vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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:
I had a balance of XXXX on my Chase Southwest Card. I paid, on time, XXXX ( one penny over the amount due ) but was still charged XXXX in interest. I called the company and asked for the fee to be removed. The first person said I was correct but she needed to get her manager. Her manager said that he couldn't remove the charges but they would mail a written response within a week. Nothing ever came. I would like a refund and am concerned that they are charging other unsuspecting people too. I sent my bill to congresswoman XXXX and her staff told me to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Zions Dept Holdings contacted me about my over XXXX XXXX XXXX XXXX account XXXX which I had cancelled XXXX  years ago via the telephone and the representative assured me it would be cancelled at the end of the month and I was paid up. Never heard anything from them after that, no notices of past due or anything. Then XXXX files bankruptcy and zions I guess purchases all these old accounts. They pop my credit with no notice and state I owe {$130.00}, which was like XXXX  months monitoring because I didn't follow up after my call and send the notice of termination in writing to XXXX. So XXXX  years after I cancel an account properly and was told it was closed properly by the company I was contracted with, another company buys out their old contracts and goes after me for XXXX  months monitoring because there must be a clause in the contract that says you must submit it in writing, even though the original company said nothing and requested nothing from me, this is fraudulent business practice by Zion Dept Holdings.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Since taking over the servicing of my home loan, Mr. Cooper 's online payment system appeared to be charging me a higher monthly payment. But upon further clicking on the options, I discovered that it was defaulting to a late fee payment automatically being paid. No matter what date or how early I attempt to make my payment, the default to a late fee being included is included, forcing me to click a drop down menu where zero is not even an option. It forces a consumer to actually enter " 0 '', and the APPLY, before the fee goes away. See attached photos, it's XXXX and they are showing a late fee due on XX/XX/XXXX. 

I can't imagine how many consumers, while paying 5-20 bills each month, just don't notice or skip that step each month, assuming the mortgage company is publishing only what is actually due. This feels like stealing, taking advantage of the public. I've been paying personal and investment mortgages for nearly XXXX years and have never seen something so predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: IL

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has continously violated my rights of privacy per Privacy Act of 1974, failing to complete proper investigation, not following written instructions given by owner of consumer file, and fraudulently reporting inaccurate information 15 USC 1681e compliance procedures ( b ) accuracy of report. In addition to the following violations : Violation of FERPA, 20 USC 1232G 34 CFR PART 99 15 USC 1681m ( cii ) nondisclosure of transactions and experiences. This has caused high levels of stress and impacted my abilities with receiving assistance for household purposes. The following accounts need to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed 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 XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not given transunion consent to obtain or disclose any of my information. However, this company has assumed this role, therefore, deemed as identity fraud.

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 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My wallet was stolen and used to open a false credit card under my name. I have reported this to chase but nothing has been done and they are refusing to provide me with the transactions and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: OK

Complaint narrative:
I hope this letter finds you well. I am writing to follow up on my previous dispute regarding certain inaccuracies in my credit report, which I brought to your attention.. I must emphasize the critical importance of ensuring that the information reported on my credit file is not only updated but also fair and accurate, as stated by federal law. 15 U.S.C. 1681 ( b ) of the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in individuals ' credit reports. It is important that the updated information reflects the most accurate representation of my credit history to avoid any negative impact on my financial standing. Under 15 U.S.C. 6802 of the GLBA, I am entitled to full transparency regarding the disclosure of my personal information and the entities with whom it is shared. Therefore, I request documentation proving that I provided explicit consent for the inclusion of the updated information in my credit report, as required by law. Furthermore, according to Section 15 U.S.C. 1681s-2 of the FCRA, upon receiving a consumer dispute, consumer reporting agencies must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. It is important that this process is followed diligently to ensure the fairness and accuracy of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: LA

Complaint narrative:
I Have a Block on my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: WV

Complaint narrative:
Asked for any documentation they have, with signatures, as to the original debt. They sent a XXXX statement. Nothing else. I submitted a complaint to you. Next day, XX/XX/XXXX, I received an email stating the debt wasn't mine and they would remove from my credit. Just received a letter from Jefferson Capital, asking me to pay a different amount, with a supposed different original name ( XXXX, now ). I again sent an email requesting the original paperwork. This is not on my credit report. These people are trying some shady stuff ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: AL

Complaint narrative:
Date Account opened ; XX/XX/2022 Amount Owed ; {$10000.00}. I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with RMP Services LlC.They did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: LA

Complaint narrative:
I recently reviewed my credit profile and there are accounts that I did not authorize reporting on my files. I am not associated with any of these accounts and would like these inuqiries removed from my credit file as I am currently in the home buying process and this is greatly hindering me. 

