vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I think they've been overcharging me on the gap insurance on the operation of the vehicle the thing that shuts down the vehicle they done it so many times to the vehicle stopped working they're out of business and sold the contract to another company the name of the company is us Auto loans or US Auto sales from my understanding there's a lawsuit already out what about this company so I'm just doing the follow-up it's so many things that have illegally done the main thing I think is the overcharging of fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a charge in XX/XX/30 in a XXXX store for XXXX for a service that service that I found out that it was free after contacting the store. 

I dispute the charge with the credit card for a few reasons : -The service provide was free ( sim card for my second phone number ) according with the company after i called and confirm with them -It was provided a receipt at the store for what was being charged in my card. ( After the dispute they provide not for me, but to the bank the receipt -the store didnt tell before that that was a charge for the service. 
-After the dispute with the bank, the store is saying that they set up the phone with the number. They did not set up my phone. The only provided my the sim card. 


The bank refused to reopen the dispute.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX we signed a modification plan with Ditech Financial LLC. We were paying monthly {$2900.00} to Ditech Financial LLC, Attention : Loss Mitigation, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XX/XX/XXXX. 
There has been a change of address without notifying us to Ditech Financial LLC, XXXX XXXX XXXX, XXXX, SC XXXX. 
We are paying since XX/XX/XXXX to Ditech Financial LLC, we have made 47 payments of {$2900.00} and till today we did not receive any bank statements, tax documents and we do not have an online account setup to pay electronically. 
On XXXX of the each month we have to go to the post office to send a check. 
After printing a credit report we found out that NewRez-Shellpoint and New Rez-Mortgage Shellpoint are reporting late payments. According to credit report agency we are seriously delinquent. 
We have prove of deposited checks printed from XXXX Bank. We were never late making the payments. 
Due to this wrongly reporting on our credit, our child can not get a federal student loan for her studies at XXXX XXXX XXXX. 

Please help us to solve this crime!!!!! 


Best Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I AM WRITING TO DISPUTE THESE FRAUDULENT CHARGES ON MY ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE. I AM FILING THIS COMPLAINT FOR MYSELF NOT ANYONE ELSE. REMOVE THE FRAUDULENT CHARGE AND ANY RELATED FINANCE CHARGES FROM MY ACCOUNTS. PLEASE SEND ME AN UPDATED AND ACCURATE STATEMENT AND BLOCK THE ACCOUNTS. I ALSO REQUEST THAT YOU STOP REPORTING THIS INACCURATE INFORMATION AND REPORT THE CORRECT INFORMATION TO ALL THE NATIONWIDE CREDIT REPORTING COMPANIES TO WHICH YOU PROVIDED 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 explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax has not been updating my account. They are reporting my XXXX XXXX at XXXX Compared with XXXX XXXX at XXXX and XXXX XXXX they are way behind on updating info. 

The loan balance from XXXX XXXX XXXX XXXX has not been updated since XX/XX/2023 and the balance has dropped by {$2800.00} and has never been updated to reflect that. The current balance owed is {$3500.00} The loan balance from XXXX XXXX XXXX XXXX XXXX has dropped by {$4300.00} on XX/XX/2023 and has never been updated to reflect that. 

" On XX/XX/2023, your XXXX XXXX XXXX XXXX student loan account balance decreased by {$4300.00} from {$8900.00} to {$4500.00}. '' Here are the following accounts that have been disputed and removed by XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Removed from report on XX/XX/2023 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Removed from report on XX/XX/2023 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Removed from report on XX/XX/2023 ) They also have some personal info that is not correct as well. They have a FORMERLY KNOWN AS name of XXXX which is not me. 

Equifax dropped my credit score by XXXX points for absolutely no reason. No other reporting agency has ever done that. 

There are also some of the same discrepancies in the XXXX report. I am attaching all related info and notices of removal from the report or updated info. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: KY

Complaint narrative:
On XX/XX/XXXX me and my husband went to XXXX XXXX in XXXX XXXX, South Carolina. We arrive and XXXX attempted to check us in. She ran my card approximately 3-5 times and was declined. I then looked and my banking app to see what was going on. The charge for {$680.00} was pending. I showed that to her and she told me that there was no charge/transaction on her end. We was not able to check in. We sat in our car for some hours, calling my bank to try and figure out what was going on. We also spoke with the hotel and was told that we could pay and additional $ 200+ to stay for the night. We didnt have that to chance. Hindsight looking if I wouldve paid that and this issue wasnt resolved ( which clearly isnt ) I would have been there with literally {$0.00}. Up until now I have been speaking with my bank ( which is Albert, online who doesnt have a number )XXXX XXXX ( who we initially booked the hotel with ), and the actual hotel itself. They all have pretty much been telling me to contact the other person. Both XXXX  and XXXX XXXX have told me that there is nothing they can do because- XXXX XXXX doesnt have a transaction and XXXX didnt process the transaction. My bank told me several different things. Once they told me it would be 15-30 days, then I was told 7 days, then I was told 10 days the money would reverse back on my card. At this point it has been 2 weeks since we went on the trip. I had to have my brother book and pay for me a hotel ( which I have to pay him back ). I was literally in XXXX XXXX with no money and in debit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, 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:
An old address on my credit report is being reported. Please delete the adress XXXX XXXX XXXX XXXX XXXX, FL XXXX from my credit report.

