vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
Complaint Details On XX/XX/year> Chime locked and closed my account without notice! I was made aware of this when I was traveling and needed to stop for fuel and my debit card was declined. I immediately opened the chime app to see my balance and was met with a login denial stating I must call customer service. I made the call and they informed me that my account was closed and there was nothing further I could do & no manager or supervisor is available after calling repeatedly being hung up on and rude customer service agents declining my requests stating there is nothing they can do I would be receiving an email to direct my next steps while in possession of {$1700.00} for a reason given of a ACH transfer I made for {$2500.00} from my own personal checking account through a different bank. The email I received stated I needed to provide several documents proving I was the one initiating the deposit and to confirm my identity however I immediately used the link provided to provide all documentation they requested only to receive several automated emails stating to provide the same documents Over several panic phone calls through several days nobody can provide answers or a reason of why my account is closed? I demanded a paper check for the funds in my account as well as permanently closing my account and I am met with a customer service line that barely speaks XXXX and is unwilling or unable to help me resolve this matter I will be seeking out all other account holders that had this issue with chime to start a mass tort lawsuit against chime for damages they have caused! intentionally locking accounts and stealing tax paying citizens funds! I am asking BBB as well as the FTC, CFPB to launch an investigation into these illegal unethical business practices chime is committing and would like to see chimes license to conduct business revoked or suspended as well as warn any other person or entity that chime is literally stealing funds needed to support families/individuals from its customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2024 I made a purchase at BestBuy for some appliances in the total amount of {$2500.00}. The salesperson called the XXXX XXXX for approval. The sales person on the phone ran my credit and advised I was approved and told me I would have a {$5000.00} limit. I explained that the purchase I was making was a little over {$2500.00}. He then advised that I would have the ability to use it at Best Buy only or as a XXXX at any store. I asked the question " what is the difference in the card '' He then proceeded to tell me that the only difference would be that I would have more buying power outside of BestBuy opposed to only purchasing from BestBuy. I opted for more buying power of course. His next question was if I wanted 12 months or 18 months financing. Again, I opted for the longer period of payment terms, knowing I would pay it off. Now, here we are in XX/XX/2024 and I am paying more on the credit card then the minimum payment in my efforts to get it paid off quickly and I noticed {$38.00} interest charged. I immediately called customer service and questioned the charge and they told me that the promotional only applies to BestBuy purchases. I explained that this was not explained to me and it was even encouraged to have more spending power outside of BestBuy. This is deceptive practice and they are clearly taking advantage of customers to gain interest payments. I want my money returned and I will stop using the card immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I " am requesting that my student loan accounts be removed off my credit reports within XXXX hours. I have attached proof that my loans are XXXX and a XXXX was submitted so its a cancellation of debt and income can not be reported on any credit reports its agents the consumer law. Also due to this being a cancellation of debt my loans has turned into a certificate of indebtedness and must be removed from my report. {$88000.00} has been cancelled a copy is attached and these should be removed within XXXX hours of this complaint. This is also against the XXXX XXXX XXXX you are not allowed to report income from school loans are any loans due to consumer law. The account numbers are listed below. 

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 explanation
Consumer complaint received 2024-03-20 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: Westlake Services, LLC
State: IL

Complaint narrative:
In accordance with the fair credit reporting act convergent XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 1666B A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

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 2024-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
Regions Mortgage told me they paid my property taxes in XXXX, XXXX. In XXXX, XXXX I received notice from XXXX XXXX ( NC ) that mt taxes were delinquent, I contacted Regions Mortgage and I found that they paid taxes on the wrong parcel. in the following two months I have received notices from the county threatening me with a tax sale and Regions will not pay the tax even though they been collecting money to escrow for that purpose. I got a phone calll today from Regions XXXX Department telling me that theyre looking into the issue with no indication that they will resolve it anytime soon.

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 2024-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint modified my account which wiped out missed the three missed payments. But, on my credit report Shellpoint is showing that I have three missed payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
when i when on line pymt was XXXX, i have a 10 daY GRACE PERIOD WHICH I WAS IN. THEN 2 DAYS LATER IN MAIL THEY CHG late pymt, also i informed them and gave their XXXX XXXX XXXX car was total, also title was mail in as they are XXXXXXXX XXXX, none of this was done as to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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:
XXXX XXXX illegally keeps putting derogatory information on my account after I had it commit corrected by the law and Im gon na give you the lie right here accordance with the fair credit act Emblem master card has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE This company corrected my credit report and they made it back derogatory again I will get a lawyer and sue 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 2024-03-20 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
As of XX/XX/XXXX when log into my on line account my statement said that my total to be repaid is {$17000.00} which start XX/XX/XXXX payment # XXXX = {$33.00}, # XXXX = {$97.00}, # XXXX {$83.00}. Then I have another paper saying : Payment next due date on XX/XX/XXXX and Status : XXXX XXXX : payments will begin in XXXX XXXX. Your payment amount will be shown on your statement XXXX weeks before due date. Which Current Balance : {$10000.00}. Then my tote to be Repaid change again to {$19000.00}. Then my last time logging into my account was in XX/XX/XXXX, On My XXXX My Account : Payment say : Next due date on N/A Status : Not Available : Current Balance : {$0.00}. LAST Payment Received : {$10.00} ( XX/XX/XXXX ). Now I can't log into my account on line. With Nelnet. I did not get any response or actions on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
I was in the hospital for XXXX in XXXX of XXXX. I've been trying to get XXXX to pay for this care. It is now XXXX of XXXX. The CBE group called my house and would not tell me who they were or the nature of the call until I gave my name and date of birth. Their phone number is XXXX. At present, I have 2 inspector general complaints to XXXX to pay these bills. I've resubmitted the bills for payment XXXX times-nothing has been done. Now this CBE group calls me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A card needed to be delivered to the address at XXXX XXXX XXXX, XXXX, IL XXXX on XX/XX/2023. I made multiple attempts to speak with a supervisor over XXXX days, but unfortunately, I did not receive a response. I made subsequent calls with the same outcome, and these interactions have been documented. In light of this, I reported the issue to CFPB. BMO proceeded to close the account and marked it as late. Despite this, I have yet to receive a call back from BMO 's credit card service. Additionally, BMO has opened and closed the account multiple times, resulting in several changes to the balance. I have attached pictures for reference. I reached out to BMO to dispute charges from a transportation company listed on my statement for {$1000.00}. The representative initially informed me that I was responsible for these charges. Consequently, I requested to speak with a supervisor. Eventually, a supervisor contacted me and expressed their apologies for the miscommunication with the representative. They promptly closed the card and assured me that another card would be sent to me. I NEVER received the NEW card!! This is fraud and a misuse of credit reporting. Under section 609 FCRA you are required to show me where the card was mailed! BMO removed the account and has it reporting to XXXX. BMO has broken FCRA Rules! I made multiple attempts to speak with a supervisor over two days, but unfortunately, I did not receive a response. I made subsequent calls with the same outcome, and these interactions have been documented. In light of this, I reported the issue to CFPB. BMO proceeded to close the account and marked it as late. Despite this, I have yet to receive a call back from BMO 's credit card service. Additionally, BMO has opened and closed the account multiple times, resulting in several changes to the balance. I have attached pictures for reference. I reached out to BMO to dispute charges from a transportation company that was listed on my statement for {$1000.00}. The representative initially informed me that I was responsible for these charges. Consequently, I requested to speak with a supervisor. Eventually, a supervisor contacted me and expressed their apologies for the miscommunication with the representative. They promptly closed the card and assured me that another card would be sent to me. I NEVER received the NEW card!! This is fraud and a misuse of credit reporting. Under section 609 FCRA you are required to show me where the card was mailed! BMO removed the account and has it reporting to XXXX. BMO has broken FCRA Rules!

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 2024-03-20 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: URS Holding, LLC
State: GA

Complaint narrative:
I recently checked my credit report and saw account reporting that I DO NOT recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: Absolute Resolutions Corp.
State: GA

Complaint narrative:
Consumer has a right to privacy. ABSOLUTE RESOLUTIONS CORPORATION ( ARC ), a debt collection agency, recently began contacting the consumer after acquiring ownership of a debt that consumer allegedly owed to XXXX XXXX XXXX XXXX. The debt collection agency was informed to cease and desist contacting the Consumer. ARC received communication from Consumer to cease and desist via USPS Certified Mail. Once the previous alleged contract with XXXX was severed which is the Consumer 's personal non-public information, any alleged contract became null and void. XXXX also accessed Consumer 's credit report without their written consent, authorization and/or permission nor any permissible purpose, which is a direct violation of the FCRA and FDCPA. ARC has accessed consumer 's personal information, credit file disclosures and even created an erroneous account with the Consumers personal identifying information, insinuating that they gave the Consumer some type of loan. The Consumer has NO obligation to this organization. The Consumer will be filing an Identity Theft Report with the Federal Trade Commission. Debt collectors should have been notified by XXXX that XXXX submitted cancellation of debt to the IRS, therefore any alleged debt has already been discharged, cancelled, and forgiven. ARC took it upon themselves to acquire a so called debt and stated in a recent letter that they were the owners of the debt. ARCs decision to acquire a credit profile was a choice of their own and Consumer never GUARANTEED any asset, note, or payment nor did they sign any contract with ARC. Consumer has suspicion of these XXXX companies, XXXX XXXX XXXX XXXX. and ARC to be committing TAX, SECURITIES AND TRUST FRAUD, therefore Consumer will be submitting FORM 211 INFORMATION REFERRAL AND FORM 3949 TO THE IRS for any account held in consumers name and social security number with ARC and/or XXXX. The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover any actual damages sustained by the consumer as a result of the [ violation ] or damages of not less than {$100.00} and not more than {$1000.00}. XXXX IS IN VIOLATION OF THE FCRA 15 USC 1681 CONSUMERS RIGHT TO PRIVACY FOR ADVERTISING AND SELLING CONSUMER 'S PERSONAL NON-PUBLIC INFORMATION. ARC IS IN VIOLATION OF FDCPA 15 USC 1692 A Consumer 's Right to Privacy by the reference violations mentioned above. Consumer has a copy of several credit file disclosures displaying the debt collectors accessing of the Consumers information without Consumers written consent. Consumer also holds denial letters and other evidence of harm caused by these companies negligence and willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
On XX/XX/2024 I sent a letter to ChexSystems to verify overdraft fee information provided by XXXX XXXXXXXX XXXX. I requested a signed original consumer contract, overdraft policy of XXXX XXXXXXXX XXXX including dates of overdrafts and fees. ChexSystems was unable to provide the above requested information to verify any outstanding debt. I do not owe any fees to XXXX XXXX XXXX. ChexSystems ' records are not correct!

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