vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 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: MS

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party agency. Please see the attached documents.

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 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMEX failed to protect me with my dispute as a consumer who did not receive their goods they have ordered! 

I ordered a tablet in XXXX from XXXX, and after a long wait, they shipped it out in XXXX via XXXX. However, XXXX lost/ stole the item fraudulently stating it has been delivered on XX/XX/22 on the evening of XX/XX/22. There was no signature obtained, even though there was signature required! I asked XXXX for help, but they refused to give me a refund, even though they admitted on XX/XX/22 that it was probably lost. Finally, a Tier XXXX customer service representative promised me a refund, but then they GHOSTED me! 

Therefore, I filed a chargeback via AMEX. However, AMEX denied my claim because XXXX sent in a form with screenshots of the XX/XX/XXXXpage that said the item was delivered. Also, they said they credited me {XX/XX/XXXX.... But what about the other {XX/XX/XXXX?! XX/XX/XXXX is NOT the entire cost of the tablet. 

And what about my multiple screenshots with proof that the dates are really sketchy and faulty... And what about my police report? And proof that customer service said they would refund me? And then ghosted me? 

Do any of these mean nothing to you, AMEX? Do you even read my claims and evidence? I am so disappointed. As an AMEX card holder, I expected better customer service and protection, and more thorough investigations. If this does not get resolved by AMEX, I will have to cancel my card and be a loyal cardholder with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-02-01 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial refuse to disclose all documents to validate the inaccurate information published on all three of my credit files. I have made several attempts through the company and all three reporting agents, which all fail to provide proper documentation and verifiable information of their reporting actions. 

Per FCRA section 611 ( a ) 5 publishing inaccurate and unverified items on my credit report damaging my reputation and credit worthiness, I'm requesting this account be immediate removed from all three reporting agencies. 

Ally, XXXX, XXXX and XXXX fail to provide proof of investigation to validate inaccuracy reporting on my credit report. Alley Financial has been sued due to their negligence and violations of consumer rights not following proper protocol and reporting actions by the rights of CFPB and Fair Credit Lending Act to all consumers involved in legal action suit case # XXXX. As of XX/XX/2022 court approved settlement in which my case was part of Ally violations. Enclosed document validate my actions and attempts for the last two years to have this account removed from both my spouse and I credit file.

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 2022-02-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-02-01 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MD

Complaint narrative:
I received this message from chime about my account on XX/XX/2022 XXXX XXXX  est Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2022. 

Once your Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/2022 to the address we have on file for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WATERMARK CAPITAL, INC.
State: CA

Complaint narrative:
The on-line Form 1098 statement indicates {$1600.00} for interest and {$9300.00} for principal. These amounts do not add up to the {$11000.00} payments made in XXXX. Where is the additional money that I paid? Why is it not applied to my principal balance? How can it be applied to future interest that has not been accrued? 

The mailed 1098 Form now shows {$1800.00} collected in XXXX for interest, which as described below, is more than the amortized interest. 

WaterMark Capital Inc. has over-collected interest on the above account by the amount of {$220.00}. 

The original amortization table indicates the total interest due before XX/XX/XXXX is {$1700.00}. Since additional payments have been made, the actual interest due is {$1600.00}. 

Watermark Capital has collected {$1800.00} in interest from my payments and did not apply the additional payments toward the principal balance.

Watermark Capital must credit my account in the amount of {$220.00} ( {$1800.00} - {$1600.00} ) toward principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: ID

Complaint narrative:
I still have flood insurance on my mortgage that was fraudulently add by the lender Select Portfolio Servicing. I already filed a complaint with you and you closed it despite no resolution! Select Portfolio Servicing has not provided proof of the need for flood insurance on my property and they have not responded to the complaint. 
Why won't you help me? I've had XXXX other loans and neither required flood insurance on the property. FEMA said I don't need flood insurance. No one is stopping SPS from stealing from me! 
HELP me resolve this, please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This will be the XXXX complaint filed on this same issue. Our loan is currently in the trial stages of modification. Shell Point continues to send our statements that contain personal financial information to an address that I have never been associated with. 
When I go online to review my statement it shows the last payment in the amount of {$1600.00} but my payment was in the amount of XXXX. I have also found unexplained charges in the amount of XXXX each. What is it going to take to get Shell Point to get in compliance? Where did the balance of the XXXX go? When I try to make an online payment, their system will not let me make my trial payment. The company is trying to make it difficult to complete our trial period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This complaint is against equifax, XXXX XXXX, and XXXX also any other involved party whom has been misusing my personal information to create fraudulent accounts under my name. 
Ive been checking my credit reports since my identity was stolen back in 2013 my ID and wallet was stolen from my ex girlfriend car while I was in the hospital checking on a family member. I have advised both all three credit bureaus and the companies involved of my identity theft and me not authorizing any new accounts but they keep taking them off then re add the same account using another company and new date its very unprofessional and damaging my credit report causing me everything I have work on please fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: NY

