vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
About 1 month ago i had wanted to switch my flood insurance carrier to another flood insurance carrier which was approximately {$1000.00} cheaper annually The original carrier is requiring a written letter its OK Shellpoint Mortgage Company to allow the switch Shellpoint agreed and promised me they would send the letter to the 1st flood insurance carrier ( XXXX XXXX ) so i can switch ; Note : i have Shellpoint 's multiple promises they made to me in writing via their emails to me they would issue the letter!! 

Suddenly after patiently waiting almost a month i was then told they will not send the letter! Compounding matters, i am paying the higher Flood Insurance premium amount during the entire wait! 

pls help me to have Shellpoint fulfill the promise to send the letter out ; again, i can provide all of the emails with all the Shellpoint Mortgage contact information with dates of all the correspondence thank you very much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the accuracy of information on my credit report, in accordance with 15 U.S.C. 1681 and U.S.C. 1692G ( 5 ) ( B ). I believe that the following accounts and information are incorrect and should be removed : 1. Collection Account : [ Account XXXX XXXX ] [ Explain why this collection account is inaccurate, e.g., not owned by me, incorrect amount, etc. ] 2. Late Payment Account Name XXXX ] [ Explain why this late payment account is inaccurate, e.g., payment was made on time, so please update as paid as agreed ] 3. Incorrect Address : [ Address XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ] [ Explain why this address does not belong to me and should be removed from my credit report. ] I request that you conduct a thorough investigation into these matters as outlined in 15 U.S.C. 1681i. Please provide me with a written explanation of your findings and any actions taken to rectify the inaccuracies.

I am relying on the protections provided by 15 U.S.C. 1681s2 to ensure the accuracy of my credit report. I appreciate your prompt attention to this matter and your commitment to upholding the integrity of credit reporting.

Sincerely,

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the accuracy of information on my credit report, in accordance with 15 U.S.C. 1681 and U.S.C. 1692G ( 5 ) ( B ). I believe that the following accounts and information are incorrect and should be removed : 1. Collection Account : [ Account XXXX XXXX ] [ Explain why this collection account is inaccurate, e.g., not owned by me, incorrect amount, etc. ] 2. Late Payment Account Name XXXX ] [ Explain why this late payment account is inaccurate, e.g., payment was made on time, so please update as paid as agreed ] 3. Incorrect Address : [ Address XXXX XXXX XXXX XXXX XXXX, IL XXXX ] [ Explain why this address does not belong to me and should be removed from my credit report. ] I request that you conduct a thorough investigation into these matters as outlined in 15 U.S.C. 1681i. Please provide me with a written explanation of your findings and any actions taken to rectify the inaccuracies.

I am relying on the protections provided by 15 U.S.C. 1681s2 to ensure the accuracy of my credit report. I appreciate your prompt attention to this matter and your commitment to upholding the integrity of credit reporting.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report. 
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 

I have also filed a 1099-c on XX/XX/2023 which was accepted by the Irs and then mailed to Midland Credit Management directly and was emailed directly to their CEO & CFO with a copy of the 1099-c, which I have submitted here.

Please immediately delete the following accounts immediately from my credit report! 

Immediate deletion of account and {$1000.00} per violation of the FCRA MIDLAND CREDIT MANAGEMENT COLLECTION FOR {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Good afternoon, I went to have a balance transfer from XXXXXXXX XXXX  to a Bank of the West card which promised no APY on outstanding balance until XXXX ( very enticing ). It was a portion of my debt with the intent to forget about some and pay off a smaller portion with discover. 

I had requested a balance transfer approximately XX/XX/XXXX, and sent a follow up inquiry on XX/XX/XXXX on their online message center ( no response ). Sent a follow up on XX/XX/XXXX and received a response on XX/XX/XXXX. It was a standard response of wait until 3 weeks ( which had been over 3 weeks by this point ). 

Message details sent to them on XX/XX/XXXX : I have no problem making payments ** However, looking at the statement balance, XXXX, which is an INCREASE ( emphasis ) from when I had the balance transfer from XXXX ; XXXX XXXX XXXX. 

This is weird as I made a payment on XXXX XXXX in the amount of XXXX, which should have reduced my total to XXXX. I want to make a payment tomorrow, but it seems the math is not math'n. 

Please advise, payment due date is XXXX ( Sunday ) which I will make but need to know what's going on. 
///////////BREAK/////////// Since this had been two-three months by this point, i preceded to call the numbers on their website. One directed me to a woman who was aggressively trying to sell me an emergency call button for what I imagine is for geriatric population. I interrupted her to ask who she worked for, to which she said she would transfer me but hung up. 

A second call after that one was with a man with a poor phone connection, and asked for my full SSN and Credit Card number for verification ( did not provide ). 

I have contacted XXXX, and they have no records of a balance transfer being initiated, so I have continued to make my payments to them. Bank of the West created debt out of thin air and were beginning to push for payments being made ( which after my first and only payment, my balance increased despite 0 % interest on debt ). I have ceased payments upon discovery of this suspicious activity and to date have never used this card. 

