vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
My mailbox was broken into in XXXX and mail was stolen. I made a complaint to the complex as well as the United States Postal service.. This month I saw where a collection was placed on my credit report. The account was opened in XXXX of 2023, I do not have an account with XXXX nor have I applied for a account with XXXX since almost 10 years ago. This old account has fallen off my credit 3 years ago.I have disputed the recent account as fraudulent due to it being opened in XXXX but Jefferson Capital Systems who is known for buying junk debt, and resorting to illegal debt collection practices refuses to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Lennar Financial Services, LLC
State: CO

Complaint narrative:
My partner and I were at the closing for the purchase of our house using Lennar Mortgage, LLCXXXX # XXXX as our lender. 

That day we were sent a set of documents to sign. XXXX of those forms was a " Consent to share Tax Return and related information. '' I read the document and objected that it was too open ended for sharing of my tax return data to both the Loan officer and Title closing agent. I noted my return contains Bank information, Address information, employment information, and SSN. All of which are very useful to execute identify theft. 

I specifically objected to the ability of my tax return information to be used for " marketing '' purposes, or to " provide an offer ''. 

I also objected to the loose definition of " lender '' to include : The Lenders affiliates, The Lenders agents, The Lenders service providers, Any aforementioned parties successors and assigns, And objected to the loose definition of " Other Loan participants '' to include : Potential owners of a loan, Acquireers of any beneficial or other interest in the loan, any mortgage insurer, any mortgage guarantor, any servicers or service providers, for these parties and any of aforementioned parties successors and assigns. 

The loan officer and title closing agent both understood my objections and agreed that tax return information should be treated very carefully. The loan officer escalated to her boss, who replied " A XXXX people have complained about this form. But Legal will not allow it to be changed. '' So I was given the choice to sign the form, or not close on the house with Lennar Mortgage. 

Since I would incur negative financial impacts if I were to attempt to delay the closing of the loan, and choose a different lender- I chose to sign the form. 

But my gut tells me this tax consent form is wrong and overreaching. And could legally allow a wide range of interested parties to use my tax information for almost any purpose. Hence I decided to file a complaint.

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 2024-03-03 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My wife visited the XXXX XXXX in XXXX from XX/XX/XXXX through XX/XX/2023. All of the receipts that were signed were signed in XXXX XXXX ; however, the resort decided at the end of the trip to convert and charge the amount in US dollars. All other foreign transaction charges through Chase are charged in the country 's currency and then converted on the Chase statement at the then prevailing exchange rate. Chase, however, allowed a foreign company to charge in US dollars even though all the receipts are signed in XXXX 

While at the resort she requested the charges to be charged in XXXX ; however, we were told they couldn't do that, which we learned later was not accurate. When she returned to the States, we contacted the company again and were told that if we went back to XXXX they would charge the transaction in XXXX 

My wife has XXXXXXXX XXXX and has a difficult time with computing numbers and handling certain situations. I believe the company took advantage of her XXXX when refusing to honor the transactions in XXXX  as she requested. 

We have reached out to Chase on numerous occasions, providing them with copies of the receipts as well as other Chase statements showing foreign charges being charged in the country 's currency, yet they refuse to do the right thing. 

I believe the charge to be a fraudulent charge since it was not charged accurately according to the receipts signed. Initially, I was seeking just to the difference of {$150.00} in foreign exchange fees. However, I have determined that the entire transaction is fraudulent based on the signed receipts. I am attaching documentation showing the charges in XXXX on the company 's statement, copies of some of the signed receipts in XXXX ( more receipts are available ), and other Chase statements showing foreign transactions in the country 's currency. 

The invoice from the company was for {$32000.00} XXXX  ( attached below ). XXXX XXXX rate on XX/XX/2023, according to XXXX was XXXX. The amount I should have been charged is {$1800.00} ; however, I was charged {$1900.00}. A difference of {$150.00}. When I first reached out to Chase via phone, their representative agreed that I was overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I did not authorize company to pull my credit report. XX/XX/year>

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 2024-03-03 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom It May Concern, I opened my regular checking account at Citibank in XX/XX/XXXX. I have never been ordering any checkbook from the bank since then. 

