vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$320.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX {$8300.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-02-21 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:
Ensuring punctual payments, I have never experienced delays on this account. I'm unsure why there are indications of late payment remarks on my accounts.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect information on credit report

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Incorrect information on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On approximately XX/XX/XXXX, my Paypal account was compromised and altered along with my corresponding Paypal Credit account held by Synchrony bank. In order to resolve the issue, the old Paypal login was closed down. Since then, I have made various calls between XX/XX/XXXX and XX/XX/XXXX to Paypal and Synchrony Bank ; but neither Paypal nor Synchrony Bank has been able to link the credit account to a new paypal login or have provided me with a reason as to why that is, despite continuing automatic payments. I have no access to use credit account and any attempts at assistance are fruitless. The automated phone system used by Paypal is unhelpful and frequently loops through various options which inhibits any attempts to get help.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MD

Complaint narrative:
I already pay this collection amount to XXXX IN XXXX XXXX. 
XXXX XXXX NOW REPORTED IT AS OWN IN MY CREDIT REPORT THAT I OWED THE MONEY XXXX XXXX  SENT IT TO THEM.. 
Here are the attached copy of the collection paid in XXXX and Jefferson Capital with JCS number XXXX reporting it as owed but later delected it on their website but still on my credit report as owed..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Bank of America is suing me for not paying back medical bills while XXXX XXXX are flooding into our country by the hundreds and being given free rent, housing, and food money. 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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am being disregarded as a consumer in law. My report contains inaccurate information that is not 100 % accurate. To add to this, I reached out numerous times and never get a proper 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
accordance with the Fair Credit Reporting act, the list of account below : XXXX XXXX XXXX XXXXhas violated my federally protected consumer, rights to privacy and confidentiality under 15 USC 1681- The accounts below have violated my rights. 15 U, S.C 1681 section 602A. States ( have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions. P15 U.S. 1681g. ( 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 ) ( a ) 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. Delete the accounts below : 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
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I sent Newrez an insurance check of {$5300.00} to get endorsed so I can pay for the repairs on my house. This was sent 2 Day Priority Mail by the USPS. Shellpoint who handles Newrez 's Loss Draft Department has refused to endorse the insurance check due to the differences in the amount of the check which is less than the adjusters estimate.The adjusters estimate was {$7400.00} minus the {$500.00} deductible. My insurance company is XXXX XXXX XXXX XXXX XXXX issued payments of {$1600.00} and {$560.00} first. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I called Newrez and spoke with the Shellpoint staff regarding required documents. On XX/XX/XXXX I spoke with XXXX a customer service representative from Newrez, and she told me to send the documents to XXXX. Then on XX/XX/XXXX I called and spoke with XXXX from the Sellpoint Loss Draft Staff. He told me they have the required documents and my check was submitted for endorsement and shall receive it in XXXX business days.I told XXXX I am abroad and I provided him with a number in case any issues arise. Today XX/XX/XXXX contacted Newrez and spoke to the XXXX of the Shellpoint Loss Draft staff and she told me the documents were not satisfactory and I will need to sent them again. Also that the check was sent back to my home without an endorsement. She provided me with a portal to submit the documents instead uf using the email address. This company provided numerous obstacles to prevent the insurance check from being endorsed so I can repair my home. Due to Newrez unwillingness to accept the documents they requested and now demand other documents to previously not previously requested will cause a 3 week to a month delay in processing before I can arrange for a contractor to start work on my house. The house has missing drywall due to the damaged walls. This is causing discomfort to my daughters because the insulation of the house is affected. More details available upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received an hard inquiry on my XXXX XXXX Report. I am not familiar with this inquiry. I I called Capital One immediately and it sounded like from what the representative said someone tried to open up an account so they closed it but said they cant do anything about the inquiry that I would need to dispute through credit union. I called a credit union to dispute and they said they would. Never heard back so I called again today and ask me to dispute via mail and to file ftc report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: OH

