vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Shellpoint Mortgage declared they had a " system issue '' during the last five months of trying to get my payment history straight. During the dispute, I kept receiving apology letters from them asking for more time to resolve. They would not give me answers over the phone. During the dispute, they reported me as late on my credit report, causing my rating to drop from XXXX to under XXXX. They finally corrected my report last week, but have caused me money damages by their unfair reporting since they had copies of my proof of payment and reported me late anyway. Now my first mortgage has increased for the entirety of XXXX  as they base their rate increase on MY CREDIT RATING. I was also turned down for credit to replace my gas furnace that broke and needs replacing and we've been without heat while looking for a proper loan. Under the Fair Credit Reporting Act, this bank owes me damages. I am looking for your agency to acquire damage payment to me.

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 2024-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXXXXXX  - Status : Collection account. {$750.00} past due as of XX/XX/XXXX. 
- **Action Required : Remove fraudulent account due to harassment and negligence, of the circumstance, I believe a person named XXXX XXXX the patient daughter, with XXXX of XXXX CA, I being a XXXX, of XXXX, of the address this account comes from, daughter of that household is behind the negligence and neglect illegal action taking regarding this accountm she has also harassed me since too. Making identity theft and hardship resolving the matter, I have no understanding or access too. I was only a XXXX XXXX XXXX  at this household. There is a XX/XX/XXXX police report in XXXX, CA regarding this account filed also.

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 2024-12-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX DOB XX/XX/XXXXXXXX  Last 4 SSN # XXXX ... ... ... .Date XX/XX/XXXX, RE : My request to provoke methods of validation dispute letter invoking FCRA 611 ( 15 U.S.C. 1681I ) to whom it may concern ... ... On XX/XX/XXXXXXXX  I requested a investigation OF IDENTITY THEFT AND FRAUD THAT I DO NOT RECOGNIZE OR AUTHORIZE NOR GIVE PERMISSION CONSENT FOR THIS ACCOUNT TO BE OPEN THIS IS IDENTITY THEFT AND FRAUD UNDER THE FCRA 605B ( 15 U.S.C. 1681I ) if I'm reporting identity theft and fraud under laws which you should be in compliance with I had filed a FTC report with a cfpb report attached with my complaint of identity theft that was to be moved and four business days of receiving the complaint I received a response from the cfpb stating on XX/XX/XXXXXXXX  public response that the company has received my complaint and still working on it it has been several days now and there are in violation of my rights by not removing and blocking the information that I requested.I felt the items is not being reported illegally I am concerned about the validity and accuracy and recent investigations. Please send me the following information used to verify the validity of the following account XXXX XXXX open on XX/XX/XXXXXXXX  XXXX # XXXX Bal of {$1000.00} I previously disputed this account. I do not agree with the results of the investigation please mail me proof of your investigation or remove the negative information. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within 15 business days of the completion of your investigation.. I am keeping all documentations of information I have received and sent as well for disputes for my records. Also I have inserted documents of letters for my dispute I received from you circled and red indicating I did not follow procedures or I'm aware of the account belongs to me you can not make a decision without having an account validated as accurate or complete so I'm requesting method of validation from this Credit bureau

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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: NC

Complaint narrative:
I am filing this complaint against World Finance Corporation for failing to provide requested documentation and account-related information regarding my loan. I am requesting the following documents : A copy of the signed loan contract/agreement associated with this account. 

A detailed payment ledger/account history showing all charges, payments, and adjustments. 

Statements reflecting the accounts activity. 

Any other relevant documentation or correspondence related to this account. 

These documents are essential for me to understand the status of the account and verify its accuracy. Failure to provide this information constitutes non-compliance with consumer protection laws and regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
On XX/XX/year> I was charged {$130.00} in the XXXX at XXXX XXXX XXXX. I had authorized the merchant only to charge me about {$20.00} ( my drink bill ). The merchant agreed they made a mistake but claimed they did not know how to void the charge and wanted me to just use the extra. I tlld them I would not and would challenge with my CC company. I then paid the tab ( about {$20.00} ) in cash so the entire CC transaction could be voided. The merchant did not give me a receipt and I did not sign anything. 

I immediately called my CC company while I was outside the establishment and informed them an unauthorized charge was made on my card and I needed it voided. I was told I had to wait for the charge to post and then I could dispute it, which I did when it posted a few days later. 

When I contacted the card issuer ( Chase Bank ) I told them everythything that happened and that I wanted to process this as fraud since the merchant intentionally overcharged me and would not cooperate in refunding. Chase did an investigation and said that since I paid my bill in cash after, and provided the mechant my card initially, they could not consider this fraud, no matter how much the merchant charged me- even if they had charged me {>= $1,000,000}. Since I paid what I actyally owed in cash, they said they would need a receipt or they could not process my dispute. 

I explained that the merchant because the merchant was defrauding me they did not provide a receipt nor would they help me. They said there was nothing they could do, even though they believed me when I said the merchant over charged me, because of XXXXXXXX XXXX  rules regarding disputes. They said that because I gave them my card voluntarily, I was responsible for whatever amount they charged, even though I did not sign a receipt for the credit card charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with 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 explanation
Consumer complaint received 2024-12-04 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: NJ

Complaint narrative:
Under 15 U.S Code 1681e ( b ) Accuracy of report whenever a Consumer Reporting Agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the Consumer Reporting Agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item information as appropriate based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX Dept Of EdXXXX 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 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have not received any validation letter or correspondence regarding this debt, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). Given these circumstances, I request that you remove this debt from my credit report immediately. If this matter is not resolved promptly, I will be forced to take further action, including filing complaints with the XXXX XXXX XXXX ( XXXX  ) and the Consumer Financial Protection Bureau ( CFPB ), as well as considering legal action. Issues Faced 1. Lack of Validation Letter : I have never received a validation letter or any other correspondence from Portfolio Recovery regarding the alleged debt. I requested contact between Portfolio Recovery and myself showing them to collect this alleged debt. Their failure to provide this essential communication constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). 2. Credit Reporting : Despite not receiving the required validation letter, Portfolio Recovery has reported this alleged debt on my credit report. This action is not only premature but also a violation of federal regulations. The reporting of this alleged debt has negatively impacted my credit score and creditworthiness. As a result, I have experienced higher interest rates on loans and potential denial of credit opportunities. This situation has caused me significant emotional distress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NJ

Complaint narrative:
Under 15 U.S Code 1681e ( b ) Accuracy of report whenever a Consumer Reporting Agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the Consumer Reporting Agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item information as appropriate based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX Dept Of EdXXXX 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 explanation
Consumer complaint received 2024-12-04 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: CO

Complaint narrative:
Hey, this is my second time writing this issue. I sent your company a claim last month XX/XX/year>, and I was very clear about which accounts were fake. There are still accounts on my credit report that shouldn't be there.

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 2024-12-04 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: CO

Complaint narrative:
Hey, this is my second time writing this issue. I sent your company a claim last month XX/XX/year>, and I was very clear about which accounts were fake. There are still accounts on my credit report that shouldn't be there.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified 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 2024-12-04 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.

Complaint narrative:
I opened a Citi account and I just started getting direct deposit in I had about XXXX $ in my account when I deposited a XXXX $ check from my vacation fund from my union in the account they locked my account pending review Friday the XXXX of XXXX today XX/XX/XXXX they told Me my account was processing to be closed and it would take 30-60 days to receive the over XXXX  $ in the account I dont know the exact amount because they did this without notice my account number is XXXX and the Citi Reference Number is 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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened my account on XX/XX/year> via BMO 's promotion website : https : //www.bmo.comXXXX On XX/XX/year> I returned to the website to see that a public offer for a {$100.00} gift card was added to the site. There was also a checking account promotion, but the terms for that offer required the account to be opened between XX/XX/year> and XX/XX/year> my account was ineligible for that promotional offer. Luckily, the terms for the {$100.00} gift card said that " You do not need to meet the up to {$500.00} personal checking cash bonus offer requirements to earn the {$100.00} digital gift card, '' and additional there were no requirements for when the account needed to be opened. The terms for the {$100.00} gift card merely required ( 1 ) open a personal checking account online at bmo.comXXXX, and ( 2 ) meet with a BMO Banker within 90 days of account opening, in-branch or over the phone to discuss financial priorities and what you want and need from your banking. The personal checking account must be open at the time of the conversation. I clicked on the bmo.comXXXX link and it redirected me to https : //www.bmo.comXXXX, which is where I had opened my account, so my account was eligible for the {$100.00} gift card under the first requirement for the offer. 

That same day ( XX/XX/year>, which was within 90 days of opening my account ), I reached out to banking support to see how I could set up a meeting with a banker for the {$100.00} gift card promotion and was given instructions on how to do so. After speaking with a banker and revealing details of my personal financial needs and goals, I received a confirmation e-mail summarizing our conversation. I had then satisfied the second requirement for the offer. 

Pursuant to the terms of the promotion, I followed up after 60 days when I had still not received my gift card. After some back and forth with the bank, I was told that the {$100.00} gift card promotion was targeted. This is clearly not true since it was a public offer on the same website through which I had opened my account that had no language saying you had to be targeted and when I had reached out to the bank on how to fulfill the terms of the promotion they gave me instructions on how to do so ( instead of, for example, saying that it was targeted or that my account was ineligible ). 

I do not take the value of my personal financial information lightly and I would not have freely shared this information with the bank without the {$100.00} gift card offer. 

I have attached the public offer terms, the confirmation email from the banker, the instructions from banking support and the further correspondence that ended with them telling me it was targeted.

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 monetary relief
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

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 2024-12-04 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: NC

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a data breach, my personal information was compromised, resulting in unauthorized accounts and inquiries that are listed below. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation