vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The change date for the interest is XX/XX/XXXX every year the Shell point has sent a letter stating the change is XX/XX/year>. Shellpoint has changed the date to beat the federal reserves rate cuts. 

Shellpoint has failed to provide a new amortization schedule. The payment was reduced when the interest rate increased makes no sense. The mortgage loan number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: FL

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-09-19 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:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rozlin Financial Group, Inc.
State: FL

Complaint narrative:
Received information about account creation from XXXX and spam calls in XX/XX/year> after being charged XXXXXXXX XXXX  for an online service that was never requested by me and not being able to get the money back that I still dont know why I had to pay.

They requested more charges which let me to inform my bank account about fraudulent charges by eharmony. The service was never requested by me. I have not heard from XXXX since then and had informed them that their request is a scam and that I will not be charged for the requested payments. 
Today I received and email by a company called RFGI, which states that they would collect an outstanding debt of XXXX .

it is completely oblivious to me why they send me this 4 months later and try to keep charging me for this but it is not my debt to pay.

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 2024-09-18 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: IL

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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. 

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 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-09-19 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******

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 2024-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I tried disputing a debt on my Credit Report, that I have no knowledge of and asked them to remove it from my Credit Report. On XX/XX/XXXX. XXXX  at XXXX XXXX, I received a phone call from that same Debit Collector. I informed the caller that our phone conversation was being recorded and I do have access to that recording. They were contacting me about the debt that I told them wasnt mine. I also asked them to send me Debt Validation regarding the debt. I gave them my address and told them they can send me those documents via email and no one has yet to contact me with that information. Their contact info is Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/year> I was charged {$620.00} on XXXX  XXXX for a purchase. When I received the order on XX/XX/year>, everything was defective, dead, full of pests, and not as described. I was also charged for an item that was not received. I took sufficient photos and videos of everything. I then sent this to XXXX  XXXX on XX/XX/year>. XXXX  XXXX responded on XX/XX/year> stating to send pictures of the items. I sent them the photos as requested. Then on XX/XX/year>, they stated they would review the pictures and then get back to me. On XX/XX/year>, they responded stating, that they would not refund the full amount. The explanations stated are inaccurate as it is evident in the photos that they are describing the incorrect products. They did not address the issue of pests, the incorrect descriptions, extra charges, and all the dead items. They also sent a code for a discount, which did not work. As a result of what they were doing, I filed the first dispute through Goldman Sachs on my Apple Card on XX/XX/year>. I sent Goldman Sachs the photos of the defective, dead, pests, and products that were not as described. Goldman Sachs sent a denial for the dispute on XX/XX/year>. I asked for a reason for the denial and they did not provide one. They never stated if they received my submitted information. I had reopened the dispute on XX/XX/year>. I sent Goldman Sachs the previous and additional information in the correct format that they requested. I also had them confirm that they received the information I had sent, which they stated they did. They had then sent a second denial for the dispute on XX/XX/year>. I messaged them on the same day asking again for the reason for the denial and they did not state any reason. I am asking for assistance in that this matter gets resolved. I am requesting the statement of {$620.00} be removed from the credit card account for the above-mentioned reasons. I have all the photos, emails, texts, and screenshots showing how the product was defective, dead, full of pests, and not as described. I have attached the files to this complaint. The attachments for XXXX XXXX show the photos of the dead corals. It also shows the order, which also shows the description of the product. These descriptions were inaccurate. It also shows that I paid for shipping protection and what shipping protection does. Attached is an email of them talking about a product I did not receive. There is a video showing their offered credit not working. There is an attachment of them stating their products are pest-free besides some items they have, that we did not purchase at all. Also attached are the text messages between Goldman Sachs and me for the filed disputes, in which they never stated a reason for the denials.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I was appointed PR of my late brother 's estate in XX/XX/XXXX. I opened bank account for the estate with Wells Fargo Bank, NA on XX/XX/XXXX and deposited over {$50000.00} into estate cking account. The estate ran it's course and over the course of the following months I issued checks to people owed from the estate and once the court approved the final closing documents they instructed me to disburse the money in accordance to my brother 's Will to the various beneficiaires which I did. This XXXX  out the bank account leaving a XXXX balance. In XX/XX/XXXX I received an email from Wells Fargo Bank advising me that they had closed the account due to no activity for 60 days. I was never notified by the bank PRIOR to them closing the account only after it was closed. My brother 's Oregon tax returned was recently received and the ck was issued to the Estate of XXXX XXXX XXXX Since the ck issued to estate Wells Fargo refusing to allow me to deposit it in my personal bank account and to issue payment to the various beneficiaire in accordance to the Will. They said the only option would be for all beneficiairies to present at the bank with me to deposit the ck in my account as this is impossible as the beneficiaires are spread all across the USA. I have been working with the bank manage regarding this problem but her hands are tied. Legal refusing to all me to deposit ck even if I provide bank with signed receipts for each and every one of the beneficiaires stating they received their portion of the tax return. Only option is to return ck to Oregon Dept of Revenue and we lose out by receiving the money. Wells Fargo should have never closed acct without first cking with me as the PR of estate by call or letter. They closed acct without even talking to me and if they would have talked to me first this would all be a moot issue Estate of XXXX XXXX XXXX cking account no. XXXX XXXX Wells Fargo Bank XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX, Oregon I do not have access to the text message they sent me in XX/XX/XXXXXXXX XXXX  and the other information you will need is noted above. Let me know if you have questions regarding this.

