vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 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: Self Financial Inc.
State: MN

Complaint narrative:
The unverified items listed below remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 

Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Remove the following negative remark from my credit report. 

SBNASELFLNDR XXXX XXXX XXXX XXXX SBNASELFLNDR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 
Tracking all letters. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 non-monetary relief
Consumer complaint received 2024-06-08 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
I received a text from a debt collection/ credit management on behalf of a prior toll road charge on XXXX XXXX XXXX, I followed a link and it took me to their website. The website told me to confirm my identity and gave me three options, enter date of birth enter last four of social and an other option. I entered the last four of my social and it prompted an failed to verify account to which it then gave me the other options and so I entered my date of birth and it prompted failed to verify account. At this point I realized that this company had just stolen my Personal Information and they pose a potential threat to my information. I need to know what to do about this situation as soon as possible. This is the text they sent me Credit Management , LP has been issued XXXX XXXXXXXX XXXX. XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX by the North Carolina Department of Insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I did not make a purchase of XXXX from a company called 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 monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I performed a balance transfer onto my Bestbuy Citi Bank credit card. It was to be 0 % interest through XXXX of 2024. I have been making regular payments and large payments to ensure the balance is paid down. When making my most recent payment, I noticed that I was being charged a XXXX XXXX  monthly fee for some debt protection fee. I have never authorized a debt protection fee to be charged to my account, and I feel like I have been unfairly charged for something unnecessary and something I would have never agreed to. I looked back, and they charged me the same {$90.00} for the last five months, so I have racked up {$450.00} in protection fees that were never authorized. Why would something like this be hidden and charged to a cardholder without prior knowledge and something indicating that it would be required? I have contacted Bestbuy card services, which I believe is Citi Bank, and asked them to cancel and remove the charges or dispute them, and they told me they could not assist me. The lady just referred me back to the phone number provided on the line associated with the charge. I informed her that the phone number directed me to her and that if I called back, I would be directed to the same department. She apologized for being unable to assist me. Still, she said I needed to contact the XXXX XXXX company to resolve the issue, but there was no way to contact a company with no information on the bill. The phone number takes me back to Citi Bank/Best Buy . How do I go about removing these fraudulent charges from my account and ensuring myself and others don't become victims of fees and charges that they are not knowingly authorizing?

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 2024-06-08 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: Happy Money, Inc.
State: CA

Complaint narrative:
Somebody took out a loan fraudulently in my name from company happy money and it was reported to my credit report Happy money reported loan was initiated in XX/XX/year> and the last payment was also in XX/XX/year> I called them and told them I never made a payment and they are providing a fake payment history to the credit report please see the attached payment history on credit report which clearly shows last payment XX/XX/year> but they have shown paid on time for 1 year fraudulently making up a payment history this account is not mine they never gave me any documentation to prove the validity of this loan should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: CA

Complaint narrative:
I am XXXX XXXX, a natural person and this is me physically sending this dispute. 
I am writing to dispute the recent hard inquiry placed on my consumer report by your agency, as it violates several provisions of federal law. 

INQUIRES : 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 Experian is in violation of consumer rights laws by using false, misleading, and deceptive means. By furnishing these accounts to consumer reporting agencies without providing the required disclosures, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I hereby request that you remove the hard inquiry from my consumer report immediately and provide me with the necessary validation information as required by law. Failure to do so may result in further action to protect my consumer rights.

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/XXXX submitted complaint regarding self lead bank whom had md reported as 60 days late XX/XX/XXXX XX/XX/XXXX you responded it was deleted. 

Just from confirmation speaking with your office of consumer affairs confirmed not only was it not deleted but your office of consumer affairs even confirmed there was a late pay ad of XX/XX/XXXX on an account closed on XX/XX/XXXX she advised me up contact the lender. Right there in front of her was obviously inaccurate damaging reporting and yet did nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal simply lost {$5.00} of mine that I attempted to withdraw - but they just deducted from my balance without asking for any bank information and did not give to me. This is very rogue and corrupt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: LA