Complaint narrative:
XXXX XXXX is reporting my credit usage as fair rating and high impact which 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 non-monetary relief
Consumer complaint received 2022-02-01 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: NY

Complaint narrative:
XXXX XXXX is reporting my credit usage as fair rating and high impact which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I purchased the vehicle and the end of my lease that ended XX/XX/2021. I have a receipt from the credit union showing paid in full on XX/XX/2021. However, Chrysler capital took XXXX weeks to process the payment after the XX/XX/2021 payment in full. After numerous attempts to talk to Chrysler capital they were rude, disrespectful and very inconsiderate. The last person I spoke with said I don't care about your credit report it's not my problem it destroyed your credit and I don't care what your score dropped to. We ( Chrysler capital ) received your payment on time but it took awhile to process everything and it's not our problem. My bank that contacted Chrysler capital tried to speak to them and my bank said wow they are the rudest and uncaring company they ever talked to. The bottom line is Chrysler capital is reporting late payments and the account was never late. I have provided proof of payment on time and the credit bureaus take Chrysler capital side and let them report incorrectly and false information. I don't understand why. Please help with this matter and remove the late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a XXXX  XXXX bankruptcy on my credit report that does not belong to me. It was already removed from XXXX and XXXX and per fcra law they have to report correctly. Please remove the bankruptcy immediately.

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 2022-02-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter of dispute on XX/XX/XXXX and have not received an investigation. I am deeply concerned about the inaccuracies of these items on my report. I have tried calling for resolution but to no avail. Some of the items reported are inaccurate and others are invalid. Requests for validation are not being honored but I get canned responses like " we have a responsibility to report accurate information ''. I am aware of that and I am telling you these are not accurate. Please remove them as soon as possible as it is hindering me from qualifying for a mortgage.

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 2022-02-01 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: CBC Companies, Inc.
State: GA

Complaint narrative:
This is to inform all three credit bureaus that a Florida Department of Revenue sent a letter to show this account was paid in full. The date it was closed. Your agency is reporting that this account was 120 days past due. However, this account was not 120 days past due. Please also be aware that any negative mark found on my credit reports ( XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate correct payment history immediately. The request is to remove the erroneous information with a full deletion. 

1. Delete 120 days late payments ( this is not correct ) 2. Delete this is a government collection account 3. The date when closed is incorrect. 

According, to the Fair Credit Reporting Agency any incorrect information on the credit report is Defamation and a Violation of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Credit Management is a company, that I have never done business with, but allegedly purchased old debt which is beyond the statute of limitations. I received a call from Midland Credit Management in XXXX, XXXX, I refused to speak to the representative and disconnected the call. 

On XX/XX/2021, I contacted Midland Credit to obtain their fax number to submit a cease and desist letter without discussing anything pertaining to any accounts. I received a letter dated XX/XX/2021, stating that they have opened an investigation regarding your recent dispute. However, I have never disputed, or requested an investigation. I believe that this is an act of fraud, and harassment as I sent this company a cease and desist for all forms of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a validation letter to Equifax to validate a debt. They sent back a letter each time stating the debt was verified. I also asked Equifax to send me copies of any and all documents they used to verify this account # XXXX from XXXX. This is violation of my consumer rights. 
XXXX US code XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Restriction on sharing of medical information and XXXX XXXX XXXX XXXX ( XXXX ) also XXXX XXXX. XXXX ( a ) ( XXXX ) Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
CEASE AND DESIST YOU ARE HEREBY ON NOTICE TO HAVE ALL MY DEMANDS COMPLETED UPON RECEIPT. 

This is a communication to cease and desist all communication and collection efforts pursuant to 15 USC 1692C ( c ).

As the consumer, the natural person, the administrator, and executor, I legally refuse to pay these alleged debts pursuant to 15 USC 1692C ( c ) and demand the following actions taken effectively ; 1. Pursuant to 15 USC 1692C ( c ) ( 2 ), I'm invoking my specified remedies as the creditor.

2. Pursuant to 15 USC 1692C ( c ) ( 1 ), I hereby advise you to terminate all collection efforts.

3. Pursuant to 15 USC 1692C ( c ) ( 3 ) I demand you zero
out all 3 credit card account balances, leave all 3 credit card accounts actively open, and report positively to all 3 credit reporting agencies.

FAILURE TO COMPLY WITH MY DEMANDS WILL RESULT IN LEGAL ACTIONS AGAINST YOUR COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
I received notification on XXXX XX/XX/2022 that my loan servicing company sold my loan to Carrington Mortage Services, LLC, and that within XXXX days I was supposed to be contacted by them regarding my loan. I was not and currently have not been contacted regarding this loan. It is now XXXX XX/XX/2022, and my payment is due on the first of the month. I have no loan number from Carrington Mortage Services to apply a payment to. The website does not have my old loan servicing company ( XXXX XXXX ) listed on their website to obtain my new number, and when I try to call, I get no answer on the phone from customer service.

Company response to consumer: Closed with explanation