Complaint narrative:
To whom it XXXX concern, I received my annual credit report, and to my surprise this account is reporting completely inaccurate information that's hurting my chances to be proud to purchase my first home, my EXPERIAN REPORT # XXXX ACCOUNT NAMED " XXXX '' XXXX  WHICH IS REPORTING ( XX/XX/year> ) COLLECTION / CHARGE OFF WITH A " PAST DUE " AMOUNT OF XXXX AND XXXX XXXX IS REPORTING SOMETHING ENTIRELY DIFFERENT THEY ARE REPORTING THIS ACCOUNT SHOWS " OPEN '' MY UNDERSTANDING OF THE FCRA THAT THIS MISINFORMATION IS ILLEGAL AND NOT REPORTING FAIR WITH ACCURACY, PLEASE REMOVE FROM MY CREDIT REPORT immediately and upon deleting please send me a new copy of my credit report that reflects this matter deleted from my account of this inaccurate reporting!

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 2024-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
In XX/XX/2024, I requested a settlement on the {$3000.00} owed on my loan after the insurance paid over {$15000.00} toward the loan. My gap insurance was denied and Ally Financial told me they will not offer a settlement.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I recently checked my Transunion and XXXX XXXX XXXX and saw XXXX fraudulent hard inquiries on my credit reports. I have asked the bureaus to immediately remove all these fraudulent credit card accounts from my Credit Reports. I need the following hard inquiries deleted and removed immediately : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX  XXXX XXXX XXXX XXXX ) XX/XX/XXXX. Please provide me proof of original signatures, if you can not, please immediately delete and remove this hard inquiries from my credit reports. I've unfortunately been a victim of Identity Theft, and want my credit reports to reflect legal and truthful information only.

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 2024-02-21 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: OR

Complaint narrative:
I recently checked my XXXX and Equifax XXXX XXXX and saw XXXX fraudulent hard inquiries on my credit reports. I have asked the bureaus to immediately remove all these fraudulent credit card accounts from my XXXX XXXX. I need the following hard inquiries deleted and removed immediately : XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please provide me proof of original signatures, if you can not, please immediately delete and remove this hard inquiries from my credit reports. I've unfortunately been a victim of Identity Theft, and want my credit reports to reflect legal and truthful information only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: MA

Complaint narrative:
The mortgage bank reported my name thrice, in XXXX, XXXX, and XXXX. Please review my bank statement and account activity letter to confirm if my payment was late. As a result, I lost XXXX points from my credit score.

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 2024-02-21 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: Block, Inc.
State: CA

Complaint narrative:
i have an complaint already filed and denied. Ive been through school and different countries over the past 2 years and not that i have the true time to follow through and try i will. Cashapp does not prove themselves. I want to know how are they identifying and basing they payment as of authorized by me. My email was changed and i was not able to sign into my account. How is that explained for? What device was it sent on. Because i know cash app has systems to identify it because it shows when i go on the app at times. If it was not the model of my phone i did not do it. Let alone i was not signed in to send the money. And if it was a true mistake i could have refunded the money. HOWEVER the main point is the girl did not receive the money. Unless im being lied to by everyone. The security of my account did not kick in till after the money left and a scam was detected. How can a scam be detected with the transaction when i log in before me filing any complaint but its authorized by me? The girl said she dis not receive any money and cash app is yet to prove that. Ive tried for too long and dont want to sue. I just want my money back cash app gives out free {$500.00} but they cant help an existing customer with a miss understanding withing their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NVR INC.
State: NY

