vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I've notice late payments on my consumer report. to my knowledge ive made every payment on time. ive disputed these accounts numerous of times.

they violated 15 u.s. code 6802 which states : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provide to the consumer a notice that complies with section 6803 of this title.

15 u.s. code 1666 correction billing errors : if a creditor within sixty days after having transmitted to an obligor a statement of the obligor 's account in connection with an extension of consumer credit receives at the address disclosed under section 1637b 10 of this title a written notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with disclosure required under section 1637 ( a ) ( 7 ) 15 u.s. code 1681b permissible purpose 15 u.s. code 1666B a creditor may not treat a payment on a credit card account under an open 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I've notice late payments on my consumer report. to my knowledge ive made every payment on time. ive disputed these accounts numerous of times.

they violated 15 u.s. code 6802 which states : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provide to the consumer a notice that complies with section 6803 of this title.

15 u.s. code 1666 correction billing errors : if a creditor within sixty days after having transmitted to an obligor a statement of the obligor 's account in connection with an extension of consumer credit receives at the address disclosed under section 1637b 10 of this title a written notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with disclosure required under section 1637 ( a ) ( 7 ) 15 u.s. code 1681b permissible purpose 15 u.s. code 1666B a creditor may not treat a payment on a credit card account under an open 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.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
I have filed a dispute against Aargon Angency with all XXXX and XXXX on XX/XX/XXXX The collection was assigned on XX/XX/XXXX in the amount {$220.00}. Via a disupute investagtion for incorrect information being reported the collection was removed from the both XXXX and XXXX. I attempted to submit a dispute on XXXX online but was unsucessful. I contacted XXXX via phone on XX/XX/XXXX and recieved my dispute letter on XX/XX/XXXX. XXXX failed to remove the incorrect account information from my credit report dispite providing proff of the account beinf delted from both XXXX and XXXX. This is unfair reporting and has caused a negative imapct on my ability to purchase a home due to high interest rates, low credit score and derrogetory account history. Please delete account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
I sent them a complaint on XX/XX/23 requesting all the original documents I signed to permit them to report my personal information to a 3rd party. They refused to send me the requested information. I am requesting the 3 signed documents, I need to sign to permit them to share my personal information. They can reference the U.S. Code 1681 ( A ) ( 2 ). If they obtain my personal information without my consent, they can reference U.S. Code 1028 ( A ).

I am requesting all signed documents that I signed to an agency to provide you with my personal information. It is your agency to provide the burden of proof. If you can not provide the burden of proof, under consumer laws you must remove any information you reported to any consumer reports immediately. This company stated I have to show them the burden of proof they obtained my personal information illegally. I am requesting all signed original documents that are attached with my name on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported XXXX Last active date:XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported dateXXXX Last active dateXXXX INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: FL

Complaint narrative:
In according with the fair Credit Reporting Act XXXX Account # XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX, # XXXX - XXXX XXXX  # XXXX - XXXX XXXXXXXX, # XXXX - XXXX XXXXXXXX, # XXXX - XXXX XXXXXXXX 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 furbish an account without my written instructions.

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 2023-09-06 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: FL

Complaint narrative:
In according with the fair Credit Reporting Act XXXX Account # XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX, # XXXX - XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX, # XXXX XXXX XXXX  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 furbish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
I recently XXXX XXXXXXXX and applied for relief from the XXXX  relief program offered by FHA. Then I asked for the XXXX stand alone resolution. I was on XXXX forbearance for 90 days. After my request for the stand alone program, US BANK without informing me or asking my permission, removed me from forbearance, sent me a repayment plan which I rejected in favor of the stand alone program, and falsely reported me delinquent destroying my credit rating from over XXXX to XXXX. The removal of my forbearance occurred roughly 30 days into my 90 day allowed forbearance. Had the forbearance remained intact there would be no reason to declare me delinquent. Following this process would mean everyone who applied for FHA XXXX relief would have their credit damaged for simply applying for aid. Obviously this wasn't the intention of the program or should be the result. This could easily be resolved by simply removing derogatory statements from my credit report that are obviously their fault, but they refuse.

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 2023-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-07 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: PA

Complaint narrative:
XX/XX/2022 {$1000.00} secured loan was opened without my consent or knowledge Company name : XXXX Account # XXXX Because of this my credit score has dropped dramatically.

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 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had fraudulent charges on my Capital One Debit card and the amount of {$200.00} was never reversed or issued back to my account.

*This happened over a year ago and I tried everything to resolve this issue from : 1. ) First working exclusively with the bank teller at my local branch.

2. ) Then writing a letter to Capital One 's headquarters in Virginia addressed to " The Office of the President ''. I did receive a voicemail response from XXXX ( Management Staff ) however, we kept playing phone tag and he never followed up again, nor did I ever receive a written response in regard to my letter. 
3. ) Working with the branch manager and district manager, and NO-ONE could help me to resolve this issue.

On two ( 2 ) separate occasions, there were attempted charges on my Capital One Debit Card. 
XX/XX/2022 - {$160.00} and {$320.00}. These charges were reversed. 
XX/XX/2022 - a charge of {$500.00} was reversed, however the {$200.00} charge was not, and this does not make any sense to me. 
These attempted charges were made at XXXX  in XXXX, NY on XXXX 's XXXX, XX/XX/2022 when I was with my family that day. 

