vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am currently under daily unbearable stress with this situation with Shellpoint Mortgage. This situation seemed to have derived from the Loan Modification done with my home in XXXX, which did not cause an issue until my mortgage was obtained by Shellpoint Mortgage. 

Since the modification in XXXX there was a period of me not being able to pay when I did come off XXXX as a XXXX in XXXX shortly after the start of the Pandemic, due to the Pandemic. 

However, in XX/XX/XXXX I was able to do a forbearance with the mortgage and the previous mortgage company and things were getting back on track. The forbearance ended on my mortgage in XX/XX/XXXX, and I began making my regular payments. I made the regular monthly payments from XX/XX/XXXX to XX/XX/XXXX. My loan was transferred to Shellpoint in XX/XX/XXXX. I tried to make my monthly payment for XX/XX/XXXX online and the site would NOT allow me to. I also noticed at that time the Modification seem to not be honored any longer because the past due amount and outstanding balance, both were totally different from the previous month with my last lender. 

I placed a call to Shellpoint inquiring why I could not make a payment online, why there was a difference in the loan balance, and why was the past due amount incorrect. The young lady on the call assisting me seemed confused on what was going on with the loan. But she did clearly state I could not make the one monthly payment I was trying to make. I was told the online system would not allow me to make any payments until the past due amount was paid. I replied with, the past due amount is incorrect, and I did not have that amount of money it was claiming was past due. 

I have been unable to get Shellpoint to correct this and honor the Modification I was under prior to transferring to them. I reached my point of total frustration with this when I received a credit alert showing Shellpoint reporting my loan past due for the incorrect amount, when I tried to make payments and was not allowed to. 

I really really need assistance in correcting this issue before it prevents me from continuing in the XXXX. Any delinquencies or past dues will cause my clearance to be revoked and in my job, I have to have a valid XXXX XXXX. No clearance, no job... XXXXthis affects my livelihood. 

Your attention to my matter is greatly appreciated!!! 

Very Respectfully, 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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I my XXXX XXXX account distributed XXXX to go to USAA which I have been doing weekly. Well USAA did not credit my account, when I contacted USAA she said they didn't receive it. I gave them a trace number XXXX USAA said they would put in a dispute on this but never contacted me back. I call usaa XXXX more times during the week with no answer, resolution. Then on XX/XX/XXXX USAA pulled XXXX from my account because XXXX XXXX questioned them about it. I called USAA again and was told because XXXX XXXX questioned them so they pulled XXXX to cover the XXXX of XXXX payment and this was not for the XXXX of XXXX it was for payment XXXX sent USAA on XX/XX/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 2023-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recover Services is trying to collect on a debt from XX/XX/2014 XXXX XXXX XXXX ). They are sending me communication in the mail and calling my phone to get me to make payments on such old debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: WI

Complaint narrative:
Once again after months of battling this fraud, I'm addressing Equifax is reporting fraud accounts on my credit report. Equifax continues to violate my rights & have failed to provide legal proof. I requested actually physical proof months ago, starting in XXXX, XXXX & XXXX & I still haven't received anything back. Equifax investigated with the companies reporting fraud & say it's verified but show no actual proof, any one can show a credit bureau a bill & my info, that some one stole from me! They pay these credit bureaus to report fraud & it needs to stop!! I been a victim of ID theft for years & I'm exhausted from this disaster & Equifax refuses to provide support. Equifax is breaking the law over & over & so are these companies reporting fraud! I Will proceed with a law suit if Equifax doesn't stop breaking the law. These accounts are FRAUDULENT!! XXXX XXXX acct # XXXX {$2200.00} & XXXX XXXX XXXX XXXX acct # XXXX {$2800.00}. Equifax nor these companies have supplied me physical lawful proof in the 30 day time frame & now XXXX has passed & this is way passed the legal time, therefore Equifax must remove them! I have NOT received any documents I requested months ago. I have also submitted a complaint to the CEO & CFO of Equifax. & I HAVE FILED A COMPLAINT WITH THE ATTORNEY GENERAL! Equifax has 14 days to remove or I'm filing a law suit, my attorney will be contacting you soon. 
Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
In XX/XX/XXXX XXXX  my husband and I moved to XXXX from XXXX I registered my XXXX XXXX ( leased from Kia Finance America ( KFA ) ) and paid all taxes and fees including the {$250.00} Highway Use Tax. 