Complaint narrative:
Student loans were forgiven via PSLF. Equifax will not comply and adjust the balance to XXXX. I have made several online disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I booked a ride in XXXX, XXXX from the XXXX XXXXXXXX, XXXX to XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX through XXXX app. The driver XXXX XXXX accepted the booking and we started this trip at XXXX am on XX/XX/XXXX. In the middle of the ride, the driver started telling me that I would miss my plane if I don't cancel the booking with XXXX and I have to pay him off XXXX app if I want to get to the airport on time. I ( female ) was in a foreign country, in his car in the middle of a highway, with luggage, without phone service or wi-fi. I said : no, I can not cancel XXXX, I don't have wi-fi and I don't have cash. He asked me for my phone, connected it to his phone 's wi-fi and canceled his ride on XXXX app. He drove me to the airport and charged my credit card XXXX XXXX XXXX XXXX US {$67.00} ) when the XXXX estimate was XXXX Turkish Liras. I did not sign the receipt as the amount charged was incorrect. I filed the dispute with my credit card bank- Capital XXXX for overcharge, providing detailed information about the nature of the dispute, timeframe of the ride, screenshots from XXXX app, email communication with XXXX XXXX from the app that included XXXX 's identifications, time, route kilometrage, amount to be charged for this ride, official taxi fares in XXXX. According to Capital One, all my support is invalid but not signed receipt from the driver is valid. I asked the bank representative over the phone if the driver charged me XXXX XXXX would that receipt be valid without my signature. The representative replied : no, but they can not help in my case. When booking this ride I agreed to pay the highest estimate XXXXXXXX XXXX XXXX I did not agree to pay the amount that was charged to my credit card forcefully by deceit. Capital One does not do its due diligence to protect its customer from fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: UT

Complaint narrative:
reporting 30 days mortgage payment late which it was not late it was on time

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
reporting 30 days mortgage payment late which it was not late it was on time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: UT

Complaint narrative:
reporting 30 days mortgage payment late which it was not late it was on time

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information 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 explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/year>, Chase and Southwest were offering a promotion where you spend $ XXXX in 3mo and you'd receive XXXX points and a Southwest XXXX XXXX. I signed paperwork for this promotion and applied/was approved on XX/XX/XXXX during the promotion window. I hit the required spend amount, but instead of giving me the XXXX + XXXX XXXX  promotion, they gave me XXXX points and no XXXX XXXX. After escalating this with Chase, their market research team came to the conclusion that I had received the correct offer of XXXX points and XXXX XXXX XXXX. They informed me that no further escalation could be made. 

This is my last resort, as Chase has gone back on our cardmember agreement and refuses to honor the promotion I signed up for. I have email receipts showing I signed up on XX/XX/XXXX, but they still insist I got a different promotion. They have cost me thousands of dollars in lost rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Hello, Last year, I closed an account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After a month, I paid the last bill pro-rated, as stated by the XXXX XXXX XXXX representative. I began to receive debt collection communication from Sunrise about a debt amount of {$46.00}. The Sunrise account number is # XXXX. 

I did not receive any type of communication from XXXX XXXX XXXX about this. I tried calling, but unable to get through. I do not owe this debt as this account shouldn't be open in the first place.

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 2024-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc.
State: TN

Complaint narrative:
From the beginning, I have always made my payments on time. Roughly about two years ago my wife, XXXX XXXX XXXX XXXX XXXX and it was my responsibility to take care of her.. so I reached out to my mortgage company and applied for help with one of the payments. They instead of giving me the option of one month they said oh I could get up to three months and that those three months would be put at the back of the loan just to help. so I thought this was a gift from XXXX, but never did I know years later, it would come up as something dishonest that they did. I tried to go and refinance my home and try to get XXXXXXXX to help me with that.. what they uncovered at XXXX XXXX was that mortgage company took out a second mortgage on my home to cover the past due payments. I did not agree to that nor did I know that they were going to do that to me.. here we are present day and for the past couple of months because of bad weather with snow, tornado destruction and my companies lack of loads because I am a truck driver. My hours have fell short, and my checks are even shorter. I am also going through a separation and a divorce from my wife. With all of this, I have several times tried to reach out to this mortgage company often staying on the phone about 45 minutes waiting on someone to come to the phone to help me for the phones to get disconnected. No one respond back through email they call or claim to call and Leave me a voicemail send they called but my phone never ring me reaching out to them via email asking them to call me from a different number or provide me with the number they are calling so that I can at least save it in my phone. They denying that me trying to tell them can I please send in partial payments just to show that I am trying to pay you guys for them to tell me that was declined, me asking and begging them to set up some type of deferment or some type of push to the end of my loan payment to keep me from going behind. They denying that me setting up XXXX emails requesting to have a conversation with them only for them to set up a time and not fulfill their promises. I am getting nowhere with them and at this point right now my account is showing delinquent by a large amount that I really dont have, I have been trying to ask for help. I have been praying for help and it seems like to me no one wants to help and it is not fair that you asked for help before it gets to this point no one wants to help you and then once it gets to this point, its like nothing they can do, so I am just looking for help. I can get to get someone to give me justice from this company.

Company response to consumer: Closed with explanation