However, 7 forgery checks were cashed and 3 direct wire transfers of money were transferred from XXXX to XX/XX/XXXX from my regular check account without my authorization. It caused my financial loss of {$14000.00}. ( see the attachments of Citibank statements ) I understand that all banks are responsible for protecting and keeping clients ' accounts safe. If banksfind that their client 's account has problems such as forgery checksand wire transfer money being stolen, etc., the bank would either send an alert via email or contact the client by phone call. Otherwise, how does the bank know which transaction is a forgery check or a direct wire transfer without the client 's authorization? 

Fortunately, 3 forgery checks and 3 unauthorized direct wire transfers have been refunded back into my regular check account in the amount of {$7900.00} from XX/XX/XXXX to XX/XX/XXXX under the bank taking action on investigations as well as my requirement timely. ( see the attachments of forgery check transaction details ) Unfortunately, there are 4 forgery checks for {$6900.00} unrefunded back to my account so far. For this reason, I strongly request Citibank to continue taking action and investigating this issue and refunding the remaining {$6900.00} for me as soon as possible. ( see the attachment of forgery check images ) Also, attached is Citibank Affidivate. ( see attachment ) Thank CFPB for your time and help. I look forward to hearing back from you.

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 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
absolute resolutions nv fraudulent is sue me from a debt that was not verified at all by original credit XXXX XXXX I called XXXX XXXX XXXX they told me the did not have any information about said account that absolute resolution is now sue me for this is a baseless lawsuit and absolutely is fraudulent sue me without verifying anything I have never had a account with XXXX XXXX and the original credit could not find any information about the debt!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
Didn't authorize this company to pull my credit reportXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I approached XXXX XXXX ( XXXX XXXX XXXX ) after his post of being vegan and a professional trainer. He contacted me back and informed me he could help me with macros and training me with my medical conditions of : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this 1st XXXX XXXX he informed me he had a XXXX in XXXX XXXX and did XXXX XXXX. I felt the fee was high {$6900.00}, but XXXX XXXX encouraged me to use Affirm instead of going with a shorter program which was much less money. I decided to go with the program since this was my health and I was investing in my future XXXX I reviewed his contract which indicated I could cancel as long as I informed him by email and I signed the waiver if I by any chance would end up with XXXX Less than XXXX weeks into the program I ended up with XXXX XXXX XXXX and XXXX XXXX which are very painful. I went to my XXXX who informed me some of the exercises were the cause of my injuries. I contacted XXXX XXXX to cancel by email and XXXX through his " XXXX '' app but he just completely ignored my request to cancel and wanted to talk instead to " see what we could do ''. At this point I went to XXXX XXXX 's XXXX XXXX and found he out he does not have a " XXXX XXXXn XXXX XXXX '' but rather a certification through XXXX and when I checked XXXX to verify his license to indicate he does Physical Therapy he was not in the system. Penal Code 486.028, 486.135 On XX/XX/24 we had a XXXX XXXX I participated by phone ONLY but recorded the conversation as I now did not trust him. XXXX XXXX completely ignored the injuries and brought up the waiver. I informed him I was not looking to sue him but just wanted to cancel. It became contentious but in the end he said " ok so you just want to cancel '' in which I said yes. I asked him about Affirm in which he responded that's " your problem and I don't deal with them ''. I filed a dispute with Affirm and provided ALL information and AUDIO RECORDING which confirms our agreement was cancelled. However, today I received an email by Affirm telling me I'm responsible for the loan because " CANCELLATION or RETURN NOT PROCESSED ''. I am now sitting here with a debt and no service through FRAUDULENT MISREPRESENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Personal info 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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Personal info 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 2024-03-03 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: CT

Complaint narrative:
I have been disputing a collection on my credit report for XXXX XXXX. They denied them. I just looked closer today and noticed the dates of the day accounts were opened are inconsistent and other errors. From my understanding the information has to be correct across all XXXX reports. The information is not correct. The dates were in XXXX when I learned I had identity theft. And then the XXXX week of XXXX of XXXX. I filed the dispute and they came back and said it was me. Due to the inconsistency shouldn't it be removed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: CT

Complaint narrative:
I have been disputing a collection on my credit report for XXXX XXXX. They denied them. I just looked closer today and noticed the dates of the day accounts were opened are inconsistent and other errors. From my understanding the information has to be correct across all three reports. The information is not correct. The dates were in XXXX when I learned I had identity theft. And then the XXXX week of XXXX of XXXX. I filed the dispute and they came back and said it was me. Due to the inconsistency shouldn't it be removed?

