vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This dispute involves a bank. Citibank, that failed to properly handle a dispute. 

On XX/XX/XXXX, I placed an order online with a business called XXXX The company sent me a used product and tred to claim I damaged it and returned it. 

Pursuant to the Fair Credit Billing Act that requires I first make a good-faith effort to resolve the issue with the merchant, I phoned XXXX on XX/XX/XXXX and spoke to XXXX to get an explanation as to what they were talking about. XXXX just kept telling the same old tired lie that I received the wig, and in just a few hours I intentionally damaged it with a pair of scissors and then returned it the very next morning. This story is outrageous. 

This business is engaged in unfair and deceptive practices, or consumer fraud with MANY customers also claiming they received used goods. 

On XX/XX/XXXX, I submitted a dispute to Citibank via email. I attached complete supporting information. On XX/XX/XXXX, I received a message from Citi asking for info I had already provided and focusing on a return of the merchandise which was not my issue at all. It appears that Citi may be using some kind of bots to handle disputes. Regardless, on XXXX, XXXX, I again provided the information to Citi and sent it via XXXX XXXX Mail. Citi received it on XX/XX/XXXX. Then, immediately in a letter dated XX/XX/XXXX, Citi said it had investigated the dispute and they were reversing the provisional credit since they had found in the merchants favor. But to the best of my knowledge, the merchant was never contacted as part of the investigation process. 

On XX/XX/XXXX, I sent an appeal of Citis decision via XXXX XXXX Mail to which Citi never acknowledged or responded.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am trying to dispute an invalid collection on my account by XXXX XXXX XXXX. I first submitted the dispute a few months ago, and my dispute was automatically closed without any proper research. I submitted it again online directly through Transunion, and this time I provided a letter from the collector confirming they had removed the debt. I noticed the status said : " Delivery by postal mail. '' I chatted with a customer service agent through live chat and was told the dispute was canceled. This is not what I see on my end, and they offered to submit it again.

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 2024-02-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: AL

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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: AL

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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
First Access XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy XXXX, any debts that are XXXX in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ FIRST ACCESS ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ FIRST ACCESS ] for violating my rights as a consumer. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
Lexus Nexus Risk Solutiions has been providing the report they maintain on me with my personal and private information to third parties without consent. I request a security freeze on all Lexus Nexus reporting and they stated a security freeze is in place however they have provided my reports including XXXX XXXX reporting to third parties without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: IL

Complaint narrative:
Transunion, XXXX, and XXXX are reporting inaccurate information on my report. Per Fair Credit Reporting Act all reporting agencies must have the consumer written permission to report on their behalf. I have not given anyone written permission to report anything on my behalf. I am asking that XXXX XXXX XXXX  be removed, All inquiries that do not have an open account attached to it, all of the XXXX accounts, all late or missed payments. Per the FCRA the ONLY person that can report accurate information would be the consumer. Any one else providing any information without written consent is defaming the consumer 's character and causing harm. If written proof can not be provided to me that I gave permission for the things to be reported I would like them to be removed immediately ; along with all addresses, employment, and phone numbers for this puts me at risk for identity theft. and I would not like my information to be breached.

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 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT

Complaint narrative:
XX/XX/year>, I made my upcoming XXXX payment. Then i got a call from Lakeview Mortgage telling me that my payment was delinquent. I told them that the payment was made on XX/XX/XXXX through the online portal. They told me to reach out to my bank and find out because they had not received a payment. I called my bank and was told that Lakeview had never asked/cued a payment. I called XXXX back and told them what my bank informed me of. The payment was still sitting in my account. They asked me to verify my account info, which I did, and they told me that was not the info they had on file??? I have only every had one checking account for over 15 years and all my previous payments had come out of that account. While waiting on hold I heard a msg about XXXX being subject to a cyber security breach. I asked the rep about it and was told that they could transfer me for more info. I declined as I wanted to settle this payment issue. After getting several payments declined notices from XXXX ... ... .NEVER, not one from my bank! I called back several time trying to satisfy this issue. I finally went on my portal, after not being able to access it for several weeks. When I went into the payment info, the account number they had listed for my checking account was not even close to my real account number. I called back and told them that I must have been part of the security breech and I had fixed the account info and was wanting to pay ( NOW XXXX PAYMENTS ) and was told my account had been locked and I was no longer allowed to pay online or by check, that I must send in a XXXX  or cashier 's check, which that would make my XXXX payment late! I was EXTREMELY upset. I called my bank and drafted the amount due of XXXX to be directly sent from my bank. I got notice from XXXX that they had received my payment but were reporting the delinquency to the credit bureau. In the meantime, through the mail I received a packet telling me how to avoid foreclosure! I was so incensed, called by attorney who advised me to contact you. I have checked my Credit report, and it was decreased by XXXX points, and I think this is very unfair and WRONG. I have had nothing but problems with this company since getting my mortgage. Horrible company and terrible customer service.

