vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
The American Honda Finance acct that appears on my credit files at XXXX and XXXX is inaccurate and inconsistent, despite these credit reporting companies claiming they have verified the account as accurate. I have attached my credit reports to this complaint and have highlighted the inaccuracies and inconsistencies. In addition, this account was charged off and reported to the irs as a loss by American Honda Finance in which the IRS deems this account as taxable income on my part. Thus i am due a 1099c so i can file taxes on this income which to date i have not received from AMERICAN HONDA FINANCE. Income SHALL not be reported to my credit report. Due to XXXX and XXXX negligence to properly investigate a file before it is placed on my report, this income is incorrectly appearing on my credit file. i have ALSO requested per section 623 all the information regarding this account from AMERICAN HONDA FINANCE including an original contract with my wet signature, the original amount of the vehicle, and various other financial details of this account as i would be able to compare with my records and to date, i have not received any correspondence from the company. i requested this information via written mail and by signature on receipt mail of which i have attached proof that it was received on XX/XX/2022. it is beyond the allotted fcra given time that i am to receive a response ; thus this account should have been deleted because the information i requested was not given in the time frame allowed.in addition, this account ended in repossession and by law AMERICAN HONDA FINANCE has the responsibility to provide me with certain documentation about the repossession, auction location, after auction sales bill, the amount the vehicle was sold for and any surplus amount and etc. this is per new jersey state law where the vehicle was repossessed and i NEVER received any of these required documents, hence making this charge off ineligible for collection activity or reporting to my credit files, as a deficiency can not be claimed if these post repossession laws are not followed. This account is an all-around inaccurate account and i request its removal from my files immediately due to neglience on behalf of XXXX XXXX and american honda finace to follow fcra, truth in lending, new jersey UCC codes and FDCPA regulations rules and laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The XXXX XXXX XXXX acct that appears on my credit files at experian and equifax is inaccurate and inconsistent, despite these credit reporting companies claiming they have verified the account as accurate. I have attached my credit reports to this complaint and have highlighted the inaccuracies and inconsistencies. In addition, this account was charged off and reported to the irs as a loss by XXXX XXXX XXXX in which the IRS deems this account as taxable income on my part. Thus i am due a 1099c so i can file taxes on this income which to date i have not received from XXXX XXXX XXXX Income SHALL not be reported to my credit report. Due to experian and equifax negligence to properly investigate a file before it is placed on my report, this income is incorrectly appearing on my credit file. i have ALSO requested per section 623 all the information regarding this account from XXXX XXXX XXXX including an original contract with my wet signature, the original amount of the vehicle, and various other financial details of this account as i would be able to compare with my records and to date, i have not received any correspondence from the company. i requested this information via written mail and by signature on receipt mail of which i have attached proof that it was received on XX/XX/2022. it is beyond the allotted fcra given time that i am to receive a response ; thus this account should have been deleted because the information i requested was not given in the time frame allowed.in addition, this account ended in repossession and by law XXXX XXXX XXXX has the responsibility to provide me with certain documentation about the repossession, auction location, after auction sales bill, the amount the vehicle was sold for and any surplus amount and etc. this is per new jersey state law where the vehicle was repossessed and i NEVER received any of these required documents, hence making this charge off ineligible for collection activity or reporting to my credit files, as a deficiency can not be claimed if these post repossession laws are not followed. This account is an all-around inaccurate account and i request its removal from my files immediately due to neglience on behalf of XXXX equifax and XXXXXXXX XXXX XXXX to follow fcra, truth in lending, new jersey UCC codes and FDCPA regulations rules and laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB I am writing this letter to complain that XXXX credit cards treat users differently when credit cards are stolen and user information is stolen. 

Recently, many users ' XXXX credit cards have been stolen, and their user information has been stolen. I also experienced the same thing, and immediately replaced it with a new card. 

For this incident, XXXX compensated the user by paying XXXX points to keep the user, but I experienced the same thing, but did not receive the compensation notice. I have contacted XXXX customer service and they said they are not aware of this. 

hope help i want compensation back

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 2023-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is about BoA not living up to their promises, as usual. I contacted them by phone numerous times ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX ( supervisor ) on XX/XX/XXXX ) as well as through XXXX, to report on a late bill payment for which I was charged a late fee. XXXX opened a XXXX # XXXX on XX/XX/XXXX, When I spoke to XXXX on XX/XX/XXXX, she said that the request had been denied. When I asked why, she could not figure out then said that the case did not have the details. So, she re-created the case. Their Bill Payment message ( on their website ) indicates that delivery date is when the payee receives payment, and if they do not, then BoA is responsible for any late fees incurred. I was on a call with XXXX ( supervisor ) on XX/XX/XXXX. He said that the payment gets posted 1-2 days later, which directly contradicts what BoA states on your website. 