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 2023-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
the company first changed their website to a completely new one to make the payments and now i am unable to pay off the loan as they have charged my account to off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2023 I deposited a check from my lawyer in the amount of {$6500.00} and since XX/XX/2023 JB Morgan Chase restricted my account stating I had to wait until XX/XX/2023. On XX/XX/2023 my account showed the cleared funds from the deposit of the check but Chase still had my account restricted. With in 3 days of the cleared funds Chase Suspended my account stating the check couldn't be verified. I have been communicating with Chase and My Lawyer since XX/XX/XXXX via phone. Now My Lawyer ( XXXX XXXX at XXXX XXXX XXXX XXXX  ) is stating he is going to issue a Warrant for my Arrest stating I'm harassing him by asking what phone number should I provide Chase to verify the check which is what Chase is telling me I need to move forward. I'm completely at a lost of words. If Chase received the funds and the check cleared with NO dispute of payment why are they holding the funds and suspending my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In case the description below is all auto-formatted, with all spaces and empty lines automatically removed : Please see an attached pdf re-iterating the issue. 


Dear CFPB : Capital One as my credit card issuer refuses to follow MA state law, on multiple occasions : As per M.G.L. Part I / Title XX / Chapter 140 / Section 114C : https : XXXX If the cardholder cancels the agreement at any other time during the year, he shall receive a refund on a pro-rata basis of two-thirds of the annual fee. 


However, Capital One refused to provide a prorated return of two-thirds of the annual fee charged. 
According to their policy, only full refund is due within 45 days of the annual fee charged. 
In my case, I requested a prorated refund ( not full refund ), after 64 days : Affected account : XXXX card ( ending in XXXX ) Annual fee : {$390.00} Annual fee billed : XXXX, 2023 Account closed : XX/XX/2023. 

The following phone conversations were made with Capital One supervisors : Both of them have refused to provide annual fee prorated refund. 

Supersivor ID XXXX ( XXXX ), XX/XX/2023 XXXX Supersivor ID XXXX ( XXXX ), XX/XX/2023 XXXX. 


I thereby request : To provide an prorated annual fee refund for the {$390.00} fee paid. 
Fee paid over period : XXXX - XX/XX/XXXX = 64 days XXXX of the fee : {$260.00} ( 365 days ) Prorated over leftover 301 days : {$210.00} As a major lender for credit card consumers in MA, Capital One has to abide by the law of the state they operate in. 


Please contact me with any questions. 
XXXX XXXX Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
Complaint details : PHH MORTGAGE SERVICER has changed their payoff quote several times because they alleged they overpaid the insurance premium. 
We sold the house and the title company wired the funds to PHH as of XX/XX/23. 
PHH never credited that they received the funds. They insisted that we pay them $ XXXX. 
They told us they would charge us attorney fees foreclosure fees etc if we did not pay immediately. 
The XXXX XXXX XXXX sent us the refund. 
Because of the confusion I submitted a complaint to the XXXX and PHH response letter indicated that they can not verify they overpaid the insurance and that I can claim the refund. They also said our account was not in foreclosure and that they admit no error. They advised by emailed letter there was an outstanding set of fees totaling {$170.00}. We immediately notified the title company and provided a personal check so the outstanding balance could be wire transferred. 
They would not confirm that the account was satisfied. The escalation department and customer service has advised us that we owe several different amounts. 
I do believe we are entitled to claim the insurance overpayment because according to PHH Website we owed $ XXXX but they made us pay $ XXXX so we thought that was them charging us for what they paid the insurance. I am requesting correction and that they abide by the letter that their research department has sent. We should not be charged anything above the amount demanded in the original pay off quote. We made the payments in good faith and we are not responsible for any errors or miscalculations. PHH held our funds for 30 days before returning to the title company on XX/XX/23. We need immediate intervention and I would also like them to immediately provide a lien release to us. The Title company attempted to send all the funds again this week and the funds were returned by the mortgage SERVICER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. 
1 ) XXXX is reporting inaccurate information across all 3 BURAUS Trans XXXX and XXXX starting with late payment XX/XX/XXXX late and XX/XX/XXXX late on 2 but 3rd bureau ok never reported under investigation gap on XX/XX/XXXX and XX/XX/XXXX nothing in box date last active all different please remove whole account or show proof of late payment if not update account to ok /good standing asap correct or delete any inaccurate, incomplete, or unverifiable information within 30 or 45 days of receiving notice of your dispute XX/XX/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 2023-08-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. 
1 ) XXXX is reporting inaccurate information across all 3 BURAUS XXXX Equifax and XXXX starting with late payment XX/XX/XXXX late and XX/XX/XXXX late on 2 but 3rd bureau ok never reported under investigation gap on XX/XX/XXXX and XX/XX/XXXX nothing in box date last active all different please remove whole account or show proof of late payment if not update account to ok /good standing asap correct or delete any inaccurate, incomplete, or unverifiable information within 30 or 45 days of receiving notice of your dispute XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. 
1 ) XXXX is reporting inaccurate information across all 3 BURAUS XXXX XXXX and Experian starting with late payment XX/XX/XXXX late and XX/XX/XXXX late on 2 but 3rd bureau ok never reported under investigation gap on XX/XX/XXXX and XX/XX/XXXX nothing in box date last active all different please remove whole account or show proof of late payment if not update account to ok /good standing asap correct or delete any inaccurate, incomplete, or unverifiable information within XXXX or 45 days of receiving notice of your dispute XX/XX/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 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Us auto sales went out of business and west lake portfolio took over the loans. I've paid off one of my vehicles and west lake says I still owe XXXX on it after I paid it off before us auto sales went out of business.. then I have another vehicle from us auto sales and I've paid XXXX  payments and west lake says I haven't made one payment and they say I owe XXXX XXXX So in my mind I just waisted over XXXX and I don't know what to do

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