vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: RI

Complaint narrative:
I have 2 complaints about Shellpoint mortgage, loan number XXXX below. 
Several years ago after the market crash of XXXX, the current loan servicer on my mortgage had offered me a payoff of less than my current balance, not because I was paying my mortgage late, but because I was under water equity-wise due to the recent real estate market crash. Because I did not have the equity or means to payoff the mortgage, I did not accept the offer. Fast forward about 15 years, I now had equity and reached out to Shellpoint/NewRes to see if that offer was still available. I started that process with them and they said they would send an inspector out to the house to look at it. They did not say if they wanted to determine the value of the house or just see that it was well kept. What they did not inform me of, nor did I agree to them charging me {$240.00} for this so called inspection. I complained and their responses were short, basically saying they are not dismissing that {$240.00} charge, which was added to the payoff of the loan when I soon after paid it off. I feel I should be refunded that {$240.00} because I was not informed of the charge and never agreed to it.

The next complaint is that I later sold the property on XX/XX/XXXX and am owed {$2300.00} for my escrow overage as well as the overpayment of the mortgage as requested on the payoff statement received from Shellpoint prior to close. They claim a refund check was sent to me on XX/XX/XXXX, which I never received. I estimate that I called Shellpoint 5 or 6 times after that to get the money sent to me. Every time I call I am promised that I'll have the money directly deposited into my bank account within a few days. Once again, I did not receive it today, XX/XX/XXXX as previously promised. They just give me excuses and wonder why the refund was not issued. I called Shellpoint and got the same response as usual, which is they will file an internal complaint and get my money sent right out. I have no confidence that this will happen in a timely manner. According to the CFPB, mortgage companies have 20 days, excluding holidays, Saturdays and Sundays, to return escrow balances and mortgage overpayments to consumers. It is now 60 calendar days that I've been waiting for my refund. I feel I should not only be refunded immediately, I also feel that I should receive reasonable compensation for this extensive delay and Shellpoint should be fined for this and perhaps their people who handle refunds should be retrained or they should hire more competent people in their organization. Thank you for your attention to this matter.

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 2024-08-29 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: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: TX

Complaint narrative:
I froze my credit report due to the latest nationwide hack, and decided to look at my credit report. There are a huge number of inquiries from a " Transunion consumer inte '' XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as TRANSUNION CONSUMER INTE XX/XX/XXXX, XX/XX/XXXX TRANSUNION CONSUMER INTE XX/XX/XXXX XXXX XXXX via TRANSUNION INTERACTIVE IN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX INTERACT XX/XX/XXXX XXXX via TRANSUNION INTERACTIVE XX/XX/XXXX XXXX via XXXX XX/XX/XXXX, XX/XX/XXXX all it seems transunion related, none of which I instigated in any way. What is going on? And they have no answer. Other than write a letter to us. Went through their " chat '' and " phone '' customer service help.

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 2024-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
I purchased a virtual gift card from vanilla gift card. The card did not work at any merchant. I informed the merchant and they kept saying it's good to go. After many attempts I ask for money to be refunded. By the start of XXXX I was now ask to wait 3 weeks for a check refund. 
At first I was told it was issued XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
What I discovered is those dates matches with the dates that I called. 
Overall they are giving dates based on when I called so obviously the check is not being issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

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

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 2024-08-29 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

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

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 explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
Purchased a new XXXX cadet mower in XXXX. Purchased from tractor supply. Low interest and XXXX $ per month advertised. Citi bank backs this card. Every month Citi charges a late fee and states I owe more than the XXXX XXXX I've got XXXX $ in late fees that are contrary to my contract with tractor supply. 

I've tried talking to Citi bank, they won't listen. 

This is a legal violation of a binding contract with tractor supply.

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 2024-08-29 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-08-29 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: MA

Complaint narrative:
Theres an account on my XXXX called XXXX XXXX XXXX XXXX  Acount # : XXXX for a balance of {$2000.00} with the original balance being {$2100.00} as said by XXXX on my credit profile. This account is a problem account because XXXX  doesnt give me the option to dispute. This is not my account and should be deleted off my credit as soon as possible. Im going to upload a Massachusetts ID card and a Social Security card to help verify my identity. Please delete this account from my credit report because this should be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. Under 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment under an open end consumer credit plan as late for any purpose. The payment was reported late in XX/XX/year> and XXXX 2022 to XXXX, Transunion, and XXXX despite violating the aforementioned statutes.

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 2024-08-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. Under 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment under an open end consumer credit plan as late for any purpose. The payment was reported late in XX/XX/year> and XXXX XXXX  to Equifax, XXXX, and XXXX despite violating the aforementioned statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. Under 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment under an open end consumer credit plan as late for any purpose. The payment was reported late in XX/XX/2022 and XXXX 2022 to XXXX, XXXX, and Experian despite violating the aforementioned statutes.

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 2024-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was wrongfully charged with securities fraud to which all of my credit cards and bank accounts were closed before the result. After I beat them in court and the case was dismissed due to no finding of wrong doing, I tried to open another credit card through chase bank. To which I got the chase sapphire reserve because my credit score is well over XXXX. They granted it. I never keep a balance and pay it off almost daily. I use about {$25000.00} a month and easily pay it. Again, never a balance. They recently randomly decided to close my card they wouldnt give me a reason other than it was connected to a previous account closure. Side note, my previous accounts were always in excellent and never had an issue or balance or missed payment. I explained my situation to the person on the phone and he said they would send a letter and this was non reversible. That their decision was final. I explained I had a judges orders showing the case was dismissed due to no wrongdoing and no crime found. They still closed me out. All banks seem to do this and all credit card companies. How am I supposed to live? I have excellent credit and have NEVER committed a crime. This is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: NY

Complaint narrative:
I have attempted to dispute multiple accounts with XXXX XXXX and equifax and they have failed to correct the inaccuracies on my report. there are accounts that I am not liable for, and they these agencies have not supplied proof of my wet signature and many of other violations on my behalf as a consumer. Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ). I will list the accounts that are inaccurately reporting and I would hope that you correct and look into these errors. I am a servicewomen and I am fighting for OUR country and I know this is a violation of my rights under 15 USC. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
creditor : XXXX XXXX  acct # : XXXX, creditor : XXXX XXXX acct # : XXXX, creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX acct # : XXXX, creditor : XXXX acct # : XXXX these are these accounts that are misleading and reporting inaccurately on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: OH

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.

Account Name : Chapter 7 Bankruptcy Account Number : XXXX and list of Inquiries. 

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 2024-08-29 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: OH

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.

Account Name : Chapter 7 Bankruptcy Account Number : XXXX and list of Inquiries. 

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 explanation
Consumer complaint received 2024-08-29 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint against MIDLAND CREDIT MANAGEMENT regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>, and my Social Security XXXX is XXXX. Upon reviewing my MIDLAND CREDIT MANAGEMENT credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting MIDLAND CREDIT MANAGEMENT directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my MIDLAND CREDIT MANAGEMENT credit report. Additionally, I seek written confirmation from MIDLAND CREDIT MANAGEMENT once these accounts have been corrected. I also ask the CFPB to investigate MIDLAND CREDIT MANAGEMENT handling of my dispute and its adherence to FCRA and CFPB rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
A recent experience XXXX XXXX XXXX XXXX in XXXX, LA has raised some concerns. on XX/XX/year>, a XXXX  XXXX XXXX was resent based on information provided by a company sales representative. representative assured that the vehicle was fully capable of working on the XXXX  platform and that, being an electric vehicle, it would take only 45 minutes to charger at a low cost. However, after only five days of use, several significant discrepancies have been discovered. The vehicle ** does not meet the requirements necessary to work with XXXX** It takes approximately 6-7 to fully recharge, on the most economical charging option, and if the battery is completely depleted, charging can take 10 hours or more. Charging the battery at a fast-charging station can cost up to $ XXXX for a partial charge, which is unsustainable for work needs. When this issue was brought to the attention of the dealer, it was communicated that returning or exchanging the vehicle was not an option due to internal policies that were implemented a year ago. these policies were not disclosed during the transaction. additionally. it was advised that returning the vehicle could negatively impact the credit rating, which was perceived as pressure and manipulation. this situation has caused significant hardship and XXXX XXXX  Toyota is expected to address and resolve the issue fairly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: GA

Complaint narrative:
My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization. I did not obtain any goods, service, or money from transactions. Account : XXXX  XXXX Account # : XXXX, ACCOUNT : XXXX  ACCOUNT # XXXX, ACCOUNT : XXXX XXXX ACCOUNT # : XXXX, ACCOUNT : XXXX ACCOUNT # XXXX, ACCOUNT : XXXX XXXX  ACCOUNT # XXXX ACCOUNT : ( Original Creditor : XXXX  ) ACCOUNT # XXXX ACCOUNT : XXXX ACCOUNT # XXXX, ACCOUNT : XXXX ACCOUNT : XXXX, ACCOUNT : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT : XXXX XXXX ACCOUNT # 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