vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Avid Acceptance, LLC
State: OH

Complaint narrative:
I have tried several times for the life of this loan to gain access to a billing statement with AVID ACCEPTANCT. I never receive one. Anytime I have asked an employee to fix it so that I get a copy of a bill sent to me monthly, they recap my address and do nothing else. Even after several failed attempts at asking for help in gain access to my account information via a billing statement, I still never received one. I have not received a billing statement for the past 1.5 years. 

I can never seem to gain access to my account via their web address. Even if I change the password it still doesn't work. I always have to pay my bill by bypassing gaining access to my account and entering an account number and the amount due in hopes that its posted to my account. I can not see if it has been posted to my account because I don't have access to their website and I NEVER receive a bill. 

As a consumer I should be able to have access to : 1. How much my payment is for 2. How much of my payment is paid in interest 3. How much of my payment is paid to principle 4. How much is left on my loan to pay it off. 

The financial company is extremely annoying and does not abide by CFPB laws.

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 2023-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I am successor in interest as administratrix of the estate of XXXX XXXX. I provided my court documents and received a letter from NewRez 's agent, XXXX dated XX/XX/2023 that I was confirmed as successor in interest and was entitled to submit requests for information and for a payoff statement with respect to the mortgage account of XXXX XXXX. 
The home had a contract for sale set to close on XX/XX/2023. The settlement firm/title company requested a payoff statement ( which they tell me is usually provided to them immediately upon request ) on XX/XX/2023. They were unable to obtain a payoff statement and notified me on XX/XX/XXXX. I tried to request a payoff statement on line on XX/XX/XXXX, and got a message something like " error try again later. '' I called on XX/XX/XXXX, and found out that the servicer was changed in XXXX and I contacted the new servicer -Shellpoint. They have refused to talk to me saying their reviewers have not authorized them to talk to me. I have resent the estate documents- even though I was already confirmed as a successor in interest. As agents of NewRez, it should not be my problem that they did not transfer the information correctly. I have called every day, multiple times and continue to be denied a payoff statement. The representatives of Shellpoint say I am not authorized on the account and they can not provide any information - including what documents are needed so that I can be authorized. It is now XX/XX/XXXX and I do not have a payoff statement. This is a violation of 12 CFR Se. 1026.35 which requires the servicer to provide a payoff statement within 7 days. New Rez 's failure to provide the payoff statement has put the sale of the home in jeopardy since the contract requires a closing on or before XX/XX/2023. I am continually told by the representatives of Shellpoint that it will take XXXX hours, then XXXX days, today ( 13 days from the first request ) I was told it will take at least 2 more days for the review of the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
PERSONAL INFORMATION NEEDS TO BE : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX IA XXXX EMPLOYER : NONE PHONE NUMBER : XXXX EMAIL : XXXX SPOUSE : NONE AND ANYTHING ELSE NEEDS TO BE DELETED ON EXPERIAN, 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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent transunion more than several letters of the inaccurate and derogatory statements on my credit report Copyright laws my appelation is private and not to be used at all they are violating my human rights Copyright law, as defined in Title 17 of the United States Code, protects " original works of authorship fixed. XXXX XXXX XXXX is copyright 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

Fines for using my property, selling, trading, and marketing will cost each corporations {$1000.00} and or pay for arbitration! 
15 U.S. Code 1681n - Civil liability for willful noncompliance

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: AR

Complaint narrative:
First National Collection Bureau , Inc keeps contacting me via email ( usually filtered through as SPAM ) in an attempt to collect for XXXX XXXX XXXX on a debt that is beyond the Statute of Limitations as stated in their own collection attempts : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX XXXX XXXX can not sue you for it. If you do not pay the debt, XXXX XXXX XXXX XXXX XXXX may [ continue to ] report the debt to any credit reporting agency for as long as the law permits this reporting. First National Collection Bureau , Inc. can not sue you on this debt and First National Collection Bureau , Inc. can not report this debt to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making certain payment on the debt or making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. '' Thier own reference number is : XXXX Account is listed as : Original Account # : 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 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX I received a notice from Bank of America that the credit line on my BOA XXXX card had been reduced from {$29000.00} to {$20000.00}. The primary reason stated for this decision was a late payment the previous month that resulted from a clerical error on my part ( I scheduled an online payment for XX/XX/XXXX instead of XX/XX/XXXX ), which I corrected as soon as I was made aware of it ( XX/XX/XXXX, XXXX day before their decision ) by paying the entire current and past due balance plus an additional sum. 

I called BOA 's customer service line on XX/XX/XXXX, and after spending 40 minutes on hold, spoke with a representative named XXXX who forwarded me to a representative named XXXX XXXX. XXXX offered to submit a " reconsideration '' on my behalf, which was denied, due in part to a " recent line reduction or cancellation of a BOA account '' ( the account in question is the only one I hold with BOA, so in essence the request was denied based on the very action that I was disputing ) .I was ultimately transferred to another representative named XXXX XXXX who resubmitted the same request, and informed me that it had again been denied. 

In sum, BOA reduced the credit line on a longstanding account ( active since XXXX ) by nearly one-third without any prior notification, based on a clear clerical error of which I had not been notified, exactly one day after I corrected the error and rendered payment in full. I subsequently contacted the company to attempt resolution, spoke to three different representatives, made two separate reconsideration requests, and was denied each time.

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 monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
by the law that requires that everything that I do not recognize be disputed and deleted if my credit report, therefore, I have already disputed these addresses that I do not recognize with the Experian agency and they have not yet resolved the problem of deleting addresses that I do not recognize and have not experienced either. in none of them, therefore these addresses are a subject of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not given consent nor did i authorize or benefit from the inquiries on my consumer report. 

FCRA 15 USC 1681n ( b ) Civil Liability for willful and non compliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have request a investigation of Midland Credit Management account on my credit report. The charge -off of an obligation with Midland Credit Management is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2023 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Subject : Immediate Action Required : Escalated Complaint - Account Freeze I am writing to express extreme dissatisfaction and concern regarding the ongoing freeze on my Citibank account. During my employment with Citibank from XXXX to XXXX, there was a delay in depositing the XXXX company matching contribution, which was only deposited in XXXX of the following year. In XXXX, Citibank established an XXXX account to manage these funds. 

Recently, I was advised to complete paperwork labeled " simplified banking, '' which I promptly submitted. On XX/XX/XXXX, after being assured that all documentation was complete and approved, a representative promised that the freeze on my account would be lifted. However, on XX/XX/XXXX, I was informed by another representative that a missing piece of information was preventing the account 's unfreezing. Surprisingly, I received no communication from Citibank regarding this missing information, and I was told that it's not customary for them to contact customers for such matters. I immediately provided the missing information as requested. 

After multiple conversations with supervisors, including XXXX and XXXX on XX/XX/XXXX, I was assured of an expedited resolution and advised to call back on XX/XX/XXXX, to confirm the freeze 's removal. However, as of my recent call on XX/XX/XXXX, the freeze persists despite the assurances given. 

The lack of accountability and the continuous delays in resolving this issue are unacceptable. I have diligently complied with all requests and engaged in numerous follow-ups to resolve this matter, yet the freeze remains unresolved. 

I urgently request immediate action to rectify this matter and remove the freeze from my account without further delay. Furthermore, I seek clarification on the steps being taken to expedite this resolution and ensure adherence to Citibank 's standard procedures. 

I expect a prompt and detailed response outlining the resolution process for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Recently, Chase Bank became the services of my home loan. I live in a flood zone and maintain flood insurance as required. However, a monthly escrow payment is included with my mortgage payment in order to satisfy the contracts and regulations requirements for maintaining current and adequate insurance, this includes flood insurance. Chase failed to pay XXXX {$950.00} upon renewal notice for my flood policy. A notice of force placed insurance was sent to me requesting evidence of adequate insurance. However, this is Chases responsibility. On XX/XX/23 I contacted their customer service and was advised that an overnight check would be sent to XXXX to satisfy the payment and renewal my policy. Regrettably, this only resolves the matter of a lack of payment but does not resolve my genuine concern for the root cause of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My credit reports are showing late payments from XX/XX/2022 for my XXXX Account. I have always paid this account on time as agreed, and the late payment is inaccurate/incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: NY

Complaint narrative:
In the month of XXXX of XXXX, my account was closed with Self, a credit boosting firm offering to boost my credit score by being solicited with them. The eventuality would be like as if I got a loan, and paid it off. But in essence they don't give you a loan, all they do is give you a payment schedule as if you have a loan with them, and then ruin your credit if you miss certain payments. In New York around about the time of XXXX of the same year, a pandamic struck and we were under orders to not go out even our houses, and work. Due to this nature I was stuck with not being to be gainfully employed and then reported for a number of delinquent accounts which are now resting in my credit portfolio owned by the major credit companies, ( the big three ). Due to the nature of the pandemic caused by Covid-19 and the ensuing realities of the lockdown and the inability to work ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'd like full correction to my credit report to reflect this unsettling ordeal that we experience. This action taken by both the Self company, and XXXX and the other credit report agencies has hurt my ability to function. I always paid my accounts and when looked into they all stopped due to the covid-19 reality..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
They reduced all my citi credit limits without any prior alert and that affected my credit score negatively.

I have never been late making any payment

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