vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN Is showing an account : XXXX XXXX XXXX amount {$590.00}. This account is not showing on my XXXX account. This is inaccurate reporting and the company and account should be removed from my credit file. 

EXPERIAN Prepared For XXXX XXXX Date generated : XX/XX/XXXX Collection accounts XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. 
{$590.00} Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX. 
Company sold - Account type Debt Buyer Date opened XX/XX/XXXX Status Collection account. {$590.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$590.00} Balance updated XX/XX/XXXX Original balance $ XXXX  Monthly payment - Past due amount {$590.00} Terms 1 Month Responsibility Individual Your statement XXXX : Collections Its important that you try your best not to fall behind on payments so your account doesnt get passed on to a collections agency. This usually drops your credit score significantly. 


XXXX XXXX Reported : XX/XX/XXXX {$980.00} Outstanding XXXX XXXX Reported : XX/XX/XXXX {$910.00} Outstanding XXXX XXXXXXXX Reported : XX/XX/XXXX {$320.00} Outstanding

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: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Subject : Formal Complaint Regarding Loan Application and Earnest Money Dispute I am writing to formally request written confirmation from XXXX  Manager XXXX XXXX ( NMLS ID XXXX ) regarding the handling of my loan application and the subsequent dispute concerning my earnest money. 

**Summary of Events : ** * XXXX XXXX XXXX XXXX XXXX XXXX ( NMLS ID XXXX ) was aware of my wife 's upcoming job change and part-time status from the beginning of the loan approval process. 

* On Monday, XX/XX/XXXX, we sent an email expressing concerns about the closing and my wife 's job change. 

* XXXX XXXX requested we recall the email, stating it would be a " deal breaker '' for Chase Bank. He then persuaded XXXX XXXX Specialist XXXX XXXX ( NMLS ID XXXX ) to overlook the email without our authorization. 

* We requested transparency and expressed concerns about potential foreclosure and credit score impact. 

* Despite our requests, the employment verification process continued, and we did not receive a loan approval or denial by the contract deadline of XX/XX/XXXX. 

* Due to the lack of a loan decision and the risk of not having a place to live, we terminated the purchase contract on XX/XX/XXXX ( New Loan Availability Deadline ) due to not having a new loan approved given the on-going delays and uncertainty around an actual approval and closing date. 

* The seller refuses to release our earnest money, and Chase Bank denies responsibility, stating the loan was not approved or denied by the deadline. 

* As of XX/XX/XXXX, at approximately XXXX XXXX, the loan is being approved with the underwriter team based on the lending advisor 's request to the underwriter to overlook facts stated in our email on XX/XX/XXXX. 

**Conclusion : ** We have been placed in a difficult financial situation due to the handling of our loan application and the subsequent communication failures. We demand transparency and accountability from Chase Bank and its employees.

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: 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: IA

Complaint narrative:
On XX/XX/year>, somebody opened a dispute against my Experian credit report. I did not open this dispute. I was actually on vacation at the time. Later that same day, Experian settled the dispute. Which is suspiciously fast. My credit score was lowered. I have contacted Experian twice asking for more information. I've gotten the runaround each time. I have contacted Experian twice asking them to remove the dispute and restore my credit score. These requests have been ignored. A previously submitted CFPB complaint did not address this issue in any way.

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: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Someone opened a account with this creditor this is a result of identity theft. I did not consent to opening this account with this creditor.

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: Other features, terms, or problems — Other problem
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a credit balance on my account of {$15.00}, I asked your Customer Service on the message section to send me a check of that amount, theyre asking me to go to the branch with my identification, may I know what is the reason for that?

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: MD

Complaint narrative:
I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.

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: CBC Companies, Inc.
State: GA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was supposed to get an annual fee waiver for being a Citibank Private Client customer. When I opened the account in XXXX I was charged the fee, and paid it, and I've been trying to get it credited back since then. I have heard many stories from Citibank about when the fee would be refunded, and the stories have so far not been true. Mostly the credit card department tells me the bank department has to do something, and the bank department tells me the opposite. One such example is that the bank department told me the credit card department will dispute the annual fee so that I don't have to pay it while waiting, and the credit card department said they can not do this. My next payment is due on XX/XX/XXXX. I would like the {$590.00} fee to not be part of the payment due, but I have no confidence that Citibank will fix the issue by then. Just today I spoke with 2 managers at Citibank and asked for a permanent or temporary credit today, and they refused and told me to keep waiting.

