vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
10* public records reported on Experian credit report with out authorization. Very personal information! 10 separate reports

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 2023-11-22 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: TX

Complaint narrative:
Captial one sent me a notification asking if I made a purchase from XXXX toll and I contacted them to inform them that I did not. My account ending in XXXX was closed and I was given a new account ending in XXXX. They refunded the amount {$120.00}. The following month XXXX submitted the same amount and it was approved. I contacted Capital One about this and questioned how this was possible when the same transaction was supposed to be blocked from going through and the company didnt have the new credit card information. They were unable to explain this other than saying they may have a program that allows them to find the new account number. I communicated that the charge was not supposed to be authorized. After their investigation they added the charge back and now my account is over the limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE Inquiry Date : XX/XX/2022 Location : XXXX XXXX XXXX XXXX VA XXXX Phone : ( XXXX ) XXXX Action Taken : Social Security Number Unverified XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2022 Location : XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX Action Taken : Called to access the information used and wasn't able to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: ID

Complaint narrative:
XX/XX/. Given wrong increased property taxes info. I sent a screen shot showing the correct decreased amount. After three phone calls, five holds and one hang up I finally got it corrected. I was originally told that once the new decreased property tax was confirmed, I would receive a refund check for the difference. The refund will be held in my escrow account for almost a year now. {$500.00}. On top of that the company told me that XXXX XXXX Assessor sent the wrong property tax info. Lie. As a XXXX Vet of almost XXXX XXXX XXXX on SS, I find this very disturbing. Freedom Mortgage giving out loans to Vets with inaccurate info after the loan is completed. We have been with them for years and customer service is terrible.

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 2023-11-22 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: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX Account 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 2023-11-22 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: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX Account 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 2023-11-23 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: IL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the e-Oscar system, which has proven to be unreliable for the intended purpose of my dispute, and does not constitute the legally required independent investigation that you must conduct. 
For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually. 
The Information as Shown Below Must Be Investigated Immediately. 
Failure to Provide Adequate Details, Method of Verification, Accuracy of All Dates, Amounts, and other pertinent information will result in the immediate filing of formal complaints with the CFPB and the FTC. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item. 

Account Name XXXX XXXX XXXX XXXX Account Number 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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
INQURIES MADE WITHOUT MY CONSENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed unauthorized international charges on my checking account. I called to report said claims and the representative looked over my account and realized its been going on for months. So I filed the claim. I called back a few days later because I hadnt heard any type of response from the bank and they ended up denying my claim. I asked them why and they stated that I approved 2 of the transactions via text message. I then stated that when I received messages about fraud I responded YES to let them know it was indeed fraud, I assumed once I responded YES that they blocked the transaction and I moved along my day like normal. They then stated that I was supposed to respond with No, I did not authorize the charge. So because I misunderstood the question my claim has been denied and can not be reopened with that new information. I lost thousands of my hard earned money due to international charges and a misunderstood text message. All I want is my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy.

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions.

I have not furnished consent via 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.

The accounts listed are adverse items of information and are not convictions or crimes.

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.

The accounts listed all also have inaccuracies and different information on all 3 major credit bureaus from open date, to ammount owed, and also monthly payments.

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 2023-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I lost my phone. And there were unauthorized transfers from XXXX on my bank accounts from different bank. Those transaction taken place between XX/XX/2023 and XX/XX/2023. I talked to my bank snd they denied my claim. And told me that these transactions ate not unauthorized. The amount total of unauthorized transactions is {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Re : Bank of America XXXX XXXX XXXX XXXX, 0 % Promotional XXXX on balance transfers or cash advances. 
XXXX. I have been a BOA card holder for many years, and have always paid my statement balance to avoid interest charges. 
XXXX. BOA kept promoting to me a 0 % XXXX on cash advances for 11 months and I decided to take advantage of the offer for a remodel. 
XXXX. I called BOA to better understand how the promotional APR would work since I have other balances on the card and how the payments would be applied so that I may take advantage of the advertised 0 % APR for the entire term. I was told, as long as other balances are paid, above and beyond the promotional APR balance, there would be no issue. 
XXXX. My first statement after accepting the promotion, I received interest charges, despite paying the balance of the prior month. 
XXXX. BOA did a 1-time courtesy credit for the interest fees. 
XXXX. My new statement balance was {$18000.00}. I called BOA to find out and confirm what amount do I need to pay to avoid interest charges and still take advantage of my promotional APR, I was told {$13000.00}, how does the math work??? 
XXXX. These are scams and deceiving practices by the bank! I would have never taken advantage of the " offer '' if I knew it was just a way for the bank to start charging me XXXXR on my other transactions.

