vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
After viewing my credit report for XXXX credit card, XXXX, there was a LATE PAYMENT which reports. 
LATE PAYMENTS are illegal to be reported per 15 USC 1666b ( a ) Time to make payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I do not receive statements 21 days before due date.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I was never given an option to OPT OUT. 
I hereby revoke XXXX XXXX XXXXXXXX XXXX from reporting information for the account mentioned to all credit reporting agencies. Again, XXXX XXXX XXXXXXXX XXXX  and the Consumer reporting agencies TransUnion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked for 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 non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
After viewing my credit report for XXXX credit card, XXXX, there was a LATE PAYMENT which reports. 
LATE PAYMENTS are illegal to be reported per 15 USC 1666b ( a ) Time to make payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I do not receive statements 21 days before due date.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I was never given an option to OPT OUT. 
I hereby revoke XXXX XXXX XXXXXXXX XXXX from reporting information for the account mentioned to all credit reporting agencies. Again, XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked for XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After viewing my credit report for XXXX credit card, XXXX, there was a LATE PAYMENT which reports. 
LATE PAYMENTS are illegal to be reported per 15 USC 1666b ( a ) Time to make payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I do not receive statements 21 days before due date.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I was never given an option to OPT OUT. 
I hereby revoke XXXX XXXX XXXXXXXX XXXX from reporting information for the account mentioned to all credit reporting agencies. Again, XXXX XXXX XXXXXXXX XXXX  and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, whether it be verbal, non-verbal, written, implied or otherwise is revoked for 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 2024-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: GA

Complaint narrative:
CARVANA violated consumer financial protection laws including engaging in unfair practices, deception, and abusive acts. CARVANA has violated federal regulations in relation to the aforementioned loan, which warrants the termination of our contract. CARVANA REQUIRED a down payment in order to extend credit which is illegal according to 15 USC 1662 - illegally mixing credit and cash in a consumer credit transaction. CARVANA did not offer insurance and only required I provide insurance before the delivery of the vehicle that was purchase. Insurance is suppose to be included in the finance charge as the sum of all charges according to 15 USC 1605 Determination of Finance Charge. These violations not only constitute a breach of trust but also compromise the legality and ethical principles on which our agreement was predicated. Car loan labeled as a Retail installment contract and security agreement which is a credit application. Violations : 15 USC 1692e misleading representations. 15 USC 1692j - false & deceptive. 15 USC 45 - unfair Methods of competition. 15 USC 1602 - multiple violations. I have no obligation to a breach of contract due to The Truth and Lending Act. CARVANA willfully violated provisions of Truth and lending Act. CARVANA is responsible for civil liability, punitive damages, payments made up to date, return of down payment, the finance charge, and {$1000.00} for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
15 usc 1692c ( c ) you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above referenced account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Loan South Finance & Tax Service of Troy, LLC
State: TN

Complaint narrative:
Company sent live loan check through the mail and it was deposited by family member into their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK 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 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to express my profound concern and dissatisfaction with JPMorgan Chases recent policy changes regarding the checking account fees, which I believe disproportionately impact economically disadvantaged customers. This policy not only undermines financial inclusivity but also exacerbates the economic challenges faced by the lower-income demographics.

It has come to my attention that Chase has decided to double the fees associated with maintaining a basic checking account. This decision is particularly disheartening and appears to be profoundly unjust, as it targets those least able to afford such increases. While any fee hike is a burden, doubling them in a single policy update is both severe and unreasonable. It is essential to recognize that for many individuals, a checking account is not a luxury but a necessity for managing their personal finances, receiving income, and paying bills. 

Furthermore, it is troubling to perceive that the additional revenue generated from these increased fees on basic checking accounts is contributing to a cycle of wealth accumulation at the very top, enabling a lifestyle of extreme luxury, such as yacht ownership, for the wealthiest individuals. This stark contrast in lifestyle opportunities, seemingly funded by those at the bottom of the economic ladder, is morally unsettling and paints a picture of a banking system that favors the rich at the expense of the poor. It prompts the frustrated outcry among many : " eat the rich. '' In light of these points, I urge Chase to reconsider this approach and seek ways to structure its fee strategies in a manner that does not disproportionately impact its most vulnerable customers. Adopting a more progressive fee structure or providing more robust waivers for low-income individuals could be potential solutions. It is crucial for Chase to align its business practices with principles of fairness and social responsibility, particularly in these challenging economic times.

Thank you for considering this critical issue. I look forward to your response and to seeing how Chase plans to address these concerns moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/XXXX notified Macy's/XXXX via letter and FTC report of identity theft and a fraudulent hard inquiry on my credit report in their name. I advised them it was not me and that I hadn't authorized anyone to open credit in my name. I requested they investigate, provide me with the original application documentation and to close any account, absolve me of any charges, and remove from my credit report. 

XX/XX/XXXX Macy'sXXXX sent a response letter via XXXX advising " the inquiry was submitted with intent to gain credit from Macy 's. The Inquiry being reported to your credit file was authorized and will remain on your credit file for XXXX years. '' This inquiry was not authorized by me, and Macy 's did not comply with my request for documentation as required by law.

