vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: SC

Complaint narrative:
Correspondence and documents attached outlining my complaint in a letter dated XX/XX/2023 to the Chief Operating Officer of Amerisave Mortgage. 

My basic complaint is that not enough time was allowed to make the necessary changes that went into effect XX/XX/2023. Letter from Amerisave received XX/XX/2023 which did not allow me enough time to create a new on line account with XXXX XXXX, which needed a profile on me together with providing a good email address and a new Password. Frankly, my week was already lined up with doctor appointments, planning for the XX/XX/XXXX XXXX, and keeping abreast of many everyday responsibilities. I wrote a very frank letter to Amerisave Mortgage explaining that the timing was too short and that a 30 day window should have been allowed for such an unexpected change. 

This is the second time in a two year period that Amerisave Mortgage has sent notices to their customers regarding a Notice of Servicing Transfer. You will learn more details when you peruse my attached documents.

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 2023-07-14 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: IL

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear Sir/Ma'am Please review 2 attachments below. The merchant " XXXX XXXX '' was supposed to charge me ONE time for {$210.00} but they charged me a SECOND time for {$980.00} ( which I was not aware of why ). I filed a dispute with US bank Debit card dispute department. Without doing any investigation or providing me evidence of " valid transaction '', your department sent me just one page letter saying " we determined that your transactions were valid ''. How? How do they know that the TWO transactionswere BOTH valid?

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 2023-07-14 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: OH

Complaint narrative:
My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. I disputed my balance with XXXX and no changes were made. 

My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. My credit report does not reflect that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: TX

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.

The letters are stated with items and issues.

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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I places an order ( # XXXX ) with XXXX XXXX  on XX/XX/XXXX and original delivery was pushed back 6 months. I paid {$4500.00} and expected it to arrive by XX/XX/XXXX. This order was deliberately labeled as canceled ' on their website, without my action or acknowledgement. No refund or products were delivered. Basically, by end of XXXX, XXXX XXXX and their representative assigned to my account ( XXXX XXXX ) were sending email updates about building my sofas ( see attached ). XXXX was expected by XX/XX/XXXX. In XXXX, a letter from the XXXX arrived, apologizing for delays. By XXXX, I started emailing and calling XXXX but never getting hold of her ( see email auto replies ). She was able to reply to XXXX of my emails, letting me know that additional updates on XXXX were coming in XXXX. She never came back from the holidays. The last time a date was posted on my account was for XXXX, but that is no longer visible. They never issued a refund and I've tried refuting the charge, but 53rd Bank won't dispute the charge. they allege that a dispute can only occur within 90 days after the purchase date. XXXX XXXX was updating me with order status well past the dispute window by my bank. The 90 days period set by the bank to allow retraction of charges must be waived because that is basically fraud by the company. Thats how most of the affected clients got their money back ( according to an existing XXXX group page ). 

Additionally, affected clients were instructed to submit a claim with XXXX XXXX, an equity company in charge with the assessment of benefits. I submitted a claim and was told to wait for resolution by the end of XXXX of this year. I have called XXXX XXXX on both of their numbers, ( XXXX ) XXXX and ( XXXX ) XXXX, for a follow-up and was told that XXXX XXXX  concluded that they will not refund. 

XXXX XXXX is currently an active business sending me marketing emails and promos. I called their customer service ( XXXX ) and their representative ( XXXX XXXX ) let me know that only the name was sold to the current firm ( XXXX ), not the financial responsibilities. General XXXX XXXX XXXX ( XXXX ) and XXXX XXXX are now offering me 30 % off if I place a new order. I feel utterly offended. XXXX sorry but how is this not fraud? I understand my accounts should be protected from fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-07-14 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: TX

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account.

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 2023-07-14 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: MI

Complaint narrative:
My credit card with XXXX XXXX XXXXXXXX was set on auto pay and I never received any notice from XXXX XXXX XXXX that my card was delinquent. After some investigation, it appears that this is a common problem where the XXXX XXXX XXXXXXXX auto pay malfunctions and costs people fees and adversely affects their credit. This started in XX/XX/2023. This delinquency is improper and should be removed from my report. After raising this with XXXX XXXX XXXX, they sent me a letter saying that I have no delinquent accounts with them, but my credit has not been fixed. Before this, Ive had approximately XXXX on time payments and have never had an issue.

