vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Upon closing on my home, my loan was serviced by XXXX XXXX XXXX. It was set up that my homeowners insurance would be paid out of my escrow. Within 2 weeks, I received a letter stating that Newrez was going to be taking over my loan and that nothing was needed from me, everything would remain the same. My initial policy was paid via my escrow. On XX/XX/year>, I received a text from my insurance agent stating that my homeowners premium was not paid yet, despite being overdue. I called Newrez on XX/XX/year> and was told that the homeowners insurance was no longer paid from escrow. I asked the agent why and she could not give me an explanation. She advised that I sent a written request stating I wanted my homeowners insurance to be paid via escrow, along with the premium bill so that it could be reviewed and paid. That same day, I sent the requested documents via fax AND uploaded in my online portal. On XX/XX/year>, I received an email from XXXX that my insurance premium was still not paid and it must be paid by XX/XX/year> to avoid cancellation. I called Newrez twice on XX/XX/year> and STILL have yet to receive any information or help. I now am left with 5 days to come up with over {$1000.00} to avoid my policy being cancelled. I still have no answers as to why this happened and no answers as to why my many message requests have been left unanswered. I have called twice today just to get the run around and told to call another department for assistance. Newrez has been absolutely terrible in communication and timely payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I contacted Barclay ( Jetblue credit card ) on XX/XX/XXXXXXXX  to dispute a {$150.00} charge from UBER and they temporarily credited this charge from my master charge while they investigated this erroneous " cleaning fee. Case ID XXXX. 

The reason that I deemed the cleaning fee erroneous is that on XX/XX/XXXX I used UBER ap and was charged the SAME erroneous {$150.00} cleaning fee on an unrelated credit card. I disputed with the XXXX  and also with

UBER via the ap and everything was resolved and I did not have to pay for this cleaning fee. In fact, UBER gave me a {$5.00} apology credit to my account. In the interim, I attached my Jetblue credit card to my UBER ap and used UBER o
n XX/XX/XXXX while I was taking a trip from XXXX XXXX. For some unknown reason, this SAME {$150.00} erroneous cleaning fee ( from the XX/XX/XXXX ) trip appeared on the trip that I took on XX/XX/XXXX! 

I tried to dispute with UBER directly but it is impossible to deal with a " live person '' at UBER as the ROBOT keep telling me the trip was over " 90 days old and I can not dispute '' Barclay in the meantime, advised me that UBER contends that " fee was valid and they put the {$150.00} charge back on my account ''. I contacted Barclay bank yet again, faxed all my pertinent proof that this was the SAME charge and escalated to manager of dispute department and they continue to refuse to credit this charge from my credit card account. 

Please review my proof and you will clearly see that this is the SAME charge and XXXX ( my driver ) from XX/XX/XXXX trip did not assess an unrelated cleaning fee from this trip.

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 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/year>2024, I received an email from XXXX XXXX stating I had a hard inquiry. I then made a credit freeze on XXXX, XXXX, and XXXX because I did not authorize anyone to check my credit nor did I apply for anything that would require a credit check. On XX/XX/year>2024 my mother sent me a text of a piece of mail that was delivered to her house, which was also my last address of residency. When I directed her to open it, it was a credit card from Citi. I checked XXXX XXXX on XX/XX/XXXX and noticed the Citi card had a charge of {$2300.00} on it. I promptly called Citi and informed them of the fraudulent account and charge. They could not tell me what or where the charge was made but they did ask me about a phone number that was associated with the account. The phone number is XXXX. I found this odd because I noticed this phone number on my XXXX account, and I am unfamiliar with who it belongs to. Citi informed me that they will dispute the account and charges made and notify me with a letter within 7 to 10 days of the results and outcome. I then disputed the account and the charge with XXXX and XXXX, as well as with XXXX XXXX, which is my identity theft insurance company. I filed a police report today, XX/XX/year>2024. I have since filed the last dispute with XXXX today.

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 2024-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I requested a replacement debit card because my card was due to expire. The representative stated that she would be sending a new card. I received an email that the card would arrive no later than XX/XX/XXXX. The following day I attempted to use my debit card and discovered that it had been locked due to potential fraud activity. I called CapitalOne to explain that no fraudulent activity had occurred. I expected my phone to be reactivated, but that did not happen. I called CapitalOne again and was told that because a fraud alert had been placed on my phone my existing card was deactivated and a new card issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: TX

Complaint narrative:
I, did not give consent for American Coradius International LLC to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose. I have never done business with American Coradius International LLC and have no obligation to them. I deny any and all claims and refuse to pay such alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-09 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-09 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 account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 those account 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.

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 1002 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

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 2024-09-09 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:
My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 those account 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.

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 1002 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

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 2024-09-09 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: MO

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: NM

Complaint narrative:
On XX/XX/XXXX I checked my NetSpend online account and discovered that both my savings and deposit account balances were {$0.00}, I knew that couldn't be correct so I immediately called customer service. 
I was given a rundown of my recent transactions by a girl named XXXX and the last two were, my savings ( {$320.00} ) was moved to my deposit account and then was moved to a XXXX XXXX  account under the name of XXXX XXXX. {$320.00} in savings and {$670.00} from my all access account, total of {$1000.00}. 
XXXX then explained how it works and told me to call back on XX/XX/XXXX. 
On XX/XX/XXXX I called back and discovered that it was still under investigation by XXXX in the dispute department .At that point I asked for a provisional credit and was told I would not receive a provisional credit because, I didn't send a letter of dispute On the XXXX, ( I didn't hear anything about a letter till the XXXX ). 
I then spent two days Trying to get the credit, to no avail. 
This is an incomplete list of who I spoke with, XXXX @ XXXX XXXX  time on XX/XX/XXXX, then transferred to XXXX a supervisor and was disconnected ( hung up on ) after XXXX mins I called back spoke briefly with XXXX and got disconnected, Called again and got XXXX was hung up on again, Called back and got Purple ( yep ) Purple she transferred me to XXXX in the Dispute department, couldn't verify, disconnected, Called again @ XXXX got XXXX, he tried to playcate me and I ended call. 
I tried to tell them all that I was aware of the FTC 's guidelines on provisional credit all of it fell on deaf ears, and now I'm here trying the next step

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 2024-09-09 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:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: SC

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Please Send updated Credit report XXXX XXXX XXXX XXXX XXXX {$4200.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX Never Late Please Update paid off

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 2024-09-09 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

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