vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Neighborhood Capital Funding, Inc.
State: AL

Complaint narrative:
What happen was I lost my job maybe XXXX  months or so but I been paying mortgage since maybe XXXX  mom and brother was living with me both passed so now I'm in a hardship and need help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX I didn't provide permission for this account to be reporting to my credit report please remove or i will seek legal compensation 3. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX  Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX  Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX  Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is an urgent notification letter that your company needs to pay more attention to, and provide fast resolution. Recently, I scanned through my updated credit report and I found some inaccurate and incorrect accounts on my credit report. As Ive said to you from my previous letter, I find these negative accounts so misleading because I have no memory of such charges and transactions. Kindly take this off now from my files. 

-- -- -TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX 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

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 2023-12-14 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: CITIBANK, N.A.
State: MN

Complaint narrative:
Prepaid for a XXXX car rental thru XXXX XXXX ( XXXX XXXX XXXX XXXX with XXXX ( reservation # XXXX ). 2 days into car rental, it broke and had to be towed away. XXXX did not provide a suitable alternative and we had to rent another car from a different agency. XXXX says we need to talk with XXXX XXXX and XXXX XXXX says we need to talk with XXXX. Nobody is helping so we disputed the charge. 

Spoke to a Citi dispute representative at beginning of XX/XX/2023 who said we need to provide proof of when the car broke and to request a partial refund because we did have it for 2 days. I sent all requested documents and Citi denied the claim saying I now need to provide proof of for the refund I will be getting. This makes no sense because I would not have disputed this if there was any communication of a refund.

It it is clear Citi 's policies are for merchandise only. You got the merchandise or didn't get the merchandise. In my case for Citi I had the car so there is no dispute even though it was for 2 out of 8 days. They have no policies to deal with partial services and care nothing to help resolve them. Their only concern is making the vendors they pay happy. I was instructed what to, followed it, and then as a result of following their instructions was told there is no dispute with out showing proof of a refund. This is a deceptive practice instructing a customer what they need and then using it against them. In my case it was telling them I had the car for 2 days and wanting partial refund. They don't do partial refunds or advocate in anyway for services partly provided. I need either a partial refund of {$390.00} ( 5 days not used ) or the full refund of {$620.00}.

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 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd.
State: OH

Complaint narrative:
I told Collection Bureau of America that this was not my account and I was a victim of identity theft. They did not send me a collection notice in writing to my home address in XXXX where Ive resided since XXXX but instead apparently mailed it to the address where the THIEF that stole my identity resided. Theyre now reporting this derogatory information to the credit reporting agencies. Theyre BLATANTLY not following FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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

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 2023-12-14 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: TX

Complaint narrative:
To whom it may concern, This is XXXX XXXX XXXX. I had a transaction made on XX/XX/2023 at XXXX XXXX furniture in XXXXXXXX XXXX. Due to dishonest and scamming of XXXX XXXX furniture, I have filed the dispute with Chase which is the credit card company I use. The dispute was filed in XXXX but it got re-billed under my credit card again. I wrote a letter to appeal for myself but it got denied which is not acceptable and unfair. 

On XX/XX/2023, I walked into the store to look for a set of sofa. After a long search in the store, I found XXXX that would fit my house. I asked the store manager about the warranty, and he told me they dont provide warranties because they are confident about their products. He also mentioned they are very responsible and will take care of my needs. 
Upon payment, they had me sign a piece of paper which I thought it was a receipt for confining delivery address and purchase amount. Later-on on the delivery date, I realized how bad their quality is and I requested XXXX replacements but I kept receiving either broken sofa or stains on the sofa ( I have all the pictures as evidence ) then I requested a refund. XXXX XXXX XXXX  told me they do not refund and it is written on the paper which they had me sign but never went through details with me trying to cheat me. If I knew this in the beginning, I would not purchase anything at XXXX XXXX XXXX. They were trying to hide those unfair policy. 
I have given XXXX XXXX XXXX  chances to make things right, but they refused to communicate. The manager and salesperson have been very rude and uncouth to me. My wife and I are very disappointed on their service and quality of product. 
Also, during the delivery, they scratched my wood floor and they refused to be responsible for it. Their policy is to try to cheat and take advantage of customers. It is unacceptable. 

The store is a fraud and scam to take advantage of customers and I was XXXX of their victims. That's why I decided to do a dispute through the credit card company which is Chase. Chase rejected my dispute for no reason and refused my appeal. It is not fair to me as a customer using credit card to pay because I trusted Chase would protect their customers. Chase is helping stores cheating customers. 
I am filing this to fight for my rights. No one should be treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report 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 2023-12-14 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: WA

Complaint narrative:
Failure to removed the XXXX XXXX account that was verified as identity theft.

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 2023-12-14 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans union is reporting a score thats XXXX points lower than the other credit unions. This just happened while I was trying to get a loan. It cause my rates to go up. I want solid reasons why someone changed my score for absolutely no 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 2023-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
My XXXX loan account is on a payment pause while they process my income driven repayment plan, meaning no payments are due. 
I decided to make voluntary payments while my account is in an administrative forbearance. 

I received a statement dated XX/XX/XXXX from Nelnet stating {$100.00} would be autodebited from my account on XXXX. It shows no past due amounts, and my last payment of {$140.00} was paid on XXXX. It also states that my regular monthly payment is {$100.00}. 

They autodebited {$750.00} on XX/XX/XXXX. No authorization, no advanced warning, no communication from Nelnet whatsoever since the statement on XX/XX/XXXX. 

I can not get through to a representative by phone and they have not answered my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please review the attached documents. I am urging the bureau to initiate an investigation into these accounts where I have a perfect payment history but am being wrongly reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # 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 602 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 2023-12-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: LEXISNEXIS
State: ND

Complaint narrative:
I did not give this company the right to do background checks. 
and I do not know who is put in my public record, what is this company doing in my public record share my information with who. 
All I know is that the company monitors people. 
I am very concerned about the existence of this company me public records in my account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Refer to the attached documents. I request an investigation into these accounts where I have never been late but am being reported as such.

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 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
NOTICED ERRORS AND VIOLATIONS MY ON CONSUMER REPORT AND MADE CREDIT COLLECTION SERVICE ( A 3RD PARTY DEBT COLLCTOR ) AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. CRDIT COLLECTION SERVICE WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 120 DAYS PAST DUE AND UNCOLLECTABLE AND IS ENTITLED TO DISCHARGE BY FOR OF

A 1099-C 2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT FALSE AMOUNT OF {$900.00} IS OWED. 3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XXXX of XXXX, my employer wrote me a check for {$5000.00} as a personal loan. I deposited the check into my checking account with Chase Bank on XX/XX/XXXX. Chase never released the funds to me. They claim they need to verify that it's authentic but it's been almost a year and I still do not have the {$5000.00}. My employer called their bank XXXX XXXX  XXXX XXXX XXXX and said that it's Chase 's responsibility since the check was cashed. I will include screenshots of the cashed check. When I asked for the status of the " verification '' they said they are calling the owners of the business. The owner of the company I work for, New Standard Building Materials, never received a phone call. Chase will not release who they are calling. This checking account I had with Chase was receiving bi-weekly payroll amounts from this same checking account with XXXX  XXXX XXXX so I'm not sure how this would be fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I originally submitted a claim through the CFPB for the same purpose. In the response call, the Bank associate who handled my case did not adequately address my concerns. She only discussed the denial of a credit limit increase. I am concerned, however, that the way that the credit card application was presented to me was misleading. It was shown that I would have an opportunity to transfer a balance to this card for a certain period of time and that the balance transferred would be subject to 0 % APR financing. During the application, there was a question which asked me what amount I would like to transfer, and I indicated that I wanted to move about {$10000.00} to this card. After about 45 seconds, I received a decision from the online portal that the card was approved with a credit limit of {$500.00}. Now, I have a card that I didn't really want in the first place to which I can't even transfer my balance from another card ( as suggested in the advertising ). I am arguing that the language used in the advertised offer was intentionally deceptive and was used to coerce me into opening the card.

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