Transunion : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently reviewed my credit profile and there are accounts that I did not authorize reporting on my files. I am not associated with any of these accounts and would like these inuqiries removed from my credit file as I am currently in the home buying process and this is greatly hindering me. 

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 Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Business Cred - 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 non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.

Complaint narrative:
1. When I logged into my online CITIbank credit card account in XX/XX/XXXX, I noticed that my credit card was suddenly closed without notice. I called CITI Bank to inquire about the closure, and was informed, that because I reside in XXXX now, they closed it. Up until this point, I have used the card regularly and was never late with payments. There was no reason to close it. 
2. The card has not been used since XX/XX/XXXX ( due to closure ), and the minmum payment has still been made punctually through automatic payment each month. Chronologically the balance has decreased, and thus, the monthly minimum payment has decreased in accordance. 
3. This month ( XX/XX/XXXX ), despite the continued decrease in balance, the minimum payment has increased. When I called the customer service, the representative could not assist me as to why this is, and just read the charges to me like a robot. She said she will file a complaint, without providing written/email evidence to me about this complaint, even when I asked her for confirmation about this internal complaint. 
4. I can not access any credit card statements of this closed account anymore, although I am still paying on it. I have a personal loan with Citibank, which I can access. The existence of the closed account is visible on my online account, but I can not view the statements that would explain these unusual charges...? 
5. Since I can not get solution-oriented assistance from CITI Bank , regarding the above mentioned issues, I hope for help from the cfpb.

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 2024-02-15 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:
Experian is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Experian written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.

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 2024-02-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXXXXXX XXXX reported a false inquiry on my credit on XX/XX/2022.

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 2024-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX for Violation of Consumer Rights and Incorrect Account Status Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their practices which I believe are in violation of my consumer rights. Specifically, I am addressing the handling of account # XXXX, which I contend is a certificate of indebtedness and must be rectified immediately. On [ Insert Date ], I noticed that XXXX XXXX XXXX has reported the aforementioned account on my credit report, indicating that it is not in accordance with my understanding of the terms of our agreement. The account in question has been inaccurately categorized, leading to significant negative impacts on my creditworthiness and financial standing. I assert that the account # XXXX is indeed a certificate of indebtedness, and it should be treated as such. I demand that XXXX XXXX XXXX promptly rectify this misrepresentation and update the account status to " PAID AS AGREED, '' as it accurately reflects the terms of our agreement. Furthermore, I am deeply concerned about the potential violation of my consumer rights in this matter. It is my understanding that as a consumer, I am entitled to accurate and fair reporting of my financial obligations. However, the actions of XXXX XXXX XXXX have resulted in a misrepresentation of my financial situation, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX complies with all relevant consumer protection laws and regulations. I request that the Bureau intervene to rectify the inaccuracies on my credit report and hold XXXX XXXX XXXX accountable for any violations of my consumer rights. Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: TX

Complaint narrative:
Every year since I have purchased this house. My taxes have changed. Which is understandable. What is not understandable is that this year. Loancare had to pay additional taxes to ward off a foreclosure of back taxes. why should there had been any owed back taxes because I faithfully pay whatever amount they tell me to pay. But today was truly enough. I was advised for the first time that there is an additional parcel of land which does not reflect my loan closing documents. Every month it is something new and that is not right for me as a consumer. I feel like I am being taken advantage of and my mortgage lender is not properly doing their job and someone needs to look into this. This is very over whelming to me 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 explanation
Consumer complaint received 2024-02-15 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: TN

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 2024-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
this debt was dismissed in court in XXXX of XXXX. I began receiving calls from Sequium Asset Solutions in XXXX of XXXX. 2 letter were drafted, one by myself and one by my attorney for this company to stop all actions and communications as this case was won in my favor. I also asked over the phone XX/XX/XXXX as i recieved another call to which i was treated so harshly as if I were lying and brushed off. After being called AGAIN on XX/XX/XXXX i was transferred to XXXX XXXX where he stated he received the communications and would process the cease and desist but my credit would be effected because i owed them which is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: IL

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-02-15 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: LA

Complaint narrative:
I send this company my address and id and a bill with my address on the bill

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