Greatly appreciate your assistance on 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 monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I am refiling this complaint to UNITED COLLECTION BURE for allowing the fraudulent account on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MS

Complaint narrative:
Call me several time thru out the days threatening me I ask to get those phone off my name they refused to turn them off They over charger for phone I turn back in and they was chargering me over for a phone I didnt not have Im notifying the 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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, 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 Credit Card account # XXXX, collection account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A, states I have a right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written permission.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Credit Card account # XXXX, collection account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A, states I have a right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
I'm providing more information to an address an issue with XXXX reporting XXXX accounts on my credit report. Even after the data breach that happened with XXXX somehow they still will place the wrong information on my credit report. I have the contract that isnt my name from XXXX and multiple letters. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; ( ii ) the information is, and in fact, inaccurate. THIS IS THE LAW XXXX REFUSES TO ACKNOWLEDGE THE LAW.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Some accounts were not being accurately reported on my report I called around XX/XX/2023 to have the correct information corrected and no action was taken. I could not access my credit report around XX/XX/2023 due to identification issues. I had sent the requested identification to update the record and recieve a copy of my credit report via the mail and did not see any change for a couple of months. And now I do not see anything on my credit report from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, 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:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX inquiries to be removed 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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have a virtual AMEX gift card that I am unable to use on line or in store. I was given the card with a {$350.00} value. I used it to make a couple of on line purchases at XXXX and in store at XXXX XXXX XXXX. That left the current balance of {$130.00}. I have since tried numerous times to use the card on line at XXXX, XXXX and XXXX XXXX. I called American Express several times and was told that the merchants may have security in place where they do not accept " anonymous '' user cards and to use in store instead. I have tried to use in store at XXXX XXXX XXXX ( this time didn't work ), XXXXXXXX XXXX  and XXXX. All instances the card was declined despite having a balance. I keep calling American Express and they tell me that my balance is there, restrictions are lifted ( why where they there in the first place? For my protection I was told. But I never reported losing the card. I am simply trying to use it! ) So back to the stores and same problem. When I call I am being told to try other merchants. I don't think this is fair. You should be able to use the card anywhere they have a card reader ( XXXX XXXX ). Any help would be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXXXXXX XXXX is staying I took out a loan, and I have not, nor do I have an account with them. I am a beneficiary on my husband account, not a signer on this account.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
This car was involved in a horrific accident that was not my fault. I was never advised that after the insurance company paid off the car that the balance needed to be paid within 90 days. There were payments made monthly of {$700.00}. A check was sent for {$1300.00} ( balance ) at the end of XXXX. They did not receive it or post it till the second week of XXXX. When I realized they still hadnt cashed the check, I called and made the payment over the phone but they had just reported that it was charged off. They gave me no notice, nothing! My credit score has tanked because of this and I had a great credit score that I worked hard to achieve. Hyundai refuses to do anything to help. It shows paid but it is still affecting my credit. I have a lawyer for the accident and will be willing to provide whatever you need. They also cashed the check after they received the payment over the phone and will not return it for 3-5 weeks!! This is unacceptable! Please help me fix this mess. I am still recovering from this accident and this all seems very unfair.

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 2023-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I called a phone number on an email I received that was supposedly from PayPal asking me to authorize the purchase of a laptop computer for {$470.00}. When I called the number the man on the phone told me I had charges on my PayPal account that he could help me remove. He asked me to download an app called " Any Desk '' which would help him do this. He then used this app to add charges to my PayPal Account and bank credit cards. I realized it almost immediately and called the banks cards and they removed the charges immediately, but PayPal refused to remove the charges, and we have been in a deadlock ever since the happened on XX/XX/2023. I have XXXX XXXX XXXX XXXX and have been negotiating through them with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
WITH NO PRIOR NOTICE : Chase displays a screen, upon login, that requires customer to 'accept ' both a 125-page Digital Service Agreement ( DSA ) and a 11-page E-sign authorization. ... and NO option to NOT accept it. All access to the accounts is blocked, immediately. When contacting the CS department, they concur; agree or no access.

Regardless what the 125-pages say, there is NO WAY it should be legal for them to block access to our funds/ their services without warning and options to react to their intent. Some of us have Bill-pay and other systems we need to work to meet our obligations. 

The 125-page DSA is , simply, a " We are not responsible for anything and can do anything we want, monitoring, changing global vendors who collect and monitor your personal info, etc. etc etc. ) ''. While I MAY understand parts, it is not something one should take lightly in accepting. 

To not provide the option to 'reject ' this DSA ( and maybe not use some of their services, but retain account access, etc. ) should be illegal. OPT IN was, per my understanding of FCRA, never to be the default or requirement for legal notice. And NOTICE was always required.. 

CLosing the account ( s ) is an option that I may pursue... but I have to 'accept ' in order to meet my monthly billpay requirements. This is holding consumers hostage and should be illegal ....

Shame on Chase. I'm sorry they got burnt, but this is NOT the way to fix it, IMHO ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
AS I WAS TRYING TO OPEN A BANK ACCOUNT I WAS ADVISED THAT I'VE ALREADY HAD A ACCOUNT I'VE PERSONALLY NEVER DEALT WITH ANY BANK SO MY INFORMATION WAS USED WITHOUT ME KNOWING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation