vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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: AZ

Complaint narrative:
Department of XXXX, account number XXXX XXXX u.s.c. XXXX XXXX A. XXXX I have the right to privacy. 
XXXX u.s.c. XXXX Section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX u.s.c. XXXX. ( a ) ( XXXX ) XXXX XXXX no consumer agency XXXX make any Consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than XXXX years. 
XXXX XXXX ( A ) ( XXXX ) 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 2024-03-28 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, I was charged for an autorenewal by XXXX XXXX, for XXXX. I was not provided with prior notification that they would be autorenewing the subscription prior to the charge and when I attempted to cancel on XX/XX/XXXX when I was notified by them that they were autorenewing. I had not used the service in over a month. I did not receive prior notification about the renewal via my text messages, email or in the XXXX app itself prior to the charge being made. 

On XX/XX/XXXX I contacted XXXX XXXX with XXXX customer support who refused to reverse the charge. 

On XX/XX/XXXX, I opened a dispute with Chase over the unauthorized transaction. Chase opted to consider it a valid charge in spire of FTC guidance that companies are required to send notices prior to charging customer cards. 

XXXX XXXX XXXXsubscriptions I received no benefit from the payment, nor did I authorize it. I would never have created the account had I been informed ahead of time that there would be no notice provided prior to a renewal in light of the company not providing partial credits for canceling prior to the end of the subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Last month, on XX/XX/XXXX, I purchased a XXXX vehicle. They ran my credit twice on the same day, appearing twice on my credit report : XXXX from XXXX XXXX, the local dealership, and the second from American Honda Finance. I tried contacting XXXX, but they could not help me, so they instructed me to contact XXXX. 

A similar thing happened last XXXX when I was looking into purchasing a home, and my credit was run twice by different Mortgage companies. This situation has significantly affected my XXXX XXXX since it now appears that I have had XXXX hard inquiries in the last XXXX years instead of the XXXX times that really happened. 

I have copies of my credit report as of today, XX/XX/XXXX, if needed. 

I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX a vehicle I purchased at XXXX XXXX  auction XXXX XXXX XXXX broke down while I was driving on the expressway. I had to get it towed from the expressway to the tow yard then XX/XX/XXXX I had to get the vehicle towed from the tow yard back to the dealer XXXX XXXX  auction and now they allegedly fix the problem but now they trying to have me pay for it turns out, they fixed it but the vehicle still wont turn on now they want me to tow it to another shop to get it fixed and make me pay for that. I contact the finance company. They asked me to ask the dealer to get me the diagnostic report I asked the dealership for the document, they only send me pictures they not willing to send me the paperwork and this is all while it has not been a whole month since I purchased the vehicle on XX/XX/XXXX I paid for the towing I paid for the oil change, and I paid for the XXXX new tires that I put on there all within almost month of me purchasing this vehicle The documents I have sent is the conversation with me and the person that has sold me the vehicle at the dealership at XXXX and also the other documents shown shows what Ive been paying for within the month of me get in the vehicle as well as them telling me to hurry up and pay my first payment on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
REQUESTING EVIDENCE OF ENTITLEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXXXXXX XXXX XX/XX/XXXX SHELLPOINT MORTGAGE SERVICING, ADIVISION OF NEWREZ XXXX XXXX XXXX XXXX, SC XXXX Subject : Demand for Proof of Claim Regarding Mortgage on XXXX XXXX XXXX XXXX, XXXX Fl. XXXX, Account No. XXXX Dear Shellpoint Mortgage Servicing, I XXXX XXXX am writing to you, hereinafter referred to as " the Mortgagor, '' concerning the property located at XXXX XXXX XXXX XXXX, XXXX Fl. XXXX, associated with account number XXXX. Your agency under XXXX XXXX XXXX XXXX XXXX XXXX CASE NO. : XXXX has initiated actions to collect and possibly foreclose the aforementioned property without providing adequate proof of your legal entitlement to do so. 

Under the principles established in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), the U.S. Supreme Court held that the note and the mortgage are inseparable ; the former as essential, the latter as an incident. Without the note, a mortgage foreclosure proceeding is baseless. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, underlines the necessity for clear evidence demonstrating the chain of title and the rightful ownership of the note and mortgage at the time of foreclosure. 

Given these precedents, we hereby demand that your agency provide the following documents forthwith : Certified Copy of the Original Mortgage Agreement : Including the Mortgagor 's signature, as proof of the debt and the terms agreed upon. 

Assignment Documentation : Clear and unambiguous  evidence of the lawful assignment of the mortgage to your agency, including any deeds of assignment and notices of assignment compliant with the Uniform Commercial Code ( UCC ), Article 9. 

Proof of Ownership of the Debt : Documentation that clearly shows your agency as the current holder of the debt and, therefore, entitled to enforce the mortgage against the Mortgagor. 

Your failure to respond satisfactorily to this request within XXXX ( XXXX ) days will leave us no choice but to consider your claims as baseless and potentially fraudulent. We are prepared to take all necessary legal action to protect the Mortgagor 's rights and interests, including but not limited to, filing a complaint for damages due to any unlawful collection and foreclosure practices you engage in. 

We expect your cooperation in this matter and look forward to your prompt compliance. All communications should be directed to the undersigned at the address provided above. 


Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to emphasize that the inclusion of XXXX reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the XXXX XXXX XXXX. This statute, which is part of the XXXX 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 XXXX  from this precise reporting not only XXXX  my financial integrity but also violates the legal protections afforded under this statute. It is XXXX XXXX XXXX this situation promptly to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am currently in the process of buying a house. This whole ordeal is stopping me from doing so. All calls are recorded so no one can say that I was being rude to them. On XX/XX/XXXX I tried to resolve this issue with the department of education and Equifax credit. Equifax credit refuses to delete a account that they claim is in collections. The department of education and XXXX XXXX XXXX, have sent me letters showing that not only is the account in good standings but it also has a XXXX balance. My XXXX loans have been forgiven under Federal regulations because I am a XXXX XXXX XXXX  veteran. XXXX and XXXX have already deleted the accounts off my credit as of 3 years ago when I started this whole process. Equifax credit not only refuses to accept my proof, that the debt should not be there, but they also refuse to give me a valid email address to send the proof to. Equifax credit also refuses to believe what the department of education is telling them. I originally spoke to XXXX, who in turn let me speak to XXXX, who is apparently the supervisor, and I also spoke to another supervisor named XXXX who would not only listen to what I was saying but was being extremely rude as well. Equifax is a horrible company, by far the worst out of the XXXX credit bureaus. 
My next step is to get a lawyer involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I fell behind on my payments and contacted the bank to request assistance. I was advised to apply for a modification, which I did in XXXX of XXXX. After several applications and inches of documentation sent, I was notified on XX/XX/XXXX, that my modification was not approved due to title issues. When I called to request information for a remedy the representative told me to call the county clerks office. I called back and spoke to someone in consumer lending who told me that my home equity was charged off in XXXX of XXXX. At that time, I had taken advantage of the forbearance that was offered to me. Upon loan reinstatement, the Home equity loan was showing on my statement as part of the modification balance. I never received separate billing or any calls, letters, anything. 
The agent I spoke to asked me if I wanted to set up a separate payment plan for the home equity loan. I asked why, if this was included on my statements as part of the modification from reinstatement after the forbearance. I was told that's what is required. 
I don't think he actually knew and was brisk and did not offer to get me to someone who could help me. 
Throughout this process, I have not received regular mortgage statements, but have been making payments including a lump sum payment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: AL

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XXXX XXXX I sent {$4000.00} USD to a XXXX XXXX XXXX in XXXX. She was working for a XXXX XXXX XXXX XXXX XXXX. The money was for a XXXX XXXX. 
XXXX XXXX XXXX did not have the proper identification to receive the money from PayPal. I filed a dispute with XXXX XXXX, which put the money back into my account. So, I sent the money via XXXX XXXX to another individual at the XXXX XXXX so that it was available for XXXX XXXX. Here 's the problem, PayPal will not refund the {$4000.00} USD. I have spoken to several supervisors and always gotten excuses to not return my {$4000.00} USD. About two months ago, I spoke with a supervisor at PayPal named XXXX, she told me to send a document that XXXX XXXX  has closed the dispute and she would personally have my money returned ; I did that and no money returned. 
I then called PayPal and spoke with another supervisor named XXXX, he is now telling me that I need to contact XXXX XXXX XXXX and have her contact PayPal and have them return it from their end. I do not have contact information for her to do this. I made this know to XXXX. He said he couldn't help me. I lost my composure and hung-up on XXXX. Before I did I told him I was going to hire an attorney. But, as we know getting one to go against a company like PayPal is impossible. 
Also, every supervisor I spoke with, I requested to speak with a manager and was refused??? 
I am at my wits end with PayPal as they keep making excuses to not return my money. I even told them to return it and charge me a return fee ; that option was not available PayPal has successfully destroyed my banking with XXXX XXXX. I have had to use another bank to conduct my personal affairs. XXXX XXXX  has closed my checking account, they also want me to pay over {$3100.00}, I had over {$800.00} when they debited my account for over {$4100.00}. 
So, I am appealing to you for help in recovering my {$4000.00} USD  from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

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.

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 2024-03-28 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: FL

Complaint narrative:
This is Not my. Debt please send me the original. Documents and copy. Of identification of proof. Please. Deleted off of my credit report asap 15 U.S.Cs 168 federal credit reporting act n accordance with the Fair Credit Reporting act PORTFOLIO RECOV ASSOC Account number XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I looked up my credit report and several activities appeared that I don't know about.

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 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Application was denied again. Company pulled my credit report and was denied due to the information is not matching on my credit report and my credit report is update and never lived another address or lied on my application and I think there a glitch with my application and I wanted to be review by a human rep and have them send me a verification code or something to approve me for this application. It was pulled on my XXXX credit report today XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
The background check, said I was a federal criminal. And ruined my employment. The information does not exist. The dates are wrong. The location named were XXXX XXXX XXXX XXXX XXXX, XXXXThis never existed. XXXX, XXXX is not available.Thia information is out dated, and over ten years old, and should not be in the background report.there was some wrong information about XX/XX/XXXX in the report. The information stated that I was a XXXX XXXX. In XXXX, tx. This information is not true, and it's older than 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I was told on a phone call last year with best buy citibank card services that my 0 % apr promotional period extended through the end of 2024. I have auto pay set up on my card so it took me 4 months to realize I had started accruing interest earlier than I was promised. Upon calling in to card services today and escalating to a manager named XXXX, we were told they did not have records of this call and refused to forgive the interest accrued despite promises to pay the amount owed in full immediately upon forgiveness of interest. This is a fault of citibanks record keeping and I have now been lied to and taken advantage of by bestbuy card 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 2024-03-28 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: FL

Complaint narrative:
I have my name and address that I want to correct on your report. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX Florida 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 2024-03-28 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: TN

Complaint narrative:
On XX/XX/2024 I submitted a notarized letter to XXXX directing them to remove all old address, incorrect name, and outdated telephone numbers from my credit file. I included with the letter, documentation to prove my identity as well as to coincide with the request in question. I contacted the XXXX Police Department on XX/XX/2024 about a case of identity theft at the address listed on my request to XXXX and a report was created for identity theft. I followed all proper procedures and policies to get XXXX to remove the old ( outdated ), inaccurrate, incorrect, and fraudalent information from my credit profile ; but to no avail. The fraudalent information is still listed on my credit file and is causing me undue harm and financial hardship. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. section 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). My identity was compromised in the XXXX data breach, and its the ( CRAs ) responsibility to correct erroneous errors which cause harm to the consumer.

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 2024-03-28 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: TN

Complaint narrative:
On XX/XX/2024 I submitted a notarized letter to XXXX directing them to remove all old address, incorrect name, and outdated telephone numbers from my credit file. I included with the letter, documentation to prove my identity as well as to coincide with the request in question. I contacted the XXXX Police Department on XX/XX/2024 about a case of identity theft at the address listed on my request to XXXX and a report was created for identity theft. I followed all proper procedures and policies to get XXXX to remove the old ( outdated ), inaccurrate, incorrect, and fraudalent information from my credit profile ; but to no avail. The fraudalent information is still listed on my credit file and is causing me undue harm and financial hardship. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. section 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). My identity was compromised in the XXXX data breach, and its the ( CRAs ) responsibility to correct erroneous errors which cause harm to the consumer.

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