vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I never was late in XXXX and XX/XX/2023 ACCOUNT XXXX XXXX XXXX XXXX XXXX per 15 USC 1681i ( 5 ) I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding the late account reporting on my credit report for the months of XXXX and XX/XX/2023. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that this reporting violates my rights under 15 USC 1681i ( 5 ). I have reviewed my credit report, and it has come to my attention that the above-mentioned creditor has reported my account as late for the months of XXXX, XXXX, and XX/XX/2023. However, I would like to assert that this reporting is inaccurate and is adversely affecting my creditworthiness and financial standing. Under 15 USC 1681i ( 5 ) of the FCRA, I have the right to dispute any inaccurate information that is being reported by a credit reporting agency. I am hereby requesting an investigation into the accuracy of the late account reporting for XXXX and XX/XX/2023. My reasons for disputing this information are as follows : I kindly request that you conduct a thorough investigation into this matter as soon as possible and make the necessary corrections to my credit report if it is determined that the late account reporting is indeed inaccurate. Additionally, I request that you inform me of the results of your investigation in writing and provide me with a copy of my updated credit report once the necessary corrections have been made. Please consider this letter as a formal request to initiate the dispute process under 15 USC 1681i ( 5 ). I understand that you have 5 days to complete your investigation, and I look forward to a prompt resolution of this matter. Thank you for your attention to this dispute. I am hopeful that the CFPB will help ensure the accuracy of my credit report and protect my rights under the FCRA.

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 2023-10-26 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
My credit was ran numerous times without my permission

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 2023-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest illegally and fraudulently repod a vehicle I was still making payments on, then resold it. They have broken many consumer laws including deceptive business practices. They need to remove their fraudulent reporting from my XXXX and XXXX credit reports. XXXX has already deleted it from my credit history. They claim to offer payment deferrals, but apparently they never actually give them to any customers. ( Please look at their reviews and the many consumers they have taken advantage of in this manner ) I would like actual proof from Bridgecrest of supposed email or letter mailed to me denying deferment, one that was acknowledged and signed by me.

I would also like to see the loan agreement that shows that they are free to deny deferrals at will, again something that I acknowledged or signed.

They have nothing of the sort, because they are committing fraud. Stating I was 22 days late? Ive provided proof of payments through XX/XX/XXXX, XXXX to be deferred. They broke the law. Simple as that.

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 2023-10-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Mortgage company showed a check disbursement for insurance premiums on XXXX for insurance. On XXXX I got a call from the insurance company stating that a cancellation had been sent for non payment. I called the mortgage company immediately, they could provide no receipt or proof payment was sent and said theyd cancel the check and send a new one. On XX/XX/XXXX I called back because our insurance had still not been paid. I was advised that a request for a new check had been submitted but it was never printed and sent, the rep was going to pay over the phone with a credit card. I called back on Monday XX/XX/XXXX, 3 days after the cancellation date, only to find out that the reps credit card request was denied by management in lieu of a check being overnighted. The check was printed ob XX/XX/XXXX, finally mailed on XX/XX/XXXX, and signed for on XX/XX/XXXX, but the insurance company requires XXXX hours to process check payments and since XX/XX/XXXX was a Friday it was not processed until XX/XX/XXXX, leaving us without homeowners insurance for 4 days. I requested to speak to management regarding the issue and they have refused to call me back or speak to me on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX A collection is reporting with TransUnion for {$1500.00}. 
XXXX. I should not be charged early termination of fees since I left the apartment after multiple package theft occurrences. I've repeatedly tried to work with the XXXX XXXX  and they continuously failed to secure my property as a resident. 
XXXX. I do not understand the charges for reference no - XXXX. What is accelerated rent? I already gave 30 days notice to vacate the apartment. 

I have also called XXXX and they can not locate a balance due. They advised me to dispute with TransUnion which I did but they failed to remove the account.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
On XX/XX/2023 XXXX reported that I was 60 days late on my mortgage account. 

XXXX recently bought my Mortgage ( transfer was XX/XX/2023 ) They incorrectly reported that I am 60 days late. This dropped my credit score over XXXX points. 

I have made XXXX payments since the transfer of my loan. 

Both their phone system and online portals say my account is current. 

I have called the only customer service number I can find and there is absolutely no option to speak with a live person/representative. 

I have emailed them but have not received a response. 

I have filed a dispute with XXXX on 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 2023-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Hello, I XXXX XXXX am NOT liable for this alleged debt with XXXX XXXX XXXX XXXX XXXX XXXX. ( {$2100.00} ) ( Alleged acct # XXXX ) I DO NOT HAVE A NOR EVER HAD A CONTRACT WITH XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me with the original contract, as I requested several time. 
THANK YOU! 

Also for so reason there is an issue with CFPB system where when I type Yes I did request information from the company, it shows up as NO & doesn't show what info I requested & doesn't show the answer No the company did not send the info. 
So, I'm letting the company know, YES, I requested info from the company & this is the info : Legal verification, original contract, other legal documents, I requested in my XXXX Notice ( XXXX ) & NO the did not provide any legal documents I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Please see attached documents. In a nutshell, Card Benefit Services, on behalf of JP Morgan Chase Bank has refused to pay a valid claim for trip reimbursement expenses as set forth in the " Guide To Benefits '' associated with the Chase Sapphire Preferred Card. Each time I met their request for additional documentation, the representative would give another excuse as to why the claim could not be paid. This has been ongoing for the last 10 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
The company is claiming that I owe them a debt, but this debt is in reference to identity theft ; the company first placed the debt on my credit report in XX/XX/2023 and claimed that I owed them {$5000.00}, and I just recently saw my credit report and the amount of debt has changed from {$5000.00} to {$4900.00}, and now it says I owe them {$50000.00} all of these amounts are false claims ; as I have been a victim of identity theft in the past. I also sent them a NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM letter by certified mail most recently as of XX/XX/2023 as well ; and I am waiting for the reply back from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: NC

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CHILD SUPPORT ENF AG/N Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX NA Date of inquiry : XX/XX/XXXX Delete this account.

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 2023-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VT

Complaint narrative:
After mortgage company incorrectly reported to XXXX XXXX that I was " living in a disaster zone '' due to flooding in another area of the state in XX/XX/XXXX, my credit score was lowered by XXXX points, despite the untruth of this ( another complaint to be filed ) Then thry sent me Annual Escrow Account Disclosure Statement dated XX/XX/XXXX which did not included payments already made and informed me I would need to pay additional {$54.00} monthly for XXXX  months to cover proposed XXXX escrow shortage of {$280.00}. {$54.00} XXXX months equals {$650.00} which is greater than the so-called shortage amount. I wrote to them on XX/XX/XXXX asking for clarification. I paid my XXXX mortgage XXXX  days early as I have done for the length of the mortgage ( since XX/XX/XXXX ). They sent me a letter dated XX/XX/XXXX stating they received my inquiry and would respond on or before XX/XX/XXXX. I am still waiting for that letter. Instead, I got a phone call on XX/XX/XXXX and was told my mortgage payment was not credited because it did not include the {$54.00} which they demanded. I was told that they sent me a letter dated XX/XX/XXXX which I still have not received. Instead I got a Notice of Late Charge and the request to pay the mortgage of plus additional escrow amount. I already paid the mortgage on XXXX XXXX. They are now talking about foreclosure,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: First Technology Federal Credit Union
State: WA

Complaint narrative:
I ordered a Conure ( bird ) on their website XXXX XXXX XXXX  for {$550.00} on XX/XX/2023. There is no credit card payment, just XXXX, XXXX XXXX  was the payment method. I was suspicious when I saw that. But still went ahead and payed on XXXX via my bank. Once I paid, they asked for additional {$200.00} for shipping, which I refused to pay as I already sensed scam, they agreed to ship the bird with delivery date as next day. The next day XX/XX/2023, they say the bird is shipped and are asking {$1000.00} for insurance again on XXXX  or XXXX XXXX, this time from some fake shipping company. I stopped paying {$1000.00} and now I lost all the money with no refund and no bird

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 2023-10-26 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: NC

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS SECURCRED Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CAPITALONE Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XX/XX/XXXX a XXXX  XXXX bankruptcy was filed. All of my credit cards were closed. 

XX/XX/XXXX My attorneys office negotiated my overwhelming credit card debts ( no payments were ever late ). 
All payments were made as agreed with the couple of credit cards that were involved. 

However Chase kept returning my bank checks. The agreement was for 3 payments. One payment was accepted, the other 2 they kept returning. I called them and they refused to tell me where to send the checks because " I was represented by counsel ''. After many calls, they finally told me where to send the checks and I did, certified mail, receipt requested. I thought our agreement was completed and the debt satisfied.

No contact attempt has ever made to me or my attorney to the contrary. The large envelope I sent was never returned to me. 

Chase reported to the credit bureaus 4 year later! 
{$14000.00} Charged off/CO XX/XX/XXXX A duplicate reporting for the same duplicate amount on XX/XX/XXXX. 6 years later after debt was satisfied. 

Damaging my credit all over again. XXXX points down overnight and still dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: IL

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.

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 inructions 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 2023-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
It has been 3 years since I was contacted by a friend of a cousin, asking for a {$35000.00} loan to invest in his business. I tried contacting the bank to reverse the transfer as well as contacted a lawyer to take my case. I have not succeeded in getting my money back in both cases.

Company response to consumer: Closed with explanation