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX I opened an account with XXXX XXXX to get access to a cash advance. I had begun repayment to this cash advance and in the month for the month of XXXX I fell behind on my payments and needed to catch up. I had then decided to repay the past due balance, but the representative at the time misinformed me of the proper process to repay that exact balance and instead had me pay the amount that was current on the account. I then expressed my concern and disappointment I had in XXXX XXXX as they failed to take any accountability in the management of my account. This event would then lead to them putting my account delinquent on my credit and has been so since then. Fast forward to XXXX of XXXX I was able to pay off the entire past due balance, and get my account positive, and since then I've approached XXXX XXXX on multiple occasions about the error they've made in the management of my account. On my XXXX report it now shows that my last payment was in the month of XXXX, and that I began missing payments in the month of XXXX. What's frustrating now is that on my XXXX report there's not only the absence of this account, but nothing for the XXXX XXXX on file at all. On the final credit bureau TransUnion contains a file for XXXX XXXX, yet they claim I never made a payment for XXXX, and that I missed a payment starting in XXXX and not XXXX like XXXX suggests with their report. Attached I have the reports for all three agencies, and I now plan to get all three credit bureau reports matching with 100 % identical and information as this is my right as a consumer. Per the laws set in place I know that this account presents problematic information as it not only is contradictory to the first claim of being 100 % accurate, but it also contradicts the claim of being fair as it shows information on XXXX report that isn't replicated and matching to the other XXXX available.

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
In XXXX I opened an account with Net Credit to get access to a cash advance. I had begun repayment to this cash advance and in the month for the month of XXXX I fell behind on my payments and needed to catch up. I had then decided to repay the past due balance, but the representative at the time misinformed me of the proper process to repay that exact balance and instead had me pay the amount that was current on the account. I then expressed my concern and disappointment I had in Net Credit as they failed to take any accountability in the management of my account. This event would then lead to them putting my account delinquent on my credit and has been so since then. Fast forward to XXXX of XXXX I was able to pay off the entire past due balance, and get my account positive, and since then I've approached Net Credit on multiple occasions about the error they've made in the management of my account. On my XXXX report it now shows that my last payment was in the month of XXXX, and that I began missing payments in the month of XXXX. What's frustrating now is that on my XXXX report there's not only the absence of this account, but nothing for the Net Credit on file at all. On the final credit bureau XXXX contains a file for Net Credit, yet they claim I never made a payment for XXXX, and that I missed a payment starting in XXXX and not XXXX like XXXX suggests with their report. Attached I have the reports for all three agencies, and I now plan to get all three credit bureau reports matching with 100 % identical and information as this is my right as a consumer. Per the laws set in place I know that this account presents problematic information as it not only is contradictory to the first claim of being 100 % accurate, but it also contradicts the claim of being fair as it shows information on one report that isn't replicated and matching to the other two available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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:
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Simply the issue is that Citi has denied a credit limit increase after numerous times of requesting. They even as went as far to send a promotional mailer in my email and my mailbox to push me to request for an increase to which was of no avail. 

Citibank doesn't have to issue an increase as they have the right to deny so however I've attached the documentation below that indicates the " reasoning '' as to why I was denied multiple times despite being pushed to do so. Apparently based from their system I have a late or missed payment with a lender which is false. I've reached out to Citibank for clarification as they were based this reporting off a report from XX/XX/2023. 

The issue here is first Citibank is using an old report from XX/XX/2023 instead of recent credit reporting. Second is the fact the information obtained was false and inaccurate, as no lenders or any of credit bureaus was able to confirm or locate any " missed/late payment or delinquent accounts ''. Third, I'm being mailed this promotional push when clearly Citibank is denied multiple times for no valid reason based on the dating of the XXXX requests when they were made. Lastly is the fact I spoke to managers multiple times for an explanation as to the XXXX issues highlighted here to which they simply stated to check with credit bureaus and lenders which I had done multiple times before asking for an actual resolution.

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have that my address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX This was just changed in XXXX of 2024. 

I sent a copy of my identification and I have identity theft and the account was frozen at that time. 

They told that they confirmed the information and it's connected to another dispute with XXXX XXXX I disputed. 

I live in a single family home. 

I actually even called them about this issue.

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