In XX/XX/ KFA began charging me {$28.00} per month to reimburse them for XXXX Sales Tax. I have called multiple times and written numerous letters explaining that XXXX  Sales Tax is called a Highway Use Tax ( HUT ) and is limited to {$250.00} for vehicles being relocated to XXXX  from another state ( see attached document from the XXXX DMV website ). This has been verified through conversations and emails with XXXX DMV ( attached ). 

To date they have insisted that I owe them the tax but XXXX DOT has no evidence of any tax being paid to them on my car nor do they show any tax owed. In fact, they have confirmed that no taxes are owed until I renew the registration next month. 

I feel like Kia is collecting this 'tax ' to keep for their own profit and assume since they call it a tax people will not question it.

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 2023-10-18 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: TX

Complaint narrative:
My direct deposit went to chime on XXXX XXXX I could not get my money my ATM cards would not work they took my social security check and chime told me they were not going to give me my check back after I disputed it, then I couldn't get back in touch with them they let someone get into my account and said there was nothing they could do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
I had an account with Fortiva - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I closed that account a few months ago. I was asked recently if I wanted to appy for a new account, of which I asked may I just have the old account reopened. I was told that would not be a problem and for a fee of {$25.00}, I could have a card expidited to me. I took the offer. When I received the card, I activaitated it and as you can see from the enclosed images, it said teh card is ready for use. I tried multiple times, to use the card, I called Fortiva, multiple times to discuss this. Enclosed are just a couple of nmany examples of the result of those calls. Eventually and multiple times after, I was told, that becaused my account was just reopened, I had to wait 30 days to use it or a full billing cycle. I repeatedly asked, where was that disclosed and why was I charged a fee, for a product that Fortiva and others knew, was of no value, as advertised. Each agent I spoke with, had no idea - no answer. 

I called, XXXX XXXX XXXX XXXX, they did not have an answer, I asked to speak with a supervisor, no answer, one was not abke to speak with me and never called me back. 

I called XXXX, their CEO, XXXX XXXX, XXXX XXXX, their CFO and XXXX XXXX, their Compliance manager. Neither of them took my call or returned my calls. To date, my matter is still unresolved. 

They also did a hard pull on my credit report which lowered my score and showed I had more credit, than I really did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I applied for a brand new TD Bank Credit Card I am now told I must go into a local branch which I do not have enough time in the day to do so .....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-10-18 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX, account number 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: FL

Complaint narrative:
My employer has caused a financial hardship from internal errors resulting in my family having to make our payments within 30 days of the due dates and spread those payments out. Since the hardship, I've been making our payments the following month but within the 30 day timeframe. XXXX XXXX does NOT display the past due amount or last month 's balance due on their statements or online. Because of that, I have to try and calculate what the prior month 's minimum payment is. I simply pay half of the total balance due as the balance on the statement reflects 2 months payments but does NOT itemize what the prior months balance was. This resulted in my payments being mis-allocated and XXXX XXXX did NOT properly communicate to me that they would report my payment 30 days late, due to a past due balance showing {$11.00}. My monthly payment was {$220.00}. XXXX XXXX did NOT notify me or communicate properly that I had a past due balance of {$11.00}. If I had known, I would've just paid it. I spoke with a Sr. Accnt Manger, XXXX . She confirmed on a recorded phone call that it WAS a XXXX XXXX error but I would need to go through the dispute process to have it resolved. My wife and I always pay our bills on time but have recently had to resort to the 30 day window. This is a violation of 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EdFinancial Services
State: IN