8. There should be a clear distinction between the APR balance and the balance subject to interest and your CC statement should reflect the minimum payment required to avoid finance charges. Otherwise, this is false advertising and a scam. 
XXXX. As a consumer, I should not have to perform mental and mathematical gymnastics to avoid interest fees. 
XXXX. I have been a responsible consumer, paying my XXXX statement balance in full each month only to be scammed by the bank to start paying more interest. 
XXXX. I have called, have been hung up on, have been told I did not understand the stipulations of the promotion, etc., and so on by multiple reps. But that's just like throwing words into the ether, pointless. 

What recourse or protections do I have 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 monetary relief
Consumer complaint received 2023-11-22 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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal complaint against Freedom Mortgage concerning my FHA loan account XXXX. I have experienced significant and ongoing issues with this lender regarding improper insurance charges and misapplication of mortgage payments. 

Upon the transfer of my FHA loan to Freedom Mortgage, the company added property insurance charges to my mortgage payments despite my existing coverage. After providing proof of insurance, I was advised by a Freedom Mortgage representative, XXXX ( Reference # XXXX ), to remit payment exclusive of the added insurance fees. Despite compliance and confirmation via certified mail ( Article XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the company continues to send notices claiming my payments are short, and my account statement as of XX/XX/2023, incorrectly shows an amount due of {$13000.00}. 

I have attempted to resolve this issue directly with Freedom Mortgage to no avail. The responses and actions taken by the company have been inadequate and unsatisfactory, leading to undue stress and financial strain. 

I am requesting the CFPB 's assistance in ensuring that Freedom Mortgage : Reimburses any overpayments I have made due to the erroneous insurance charges. 
Applies my payments correctly as per the instructions given by their representative. 
Adjusts my account to reflect the accurate balance after these corrections. 
Provides a clear and detailed account statement post-correction.

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 2023-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: KY

Complaint narrative:
I started receiving calls in the summer of XXXX for a XXXX XXXXXXXX  bill from a XXXX  I had in XXXX of XXXX. I was never sent the disputed bill ( {$920.00} ) and had paid all of the other bills related to this surgery. I asked the callers almost every time to send me proof of debt and they always refused, claiming I should have already have received a bill. I submitted a written request for proof of debt to the company through their on line consumer help website on XX/XX/XXXX. When I continued to receive calls about this disputed debt, I submitted a second on-line request on their consumer help portal on XX/XX/XXXX. I also mailed them a request for proof of debt on XX/XX/XXXX. I have had no reply to date, and I received a call from this debt collector on XX/XX/XXXX at approximately XXXX XXXX  ( XXXX ) from the number XXXX. I told the caller that their company was in violation of the Fair Debt Collection Act and that they had never sent me proof of debt. The caller then hung up on me without further comment. 

The company address is as follows : SCS Synerprise Consulting Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please review the attached documents. I request an investigation by the bureau into these accounts, which I have never been late for, yet they are being reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
INQURIES MADE WITHOUT MY CONSENT

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 2023-11-27 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: NC

Complaint narrative:
I sent a certified letter to XXXX XXXX XXXX to formally dispute an alleged debt that appeared on my credit report dated XXXX In the letter I requested a copy of the original purchase agreement to verify that they are the proper owner of the alleged debt. XXXX did not respond with this contract, only a bill from the original creditor. Additionally, the alleged account does not appear on my XXXX XXXX credit report and had different reported information on the XXXX and Equifax reports. I sent certified letters to both XXXX and Equifax to request this account be removed under the Fair Credit Reporting Act to provide accurate information on XXXX Both credit agencies responded that the information was verified even though I provided clear documentation of the errors and inaccuracies between all three credit agencies. Further, the original creditor charged off the alleged debt which in turn is accounted to me as earned income and is no longer considered debt according to the General Rules for form 1099-C of the IRS Code .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a certified letter to XXXX XXXX XXXX to formally dispute an alleged debt that appeared on my credit report dated XX/XX/. In the letter I requested a copy of the original purchase agreement to verify that they are the proper owner of the alleged debt. XXXX did not respond with this contract, only a bill from the original creditor. Additionally, the alleged account does not appear on my XXXX XXXX credit report and had different reported information on the Experian and XXXX reports. I sent certified letters to both Experian and XXXX to request this account be removed under the Fair Credit Reporting Act to provide accurate information on XXXX Both credit agencies responded that the information was verified even though I provided clear documentation of the errors and inaccuracies between all three credit agencies. Further, the original creditor charged off the alleged debt which in turn is accounted to me as earned income and is no longer considered debt according to the General Rules for form 1099-C of the IRS Code .

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