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 2024-02-22 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: GA

Complaint narrative:
I received notification from the IRS saying that someone filed taxes in my name last year. This was also done for the year of 2016. I have alerted the credit bureau but they continue to report incorrect information. They have a bankruptcy listed as well as an XXXX account that showing lates and an XXXX account, one which was closed many years ago and the other reporting 30 days late on an XXXX balance. I have disputed these items without success. I have documentation of the fraud, the letter from the bankruptcy court denying supplying any such information to the credit bureau. They are also showing incorrect personal information which I have disputed without success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: NJ

Complaint narrative:
New Jersey Office of the Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX Dear sir, I have received some letters from Equifax recently. And one of them advised me to contact with you, state of New Jersey Attorney General, which was dated on XX/XX/24. For a few months, I have been checking the credit reports issue by XXXX companies, XXXX, Equifax, XXXX, and XXXX. Somehow, I was introduced to file with XXXX, which did not repeatedly send me letters asking same things, such as my identification. Regarding XXXX, it is not clear to whom the letter is meant, since there is no addressee on the cover letter, only XXXX even though I have received other letters from this company and need to read them. Same as XXXX, I asked Equifax some ambiguous my bank credit card record, which continuously changed and already in dispute with CFPB. Personally, I can not figure out why these XXXX companies are asking identification information. XXXX continues to send emails after changing some aspects of my bank credit card information, which causes the question whether it is necessary or not, or whether this office want to give me the answers which I asked previously. Regarding Equifax, I continuously send the copies of social security card and drivers license in black and white. About this letter from Equifax, it advised me about security freeze, and I am certain I already sent the necessary documents several times ; therefore, I will answer other letter from Equifax, which asked the identification documents, again the copies of social security card and drivers license, which has my picture taken 5 or 6 years ago at XXXX and have the question and concern whether the appearance will stay same such a extensive period. However, I know there is the mystery of modern cosmetic technology and make-ups. After these months, I have a question how we can identify ourselves with these people, who constantly change themselves by some mysterious techniques. Regarding credit report itself, there is no information in these letters. They just ask the identification documents and security freeze and ( extending ) fraud alert. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Around the beginning of XX/XX/2024 Zelle Wholly owned by Early Warning Systems Inc, Suspended my Zelle profile with every financial institution. There was no reason or explanation as to why my Zelle Profile was Disabled with my Banking institutions. After further investigation it it appear that XXXX XXXX opened fraudulent account 's a XXXX XXXX, Savings, and Checking. XXXX XXXX also opened an online banking profile, and Zelle Profile. I called XXXX over XXXX Times, and Advised them. First of all I have never applied for any of the account 's listed above, I have never signed any applications and these were fraudulent account 's. I have asked XXXX to Deactivate the Zelle profile as It was opened as part of Identity Theft, XXXX refuses to deactivate the profile and said they are investigating it. Meanwhile, XXXX reported FALSE information to Early Warning stating that I may have used Zelle for a fraudulent transaction or for illegal purposes. Which means you may have used it for XXXX XXXX Or If one of the Zelle transactions has been used for Gambling Purposes, Or If a Zelle Transaction has been used for a scam or if it has been reported as Fraud by the receivers bank for any transaction sent. None of this has occurred. I never have disputed any Zelle Transactions, I have never used my Zelle for any Illegal Purposes, Nor have I violated any Zelle Terms or Conditions. I only use Zelle for paying my family for Tips or splitting the bill if we are out to eat. I do not send ZELLE to anyone I do not know, and nor have I ever disputed any Zelle charge. Fraud nor Dispute. Yet due to XXXX INACCURATE LIES And reporting, Early Warning Systems put a suspension on my Zelle Profile globally, Like a Black list of sort. This is causing me Financial HARM. Again, I have never disputed a single zelle charge, and I have never used it fraudulently. XXXX is my actual bank and it was disabled. XXXX says they can not assist me, Because they did not report any information about me to Zelle. XXXX Did, I am now requesting A Dispute to the reported information from XXXX. I want my Zelle Profile Reinstated with Zelle. I am submitting my Dispute to the reported information. This information that was reported from XXXX Is false and Inaccurate, and It has caused Zelle to take a Global approach to Suspend me as a customer based on false pretenses. I am a victim of Identity Fraud, and I did not committ any fraud against Zelle. I did not use Zelle to infringe upon any of their terms and conditions either, and I have never used zelle for a fraudulent purpose. I read the terms and conditions and I want to be removed from the false reporting by XXXXXXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank is the absolute worst. Dealing with them is an absolute nightmare. They purchased my mortgage in 2022. They sent out a notice that I have an escrow shortage of {$600.00} and change and want to increase my monthly payment by {$100.00} for a total of {$1200.00} per year. {$600.00} and change divided by XXXX does not equal {$100.00} Chase! I have sent a message not once but 3 times through the online portal! And no response as usual!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I reviewed my account to find multiple {$41.00} late fees on my care credit account. I called the company to see what was going on. I was told that I had made multiple late payments that I was not aware of. I advised rep that I thought payments were due on the XXXX of each month only to be told that they are due on the XXXX of the month. I asked for the late fees to be waived and I would put account on autopay to avoid this issue. I was told no late fees could be waived because a late fee was waived back in XX/XX/2023!! I disagreed with the rep telling her this is the first time I had contacted care credit regarding this account which was opened in XX/XX/2023! Not only are they charging excessive fees but they are lying about removing late fees on accounts!! If they did it to me they are doing it to other customers... I was told today a late fee of {$30.00} was waived in XXXX but the late fees showing on my account are {$41.00} ... Rep also told me I could find where fee was waived on XXXX statement but I reviewed the statement and I saw nothing because they are lying!!!!!!!!

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