vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-03 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: LEXISNEXIS
State: IL

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus and Or XXXX Lexus verify my bankruptcy as 100 % Accurate. Whats the procedure? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. How did you verify information that I gave no permission to be made? How did you verify information when the court said they dont give out that type of information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
On XXXXXXXX  I submitted a dispute, using equifax online portal, regarding some inquiries that I did not authorize. The company is saying they verified these inquiries, but did not specify how they researched these unauthorized inquiries. These inquiries are damaging my credit file and they are not removing them as they should. These inquiries are unverifiable and they can not prove that these are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: IN

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE NOT MINE .PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES.

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 2023-06-03 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: PA

Complaint narrative:
XXXX XXXX XXXXk Account # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In accordance with FCRA 605 B 15 USC1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I was alerted by XXXX XXXX on XX/XX/2023 that I owed {$2400.00} in collections by Midland Credit Managemen. I contacted Midland Credit Managemen and they said they knew nothing about that account and they kept telling me they would connect me to claims department and when they do the agent stated they are having difficulty from there side, they also asked me for my full social and still didn't found any charge made from there side, I called 3 times on that date stated above and I also called today XX/XX/2023, Because of that XXXX points drop from my score on XXXX XXXX, I'm frustrated and I don't know what to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: ND

Complaint narrative:
I had a Credit card from XXXX XXXX. Due to financial problems I stopped paying on the card in XX/XX/XXXX. XXXX XXXX XXXX  ( XXXX ), XXXX. 
Account Number XXXX XXXXXXXX. Portfolio recovery took over the collection on it, they changed the date to XX/XX/XXXX as last payment. They also changed it on the credit report to look like a loan and has a payment arrangement so they don't have to abide by the statute of limitation. This is 6 years in the state of Utah. XX/XX/XXXX. They are actively presenting it as a loan they have arrangements to be paid on. I have never talked to them or have made any arrangements or agreement. Thes are 100 % false dates and have illegally changed it to a loan to avoid Fair credit consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: FL

Complaint narrative:
I am writing to bring to your attention a matter of utmost importance regarding my credit report. As a responsible and diligent consumer, I have recently issued a properly written check to XXXX XXXX XXXX XXXX XXXX XXXX ), hereinafter referred to as the payee, to fulfill my financial obligations as outlined in our agreement. It has come to my attention that the aforementioned account is still reflecting on my Experian credit report, despite the fact that the check has been processed and the payer must honor the terms of our agreement. Experian confirms they have completed two investigations for this account. No forms or methods of verification have been issued. Experian refuses to open a new dispute without additional evidence. I have provided evidence in the form of the legal contract ( check ) and bank statement reflecting the check processed. Experian has conducted two investigations within a 72-hour time frame, which means a thorough investigation was not conducted!! 

I want to emphasize that the XXXX XXXX XXXX ( XXXX  ), which has been adopted in the state of Florida and throughout the United States, designates checks as legally binding documents when properly executed. As such, the payee is obligated to honor the check as a means of payment, and any associated obligations or debts should be considered satisfied. 

The XXXX clearly establishes the legal validity of checks, and it is crucial that you uphold the principles outlined in this widely recognized code. Failing to do so not only violates my rights as a consumer but also undermines the integrity of the credit reporting system.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE SOME INQUIRIES ON MY REPORT THAT DONT BELONG TO ME

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 2023-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HONG LAN SERVICES, INC.
State: NY

Complaint narrative:
On XX/XX/2023 I was present at Hong Lan Money Transfer, Hong Lan Services , INC. located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX utilizing their international money transfer services. Total of XXXX $ was to be sent to my family overseas, with additional fee of XXXX XXXX The next day XX/XX/2023 the facility/store front was closed and under investigation. We tried contacting the headquarters Hong Lan Services , Inc. at XXXX XXXX XXXX, XXXX XXXX, XXXX, at XXXX. They were unable to help me and suggested that I make a complaint even though the NY, XXXX branch was part of their company.

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 2023-06-03 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: HF Holdings
State: NJ

Complaint narrative:
During pandemic we couldnt keep up with rent and the landlord evict me, wife and XXXX kids because we owed XXXX months on prime pandemic. He had us in court but XXXX told him he had no case because we was not on apartment anymore. He saw me XXXX week ago with my vehicle and now am recieving calls from a debt collector telling me that if I dont answer in 24 hrs my credit and my wife credit will be damage. He told me that he nows I have a new vehicle and assets the will be taken away.

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 2023-06-03 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: PA

Complaint narrative:
XXXX XXXX XXXX  Account # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In accordance with FCRA 605 B 15 USC1681 C-2

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 2023-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
ON XX/XX/2023 I APPLIED FOR A MORTGAGE FORBEARANCE WITH LOAN DEPOT. I CONTACTED THEM EVERY MONTH TO KNOW THE STATUS OF MY APPLICATION AND THEIR ANSWER WAS THAT THE APPLICATION WAS IN PROCESS. IN XXXX I DECIDED TO SELL THE HOUSE BECAUSE I WAS SCARED OF LOSING THE HOUSE. I NEVER RECEIVED A DECISION FROM LOAN DEPOT. TODAY XX/XX/2023 I CONTACTED LOAN DEPOT TO SEND ME A STATEMENT WHY THEY TOOK 5 MONTHS TO COMPLEATE MY APPLICATION AND THEIR ANSWER WAS THAT THEY DON'T ISSUED STATEMENT FOR THIS KIND OF REQUEST. THEY CLAIMED THAT I SUMMITED THE APPLICATION IN XXXX WHICH IS A FALSE STATAMENT PLEASE SEE ATTACHMENTS. I BELIEVE LOAN DEPOT ACT IN BAD FAITH TAKING MONTHS TO TAKE A DECISION FOR MY APPLICATION. LOAN DEPOT TOOK THE NEXT STEP TO DAMAGE MY CREDIT. PLEASE CHECK THE EMAIL ATTACHMENT WHERE I RESEND PAGE NUMBER 2 IN XX/XX/2023. LET 'S ASSUME THEY RECEIVED MY APPLICATION IN XXXX, THEY TOOK XXXX, XXXX AND XXXX AND STILL NO DECISION WAS TAKEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention an issue I recently encountered with my Chase checking account, which requires your prompt attention and resolution. 

On Thursday, XX/XX/2023, I utilized my Chase checking account to transfer {$110.00} to a friend through XXXX ( Chase Quick Pay ). To my dismay, I discovered on Friday, XX/XX/2023, that two separate transactions of {$110.00} were processed and sent to my friend via XXXX, despite the fact that I only authorized a single payment. It was evident that a duplicate transaction had occurred without my consent or intention. 

In light of this error, I would like to acknowledge Chase bank 's efforts to rectify the situation. On Saturday, XX/XX/2023, I observed that the duplicated transaction of {$110.00} had been reversed from my Chase checking account. While I appreciate the swift resolution, I believe it is imperative to report this incident to the Consumer Financial Protection Bureau ( CFPB ). My objective in doing so is to prevent similar instances from happening in the future, especially when individuals are making important payments such as rent. 

I kindly request your assistance in thoroughly investigating this matter and ensuring that appropriate measures are taken to prevent the recurrence of such errors. It is essential to maintain the integrity and reliability of banking transactions, safeguarding the interests of customers like myself. 

Please acknowledge receipt of this complaint promptly and provide me with an update on the actions taken to address this issue. I trust that Chase bank, being a reputable financial institution, will handle this matter efficiently and with the highest level of professionalism. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The company did not post a payment for eight months. Continue to charge late fees and finance charges. Please credit my account {$80.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Around XX/XX/2023 I noticed that my card was charged multiple times without my knowledge or authorization. I spoke with the fraud department and let them know that my card was stolen and that I did not make the transactions on the account. A couple of the transactions were done out of the Country which I had not traveled out the country. The rep told me that they would credit my account and do their investigation. A few weeks later I received a letter stating that they did not find any errors and reversed the credit. On XX/XX/XXXX I called Navy federal and spoke with a different rep and she told me that I could put in for a 2nd review which I did. I asked them in my digital message to send me what they actually did for their review and that I am not liable for any charges that I did not do so I don't understand why they reversed the credit. A week later they reversed the credit again and now are saying that I am liable for all the charges. This is for my business credit card with Navy Federal credit union. I've been a customer with Navy for years and never had an issue. Total amount of charges {$24000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi is continuing to disregard my complaint. This is an ongoing problem per previous complaints made to CFPB. Their last response was trying to placate me by adding points to my account. I would like this resolved once and for all. Citi is now attempting to withdraw the resolved amount of {$4900.00} from my account even though they said they are working on correcting the problem. This problem has gone on for more than a year. I am wit ends and do not know what to do about this. I've attached a current statement. My bills are set to pay in full every month. My purchases show {$2600.00} as charges for the month of XXXX. Citi is trying to withdraw that plus the resolved amount ( {$4900.00} ) and interest. They added this interest because I stopped them from withdrawing that amount from XXXX. They said you can adjust the autopay and Citi will not charge interest while they supposedly working on the problem. On my last CFPB complaint, I showed proof that I paid the {$4900.00} double credit on XX/XX/2023.

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 2023-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX XXXX  a debt collector ( who did not identify himself ) came to my daughter house. This debt collector has never been to my home to attempt to collect this debt and clearly stated that he new this was a family members house and not my home. He aggressively and repeatedly asked my daughter to call us on the phone and stated she could hear everything! This man harrased my child and part of this is on her XXXX XXXX! I called m and t bank  with no resolve and the manager act as if this was not intentional and Inappropriate actions! I made the manager XXXX XXXX of M and T  bank fully aware I felt harassed and this guy was not a XXXX XXXX driver he was in a regular XXXX! And approaching my daughter home she was very scared and uncomfortable with the entire process! No resolve on there part!

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 2023-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
I refinanced and my mortgage was sold to BSI financial. Initially, I used their online services to pay my mortgage but the system was unreliable and I would miss mortgage payments. I switched over to my bank to pay the mortgage. This initially worked but in XX/XX/XXXX, they increased the mortgage due to an escrow shortage. I didnt want to pay more on my mortgage so I sent monies to cover the escrow shortage. I spoke to a BSI contact and was told that the money I sent would be added to the escrow and I can continue to pay my original mortgage amount. This did not work out as planned. BSI didnt apply the monies to the escrow shortage so each of my monthly payments were short. I called BSI repeatedly even paid additional monies to get the money to the escrow shortage and still the problem continued. Finally, i decided to just pay the new mortgage amount to stop the insanity. Now, they are saying I only paid a portion of my XXXX mortgage and they want the remainder. My bank records show the full amount was paid. In fact, my bank records will show all my efforts to work with BSI. I have asked them repeatedly to sell my loan but to no avail. I see they were fined in XXXX for similar issues. Just note the problem continues. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The following information is information excluded from the definition of CR under FCRA : ( i ) Transaction or experience information including the customers account history with a company, the length of time a customer has held a credit card with the issuer, the number of times a consumer has been late in making payments on a credit card, and the average monthly balance in a consumer account ( LATE PAYMENTs reported on my Consumer Reports are ILLEGAL ) XXXX/XXXX  XXXX  is illegal reporting late payments

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