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 2023-07-14 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: NY

Complaint narrative:
I am writing to file a complaint regarding a late credit card payment that is inaccurately showing on my Experian credit report. I believe this violation is in direct conflict with the regulations outlined in the 15 U.S. Code 1666b, which governs fair credit billing practices. It states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I hold a credit card with XXXX XXXX, account number XXXX. According to the information on my Experian credit report, there is a late payment listed for the billing cycle ending XXXX XXXX XXXX. I would like to bring to your attention the following points : Compliance with 15 U.S. Code 1666b : Section 1666b of the United States Code governs fair credit billing practices. It ensures that consumers are treated fairly and have the right to dispute incorrect charges or billing errors. It is evident that the reporting of this late payment is erroneous and does not comply with the spirit of this law. Negative Impact on XXXX XXXX : The inclusion of this late payment on my credit report has had a significant adverse impact on my XXXX XXXX, affecting my ability to secure favorable credit terms and causing undue financial harm. This negative reporting is unwarranted and violates my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: TX

Complaint narrative:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2023-07-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Acct No. XXXX, has violated my rights. 

15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-07-14 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: TX

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.

The letters are stated with items and issues.

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 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 2023-07-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
15 Days are up- please my check made to cash for XXXX for XXXX usd as per my rights protected owner of my home ordered XXXX agreement signed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB Settlement Recovery Money 1700 G Street North West Washington , DC 20552 Re : Federal Trade Commission and Consumer Financial Protection Bureau v. 
Green Tree Servicing LLC, a Delaware Limited Liability Company, United States District Court of Minnesota, Case No. XXXX ( SRN-JSM ) To Whom it May Concern : I am a party in the above-referenced action. I did not receive a phone call from Green Tree Servicing after the Court Order was entered against them. 
I owned a home located at XXXX XXXX XXXX, XXXX, California. My loan was egregiously affected by the negligence of Green Tree Servicing per the Order entered on XX/XX/XXXX where Green Tree Servicing was ordered to pay {$48.00} million in borrow restitution to be deposited in the Civil Penalty Fund of the Bureau in accordance with Section 1017 ( d ) of the CFPA 12, U.S.C. 5497 ( d ). 
This letter constitutes a demand for settlement in the amount of {$350000.00} as a full release of all claims against Green Tree Servicing LLC. Alternative Dispute Resolution is appreciated in this case due to the time line. This offer expires fifteen days ( 15 ) days from the date of this letter. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: CA

Complaint narrative:
Capital One bank advertised on XXXX about their Quicksilver Cash Rewards XXXX -- {$200.00} bonus if used for {$500.00} in first XXXX months, and 0 % APY on balance transfers for XXXX  months. On XX/XX/2023, I selected " apply here '' and completed the Capital One application which was approved. I received the card in the mail and activated it the same day by phone -- XX/XX/2023 -- the front side was identical to the card described and pictured on the XXXX XXXX website. I then used it for over {$600.00}, well within the time required to earn the bonus. On XXXX XXXX I called Capital One customer service, and was informed by the representative that the credit card i had received from them did not qualify for the {$200.00} bonus feature or the 0 % apy feature on purchases or balance transfers.After considerable discussion, she continued to maintain the same position. I asked to speak to her supervisor and he came on the line and I told him the whole story. He insisted that the card i was sent did not contain those features. I suggest that he might be violating federal law, but he did't waiver from his position. on the same day of the troublesome phone call, they sent me a letter announcing a 29.74 % apy 0n balance transfers. I have always paid the statement balances, on time on this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-07-14 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: TX

Complaint narrative:
The credit reporting companies are reporting addresses that are wrong that not mines they have some hard inquiries that I never did and the credit reporting company all three have incorrect information about my address and some closed accounts when I look at my credit report they have phone numbers on there that's not mine

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
I set up direct pay with Discover in their app and theyre not withdrawing my funds as a payment.

Company response to consumer: Closed with explanation