went on a few consumer law attorneys websites and they said that the law says that its credit reporting agencies duty to report only 100 % accurate information, or they can be held accountable. I sent XXXX a copy of my report and they said WOW this is horrible. My report is filled with inaccuracies and accounts that are not mine. They then pointed me to this website because this is a bad situation for me and my kids. We can not find housing and I am running out of time and this is holding me back from moving and getting my family into a better life.Ive also filed a report with FTC I dont understand how this is happening My reports are very inaccurate The only name that should be on my report is XXXX XXXX XXXX The only address should be XXXX XXXX XXXX XXXX, XXXX  XXXX. Also I didnt give any of these companies permission to pull my credit report. I didn't make the inquiries thats shown. XXXX, XXXX XXXX XXXX XXXX XXXX DEPARTMENT XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX  These are the accounts : XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX, There XXXX also accounts in collections that i dont recognize. I've never had an account with any of these companies and they are reporting false information. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX,

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 2023-05-17 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I reported a fraudulent application was submitted in my name to Capitol One and is reporting on my credit. They initiated an investigation at that time. 

Finally on XX/XX/XXXX, after I'd initiated several calls to inquire about the status of their findings, Capitol One confirmed via phone they'd learned of the status 3 days after I'd reported it failing to send any written communication. This is unacceptable. I am demanding a general letter from them confirming the application was indeed fraudulent as they failed to communicate a timely status of their findings and that I did report this to them. They are refusing to provide a general and formal letter confirming the application was fraudulent and they have closed their investigation. I am demanding they provide such general written communication in order to file an accurate police report with my local police department. They have 7 days to provide me with the written communication and I would like to know what my rights are if they continue to refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I obtained a title loan for XXXX in XX/XX/2021 from XXXX XXXX store XXXX XXXX. I have been paying from XXXX to XXXX per month for XXXX years. I still owe them XXXX with no relief for me. I'm a retired military veteran and XXXX veteran from combat service. I was taken advantage of by all the fast talking and tricks by their sales persons. Unfair under XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Retired XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: TX

Complaint narrative:
Please remove the accounts XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX from my credit report. I sent a dispute letter to the collection agency, and they said they would remove this account, but I am still seeing it on my XXXX and Transunion credit report. XXXX has removed this account. Please see the attached dispute letter that was sent to the company on XX/XX/22 which is dated, and time stamped. It has been over 5 months since my letter was sent, remove this account within 15 days of receipt of this complaint.

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 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023, I received both a text and email from Chase confirming if I authorized a charge or not on my debit card. The charge was from XXXX XXXX XXXX for {$120.00}. I have never heard of this business. Not only that, but I also never use my debit card except at the ATM. 

I clicked No and immediately tried logging into my Chase account. My Chase account had been locked, so I called Chase 's fraud department. I was asked to verify my identity and found out there were XXXX charges for the same company for a total of {$340.00}. The XXXX XXXX also went over my account details and found out that an email, phone number, and android device were added to my account that were not mine. An unknown phone number is still on my account with area code in XXXX. I've never even been to XXXX. The phone login from a XXXX device still shows on my account. I've only used Pixel phones for the past several years. Moreover, this business XXXX XXXX XXXX does not even show up on XXXX Maps XXXX 

So, Chase credited my account and then on XX/XX/2023, I received a letter in my Chase account stating that they found the charge to not be fraud and that " We have found that the transaction ( s ) was processed according to the information you provided or was authorized. '' and that they will remove the {$340.00} on or after XX/XX/2023. I don't understand why as even my account shows that there was someone who illegally accessed my account. 

I called them on XX/XX/XXXX after receiving that letter asking to escalate and they said the claim was closed and I had to fax in information that shows this was fraud. They couldn't tell me what information I needed to provide but I faxed them everything I could also on that same day. There has been no new information since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dispute of Negative XXXX XXXX Due to Late Payment Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute a negative XXXX XXXX entry on my credit report, specifically related to a late payment that occurred due to a technical issue. I kindly request your assistance in investigating and rectifying this matter. 

Account Information : Creditor : XXXX XXXX XXXXXXXX XXXX of Late Payment : XX/XX/22 Explanation of the Situation : On the date, I encountered an unexpected technical issue that caused a delay in the processing of my payment to XXXX  XXXX XXXX I have been a responsible and punctual customer with an otherwise exemplary payment history, as can be seen from my credit report. However, due to this isolated incident, my XXXX XXXX has been negatively impacted. 

