vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
To CFPB : Hello, I am writing to you in regards to my Penny Mac FHA Mortgage that is reporting late for multiple moths in 2023.

In 2023, my Property Tax increased over {$1000.00} raising my payment and with the electric increase, I was in a bad position to make ends meet. We knew it be a short term issue as we were going to re consolidate some things. 

In may, I entered a Loan Modification with Penny Mac. During this modification, I was educated that I would have a separate loan. I was also educated that no payment was due during this time. Penny Mac issued me a packet to sign, in which I did however once they received it I did not get one page notarized. By the time this was recognized, my loan officer called and was re issuing a new packet. Once the new packet made it to me ( weeks after we started ) I was under contract to sell the house. I called Penny Mac and they said as long as my closing doesnt get moved ( XX/XX/XXXX ) I wont need to go into modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FREEDOM FINANCIAL NETWORK
State: IN

Complaint narrative:
Notice Of Dispute I took accessed my credit report for the first time in a while and I noticed ACHIEVEPL XXXX on my credit report. It has come to my attention that there are multiple blatant violations of the Fair Credit Reporting Act ( FCRA ) in connection with this account, and I am demanding immediate action to rectify this matter. 

Specifically, I am formally requesting a full debt validation, which must include the following information : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself pertaining to the account ACHIEVEPL  XXXX. 

XXXX XXXX : Clearly state the name and contact information of the original creditor associated with this account. 

Original Open Date : Provide the precise date on which the account ACHIEVEPL XXXX was originally established. 

Date of Last Payment : Specify the exact date of the last payment made in relation to this account. 

Date Account Was Closed : Indicate the date on which the account ACHIEVEPL XXXX was officially closed. 

I am well aware of my rights under the FCRA, and it is evident that your company has failed to adhere to its obligations in ensuring the accuracy and validity of the information it reports. I insist on a prompt response and resolution to this matter. 

Failure to comply with this request within XXXX from the date of this letter will leave me with no alternative but to pursue legal action to enforce my rights under the FCRA. Please consider this a formal notice of my intention to do so. 

I expect a timely response, along with the requested documentation, to be sent to the CFPB Portal for prompt access. Additionally, please ensure that any corrections made to my credit report are promptly reflected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — Store credit 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: MN

Complaint narrative:
On XX/XX/24 I purchased a mattress from Macy 's XXXX XXXX using my credit card. I was to be using the XXXX  month interest free payment plan. I had never received a billing notice for this purchase but made a payment in XXXX anyway. 

On XX/XX/24, {$2900.00} was automatically taken out of my checking account to pay this in full. Now I am overdrawn and very concerned about my credit rating. 

Today XX/XX/24 is the first time I noticed this as I went into my bank app and saw that I was overdrawn. I called Macy 's and spoke to " XXXX '' XXXX ID XXXX. I had to give him my checking account number and routing number. 

XXXX logged this information and sent it to his " dispute '' department and said that they will reimburse me in XXXX billing cycles. This means they won't reimburse for XXXX days! 
Meanwhile, I am overdrawn. 

I called the " dispute '' XXXX and left a message. They are only open from XXXX central time 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 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I deposited a check from a lawsuit with the XXXX XXXX XXXX XXXX XXXX. The victims won. The banking company who was selected to disperse payment tried to deposit my payment 2 times through XXXX to my Chase checking account. Chase declined the XXXX payment 2 times. So the company mailed me a check. I tried to deposit it via mobile deposit through chase app. The rejected it for unknown reasons. They told me to take it to a branch. I did. I deposited at my local branch. They said it was accepted and good. The next day it was rejected. I called chase customer service 5 times and was transferred 11 times and cut off 4 times. They gave me the run around. The last customer service manager wouldnt tell me why my check couldnt be accepted. She said the image was not up to par. Even though my local branch accepted the hard copy of the check. She then got smart with me and was rude and was short with me. Then I got cut off. Chase wont help me. They wont accept this deposit from a XXXX dollar lawsuit with the XXXX. Everytime I try to resolve this it brings up past trauma and Chase seems to find it funny eveytime I have to deal with this deposit and past trauma. Im thinking of contacting an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
For approximately the past XXXX years I send an online transfer from my account to my sister once a month. During the past XXXX  months the request is put in review and and the money doesn't transfer. I call the XXXX number they provide to get the funds transferred and I am told it will be sent, it does not happen. So the past XXXX  months I need to go to the Santander branch XXXX and have him make call to have the transfer completed.

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 2024-04-11 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: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my 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 2024-04-11 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: UT

Complaint narrative:
I have disputed unauthorized hard inquiries present on my credit reports provided by Experian, XXXX, and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( 7 ), 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681 ( b ) ( c ), and 18 U.S.C. 242. I request a thorough investigation into these unauthorized inquiries and their immediate removal from my credit reports. Ive sent letters and yet they still are on my credit report and all three Credit agencies are past their 30 day response to my complaint to my credit report. 
Upon reviewing my credit reports obtained from Experian, XXXX, and XXXX, I have identified several hard inquiries that I did not authorize or recognize. These unauthorized inquiries have negatively impacted my credit score and financial standing.

As per 15 U.S.C. 1681i ( 7 ), Experian, XXXX, and XXXX are required to conduct a reasonable reinvestigation of disputed items upon receipt of this dispute letter. Additionally, the inclusion of unauthorized hard inquiries on my credit reports violates 15 U.S.C. 1681 ( e ), which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer credit reports.

Furthermore, the unauthorized hard inquiries may also constitute violations of 15 U.S.C. 1681 ( b ) ( c ), which outlines the duties of consumer reporting agencies regarding the accuracy of consumer information, as well as 18 U.S.C. 242, which prohibits deprivation of rights under color of law. 
I am enclosing copies of my credit reports highlighting the unauthorized hard inquiries. I request that Experian, XXXX, and XXXX provide me with written notification of the results of the investigation and any actions taken as a result. 
Furthermore, pursuant to 15 U.S. Code 1681g and 16 CFR 660.4, I request updated copies of my credit reports from all three agencies reflecting the removal of the unauthorized hard inquiries. Additionally, I request information regarding the source of these unauthorized inquiries, as provided under 15 U.S. Code 1681 q and 15 U.S. Code 1681b. 
The following Inquires XXXX XXXX15 U.S. Code 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Failure to address these unauthorized hard inquiries and adhere to the FCRA 's requirements may result in further legal action, including but not limited XXXX pursuing remedies available under the 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 non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
After I partially paid my " total balance '' of Americal Express credit card, the total amount decreased instantaneously to the payment amount. Screenshots were taken before the payment and after. There were no pending transactions. XXXX weeks later, the total reflected balance did not match the sum of the remaining balance and all posted transactions and also does not match as of the day of this complaint. I requested the account audit twice ; however, my requests were not fulfilled, and instead, customer service representatives created a dispute about my partial payment and started an investigation, which I asked to close since I had never requested it. Also, during the call, I was told that I have open " pay over time '' plans ; I declined, referring to screenshots confirming that all plans were paid off, as well as while checking open plans during the call, none were open. XXXX days later, I received a phone call from American Express confirming that they had a glitch in the system and that I did not have any open plans. 
In conclusion, when I requested to freeze my account until the audit was completed, I was advised to pay the amount to avoid additional fees and the debt-collecting process. In addition, the customer service representatives confirmed that they automatically record all phone calls without the consent of customers ; however, they referred to the internal rules and refused to name the policy, refused to provide a phone call recording, and stated that does not give consent to be recorded. 

All account amounts advertised/reflected on the website or application should be true, transparent, not misleading, and easily verified. If the total balance instantly changes after payment, then all transactions made later, except pending, should be reflected in the total balance. The total balance amount can not exceed the sum of all transactions ( credits and debits ). I would like to receive all transactions audit logs by calendar year starting from the date when the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I owed a credit card debt to XXXX for around {$1300.00} including late fees. This happened during the pandemic. It ended up going to a collection agency. For some reason they put the debt at around {$1800.00}. Every time I would report the amount incorrect, they would claim it was and add on another couple of dollars. Or if they noticed my credit rising, they would post the debt with a fresh date. Thereby they effectively kept my credit around the upper 500s- lowers 600s. In XXXX of XXXX  XXXX sent me a check, which the letter I still have. They said credit was due to my account, an obvious admission of the original amount of the debt being incorrect. During this time the collection agency Calvary LLC sued me. I had no clue because I never received a subpoena, thereby they won by default cause I had no notification of any court date or case. I was left with $ XXXX {$600.00} checks biweekly. Whatever check the judge looked at had overtime, holiday pay, and I was temporarily exempt from taxes. They claimed I make almost {$2000.00} biweekly which is false. They were able to rip a large amount from my checks. I had to withdraw my XXXX to prevent eviction. Also, even though they have received the money through garnishment, they still have the debt posted on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to dispute fraudulent activity on my credit report due to identity theft. Upon reviewing my credit report, I have discovered accounts and transactions that I did not authorize or initiate. It is evident that my personal information has been compromised, and I request your immediate assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I recently disputed a few items on my credit report in XXXX. It appears my entire report was deleted, which violates FCRA Section 602 ( b ) requiring accurate information. In a letter dated XX/XX/2024, I informed Equifax of this mishap but my most recent report still shows that everything has been wiped away even my name. 

Please rectify the disputed items and reincorporate my positive payment history with the following creditors ( attached is proof of my credit report ). Please see the items being reported to XXXX and XXXX and add the accounts back to my credit report including my personal information such as my name, address, and dob. I have included my credit report and identification for your reference. The items that are to be added back are listed below : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXXDEPT OF ED XXXX XXXX. XXXXDEPT OF ED XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I expect a resolution within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
i am facing financial difficulties and need help to cover my home mortgage

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 2024-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: KY

Complaint narrative:
I got a self installment loan to build credit. U dont actually get the loan until XXXX paid every installment. Halfway thru XXXX hit and I was forced to close my account because I lost my job. I did, and recieved a check for the remaining balance. I also had a secured card with them i closed that account to. The balance was paid in full with my collateral. They market like they help credit but they have XXXX seperate negative accounts listed on my consumer report. All for different amounts and different negative payments and its like I owed them money which I never did, during any part of my relationship with the company. Its predatory to say the least

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: WI

Complaint narrative:
A few fraudulent inquiries reported to my Transunion 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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im an XXXX XXXX service member and received orders to XXXX. Request XXXX  Benefits under XXXX  XXXX XXXX. Please note under XXXX  XXXX XXXX, the interest cap of 6 % applies to all credit cards and loans obtained XXXX and before XXXX XXXX. I have attached my orders and XXXX XXXX XXXX. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX # XXXX XXXX XXXX # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.

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 2024-04-11 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.

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