Complaint narrative:
We are first time home buyers with no experience in the housing market. We signed on XX/XX/XXXX for our new home to be built. During that phase, I was told by the builder that the closing cost estimate included a float down option on my interest rate and a total cash to close around XXXX. On XX/XX/XXXX, i started the process with NVR ( XXXX XXXX XXXX ), I was contacted over the phone and I was again advised that I had the float down option built into my estimate. I explained to the loan officer at that time to provide me with their offer because I was in discussions with other lenders. During that phone call, the officer did not explain mortgage points and persuaded me against locking in my rate at that moment. Fast forward a week later, I asked him about the interest rates as we signed all our disclosures and everything, he started talking about mortgage points and that we would have to pay approx $ XXXX for the points to buy down the interest rates but that it was already factored in. furthermore, during this conversation, the loan officer told me not to worry about locking in. Fast forward to last Thursday or Friday, around XXXX, after going over the commitment letter, the loan officer asked if I wanted to buy lock in the rate. I asked him for clarification on the float down and he told me it would cost an extra {$4000.00} on top my closing costs. This was never disclosed by him in the multiple conversations we had. I then asked to lock in the rate, and he told me it would cost another $ XXXX to $ XXXX to lock this rate in. I was in shock, he told me it was in the all the print on the documents that I signed ( he pressured us to sign the documents right away, and told me not to worry about the points or rates because " it was a live document and we could make any corrections as needed ''. I told him at that point, i would have to consider another lender that was not attempting to scam me and did not lock in. Now today, XX/XX/XXXX, I attempted to lock in my rate ( which was higher than a month ago ) and was told that if I wanted the best rate, it would cost me approx $ XXXX usd more cash to close as the the " points to purchase has drastically gone up since last week ''. Out of panic, I had to lock in at a higher rate today and it still cost me an extra $ XXXX usd that I did not account for. I am not going to be financially harmed by purchasing this house. I feel 100 % like the lender took advantage of us because of our situation. the officer and his boss were completely unwillingly to make another work and even after I attempted to explain how not transparent this all was, I was told to either lock in the rate today at an extra cost or holdoff and who knows what I would be paying. I got forced into locking the rate at this premium rate. I feel scammed and victimized by this lender and their deceitful tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Formal Complaint Against JPMorgan Chase XXXX XXXX Account Closure and Lack of Communication and withholding my FUNDS I am writing to lodge a formal complaint against JPMorgan Chase due to the handling of my business account and the severe lack of communication and transparency from their end. On XX/XX/XXXX, I encountered an inability to access my business account. A few days subsequent to this issue, I was informed that my account was under restriction pending an investigation, with no additional details provided. Despite assurances of receiving a formal communication via mail, I have yet to receive any correspondence from JPMorgan Chase regarding this matter. 

By XX/XX/XXXX, without any prior notification or explanation, I discovered that my account had been closed. Repeated attempts to understand the reason behind this action through multiple customer service representatives have been futile, with each conversation ending in " We have no further information ; your account is being handled by our back office, '' and no direct line of communication available to this department. 

Throughout nearly 50 days of attempting to resolve this issue, including numerous phone calls each lasting about an hour, I have been met with a consistent lack of information. Only once was I told that the closure was related to an investigation into funds received XXXX months prior. This lack of communication has placed my business in jeopardy ; I am currently behind on rent and payments, with no access to my funds totaling {$72000.00}. The inability of JPMorgan Chase to provide any timeline or clarity has resulted in missed business opportunities and a significant strain on my financial commitments to suppliers and other obligations. 

For the sake of transparency, it's important to note that my funds originated from a legitimate business transaction. Between XXXX and XX/XX/2023, I invested {$78000.00} in XXXX XXXX through my Chase account, and an additional {$15000.00} through other means. XXXX months later, I received a return of {$93000.00} from XXXX XXXX, the founder of XXXX XXXX. The source of my funds is clear and verifiable, and I would have welcomed any discussion with JPMorgan Chase to clarify this matter further. 

The ongoing situation with JPMorgan Chase is causing irreparable harm to my business, and I fear it may not survive another month under these conditions. I urgently request your intervention in this matter to facilitate a resolution and to hold JPMorgan Chase accountable for their actions, which have significantly impacted my business operations and financial health. 

I appreciate your attention to this urgent matter and look forward to your support in resolving this issue.

Company response to consumer: Closed with explanation