Complaint narrative:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: EdFinancial Services
State: TX

Complaint narrative:
I am a victim of identity theft and I've been dealing with this for months now and Im now having the same problem I had with XXXX and XXXX that I am now having with XXXX. Some one stole my identity, used my maiden name and obtained a federal student loan through EDFinancial to attend XXXX XXXX XXXX in Louisiana. Ive tried to contact the school I have yet to hear back from them. Im still battling with Ed Financial to get this off my credit and all obligations to this loan. I have summited a police report and other documents supporting my dispute. I was informed that the loan was obtained by the thief in XXXX of this year 2023 to an address in XXXX XXXX Louisiana. Ive never went to school there nor have I ever lived in Louisiana. Born and raised in XXXX. I also have proof of residency for the time frame the loan was obtained. I am seeking help in this matter. It has caused major XXXX and delay in plans for a home. I have also files under XXXX as a few websites have suggested. Im so lost at this point and hoping that someone can help me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2023-10-18 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: AL

Complaint narrative:
Identity theft. Information belongs to someone else.

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 2023-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: LA

Complaint narrative:
I financed a used vehicle from XXXX XXXX XXXX in 2021 and I was aware that I was financing for the amount of XXXX. I have yet to get an update on my credit report. they are reporting late payments when i have made XXXX on time payments which is more than the cost I agreed to finance. I have contacted WESTLAKE financial, and they told me that my contract stated that I owe XXXX, which was not what I agreed to. I have been frauded of an auto loan. My signature was forged on a separate contract that I am not aware of I didn't agree to an auto loan for XXXX and I am aware of the violations of the TILA ( truth in lending act ) an WESTLAKE financial is in violation of, Lenders have to provide borrowers a Truth in Lending disclosure statement. It has handy information like the loan amount, the annual percentage rate ( APR ), finance charges, late fees, prepayment penalties, payment schedule and the total amount youll pay. 
If a disclosure becomes inaccurate because of an event that occurs after the creditor delivers the required disclosures, the inaccuracy is not a violation of this part, although new disclosures may be required under paragraph ( f ) of this section, 1026.19, 1026.20, or 1026.48 ( c ) ( 4 ) .Creditors must re-disclose terms or costs on the Closing Disclosure if certain changes occur to the transaction after the Closing Disclosure was first provided that cause the disclosures to become inaccurate. There are three categories of changes that require a corrected Closing Disclosure containing all changed terms. ( 1026.19 ( f ) ( 2 ) ) Changes before consummation requiring new waiting period. If one of the following occurs after delivery of the Closing Disclosure and before consummation, the creditor must provide a corrected Closing Disclosure containing all changed terms and ensure that the consumer receives it no later than three business days before consummation. ( 1026.19 ( f ) ( 2 ) ( ii ) ; Comment 19 ( f ) ( 2 ) ( ii ) -1 ) The disclosed XXXX becomes inaccurate. If the annual percentage rate ( APR ) previously disclosed becomes inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected APR disclosure and all other terms that have changed. The APRs accuracy is determined according to 12 CFR 1026.22. ( 1026.19 ( f ) ( 2 ) ( ii ) ( A ) ) The loan product changes. If the loan product is changed, causing the product description disclosed to become inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected loan product and all other terms that have changed. ( 1026.19 ( f ) ( 2 ) ( ii ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I contacted XXXX regarding the freeze lift and it has yet to be done and also the credit bureaus are reporting incorrect credit information. All three bureaus are consistent with there reporting. 

Since file a case of racketeering these XXXX members have gone above and beyond to make my life a living XXXX. 

Please, call you assist me with this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted XXXX regarding the freeze lift and it has yet to be done and also the credit bureaus are reporting incorrect credit information. All three bureaus are consistent with there reporting. 

Since file a case of XXXX these XXXXXXXX XXXX have gone above and beyond to make my life a XXXX XXXX 

Please, call you assist me with this please.

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