vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-14 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: GA

Complaint narrative:
I want these negative reports removed

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 2024-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/ I ordered XXXX XXXX XXXX through the XXXX app. The total was {$30.00}. The XXXX employee delivered someone else 's order by the name of XXXX. By the time I realized that I received someone else 's order, the XXXX was at the end of the parking lot on her way out. I immediately contacted XXXX, explained the issue and asked them to either redeliver the correct order or to give me a refund, in which they refused. I then called XXXX XXXX XXXX directly and made the employee aware that the XXXX XXXX was given the wrong order and I had someone else 's order. The lady told me that since I ordered through a third party which is XXXX then I would have to contact them regarding any issues. I communicated back with XXXX  again and sent them proof of the wrong order via the same screenshots I'm sending you. I then decided to communicate with the vice president of XXXX XXXX XXXX to explain my dilemma and he told me the same thing his employee said that since I paid through a third party app I would have to get my refund through them. I asked for a manager to contact me back at XXXX in which they claimed it would take XXXX hours from the time I placed my order which should have been XXXXXXXX XXXX. that night but no one has contacted me back up until the present day. I immediately reached out to my bank Chime and filed a dispute, I provided them the same proof that I provided XXXX stating that I never received my order, yet my {$30.00} payment was never received back for their discrepancy. Chime just recently sent me a email stating that they saw no error and that they refuse to refund my money. I just need my {$30.00} back that I've been waiting to receive since XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I called Freedom mortgage 3 years ago and asked why I was still paying PMI and the representative told me I was not paying PMI. Later on I realized I am PMI still and he was dishonest or mistaken. I have called and written requests of removal 4 times and each time they give me a different answer each time with a new denial. Freedom Mortgage sent me a letter with " GREAT NEWS '' stating My home value was {$600000.00}. My loan with them is now {$120000.00}. My original loan was {$150000.00} with over {$7000.00} put down for closing. 

The law states that I should have my PMI removed and I want to file a complaint that they have continued to refuse and deny the PMI refusal for their own financial gain and nothing else. That the threat that PMI was intended to protect them and is no longer there. 

PMI Cancellation Act benefits me under the right to remove PMI once you have reached 20 percent equity in your home ; that is, once your loan balance reaches 80 percent of the homes original value. So, I get a 2 percent jump here, which saves me from having the PMI payment.

For example, 20 percent equity in a {$300000.00} home means you can submit a cancellation request when your outstanding balance is {$240000.00} {$6000.00} less than the 78 percent equity threshold. 

I QUALIFY BECAUSE I HAVE DONE THE FLLOWING : -- -I have made the PMI cancellation request to my lender Freedom Mortgage in writing. 
-- -I have been current on your mortgage payments, with a good payment history. 
-- -I haveno other liens on the home or second mortgages. 
-- -I recieved Freedom Mortgage 's very own appraisal in the mail stating my home was valued at {$600000.00}. My homes value has skyrocketed not to mention the entire home was completely and elegantly remodeled. That notice of the value directly from Freedom Mortgage is attached. 
-- -My original mortgage was $ XXXX and now I owe {>= $1,000,000} ... ,20 % equity is {$31000.00} which calculates to {$120000.00} BELOW WHAT I OWE SO I DEFINITELY QUALIFY!

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 2024-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have been consistently marked delinquent on my account since XX/XX/2023. I did have rejected auto payments going to a checking that had fraud alerts after my ID was stolen. I made the payments manually to make up for those before the XXXX day mark. However, after getting the credit alert, I was made aware that I was being marked late. This was surprising because I either call or go online or both before making a payment to be sure I have the correct amount. This has happened the last few times Ive spoken with them. I get XXXX  amount from the rep or the portal online and then another after the payment has been processed. I just spoke with a supervisor last week that assured me I had the correct amount and now I received a call today saying I am late and owe XXXX times more than what shows online. I at requesting that someone listen to these tapes and look at the chats to verify what Im saying because Im likely not the only person dealing with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been a customer with Capital One for over XXXX years. This was my XXXX  credit card when turning to an adult. With that being said, recently I opened additional credit card with them and had no issues. I also have a checking account with them which i barley use and multiple times when i make a payment it reverts to my capital one checking account instead of my XXXX XXXX checking account for my payment. Mind you that i made several payments prior to my credit card payment being due. Since i have made several errors with my payment method, capital one closed both of my credit cards, due to returned payment. 99 % of those returned payments was because of the system auto filling it to my capital one checking account and not my XXXX XXXX checking account. This is my error as well which once i see the mistake was made, I immediately go back on the app and re-submit my payment from my XXXX account. Them closing my XXXX credit cards for this mistake caused a negative impact to my credit and also created a negative affect to my financials. I am seeking Capital one to reopen my credit card accounts and also report it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
My sister 's XXXX account was compromised. The scammer then called me, pretending to be her, urgently asking for help while claiming to be in the XXXX  and in need of money due to a delayed process. Believing it to be true, I rushed to WesternUnion to send the money, thinking it would be delivered quickly. After completing the transfer, I repeatedly called my sister 's XXXX, but there was no response. Concerned, I contacted her husband, only to shockingly discover they hadn't reached out for help, and my sister wasn't XXXX  at all. Realizing it was a scam, I immediately contacted WesternUnion to halt the transaction while its still pending and retrieve my money. But the company refused to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Subject : Urgent Matter - Vehicle Repossession and Security Interest Revocation Dear West Lake Financial, I hope this letter reaches you in good health. I am writing to express my concern regarding the repossession of my vehicle, despite having previously revoked the security interest associated with it.