After going back-and-forth for months dealing with this issue, especially at my local branch with the teller and branch manager, I gave up in XX/XX/2022. However this whole situation has never sat right with me and it just has been an awful experience. 

I have attached the letter that I wrote to Capital One Headquarters for your review. I have also attached the notes that I kept when I visited my local branch. 
Thank you so much for taking the time to review all of this information. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I'm again extending complaints XXXX and XXXX with NewRez as we have just experienced another, incremental issue with our mortgage payment process.

According to the website, we are set to have automatic payments continue with our XXXX XXXX account. Since the principal adjustment was made today on XXXX with the second unexpected debit on XXXX, the next one is set to pull XXXX. However, we are also in receipt of a letter dated XX/XX/25 saying our automatic payments are cancelled for " other '' reason. 

Given NewRez ' website 's history of not showing accurate information, we are now completely unclear if our automatic payment will proceed as expected or is actually cancelled. 

Once again, we see conflicting information on the status of our mortgage payment from NewRez, which I believe places them in violation of federal law and makes it more likely that we will experience another error, which will result in more fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase closed my credit card account in XXXX. I went on line in XXXX and paid the final bill and I thought I was done with this card. I never received another statement and didn't go on-online to check too check this account further since it was closed and I paid in full. Then in XXXX I receive a notice from Chase that my account was past due. I went online and saw that even though my account was closed, they allowed a charge from the XXXX XXXX  ( I had canceled this subscription in XXXX and should not have been charged ) in the amount of {$65.00} to post to my account and then charged a late fee and interest since I didn't pay it. I called Chase. They said they were going to put the {$65.00} in dispute status and reverse the late charge. Today I received a notice from my credit monitoring app that my credit score had gone down 80 points because of a late payment to Chase. I go online and see that they never processed the dispute and they charged me a new late fee in XXXX. I just hung up with Chase and they are again saying they will start the dispute process and reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: AppFolio, Inc.
State: IN

Complaint narrative:
AppFolio is charging {$2.00} per payment for online payments. This is anti-consumer and illegal under the junk fees legislation passed the last couple years. Please do something. Millions of people are forced to pay this unnecessary fee because of corporate greed and corruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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:
Dear Equifax, I want to express my appreciation for providing me with the performance summary, as you are obliged to report only factual information. However, I would like to draw your attention to the stipulation in 15 US Code 1681 ( 2 ) ( a ) ( i ) of the Credit Reporting Act, which mandates the exclusion of my transactions from your reporting. It's essential to note that my payments are considered as transactions.

I kindly request a comprehensive investigation into this matter and ask that you furnish me with a detailed description of the so-called late payments that you have purportedly verified as legitimate. Furthermore, I wish to inform you that delayed payments are in direct violation of 15 US Code 1666 ( b ). If it is determined that these allegations are false, I urge you to promptly update my file to reflect " Paid as Agreed '' and " Never Late '' status. Additionally, I request that you transmit this updated information to all the credit reporting agencies to which you provide reports. 

This correspondence serves as a formal complaint against the inaccurate and incomplete information currently present on my credit report. Specifically, the notation regarding the late payment is incorrect. I implore you to conduct a thorough investigation and verify the accuracy of all data associated with this account, including notation dates and balances, whether they have been reported or not. Here are the details for your reference : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I respectfully request concrete proof of this alleged item, particularly evidence demonstrating that these payments were indeed late. In accordance with consumer protection laws, I insist that if you are unable to provide such evidence or if you lack proof of these payments being late, you promptly amend my payment history to " PAAN '' status ( Paid as Agreed, Never Late ) and furnish a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

Moreover, I am seeking an explanation of the procedure employed to determine the accuracy and completeness of the information. I am aware that this information must be provided within 15 days of the conclusion of your reinvestigation. Federal law also dictates that you have 30 days to complete this investigation. I understand that you are obligated to validate these items with the reporting creditor to ensure accuracy. Any information that the creditor can not verify should be promptly removed. I expect this process to be completed within 30 days of receiving this letter, or else the inaccurate information must be expeditiously removed. 

Kindly forward an updated copy of my credit report to the address specified above. I greatly appreciate your time and assistance in addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a copy of my XXXX XXXX and XXXX XXXX XXXX consumer report and I've noticed false and misleading information from Bank that I've committed allege fraud. On behalf of disputing the inaccurate information with XXXX XXXX and XXXX XXXX XXXX they have concluded that the information within my file has been investigated and was indeed verified as accurate by BANK OF AMERICA. Both corporations have also confirmed that they are unable to provide me with copies of documentation of proof on how the information is accurate and verified in my file for checking account fraud that is being furnished to them by Bank Of America. On XX/XX/2023 I've sent certified mail with return receipt, Tracking number is XXXX. I am yet to hear a respond and the investigation and any proof supporting their claim of the allege fraud. This is causing me great stress and defamation of my character. I have attached two letters supporting my case for this specific situation to get resolved.

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