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: 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: PA

Complaint narrative:
Re : Incompetence and Unjust Charges by Shellpoint Mortgage Servicing XXXX Newrez Mortgage LLC I am writing to address the gross mismanagement and blatant disregard for customer welfare by Shellpoint Mortgage Servicing XXXX Newrez Mortgage LLC. 

Background : I am under a three-month forbearance plan, clearly stating no payments are required during this period. Despite this, your company unlawfully deducted {$2600.00} from my account. After days of complaints, you finally refunded the amount. 

Current Issue : Now, Ive received a letter demanding I pay back the {$2600.00} that was refunded, along with a {$50.00} fee for a " returned payment, '' totaling {$2600.00}. This is either gross incompetence or a deliberate attempt to exploit your customers. Your departments clearly do not communicate, as they seem completely unaware of the active forbearance plan on my account. 

Previous Complaint : I have already filed a complaint regarding the unauthorized deduction during my forbearance period. While that issue was eventually resolved, your current demands indicate that nothing has improvedit 's only gotten worse. Your company is incompetent and untrustworthy. 

Complaint Summary : Your company wrongfully deducted {$2600.00} while I was under an active forbearance plan. 
After refunding this amount, youve now demanded I pay it back, along with a {$50.00} fee, totaling {$2600.00}. 
This is harassment and a clear sign of either gross incompetence or intentional exploitation. 

Actions Demanded : Immediate cancellation of the {$2600.00} demand, including the {$50.00} fee. 
A detailed explanation of why this payment was refunded and why you are now demanding it back. 
A guarantee that no further unauthorized deductions or unjust charges will be made while I am under the forbearance plan. 
Immediate corrective actions to ensure this does not happen again. 

Conclusion : I am filing this complaint with the Office of the Attorney General in Pennsylvania, the XXXX XXXX XXXX XXXX XXXX XXXX, and the Consumer Financial Protection Bureau ( CFPB ). Shellpoint Mortgage Servicing has shown nothing but negligence, incompetence, and a lack of integrity. 

I demand immediate action to correct this egregious behavior.

Company public response: Company believes complaint is the result of an isolated error
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: LEXISNEXIS
State: GA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX 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 60 days 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. XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have requested proof that I were late on the accounts reported.

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: 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: WI

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, GA XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Subject : Request for Debt Validation Dear XXXX  I am writing to formally request validation of the debt associated with my account, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I have received communication regarding this matter and would like to exercise my right to request detailed information about the debt you claim I owe. 

Please provide the following information : 1. The total amount of the alleged debt.

2. The name of the original creditor and the nature of the debt.

3. A copy of any agreement or contract that demonstrates my obligation to pay this debt.

4. Documentation that proves you have the authority to collect this debt.

5. A complete account history, including the dates when the debt was incurred and any payments that have been made.

Additionally, please halt all collection activities until you have provided the requested validation. If you are unable to furnish the necessary information, please consider this debt disputed and remove any negative reporting associated with it from my credit report.

I appreciate your prompt attention to this matter. Please send the requested information to my mailing address listed above. Thank you for your cooperation.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I do not recognize these inquiries and have no connection to the creditors listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding Experian 's reporting of unnecessary and inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), the Michigan Consumer Protection Act ( MCPA ), and the Michigan Credit Reporting Act ( MCRA ). I request the CFPBs intervention to address the issues detailed below and ensure compliance with relevant consumer protection laws.

Disputed Information : The following entries on my credit report are contested due to inaccuracies and unauthorized reporting : Account XXXX : XXXX XXXX XXXX  Balance / Date : {$240.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX XXXX XXXX XXXX / Date : {$620.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX XXXX Balance / Date : {$240.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX, XXXX Account XXXX Balance / Date : {$250.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX, XXXX Account XXXX Balance / Date : {$120.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX XXXX XXXX Balance / Date : {$520.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX XXXX XXXXXXXX XXXX XXXX : {$720.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX XXXX XXXX Balance / Date : {$750.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists.

False Reporting of Information : Experian has reported incorrect information associated with my Social Security number ( XXXX ) : Inaccurate Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX Legal Name : XXXX XXXX XXXX XXXX Addresses Reported : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MI XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Legal Basis for Dispute : FCRA Compliance : Reporting inaccurate names and addresses violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c ( a ) ( 5 ).

USC Exclusions : Under 15 U.S.C. 1681a ( d ) ( 2 ), certain types of information are excluded from the definition of a " consumer 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