vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
This is an addition to a complaint that Ive already submitted ( XXXX ). Please help. I shouldnt owe this amount of money. XXXX is definitely not part of anything if they were paying them? I have a recent paper here that states I owe $ XXXX not $ XXXXmy pay off was $ XXXX in 2011 when starting the bankruptcy. I made every payment on time throughout then after for 7 years! This is definitely wrong and theyre all robing me! Also I received a paper that states that if I pay a regular mortgage payment that it will be in a suspense account until the full $ XXXX is paid. This is wrong!! Please help. Im adding what I could find. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
No action has been take and I sent off my letter a week ago

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: OH

Complaint narrative:
No action has been take and I sent off my letter a week ago

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 2024-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
15 USC 1692c is a fair debt collection law that prohibits phone calls at certain dates or times, and at certain places1. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt2. A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error3.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: MD

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Experian, and XXXX are consumer reporting agencies, and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared, and that right is guaranteed to me pursuant to 15 USC 6801 ( a ) which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, Experian, and XXXX never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I am XXXX XXXX XXXX and I have never had a auto loan for a vehicle ever, my mom and dad have always purchased my cars cash and advise me to stay away from Loans, so this account is date shown that is was open was XX/XX/year> and yet I have filed dispute after dispute and yet have had this inquiry that I have any awareness of removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: IN

Complaint narrative:
I just reviewed my credit and found a lot of inquiries I did. not unauthorized. 

the inquiries are the following. 
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 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

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 2024-06-23 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: LA

Complaint narrative:
I do not recognized these credit inquires and I have asked for them to be removed and the bureaus did not do as I asked. I'm providing an identity theft report which I will attached to this. I'm requesting for them to be removed because they are inaccurate and are not mine.

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 2024-06-23 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: IA

Complaint narrative:
On XX/XX/year> I noticed several transactions on my checking account I didn't recognize and called Chase to report the charges. They immediately closed my debit card and the representative submitted a claim on my behalf totalling {$950.00} between the dates of XX/XX/XXXX and XX/XX/XXXX of this year. The claim was opened on XX/XX/XXXX and closed 2 days later. I was not contacted by Chase at all and have been without access to the funds still in my account, as Chase wouldn't allow me to use my digital debit card that was added to my account the day after the claim was filed and I still don't even have the new physical card. Chase representatives kept telling me for days I couldn't use the digital debit card because there was fraud on my account, which makes no sense since they denied my claim of fraud! 

I am a single mother of XXXX children. I don't have a lot and {$950.00} might not seem like a lot, but this has caused me to miss a mortgage payment and now my car payment. I had to borrow cash from a friend just to feed my kids over the last week. 

Someone has stolen from me and I can not make it much longer without that money. Everyone at Chase has given me the run around and says the chip was used to make the purchases, so I made the purchases and if it wasn't me to file a police report. I did attempt to do this but was advised there's no proof it wasn't me and I don't know who it was so they can not file a report. 

I've spent countless hours on the phone trying to get someone to listen and all Im told is I need to provide proof. 

I'm desperate for someone to help me and I don't know where else to turn. Please help me get my money back. I'm on the verge of losing my house and can't pay any of my bills or even buy food for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
On XX/XX/2024, I received an email from Midland Credit Management claiming I owe a debt. I have never heard of this company and do not recall any such service. 

I immediately disputed the debt in writing and requested verification documents, including a copy of the contract and any documentation showing my agreement with the service. Despite my request, Midland Credit Management sent a threatening letter via XXXX on XX/XX/XXXX stating their intent to sue, without providing any validation documents. 
Disregarded my cease and desist request and contacted me twice in one day and again on XX/XX/XXXX. 

These actions violate the FDCPA by contacting me after I disputed the debt in writing and requested verification. Using threats of legal action to collect a debt and failing to provide verification of the debt upon request. 

I request that the CFPB investigate Midland Credit Management 's debt collection practices and take appropriate action to ensure they comply with the FDCPA. Specifically, I request Midland Credit Management cease all collection efforts for this alleged debt. Midland Credit Management verify the deletion of this debt from my credit report and provide documentation of such deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: NC

Complaint narrative:
On XX/XX/XXXX, I sent an investigation letter via certified mail ( XXXX ) regarding a 30 Day Late Payment reporting on my XXXX XXXX account ( XXXX ). This is inaccurate and should not be reported as I had previously entered into forbearance during that time. On XX/XX/XXXX I received notification from the Experian credit bureau stating that the account was properly investigated and reported as accurate but how is that possible if the date of delinquency is inaccurate and inconsistent across the 3 credit agencies? Attached please find supporting documents to my claim.

Additionally, this late payment is in violation of 15 USC 1681s-2 ( F ) and 15 USC 1666b therefore it should be updated to report as ON TIME and the 30 Days Late removed. As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ). I request that you conduct a thorough investigation into this late payment to verify its accuracy. If this late payment can not be verified, it should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). The FCRA grants me the right to request the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Enclosed please find communication from the creditor, XXXX XXXX, verifying my forbearance in XXXX and noting my due date for the next payment would be XX/XX/XXXX. I would like swift and immediate action to correcting this as inaccurately reporting on my credit report has disproportionately impacted my financial stability over the past 4 years.

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 2024-06-23 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: OH

Complaint narrative:
No action has been take and I sent off my letter a week ago

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 2024-06-23 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: SC

Complaint narrative:
After several disputed via Cfpb Transunion continue to report fraudulent information on my credit report. For years now I have had this account reporting fraudulent and it continues to hurt me financially please complete a REAL investigation into this account so it can be removed I would like all documents with dates and wet signature and pictures and audio when this account was opened I would also like to see when and where this transaction took place because I have never did any business with northstate acceptance and I need this information to take to my local authorities as well to press charges on whoever this person was that used my information. If this information can not be produced I would ask that you please remove this account because it is the credit bureaus responsibility to make sure everything is 100 percent accurate according to the law. I do not want Transunion to just ask the creditor to verify accuracy I am asking they investigate and send me the documentation and if unable delete this account immediately for identity theft and failure to conduct a proper investigation all the other times Ive sent complaints via Cfpb about this same situation

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 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In interstate felonious organized criminal activity, Citi Bank is fraudulently charging me for a charge I did not make because my credit card was stolen. They simply decided I must be a subhuman of the wrong race - and thus I deserve to be criminally stolen from. This is so despicably sick and disgusting. I have a police report documenting my credit card was stolen by criminal actors. However, Citi Bank is now dabbling into criminal wire fraud because they think this makes more money now.

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 2024-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: WV

Complaint narrative:
I have been trying to reach this company about receiving an application to apply for temporary relief from mortgage payments due to XXXX XXXX XXXX XXXX XXXX. Ive tried to apply online, but have never been allowed to go online to do so. Ive asked for an application. Nothing. Then, in the wee hours of this morning, under cover of darkness, a letter from this company is taped to my door. 
I dealt with this company a year ago, and during the course of a loan mod, and in violation of the Frank Dodd act, utilized dual tracking and continued with foreclosure. Their claim was that I had not sent in the award letter for unemployment. I had sent it multiple times. With the help of WV state agencies, this was avoided. I also made a complaint to a state senator about the behavior. I am XXXX XXXX  citizen who lost a full time job due to a XXXX XXXX XXXX. The employer involved has refused to pay. I am currently on social security retirement and a XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I need help from the CFPB in effectively communicating with this corrupt company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: IL

Complaint narrative:
I provided them proof of the incorrect information on my report to them and asked them to deleted it for incorrect reporting.

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 2024-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
asked for a settlement offer, company refused

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 2024-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I was the victim of identity theft wherein someone took out {$460.00} of debt with XXXX XXXX XXXX in my name. It was evidently sold off to Credence Resource Management LLC. They never once contacted me to verify my identity on the debt, never sent me a letter, etc. Instead this company sent this debt into collections and reported it to the credit reporting bureaus. My credit score has dropped XXXX points as a result of Credence aiding and abetting this fraud against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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 under 15 USC 1681. 


1.XXXX  # XXXX, has violated my rights. 
I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 

According to the fair act 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 according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes 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 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Care credit advised me that they were lowering my XXXX available credit limit to the exact amount owed, two months prior to my XXXX interest promotion was ending. 

I asked them to increase it to the expected interest amount, and they refused despite my 100 % payment history with all of my creditors. 

This means that as of this month, all interest has become due, and they are now charging overage fees, and have reported to the credit beurous, damaging my credit. 

I have always been on time and feel that their tactics are predatory. I do not have the money to bring it down faster than my standard payment.

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 2024-06-23 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: IL

Complaint narrative:
I asked them to explain how they verified 3 different dates that was reporting on my account, then I asked them to please delete them. they didn't comply with the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: MS

Complaint narrative:
I bought a Netspend credit card and deposited over {$2000.00} on the card to buy a vehicle the employees all XXXX XXXX deactivated my card are will not allow me to access the funds. They claim possible fraud is at play I think they simply stole my money

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