They owe the late payment fee to me which the payee has assessed on my 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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed 3 unauthorized XXXX charges on my Chase checking account.The 1st transaction occurred XX/XX/XXXX in the amount of {$350.00} ; This charge declined. 
On XX/XX/XXXX there were two additional charges. Ive listed the info below for your review : Date XX/XX/XXXX {$490.00} XXXX XXXX, {$700.00} XXXX XXXX. 
I was told by the Chase representative that the charges were sent via XXXX, a feature/app offered to chase customers deemed a fast and safe way to send & receive payment. XXXX, requires the Chase customer to enroll in the service. To date Chase has not provided the date ( s ) in a mm/dd/yyyy format I allegedly enrolled in the program. Chase issued a provisional credit and retracted the credit. I continued to dispute these unauthorized charges but unfortunately To date, Chase has not returned my funds. Although my card number changed, I was recently told there was an additional transaction on XX/XX/XXXX in the amount of {$490.00} for someone named XXXX XXXX in New Jersey ). 
I am a senior citizen on a fixed income. I thought this issue was something Chase couldve assisted me with but to date they have not. 
Please help me locate the culprit that has caused additional stress, undue burden, and get my money back expedtiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Item ( The XXXX XXXX x XXXX down jacket ) was purchased on XX/XX/2022 for a total of {$2700.00}. Item was allegedly delivered on XX/XX/2022 and signed off by buyer. this is incorrect because buyer was not in the dwelling to receive the package. Buyer requested proof of signature to verify signee. Buyer reached out to merchant. Merchant did not provide any updates nor alternative solutions, besides " we'll look into it. Buyer unable to receive updates nor responses from merchant decides to escalate situation to creadit card company. Disputes have bene opening and closing without providing evidence nor a written statement providing a detail brief of what was found in investigation. Buyer simply gets email noting. dispute has been in favour of merchant. dispute keeps opening and closing without proof nor reaching out to buyer regarding outcome, nor answering buyer 's questions. Credit card company keeps saying they will investigate, but instead, dispute keeps getting closed and my evidence keeps getting taking down everything they close the dispute. credit card company has proof me reaching out to merchant, trying to receive answers. and merchant does not repond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed numerous times prior to no avail, late payments can appear on your credit report and stay there for XXXX years. Late payments remain on your credit reports for XXXX years from the original date of the delinquency, which dated back to XX/XX/XXXX on my report. The original delinquency date, seen on the attached Equifax credit report # XXXX, XXXX XXXX XXXX XXXXXXXX was on XX/XX/XXXX. This has passed the XXXX law for removal. Please see XXXX listed on page XXXX OF XXXX on the credit report. XXXX REPORTED DELINQUENCY is on page XXXX OF XXXX. Both section were highlighted for Equfax to review. I requested that Equifax to please follow the FTC Regulations of 30 days, to remove this creditor from my report permanently and to prevent further action. I attached a copy of the report with a letter. I sent it by certified mail. Equofax has alloewd XXXX to consistently abuse and used deceptive actions to create false information. They have gone as far as to place fake payments on my report. They removed all of the delinquencies dating as far back to XX/XX/XXXX, in an attempt to keep XXXX XXXX XXXX XXXX. listed on my report. Equifax took 5 days to review and concluded that their report which XXXX XXXX XXXX XXXX was correct. They did not send any correspondence by mail in reply to my dispute by mail. I spoke with Equifax on XX/XX/XXXX, was told that the creditor was correct, despite seeing a different date on their Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( XXXX ) XXXX, TRANSUNION, AND XXXX USES XXXX OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I am writing, as instructed by the customer service rep who I spoke to at XXXX XXXX Credit Card ( Comenity Bank ), regarding erroneous credit reporting and confirmation of reversals of several fees that I incurred due to Comenity Bank charging me a {$2.00} finance charge on my credit account AFTER I paid off a {$270.00} balance to bring the account to paid in full. This {$2.00} finance charge continued to build late fees without my knowledge, until I received a credit report decrease notification of XXXX points due to this situation. The XXXX XXXX customer service rep agreed that it was Comenitys error to not apply my full balance prior to the finance charge of {$2.00} which was applied to my account AFTER I paid the balance to {$0.00}. Due to Comenitys error, I had all the fees reversed, which I am enclosing with this letter, and I am now requesting that you completely remove the XXXX and XX/XX/XXXX and 60 day missed/late payment reporting on this account to all 3 credit bureaus and report as paid on time for all months since I opened the account in XX/XX/2022, as this is not right and not fair, since I paid the balance in full before the next statement was issued. I need this done immediately as my credit has now been damaged because of this error. Comenity reversing all the fees and my balance showing as a CREDIT showing $ XXXX just further supports that this was Comenitys error.