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 2024-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
On XX/XX/2022, I submitted a request to MOHELA for employment certification for XXXX. The employer is no longer in operation and I included an explanation letter. It was denied. I provided proof by resubmitting the request with the organizations bylaws and W-2s, as recommended by MOHELA. I sent another explanation letter. 

This past employer was a non-profit that received XXXX and XXXX funds to provide services and supports to adults living with XXXX and frail elders. 

This past employer and other agencies like it have since merged into my current employer. These agencies operated in the same manner as my previous employer. My current employer was certified as eligible, as it should be, yet the previous employer was not. The previous employer has merged with the new and no operations or eligibility or non profit status changed. Both should be eligible, not XXXX vs the other. 

Additionally, a colleague who worked for one of the companies involved in the merger was granted certification for her previous employer, also no longer in operation, and was told by MOHELA they granted it because they could not prove eligibility for the employer no longer in operation. They told me the exact opposite, yet both agencies operated with the same funds, providing the same supports and services, as a non-profit. The only difference between the two agencies is that they served different counties in the state.

I have spoken with so many MOHELA reps and have been fighting this for XXXX years. I even was able to obtain a letter from the current agencys corporate counsel verifying that the previous employer was non profit and should be deemed eligible. Ive waited and waited for approval because I know this employer should qualify. Again, my current employer does and the previous employer has been denied even though they are now merged into one.

I have submitted all of the evidence I can and need help with this resolution because MOHELA is erroneous in denying employment certification for this past employer. If approved, I will be well past the 120 month requirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I went to check my credit score and saw there was XXXX hard inquiries on my credit report that I did not permit nor recognize and I than filled out a ftc report that I am now reporting to you. 
XXXX  XXXX Bank Capital one XXXX Bank XXXX XXXX BANK Capital one XXXX Bank None of which I permitted my credit be used or ran.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I went to check my credit score and saw there was XXXX hard inquiries on my credit report that I did not permit nor recognize and I than filled out a ftc report that I am now reporting to you. 
XXXX  XXXX XXXX XXXXXXXX XXXXXXXX XXXX Bank CBNA XXXX XXXX  XXXX XXXX XXXX Bank None of which I permitted my credit be used or ran.

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 2024-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Central Holdings, LLC
State: TN

Complaint narrative:
Company sent live loan check through the mail. Which is very stupid. Family member got it out of mail and deposited into their account with their name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: WI

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-14 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: WI

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: TN

Complaint narrative:
XX/XX/XXXX check was mailed to address. Family member deposited it in their account by signing my signature. It was deposited in their account not mine and was making payments on the loan through their bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC
State: GA

Complaint narrative:
I closed on a conventional mortgage in XXXX of this year. The first payment was due on or before XX/XX/2024. I mailed a payment to the first servicer on or about XX/XX/2024. It was apparently received on or about XX/XX/2024 ( see notation on the front of the check ) ; however, it did not clear my account until XX/XX/2024. 

In the interim, I received notice that my account had been transferred to XXXX different servicers : XXXX and then XXXX serviced by ServiceMac, respectively. XXXX initially falsely advised that they would not be able to cash the check. To ensure that I timely paid the first payment, I submitted another payment through the electronic payment portal of ServiceMac on XX/XX/2024. ServiceMac applied that payment to the XX/XX/2024 due date. 

On XX/XX/2024, the initial check cleared by bank. See attached. So, at this stage, I had made XXXX mortgage payments when only XXXX was due. I phoned ServiceMac about the additional payment by check that XXXX cashed. ServiceMac told me to give them 30 days for that payment to be transmitted by XXXX to ServiceMac. ServiceMac asked if I would like for that payment to be applied to the next XXXX due ( XX/XX/2024 ) or principal only. I requested that it be applied to principal only and said I would make another payment before the XX/XX/2024 due date. 

On XX/XX/2024 I made another payment through ServiceMac 's online portal. ServiceMac initially credited that to the next payment due, which was due XX/XX/2024, as they should have done. See attached statement. 

On XX/XX/2024, I emailed XXXX to advise that, contrary to what they had told me, the check had been negotiated by XXXX, yet the payment had ( evidently ) not been sent to ServiceMac. I asked for an update. I received no response. 

Today, XX/XX/2024, I logged on to ServiceMac in the hope that my balance would be updated to reflect the XXXX payments that had come due and been made and the additional payment by check to principal only. To my shock and horror, not only is ServiceMac still not showing the third payment by check- they are showing that my account is 13 days past-due! 

It appears that they reversed the credit for my first online payment on XX/XX/2024. That makes no sense. All of this is incredibly disconcerting and troubling and unacceptable. The failure to credit me for the initial payment by check is also costing me interest. 

I am a relatively sophisticated consumer. This is unethical, wrong, and could easily place someone less savvy in a bad position. At any rate, I should not have to police their records.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of 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 2024-04-14 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The following information does not belong on my account and should be deleted from my account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief