vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XXXX XXXX XXXX, I sent a request to have unauthorized and inaccurate late payments removed off from my credit profile. I asked by the provision of the Fair Credit Reporting Act, that these items be investigated and removed from credit report. Under 15 U.S.C. Sec. 1681i ( a ) they must complete this investigation within 30 days of the receipt to my letter. These inaccurate late payments are dated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX, XX/XX/XXXX. These are violations of the Cares Act as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint knows all they have to do is send a misleading statement and CFPB will close the case XXXX. They overcharged me. Then, they applied money back to the principal. Then, they skipped two payments and now they are using there overcharge to misrepresent that they corrected to muddle the facts. In the letter, Shellpoint never addresses that it was a covid modification and whether it received funds from the government to cover back interest and escrow. 

In the letter, Shellpoint claims the {$65000.00} is for XX/XX/2022. This again is a red-herring. The XXXX covers the entire year of XXXX. So, if my statement at the end of XX/XX/2022 reflects XXXX, then the XXXX should reflect the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Hi I have several months and several times asking to this bank to remove the private Morgage Insurance because my property has more than 20 % in equity and I sent the recently appraisal of my property to the bank ( about 1 month ago in my online bank account ) I sent several request to get removed the Private morgage insurance that I am paying monthly because I have a conventional credit but bank is not giving me answers, same way in coronavirus time I asked reduce my interest and they skip my request and just the put my debt for coronavirus in my Morgage and never gave me the promotional interest what government was offering although I asked it in that moment, so they never gave me the promotional interest rate and now they are not also giving me any answers!! I am tired of asking answers and they skip it because is not themselves interest, thats unfair!!! I want my interest rate what I asked in that time of 3 % and I want now to remove the PMI!! I need a specific answer to remove the private Morgage insurance because my property is value now in more than $ XXXX and I just had a debt with bank of $ XXXX, a have BIG EQUITIY I dont need to pay anymore the PMI, see attached the appraisal that I sent to the bank about 1 month ago in my loan care account online showing a value of {$400.00}

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 explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I send in a letter asking to rescind my auto loan, the company respond but saying I disputing the information on my auto finance report when I didn't ask for that. I asked for my loan to be rescinded. Then I send a reply letter again telling the company I want to rescind my auto loan and Opt out from the company reporting to personal information. they are now refusing mail from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

MY DISPUTE IS CLOSED NOW BUT IT WAS ( 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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX ) ( ACCT 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

MY DISPUTE IS CLOSED NOW BUT IT WAS ( XXXXXXXX )

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 2023-01-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX chase mortgage charged off the XXXX on my home, I haven't heard anything from them there was never an attempt to collect it was charged off. in XXXX I receive a notice from IRS stating Chase bank said I owed them more than {$200000.00} and that I was responsible for paying taxes on the debt that's more than 14 years old and was charged off, I called chase on more than one occasion I was told that they didn't know what I was speaking of, I was told it was a scam, I was told there was no attempts made by chase bank. I called the IRS who confirmed the detail from Chase, I advised the IRS that I wasn't responsible to pay taxes on bad debt that was charged off more than 14 years ago and that once a account is charged off to bad debt the company can use it as part of the tax write offs, hence Chase is trying to collect on something that was charged off and received tax credit. I don't owe this money or any monies to chase or to the IRS. Chase erroneously sent my file to the IRS and lied to say I received {$200000.00} which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX XXXX courts as well as XXXX XXXX XXXX. XXXX which is the debt collector was aware of how to located me. 

XX/XX/2022 the above company was aware that I was the XXXX XXXX XXXX attorney, And per 15 USCS 1692 ( c ) communication in connection with debt collection talked about after attorney is stated they must only talk with the attorney representing the debt collectee. 

The above company was well aware of how to communicate with me since I was/am in prison. They chose not communicate with me directly and instead communicated with the previous known address. 

There are many more violations other than the ones I wrote about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent letters to all credit bureaus XX/XX/XXXX in regards to reporting an XXXX  under my public record that was not verified and not provided by the XXXX XXXX  court directly. I reached out to the XXXX XXXX  XXXX XXXX XXXX XXXX North Carolina and confirmed verbally that to don't provide info to 3rd parties that are not included in the initial case. ( XXXX XXXX, XXXX, XXXX XXXX Transunion are not included included in any of the court case information ) In the letters I sent I requested that they remove the XXXX  from XXXX XXXX XXXX NC XXXX, Identification Number : XXXX XXXX Dated Filed : XX/XX/XXXX with all credit bureaus XXXX XXXX, XXXX XXXX XXXX XXXX Transunion XXXX due to reporting inaccurate and/or incomplete, unverified information concerning my public records in consumer reports. I have not received any correspondence back from any of the credit bureaus within the 30 day. When I didn't hear anything back, I sent XXXX XXXX  XXXX XXXX XXXX XXXX North Carolina a letter for a written statement instead an verbaI conversation had with them so I could file a complaint with the CFPB because I feel like the credit agencies are not taking my request seriously enough to respond. I sent in Personal Information update request with the credit bureaus and got a response from only so far was from XXXX ( which is still incorrect ) but No one responded to the Public record correspondence I sent in.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent letters to all credit bureaus XX/XX/XXXX in regards to reporting an XXXX  under my public record that was not verified and not provided by the XXXX XXXX  court directly. I reached out to the XXXX XXXX  XXXX XXXX XXXX XXXX North Carolina and confirmed verbally that to don't provide info to 3rd parties that are not included in the initial case. ( XXXX XXXX, XXXX, Equifax XXXX XXXX are not included included in any of the court case information ) In the letters I sent I requested that they remove the XXXX  from XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX, Dated Filed : XX/XX/XXXX with all credit bureaus XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX due to reporting inaccurate and/or incomplete, unverified information concerning my public records in consumer reports. I have not received any correspondence back from any of the credit bureaus within the 30 day. When I didn't hear anything back, I sent XXXX XXXX  XXXX XXXX XXXX XXXX North Carolina a letter for a written statement instead an verbaI conversation had with them so I could file a complaint with the CFPB because I feel like the credit agencies are not taking my request seriously enough to respond. I sent in Personal Information update request with the credit bureaus and got a response from only so far was from XXXX ( which is still incorrect ) but No one responded to the Public record correspondence I sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm trying to dispute item # XXXX on my credit report it has been over 126 days and they're saying they won't dispute it. Does the rules not apply to this company? Truthfully verify the information or remove it.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XXXX XXXX XXXX, I sent a request to have unauthorized and inaccurate late payments removed off from my credit profile. I asked by the provision of the Fair Credit Reporting Act, that these items be investigated and removed from credit report. Under 15 U.S.C. Sec. 1681i ( a ) they must complete this investigation within 30 days of the receipt to my letter. These inaccurate late payments are dated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX, XX/XX/XXXX. These are violations of the Cares Act as well.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXXl XXXX, XXXX XXXX of EdXXXX XXXX, US dept of EdXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I opened an account with Robinhood on XX/XX/2022 in response to a new account promotion with a deadline of XXXX XXXX time that day. I received an email that day confirming that my account had been opened and I subsequently fulfilled all other criteria to receive the promised {$600.00} bonus. 

Robinhood has refused to pay out this bonus, claiming that my account was opened on XX/XX/XXXX and thus ineligible. Additionally, Robinhood gave no prior indication of this decision until after all conditions had been fulfilled, including having assets with them for multiple months. However, reaching out to Robinhood customer service has resulted in agents on their end confirming that this is an issue with their backend system not correctly interpreting the terms of their promotion - Robinhood agents have confirmed that my account was actually opened on XX/XX/XXXX, XXXX time. 

The promotion terms can be seen here : https : XXXXXXXX XXXX The promotion explicitly states that the deadline is in XXXX XXXX : > Offer Period. This Offer is available starting on XX/XX/2022 at XXXX AM PT and ends on XX/XX/2022 at XXXX PM PT ( Offer Period ). 

In my most recent attempt to resolve the matter, Robinhood has stated that the determination of my account being opened on the XXXX, and thus being ineligible, is final and refuses to discuss their agent 's determination that it was opened on the XXXX, and thus eligible. Once Robinhood elects to move the support discussion to email, all of my messages are summarily ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Hunt & Henriques
State: CA

Complaint narrative:
I had an ongoing dispute with XXXX since XXXX regarding a {$2600.00} charge that they allowed a merchant to complete with an expired old card on file and an incorrect billing address. XXXX had originally credited {$490.00} and refused to give credit for the remaining balance, including {$2300.00} in interest charged and {$370.00} in late fees. They then reversed the {$490.00} credit. I decided to make over {$3000.00} in payments in two months to pay off the debt that I knew I owed, and refused to pay anything further. My disputes went back and forth with them for many months. I even went onto the merchant 's website and entered all my known email addresses to complete a password reset until I was successful and provided evidence that the card they had on file expired in XXXX, they had a very old billing address, and failed at 8 attempts of the charge the first time as they were simply reattempting with a different exp date until they got it right. I was never advised of the failed attempts by XXXX. 

In XX/XX/XXXX, after having completely destroyed my credit, they filed a lawsuit against me for {$5400.00} under my credit card account number XXXX which, is the only account I had with them since XXXX. 

I filed a response in court without a lawyer and advised their attorney of what took place and the attorney claimed they completed another investigation and determined I owed the complete amount. In XX/XX/XXXX, I receive a notice from XXXX that they completed another investigation and determined that I was correct and that they credited my account for {$1600.00} along with {$110.00} in interest which, again was not the complete or accurate amount. The amazing part is that they did not apply this credit to my account number. They created a whole new account number that ends in XXXX with a starting balance of {$5400.00} and applied a credit of {$1600.00} plus the {$110.00}, and showing a balance due of {$3600.00}. 

I now have their attorney 's office contacting me claiming I owe {$5400.00} on my XXXX card and {$3600.00} on a XXXX card that I never owned. The attorney is aware of this yet just requested that the court set a trial date and they have, it is now set for XX/XX/XXXX. 

XXXX is reporting default on {$3600.00} under this fake XXXX non-existing account onto my credit report and destroying my credit all over again. I do not have an attorney and they are destroying me with this. They will not even give me the whole account number when I have called twice to ask for it. All I know is XXXX, as you will see in the attached documents.

Company response to consumer: Closed with explanation