Please respond asap after you have removed all delinquent reporting to all three credit bureaus.I have opened two disputes on this matter with XXXX, but all I get is that it has been " UPDATED '' but does not show the removal of the 30 and 60 day late reporting, which I need REMOVED from all three credit bureaus. I have perfect credit aside from this nonsense and I need it fixed ASAP. I have paid as agreed and to {$0.00} back in XXXX XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) EQUIFAX, XXXX, AND XXXX USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE XXXX XXXX ASSETS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
It is Nationstar/Mr. Cooper 's policy not to correct an error in the CFPB rule and RESPA and allow their local counsel refuse to allow a correction. See attached XX/XX/XXXX response to the following complaint made over 6 times since XX/XX/XXXX : XX/XX/XXXX Nationstar accepted the amount of {$170000.00} from me. XX/XX/XXXX, Nationstar refused to credit the full amount of interest collected from me and held {$14.00} of interest collected in a suspense account where it remains as of today XX/XX/XXXX, holding the loan open with XXXX XXXX as the current owner, 8 years after the loan was overpaid to Nationstar. See attached XX/XX/XXXX, Nationstar refused to credit my payment to them for lenders fees of over {$1900.00} and still holds the amount uncredited in a suspense account, without any proof of services these fees were originally collected for, leaving my loan open, and under paid. See attached. XX/XX/XXXX Nationstar over charged me for late fees collecting {$2800.00} when I only owed {$1500.00}, and made an inaccurate payment allocation of {$11000.00} that causes the appearance that I was late for 196 months. See attached. This conduct caused 6 years of repeated reporting that I was currently 120 days or more past due, repeatedly claiming I was under a partial payment agreement, with Nationstar as of today claiming their outside counsel will not allow for the suspense account to be emptied and amounts credited to what they were charged for. After 8 years, I can not apply for a residential loan because I can not explain why Nationstar claims I had XXXX  current payments on an XX/XX/XXXX Verification of Mortgage, nor can I explain why a suspense account is still existing, nor why the company refuses to fully credit my final over payment to the company accepted XX/XX/XXXX. I sent a notice of error XX/XX/XXXX to which I have received no response. I filed a complaint in XX/XX/XXXX with your agency and the attorney just emailed an account history proving my claims above without any correction at all. I sent a request for closure of the suspense account and inaccurate payment allocation of {$11000.00} to late fees in lines 81-86 and under credit of interest paid in line 95 on XX/XX/XXXX and have received no response. I have asked twice for proof of services for the uncredited payments for unearned fees held in suspense in lines 89-94 and the company has provided me with no proof of any services or nor have I received a certified copy of the checks claimed to have paid over {$1800.00} in non descript advances in XXXX This conduct violates 12 USC 2605 but 15 USC 1639 ( f ). As of today, I am not able to find relief in corrections that the law states no servicer shall refuse to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I wrote a questionnaire to executives at Ally Financial once i noted a few false and misleading statements on the alleged loan agreement when my automobile was first purchased at XXXX XXXX using an initial promissory note which by way of my signature/autograph gave full faith and credit. 

Ally Financial is in dishonor and is without a positive-performance-response for the following correspondences : - Certified Mail XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX. 
- Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- Registered Mail RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX. 
- Registered Mail RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Relations. 

On all the correspondences i specifically told the Executives i promise to pay the alleged debt and stay in honor yet i needed a few questions answered to achieve correctness and settle the matter for my court of records. 

It has been six months now and there has yet to be any responses to my questions. All i received from a po box non contracting venue is photocopies of the credit transactions i have made on the alleged car loan. 

I strongly believe that Ally Financial is hiding and/or can not provide any of the following details : 1. The origins of account number where the funds originated to purchase the car.

2. Who is the original creditor.

3. If the account has been securitised.

4. A true and certified copy, NOT photocopy of the original note under penalty of perjury with unlimited liability and confirm that this note has never been sold. 

I have stayed in honor by adding credits to this account as this matter is solved. 

I need full closure of this matter no later than 21 days.

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 2023-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Sold the house on XXXX with escrow balance approximately {$1900.00}. 
Mortgage company said they would send balance of escrow by check within 30 to 60 days. It will be four months on XXXX and still haven't received anything. Mortgage customer service continues to say wait for the check. Why is it taking so long?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/23 I sent EQUIFAX a certified letter asking them to remove the inquiries from both XXXX and XXXX and they still have not removed these fraudulent inquiries from my credit report. I also disputed XXXX other fraudulent inquiries at the same time which they deleted from my credit file but not these XXXX. No explanation was given to me as to why they did not remove these XXXX inquiries as I have proven to them they are fraudulent. XXXX even sent me a letter ( please see attachment ) informing me that they had reached out to EQUIFAX asking them to remove the fraudulent inquiry from my credit file and they obviously ignored XXXX. I sent this letter to EQUIFAX along with my identitytheft.org identity theft report and they did not follow the law and deleted these fraudulent inquiries.

Company response to consumer: Closed with explanation