It has come to my attention that there might be a misunderstanding or oversight in the handling of my account ( Account # XXXX ). I kindly request an immediate and thorough investigation into this matter to rectify any discrepancies that may exist.

I believe in fair and transparent dealings, and I trust that we can resolve this issue amicably. I hereby request that you address and rectify the situation within the next XXXX  days. Failure to do so will leave me with no option but to escalate the matter further. 

In the event that this issue is not resolved satisfactorily within the stipulated timeframe, I want to make you aware that I am prepared to request a XXXX XXXX XXXX XXXX  over my account. This is to ensure a comprehensive examination of the situation and to maintain transparency in our dealings. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have a credit card for Talbots which is managed by Comenity Bank. 
I pay my bills on time and recently began to pay them through my on line banking. Twice I received fees for late payments. The first time I thought it was my fault. The second time, I called. It had taken them over a week to post my payment after they received it from my bank, and therefore they considered me late. They would not eliminate the charge nor could they give me the policy on when payments are posted related to when they are received. 
Since I have done business with Talbots for XXXX 30 years I tried again and purchased something on XX/XX/XXXX and received a bill for {$84.00} on XX/XX/XXXX with a due date of XX/XX/XXXX. I thought that was plenty of time to be paid through my online banking so I paid the bill on XXXX through my online banking but it would not be paid out until XX/XX/XXXX which still seemed like plenty of time to be posted. It was paid by my bank on XX/XX/XXXX. 
Comenity Bank did not post the payment until XXXX  which resulted in a {$37.00} late fee which I think is unacceptable. I will not use my Talbots card again, but meanwhile, this must be happening with other customers. This is too bad as I have been purchasing from Talbots for XXXX 30 years and never had an issue until Comenity bank took over. 
I find their practices " shady '' at the very least.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
Frontline as is and account i dont recognize as mine .. this account doesnt Show where and when was open for...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcct # XXXX I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On ( XXXX XXXX Account ) XXXX XXXX XXXX- XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX ( XXXX XXXX XXXXXXXX Acct XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/120 XX/XX/150 ) ) you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to 69 a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the late payment transactions deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 
Further more 15 USC 1666b ( a )

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Acct # XXXXXXXX XXXX XXXX  XXXX Acct # XXXX XXXX card acct # XXXX I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On ( XXXX XXXX Account ) XXXX XXXX XXXX- XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX ( XXXX XXXX XXXX Acct XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/120 XX/XX/150 ) ) you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to 69 a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the late payment transactions deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 
Further more 15 USC 1666b ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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:
I want these negative reports removed

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 2024-01-14 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: GA

Complaint narrative:
I want these negative reports removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Subject : Urgent Request for Revocation of Security Interest Dear J P Morgan, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency regarding the security interest associated with my property. The company has recently repossessed my property. I have already revoked my security interest before the repossession took place. J P Morgan has not cooperated in revoking the security interest promptly. 

In light of this, I kindly request a thorough review of my account and the associated security interest. It is imperative that we address any discrepancies or concerns to prevent the unfortunate circumstance of repossession. 

Should this matter not be resolved satisfactorily, I want to make you aware that I am prepared to escalate the situation further. I am prepared to request a XXXX XXXX audit over my account to ensure transparency and clarity in the handling of this issue. 

I believe in an amicable resolution and trust that we can find a solution that benefits both parties. Your prompt attention to this matter is greatly appreciated. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/, I made several disputes to the three major credit reporting agencies, through the CFPB, notifying them of inaccurate information reporting on my consumer report ( Credit Profile ). At that time I included screenshots of the inaccurate information and requested that the items be promptly REMOVED due to the inaccurate information. I also notified the reporting agencies that, at the time, this was my third time notifying them of inaccurate information and also unverified and incorrect 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 non-monetary relief
Consumer complaint received 2024-01-14 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: IL

Complaint narrative:
According to 15 U.S. Code 1681c2, " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. On XXXX XXXX XXXX I identified the following accounts as a result of identity theft, and these accounts remain on my credit file. You are in direct violation of the FCRA. This is my 2nd demand for removal. If not corrected, the next step will be legal action. Remove and block the following accounts : - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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: NJ

Complaint narrative:
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account namXXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX, Account name : XXXX XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-01-14 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 XXXX using account 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 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 non-monetary relief
Consumer complaint received 2024-01-14 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX using account 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 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 response to consumer: Closed with non-monetary relief