XXXX Attempts : Upon realizing the issue, I immediately contacted the customer support department XXXX XXXX XXXX XXXXXXXX to explain the situation and rectify the matter. They acknowledged the technical glitch and expressed their apologies for any inconvenience caused. Furthermore, they assured me that the late payment would be adjusted, and the negative impact on my credit score would be reversed. However, despite their assurance, I noticed that the negative entry remains on my credit report. 

Supporting Documentation : To support my claim, I have attached copies of relevant documents, including correspondence with XXXX  XXXX XXXX regarding the technical issue and their promise to rectify the situation. Additionally, I have included any other relevant documentation related to my account and payment history. 

Request for Investigation and Correction : I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report. As an individual committed to maintaining a strong credit history, this negative entry inaccurately reflects my financial responsibility. I trust in the integrity of your bureau to rectify any errors and ensure the accuracy of my credit report. 

Conclusion : I would appreciate your prompt attention to this matter and a timely response regarding the progress of the investigation. Please inform me of the steps taken and provide an estimated timeline for the resolution. If additional information is required from my end, please do not hesitate to contact me. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this dispute. 

Sincerely, 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 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Since XX/XX/XXXX, I have been making Principal Only payments in addition to the regular monthly payments on my mortgage loan. On several occasions, I've contacted Shellpoint to apply the Principal Only payments as I have requested. However, ever monthly, they continuously take part of my Principal Only payment, apply it the regular monthly payment, use a portion of that money as interest. Then a few weeks when I make the regular payment when it due, they correct the applied payment to the Principal Only Payment. This practice has been ongoing and frustrating considering I've made several calls asking Shellpoint to stop this practice. Please see the attached payment history from XX/XX/XXXX through XX/XX/XXXX. My payments are due on the first of the month. I have my bank account set on autopay to have the regular payments generated a few days prior to the payment being owed. I also have an autopay for the Principal Only payments that is generated a fews day apart from the regular payment. On XX/XX/XXXX, I contacted Shellpoint customer service about the most recent Principal Only payment that again was applied incorrectly as requested. I was told that the correction would be made and the system would be updated within a few days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ). 15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. Remove this late payments and update the accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
someone has been using my information I have been trying to get these removed for a while no results so I recently went to the police department and they gave me a police report to send to bureaus they said this will help me and my situation

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 2023-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
It dates back to 2018, my XXXX insurance was active with XXXX XXXX. I got a XXXX injury, and I was taken to a nearby hospital using XXXX XXXX XXXX. 
I never checked my credit History until recently, when I noticed a collection by XXXX XXXX XXXX XXXX XXXX worth {$5000.00} by the Original Creditor- XXXX XXXX XXXX. 
I contacted the Collection agency and they lied to me that my insurance refused to cover Ambulance expenses and threatened me to pay all amount and when I told them that I would like to talk with XXXX first, collection agency personnel insisted that it is not going to be helpful and I should pay them right now to get rid of collection. They were trying to just rip me off. 

Next day, I communicated with XXXX XXXX and asked them about my coverage for 2018 Ambulance charges and I came to know that, they never received a bill from XXXX XXXX. I asked XXXX XXXX but they told me that claim was sent. So, I put a three-way call between the XXXX claim XXXX department and XXXX XXXX and XXXX parties agreed that there was negligence and XXXX XXXX never sent them a claim, recently that claim was sent and my insurance covered all the amount leaving behind just {$100.00} copay. 

This collection agency, XXXX XXXX XXXX XXXX harassed me on phone call, when I told them about all negligence by Ambulance and XXXX and settlement with them, they were not ready to listen and argued with me and threatened me to pay the {$5000.00} which I do not owe ( as I have already settled issue with original creditor ) and It was never my fault, that they didn't send a claim to my insurance. 
This collection agency is deteriorating my Credit since XXXX years and I do not owe them anything as it was not my fault at all. 
You can call XXXX XXXX to know more about this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I was going to take some LIVE TRAINING with XXXX XXXX, a.k.a XXXX XXXX, I was told I would get 5 days of DVD 's to review before the LIVE TRAINING takes place... I used PayPal Credit Card for this trains action.. After making the payment I seen that something was going on that the money want to XXXX XXXX and NOT XXXX XXXX I found out due to fraud that he cant use PayPal and is using other peoples names to do transactions.. 

At this time after him giving me two days of links to videos are not just videos of him videoing a tv screen.. nothing with training... I asked to cancel the deal.. he could not give me 5 days of DVDs and then he said he cant do the 5 days of training after I got hotel rooms and everything .... I contacted PayPal credit card but I was told that he give them proof so I can get a refund... 

f you do a search you can see so many fraud cases with him and so many of them still in court! 

https : 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 2023-05-17 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: FL

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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-05-17 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: FL

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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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