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 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
Just attempted to deposit money into my checking account and it didn't go through. I then logged into the XXXX app and my accounts show {$0.00} ( which has been the balance for 2 days ) and the deposit is missing but wasn't rejected yet by the sender. 

Underneath my balance the app and website says " balance update unavailable ''. I tried to access XXXX and that's unavailable as well, i then called XXXX from my cell number attached to this complaint and no one ever came to the line. 

This is SCARY!

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 2024-09-18 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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 explanation
Consumer complaint received 2024-09-18 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 am in an inevitable stress due to these inquiries on my report. I have never permitted any of these companies to pull it on my credit and it is affecting my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted Capital One about a dispute. They denied me the dispute even though I showed them concrete proof that I was scammed! They told me I only had 60 days to get help, after that I am out of luck and on my own!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK
State: FL

Complaint narrative:
I recently received a copy of my credit report and notice I had fraudulent accounts on my account and data breach and I also noticed account balances and dates is not accurate different from other credit accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Sometime last month I went to deposit a small check only to see my bank account had a negative balance from over XXXX XXXX XXXX quickly found out it was all about a website XXXX, a betting website.I have continued to try and understand how this happened and explained this to chase many times.The bank then returned the funds pending their investigation.I now am being told that they have decided against me in this case.I can not understand any of this .Most importantly as Ive been saying why did chase allow these transactions to go on when they shouldve known I have never made these type of charges in 20 years!!! Had chase notified me in any way this is a problem that couldve been stopped..This is a failure on chase whom Ive banked with exclusively and I dont find their decision acceptable in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: IA

Complaint narrative:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXX XXXX 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 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. 16815-2 ( 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 2024-09-18 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: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
Sentry Recovery and Collection has not responded to my request for an investigation for a debt they claim i owe. it has been more than 30 days since the signed for the letter on 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 2024-09-18 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: PA

Complaint narrative:
I contacted XXXX XXXX XXXX in XXXX about a car lease on my credit report that I never applied for and asked for the original copy of the credit application so I could see who opened this account in my name if you look at my credit report I was never late with any of my payments until this issue now it is in collections the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX tel XXXX I never received the the copy of the original credit report I would like to have this account removed 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 non-monetary relief
Consumer complaint received 2024-09-18 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:
Upon reviewing my consumers report i noticed a few accounts that didn't belong to me. 
I've never heard of these companies nor have i ever given them my information. 
Here are the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : N/A

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my consumers report i noticed a few accounts that didn't belong to me. 
I've never heard of these companies nor have i ever given them my information. 
Here are the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : N/A

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