vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 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:
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One sent me an email on XX/XX/XXXX stated that if I applied for their XXXX credit card, I will get {$300.00} signup bonus after approved and spend {$500.00} within 3 months. 
So I applied and got approved on XX/XX/XXXX. 
I spend a total of {$610.00} by XX/XX/XXXX. But I didn't get the {$300.00} as advertized. 
I called, was told the bonus will appear within 2 billing cycles. But it has been more than 2 months, Capital One still didn't give me the {$300.00} sign up bonus.

I called them today explained everything, but they customer service rep transfered me to another department, but I got disconnected.

I called again explained the situation again, they kept giving me a run around. 
I spoke to a supervisor name XXXX badge # XXXX, but she wouldn't give me the real reason why I am not getting the bonus. 
There is no where for me to turn to, signed up and pent {$610.00} on the credit card because of the ad they sent me. Now they are not give out the bonus as advertized. Capital One misled me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Shellpoint continues to report inaccuracies on my credit report. Upon checking my report, there are now : 1. 5 inaccurate late payment statuses reporting on my credit XXXX report. 
2. 1 inaccurate late payment status reporting on my credit XXXX report. 
3. 2 inaccurate late payment statuses reporting on my credit XXXX report. 

I have disputed the inaccurate reporting several times with the agency. The payment status is never resolved, only moved around. This is a clear violation of my rights, as I do not understand nor agree with how this account is reporting. 

If this can not be resolved, I will be submitting a complaint to the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: IL

Complaint narrative:
XXXX, Transunion, and XXXX continues to report inaccurate information on my credit report for the account listed listed below. 

XXXX XXXX XXXX  : Account number XXXX. 

I do not recognize nor understand the form of reporting of this account. This account has historically and continues to report inaccurate and inconsistent information to all 3 bureaus.

1. The company is fraudulently reporting last payment date of XXXX XXXX. Last payment was XX/XX/XXXX. 

2. The company has reported inconsistent payment statuses across all three bureaus.

3. The company has reported payments while the account is in charge off status. Last payment on Transunion shows as XXXX XXXX with a close date of XX/XX/XXXX. The company also shows " Times 30/60/90 days late 0/0/0 ''. On XXXX, the account was charged on XX/XX/XXXX. On XXXX, there is payment history. The account has been closed, reopened, and placed in 30,60, and 90 late statuses. 

4. The company is reporting the account on my family 's credit report.

5. The company is reporting payment history to XXXX for the year XXXX, while also showing CO status on XXXX during the same time. The balance also continues to fluctuate. 
1. XXXX XXXX days late : Balance {$12000.00} 2. XXXX XXXX- 60 days late : Balance {$12000.00} 3. XXXX XXXX Closed : Balance {$12000.00} 4. XXXX XXXX Closed : Balance {$12000.00} 5. XXXX XXXX Closed : Balance {$9400.00} 6. XXXX XXXX Closed : Balance {$9400.00} 7. XXXX XXXX Closed : Balance {$9400.00} 8. XXXX XXXX30 days late : Balance {$9400.00} 9. XXXX XXXX-Closed : Balance {$9400.00} 10. XX/XX/XXXX - Closed : Balance {$9400.00} 11. XX/XX/XXXX - 30 days late : Balance {$9400.00} I demand the account be removed from credit report immediately. I do not authorize the reporting of this tradeline. It has damaged my credit report since XXXX with its erroneous reporting. Transunion, XXXX, and XXXX have failed me as a consumer, and has not operated in good faith and according to FCR and FTC rules and regulations regarding accurate reporting of information. I have been disputing the accuracy of the reporting of this account for years, and the credit bureau does nothing to ensure accurate reporting. Instead accusing my disputes as being frivolous to avoid investigation.

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 2023-05-26 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: NC

Complaint narrative:
In XX/XX/XXXX I applied for a home loan and was told by the bank XXXX XXXX Management services was reporting that my mortgage was still open and I was over 120+ days past due. I have never paid my mortgage late. XXXX XXXX  serviced my loan from XXXX until XX/XX/XXXX. They sold/transferred my loan in XX/XX/XXXX. I filed a dispute with the credit bureau and received an email telling me the dispute was resolved in my favor. I figured I would wait a few months and then followup with the bank to allow time for my credit score to reflect the changes. Fast forward to XX/XX/XXXX, the bank told me that my FICO report is showing Equifax reporting a 90+ days late payment in XXXX of XXXX. I paid to have my credit pulled to see the FICO report myself and sure enough it is there and it is also showing on XXXX XXXX as a 90 day late payment in XX/XX/XXXX. I am assuming somehow that month was overlooked by XXXX? I contacted FICO and was told they only report information that they receive directly from Equifax and cnnot edit information on the report. I contacted Equifax and I was told there is nothing to dispute. I contacted XXXX loan services and was told they would look into the issue. Then I received a letter in the mail that states " XXXX loans services does not grant courtesy credit corrections. Our records indicate that the loan is reporting accurately and no correction is required. '' This negative payment history is affecting my Equifax credit score and my FICO score which is inturn increasing my interest rate. Please see the attached documents pgs 136-138 shows negative payments marks under Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
I fell behind and tried to arrange payment with Carrington mortgage in XXXX. It was agreed I will catch up on XX/XX/XXXX. ( Last payment made was for XXXX ). When I attempted to make a payment Carrinton refused to take my payment saying they already started foreclosure procedures on XX/XX/XXXX ( when I was only 93 days delinquent ) dispute my explaining the situation and attempting to resolve the issue. They said they would get a reinstatement amount for me but continue to delay it, making me fall past the 120 day mark in which feels intentional. I get no response on a way to take care of this from them and I just want to catch up and get back to normal. They have added additional fees in addition to late fees on the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America put a hold on my direct deposit paychecks today and took the entire amount over {$1300.00}. They said that it has to do with my daughters account, which she closed in XX/XX/2022, having insufficient funds. When they closed her account and sent her her funds, they sent her more than she had on deposit. She contacted them and made an agreement to pay the money back $ XXXX. Last month Bank of America withdrew from my account {$76.00} and {$30.00}. They said this was the monthly charge to payback the insufficient funds. I didnt not give them permission to withdraw any money from my account that would go toward any insufficient funds. My account doesnt have insufficient funds issues. I called them last month to resolve the issue. But they passed me from one department to another. I called them today and they passed me around to several departments. One of their representatives said that the hold would be removed by XXXX XXXX. I have her name and the location that she works at. I went to the local branch and they said that we will have to wait till Saturday morning to see if the hold would be removed. And that somebody from the bank will call me before the end of business day to update me about the status of the hold. They didnt call. I called them before closing. They said the money had been withdrawn and applied towards my daughters closed account that has insufficient funds. They lied to me on the phone and lied to my face, just to get me off the phone and so I would leave the branch.

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 2023-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MD

Complaint narrative:
XX/XX/XXXX - XXXX $ XXXX XXXX ) XXXX $ XXXX $ XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX $ XX/XX/XXXX XXXX $ XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ I ask them to provide me with details on why my claim is being denied if these transactions were unauthorized, I got a email stating nothing at all, i did not get proof to why my dispute is being denied I be going through this for months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XXXX of 2022 I requested a block of information on my credit report for account XXXX. According to federal law 15 u.s.c. 1681c-2 once I provide all appropriate proofs of identity, identity report and all documentation required, the credit bureau had 4 days to block the information and they have not. I submitted all proof to the cfpb and still no results. This is a direct violation of willful noncompliance. 
Please block this inaccurate information and send all parties requesting my credit report and updated 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 2023-05-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: American First Finance, Inc.
State: FL

Complaint narrative:
In XXXX i requested a loan from American First Finance bank which i paid in full, i even have the payment invoice and the confirmacin of the clased account .I called personally to make the Last payment and asked if l owed {$13000.00} because it appeared in the report from a unin which they told me that l had no debt and today i called and if they confirmed that te debt is not mine, for which i confirm that i have been victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I do not have a signed contract agreement with National Credit Systems therefor I do not owe any money to National Credits System. 

I am requesting a signed copy from XXXX XXXX showing my signature for the charges of {$1000.00} ( not the lease ), where did I sign agreeing to these charges? A receipt is not an acknowledgment without my signature stating that I agree to those charges. A copy of a lease is not acceptable!! Please show me a signed signature on the receipt stating that I owe that amount to XXXX XXXX ( again not a copy of my lease!! ) and that I agreed to those charges. The lease is not proof that I owe {$1000.00} to XXXX XXXX. 

Again, I don't have a signed contract agreement with National Credits System. National Credits System needs to provide me with proof that I owe National Credits System. Provide me with a copy of a signed agreement between myself and National Credits System.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2023-05-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case

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 2023-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Kikoff Inc.
State: GA

Complaint narrative:
Holding deposits, not being consistent with depositing money on time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: MA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX XXXX XXXX : {$24000.00}

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 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On or around XX/XX/2023, I called to report an issue with my business account XXXX XXXX XXXX XXXX that has been ongoing on my account with a feature I have with Chase Bank called Over draft assist. Ultimately the rep stated the fees were to be credited back within a few hours. A few days later I was charged additional overdraft fees due to the agent not crediting the account as stated. I spoke with a supervisor named XXXX and she reversed the additional fees but stated she could not reverse the original fees that was promised. She stated she could submit a complaint and ask for a call review for the call that was originally taken with the first agent to confirm what he said. She stated that someone will call me back with 3-5 business days. I left off the call expecting that. 

Because all the failed promise the account went into a snowball effect causing more overdrafts. 

Now on XX/XX/2023 around XXXX, I still haven't received the call and decided to call. I spoke with a supervisor by the name of XXXX. We spoke about the issue and he stated to me that basically that XXXX noted the account and never placed a request for a call review like she stated she would. Now I'm left off two phone calls expecting a resolution of what the agents stated they were going to do and failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL

Complaint narrative:
I am receiving emails from Synchrony for a Lowe 's Advantage Card that I never signed up for. The only details I have is that the account ends in XXXX. The Synchrony website does not allow me to contact them via email without signing into an account that I did not create. Please note that I do not live in the XXXX so I am not prepared to contact them by telephone. 

My issue then relates to ( a ) is this fraud? I can't know, but at the very least ( b ) they have clearly failed their KYC obligations under AML / CTF laws that I know exist in the XXXX ( I do not live in the XXXX ), since they have not even done the most basic checks, including validating an email account - which I note that this was required to sign up here under the CFBP.

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