vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 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: IN

Complaint narrative:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2023-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. 
I would like for the company to delete all references to the account from my profile within 15 days. 

Tracking number for 1st letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint stole my identity and is attempting to collect on a debt not owed. An Identity Theft Report submitted to the IRS on XX/XX/2022, is attached. Shellpoint is using my identifying information without my express authority. 

Shellpoint failed to initiate a proper investigative consumer report before alleging any debt owed and before reporting said debt to the consumer reporting agencies. This is a {$1000.00} fine per month since Shellpoint appeared on the credit reports. 

Shellpoint is violating my right to privacy. I did not provide them any signature to authorize any consumer reporting. This is a {$1000.00} fine per month since Shellpoint appeared on the credit reports. 

And, Shellpoint is violating the exclusion section of the Fair Credit Reporting Act. This is a {$1000.00} fine per month since Shellpoint appeared on the credit reports. 

I have been wronged. 

I have been injured. 

I require remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2023 a hard inquiry was made on my credit report for a JPMCB Card. A card was opened under my name on XX/XX/2023 with an account balance of {$210.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: GA

Complaint narrative:
I have asked Experian numerous times to update my name. My name is XXXX XXXX. 

Please delete the following names that do not belong to me : 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 2023-10-30 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: GA

Complaint narrative:
I have previously disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with Experian, XXXX, and XXXX and in response they verified the item as accurate stating that have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Please delete.

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Interest rates keep climbing without notice. Cannot paid balance down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rosebud Economic Development Corporation
State: NY

Complaint narrative:
They send mail to an address that I was not living at for some years as I took the card out in college I was not notified that action would be taken in 2006

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 2023-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
XX/XX/XXXX Registered Mail ( RE XXXX XXXX XXXX XXXX ) was sent out to XXXX XXXX Senior Chief Securitizer/Treasuer for Bridgecrest Acceptance Corporation ( XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ) the registered mail was valued at {$100.00}, XXXX. It contained my securties, IRS tax forms, and a letter of instructions. The instructions was not followed by XXXX and he forwarded my securties, IRS tax forms, and letter of instruction to the customer service department. Customer service sent my securities, IRS tax forms, letter of instruction back Certified mail ( XXXX XXXX XXXX XXXX XXXX ). XX/XX/XXXX, I sent a second registered mail ( RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ). It contained my securities, IRS tax forms, and another more detailed letter of instruction. XXXX knowing and willingly forwarded my securities, IRS tax forms, and letter of instruction to the customer service department. I have attempted to contact XXXX via phone on several occassions ( XX/XX/XXXX XXXX and XXXX XXXX, to no avail. My securities, IRS tax forms, and letter of instruction was mail back to me first class mail, folded up in a small envelope. Stating Bridgecrest Acceptance Corporation couldn't fulfill my request, because I sent the second registred mail from my business address and not the address on my contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX I visited the XXXX under the XXXX XXXX while holding a XXXX visa, during which I got my SSN. Throughout my time in the country, I diligently safeguarded my SSN. However, on XX/XX/XXXX when I returned to the XXXX with the intention to work and opening a bank account ( and applying for credit card ), I decide to examine my credit report with XXXX, and the findings were profoundly unsettling. It became apparent that an individual had illicitly accessed and misused my personal information, including my SSN. I have a detailed report from XXXX with all bank accounts and credit cards, which have been opened for my name and SSN. There is a wrong Year of Birth connected with this fake account. There are fraudulent accounts in my name and associated with my Social Security Number ( SSN ) within the credit reporting agencies XXXX, XXXX, and TransUnion, complete with fabricated credit reports. 

There are fake bank accounts and credit cards : - XXXX XXXX  credit card opened XX/XX/XXXX - XXXX XXXX credit card opened XX/XX/XXXX - XXXX XXXXXXXX credit card opened XX/XX/XXXX - XXXX  XXXX credit card opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX credit card opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX credit card opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX XXXX XXXX credit card opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX XXXX - XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX ) - XXXX XXXX XXXX  opened XX/XX/XXXX ( contact number is 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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I am the victim of identity theft. On XX/XX/2023, I received notifications from XXXX, Chase Credit Journey, and XXXX XXXX XXXX XXXX that a hard inquiry had been placed on my credit files on XX/XX/2023, by JPMCB Card. I confirmed that hard inquiries were placed my XXXX and XXXX credit reports. I never authorized these inquires. I contacted Chase Fraud Services on XX/XX/2023. I was informed that someone had applied for a Chase Freedom credit card. This was a fraudulent act that was unauthorized by me. Chase informed me that the fraudulent application had been denied. The reference number provided by Chase is XXXX. Please see the attached identity theft protection kit from Chase dated XX/XX/2023. I placed fraud alerts and later security freezes on my XXXX, XXXX, and XXXX credit reports. On XX/XX/2023, I discovered that XXXX XXXX number XXXX was fraudulently added to my XXXX and XXXX reports. Chase informed me that the fraudulent application used my former address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX ( a secure apartment building ; the mailbox must be opened with a key ) which is presently occupied by XXXX XXXX XXXX according to voter registration records. I did not, nor did I ever authorize anyone to apply on my behalf for a Chase credit card, loan, or credit line on or about XX/XX/2023. To be clear : the credit card application submitted to JPMorgan/Chase on or about XX/XX/2023, was fraudulent and unauthorized by me. The application was submitted as a result of identity theft. By letter dated XX/XX/2023, which is attached herewith, I requested that Chase forward a copy of the fraudulent application to me pursuant to the FACT Act. My request included a copy of my state drivers license, and an initial identity theft report filed with the Federal Trade Commission. My XX/XX/2023, letter was mailed on XX/XX/2023, via certified mail to the address listed on page two of the attached Chase identity theft protection kit. The certified letter was delivered to Chase on XX/XX/2023, according to the USPS. A certified mailing receipt from the USPS and delivery confirmation information from the USPS website is attached with my XX/XX/2023, letter. I have contacted Chase several times via telephone and email concerning this issue. Chase has yet to acknowledge receipt of my XX/XX/2023, letter, much less send me a copy of the fraudulent application. The application is needed to aid in prosecution. I have attached an updated report filed with the Federal Trade Commission and a report I filed with the FBI XXXX XXXX XXXX XXXX. This is a very serious matter that requires expedited processing. I need a copy of the fraudulent application to be tendered to me forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: EQUIFAX, INC.
State: NM

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to you today about my most recent issues with my Financial Institution, Pentagon Federal Credit Union. My issues specifically involve their XXXX XXXX 

I had a horrible experience with my original mortgage closing and ended up having to pay some of their closing costs for them. Luckily, I had an extra {$3.00} XXXX dollars available to cover the costs they should have paid. They did eventually reimburse me but only the money not the use of it or the lost time. It was actually the third closing date they missed the first two. My lawyer said it was the worst closing he had ever seen and would never do business with them again. I complained to the Consumer Financial Protection Bureau but to no avail. Even though they admitted to fouling everything up nothing happened. 

So, shame on me when they offered to refinance my home and lower my payments in late XXXX  I foolishly took them up on their offer. Six months later I received a correspondence from XXXX who held the insurance on the property that they had not been paid in several months. Now this was not my issue in the since that it was coming out of my escrow but of course I did not want the insurance on my home cancelled. I contacted PenFed and they tried to blame it on a subcontractor and it was going to take forever to get the payment. So, once again I was forced to pay PenFeds bills for them but this time there would be no refund.

PenFed agreed that they should have paid the insurance but did not. Now they claimed that they had not held back enough funds to cover my escrow and they raised my mortgage. Now I know that escrow can change but only when taxes change or insurance rates go up. Neither of these happened. Instead PenFed apparently made an error figuring out the mortgage and now they just raised my mortgage. 

I tried to explain that we had a contract and you just can not arbitrarily change the rates. I finally escalated to, XXXX XXXX XXXX, XXXX of the Board of Directors. He apparently does not see a problem with this strategy. I asked if I could arbitrarily change the rates downward and was told no if I did not make my payments they would foreclose. 

Im a little bit baffled that a financial institution the size of PenFed would not have a better grasp of business. They are either totally incompetent or just dishonest.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, Please unlock my account so I can lock in, freeze, and unfreeze my account, as well as get credit reports. 

I have called numerous times, and no one can resolve my issue. 

Attached to this complaint are : drivers license social security card address complaint letter screen shot of what I see You need to have this resolved once and for all as this is ridiculous.

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
In XXXX I was notified by one of my credit tracking agencies that my credit score was being adversely affected due to the closure of one of my credit cards. The card identified was my TJ Maxx Card. I received no notification from TJ Maxx. I contacted TJ Maxx and asked and they confirmed that the card had been closed. I asked why and they said because it had not been used for a certain period of time. I asked if they had tried to notify me and they said " no '' that was not their policy. I explained that I had just moved that month and was now near a TJ Maxx store. While their card can be used outside their store, I typically just used it at their stores. Prior to XXXX I lived in a small town in XXXX and there was not a nearby store. I actually still have several hundred dollars in TJ Maxx gift cards I need to use. I mentioned that my other cards all contact me about usage and allow me time to use the card to keep it active. They said that was not their policy. My card indicates that the card does not expire until XX/XX/27. 
I actually like their stores and I'm not sure why they would treat a loyal customer this way. I think it is extremely poor business. Aside from that it has affected my credit score in a negative manner with no notice or opportunity to correct the 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 explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I missed a phone call from a number that I did not recognize. This number was XXXX. I called the number back when I saw it on my cell phone later. There was an automated message stating that the call is being recorded and then a lady answered, gave her name, and asked for my name. Since they had originally called me, I did not think that I should have to give my name. I asked the name of the company and she said " Spring Oaks Capital ''. I asked what kind of company this is and why are they calling and she declined to give me any information unless I give her my name first. I do not want to give my name to a company without knowing what the nature of the call is. This sends up red flags in my mind. I googled the company and found out that it is a debt collection company. I know that I don't have any unpaid or slow debts so I immediately got worried and ordered copies of my credit reports. All is clear, thank goodness. I do not know how this company obtained my personal cell phone number but I do not want to receive calls from any type of debt collection company. This reeks of a scam to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: HW Holding, Inc
State: IN

Complaint narrative:
I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have a debt on my account for XXXX $ for a credit card for XXXX XXXX. they said i was authorized as a user but I NEVER DID THAT OR APPROVED THAT. please remove this from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have a debt on my account for XXXX $ for a credit card for XXXX XXXX. they said i was authorized as a user but I NEVER DID THAT OR APPROVED THAT. please remove this from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: MOHELA
State: CO

Complaint narrative:
I called in to Mohela around XX/XX/XXXX because my loans were put into deferred status without my consent. After two hours I was able to speak to someone. The first time I called in, I waited two hours only to be hung up on.

I am on the Save plan and I want to begin paying so that the accrued interest will be forgiven each month rather than piling on while deferred. They said they would submit a paper to complete my request. 

I just got a notification on XX/XX/XXXX saying this request has been delayed and would take up to 90 business days. I will be accruing thousands of dollars of interest during this time due to my loans be placed in a deferred status I never wanted in the first place. I want to pay my loans!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation