vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 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:
On XX/XX/2023, I sent a letter to all XXXX credit agencies about a particular item on my consumer report. This item is an alleged debt from my old apartment that I am currently in a lawsuit against for having my family and I inhabitating a unit with black mold. I sent proof that this was retaliation against my family and I because we obtained an attorney. However that debt is still on my consumer report on all XXXX credit bureaus. On top of that I called in on XX/XX/2023 to each credit bureau XXXX, equifax, and XXXX  to dispute other items off of my consumer report that I was either unaware of or old charge offs however they are still there. It has come to my attention that my rights as a consumer have been violated on many levels. According to the USC 15 1681 ( a ) ( b ) and also USC 15 ( 94 ) I have the right to privacy and also consent which my privacy has been violated by having old addresses, phone numbers, and late payments ect.. Also I Did Not consent to any of these things on my credit report I control my report not the other around. All of these items that are on my consumer report from XXXX parties old debts and also the rental property has caused me and my family extreme hardship we are forced to live in an area that is not conducive to our lifestyle I can't get certain credit cards so that I can accommodate my family 's lifestyle. Constant phone calls from XXXX-party companies anxiety and stress I am very upset and frustrated this grave omission has undermined my confidence in these bureaus I know longer want personal information on my report as well. I will be taking this as far as I need to take it until all XXXX bureaus have done right by my consumer report and myself. Thank you for your time I will be looking out for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
This has been going on for at least 6 months. 
I've complained to the company, not fixed. 
I've complained on here, not fixed. 
I'm complaining again. 
There is absolutely NO WAY to use their website. This is a programming error on their end, not mine. It is not a forgotten PW or log in or anything. 
When you successfully login, their site throws up a choice for your 1098 : " Get your annual Mortgage Interest Statement ( 1098 ) as soon as it is available! Choose " Go Paperless '' to get secure online access today. We'll notify you when your form is ready to review. '' It does NOT matter which of the 2 choices picked, Go Paperless, Keep Settings. 
Both throw up the SAME error, which lets you go no further. 
" HTTP Error Response '' " Error 400 '' I'll send the screenshot too. 

It is not my computer. 
It is their website. 
I have now attempted to use XXXX XXXX, XXXX, XXXX, that's 3 different Internet browsers. 
None work. 
I've tried 3 cellphones and 1 tablet.

None work.

I've tried 3 laptops, 2 desktops, and even desktops and internet suppliers from outside my house. 
None work. 

So I can't pay my mortgage. 
I can't view ANY of my mortgage history, nothing. 
I certainly can't view the 1098. 

I've called numerous times, of course the XXXX is working from home, they don't know anything about programming a website, so they say it will be fixed soon. 
I first noticed this in XX/XX/2022. 

In addition, their own app on XXXX XXXX gets rated a XXXX, it doesn't work either! 
When you login, the circle just spins endlessly. 
Those complaints go back 2 years. Not fixed. 

Right now, I'm trying to pay my mortgage for XXXX. 
It's not possible. 
Their site doesn't work and it hasn't worked. 
I do not currently have access to a phone. 

Also, loan STILL says XXXX XXXX - whose name was removed by a Court Order MONTHS ago. 
I've complained about that too. 

Still NOT FIXED. 

So their Customers can not view payments, history of payments, any 1098, any bills, any paid bills, there is no way to communicate with them except by phone, they used to have an Instant Chat but that is gone.

Their website throws up a Error 400, HTTP Error after you log in. 
It is 100 % their fault, nothing the Customer can fx. 
And I've complained on here, via their XXXX email, and by phone - It is still NOT FIXED. 

I currently have no way to provide payment for my mortgage.

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 2023-02-02 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: National Credit Systems,Inc.
State: OH

Complaint narrative:
moved out of a home and was charged bogus fees. the company added extra things and tried to charge for preexisting issue. the company was previously reported to hud for not allowing me to move to a different home i think these cahrges are based on retaliation to those fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Chime Bank has closed my account for absolute no reason. 

I have banked with them for 3 years and out of nowhere received an email stating my accounts were closed. I called and was told to send an email to customer service in which I did, a rep emailed me back and said someone will follow up with me. I havent heard anything back, now i am left with no bank account and no money for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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. 

Account name : # XXXX XXXX XXXX XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  XXXX XXXX : {$170.00} has violated my rights. 

Account name : # XXXX XXXX XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$680.00} has violated my rights. 

Account name : # XXXX XXXX XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$680.00} has violated my rights. 

Account name : # XXXX XXXX XXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$560.00} has violated my rights. 

Account name : # XXXX XXXX XXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$380.00} has violated my rights. 

Account name : # XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE : {$1500.00} has violated my rights Account name : # XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE : {$1200.00} 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 1681c. ( a ) ( 5 ) Sectio
n 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 explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This report/complaint is about the named RESPONDENT : CONSUMER FINANCIAL PROTECTION BUREAU XXXX 

Breached Fiduciary Duty to REMOVE false-fraudulent-derogatory-damaging information published in Consumers credit profile, for more than 3-years. 

Respondents ( collectively ) have a fiduciary responsibility ; to act impartially in good faith ; perform the highest duty of care and due care to XXXX, to prevent injury/damage. Respondents ; by and through its Agents BREACHED its fiduciary responsibility and are in default ; consistently engaged in breached fiduciary duty, negligence, unconstitutional conflict of interest, fraud, retaliation, and criminal conspiracy. 

See attached : FINAL NOTICE - NOTICE OF DEFAULT AND OPPORTUNITY TO CURE Service is perfected ; served via https : //portal.consumerfinance.gov/consumer/s/complaint-description? 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 2023-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
This MEDICAL debt was part of a car accident. I PAID EVERYTHING as of 2018. They are trying to collect AGAIN. I have called and they were VERBALLY ABUSIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Long story that happened about 14 years ago. CitiFinancial took out a consolidation loan and signed me as the co-signer without my permission. They used my information from a previous loan application. The loan was not being paid, so than they decide to perform an illegal charge - off through the IRS on my 2017 taxes. This triggered an IRS audit of my taxes since I refused to pay taxes on a loan I have never received. The IRS is non-compliant since XXXX. I have stacks of letters from the IRS, they send me each month saying they are looking into it. I sent letters to CitiFinancial to remove the charge-off or be sued. This is all similar to what XXXX XXXX did by using customer signatures to sign them up for products they were unaware.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2023 I sent a certified letter to JPMCB stated on the account as Chase. I requested that they send me information in the amount allegedly owed reporting negatively on all three credit bureaus. I wanted to make sure the amount is accurate and how they came up with the amount. Chase Bank sent me a letter dated XX/XX/2023 stating that they had all my documents and they would send them to me. 
Chase bank then sent me another letter on XX/XX/2023, stating that they did not have all the information I needed to complete an investigation. However, they made updates on my credit report after stating that they didnt have any information on my account. They also sent another letter without a chase letter head containing my personal information along with an account number. They are asking me for a credit report as if they dont have access to it. They are reporting to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: OK

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have auto loan with Wells Fargo and I alway do my payment on time ( 2 days early of that I have to pay ). I was looking on my statements and for interest they are charging me different amounts and payments same different amounts. every month is different amounts of interest and payment for the auto loan.

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 2023-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
There are numerous inquiries that were not me. 
They are attached to this complaint and I have placed an x beside each one that is unauthorized. I have never even heard of most of these placesz

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 2023-02-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/2022 a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a {$500.00} dollar credit card was used and left a {$740.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I made a cash advance of {$600.00} on XX/XX/2022 which the company attempted to deposit on a closed account even though I put the new account on line they told me it was a mistake on my part, I never received the money, the bank which is the XXXX XXXX  informed me that the transaction dod not go through since the account has been closed since XX/XX/2022 and the money was returned to the sender which is Upgrade, I've called Ugrade XXXX times ( may be more ) and emailed them too, they asked me to submit a bank statement showing the account is closed which I did and followed it up with another phone call I was told some one will call me in XXXX XXXX with the result that was XXXXXXXX XXXX ago, the {$600.00} is posted on my account as deliquent there was a payment due on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The purpose of this letter is to address an issue that I am currently experiencing in regard to late payment reporting. I attempted to resolve this matter with customer service to no avail. On XX/XX/XXXX, I received notification from my credit monitoring services that I had a late payment reported by XXXX XXXX. 

Late Reporting Issue On or after XX/XX/XXXX, I requested a XXXX payment deferment granted by a customer service rep at XXXX XXXX XXXX Upon receiving my statement, I noticed that the agreed payment deferral had not been applied to the account, so I made a payment immediately, and it was made before the statement closing date. 

Thereafter, I reached out to XXXX XXXX regarding the deferment, and I was told that I had received the wrong information and that the payment deferment had never been applied. Since then, I have paid my car note every month before the XXXX late period. I made a payment on XX/XX/XXXX, in the amount of {$1600.00} by auto debit from XXXX XXXX. 

My XXXX XXXX statement due date is the XXXX of each month, and this payment was made before the due date. I have attached proof that I was not XXXX days late, and I am requesting an immediate update to all three bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The purpose of this letter is to address an issue that I am currently experiencing in regard to late payment reporting. I attempted to resolve this matter with customer service to no avail. On XX/XX/XXXX, I received notification from my credit monitoring services that I had a late payment reported by XXXX XXXX. 

Late Reporting Issue On or after XX/XX/XXXX, I requested a XXXX payment deferment granted by a customer service rep at XXXX XXXX XXXX Upon receiving my statement, I noticed that the agreed payment deferral had not been applied to the account, so I made a payment immediately, and it was made before the statement closing date. 

Thereafter, I reached out to XXXX XXXX regarding the deferment, and I was told that I had received the wrong information and that the payment deferment had never been applied. Since then, I have paid my car note every month before the XXXX late period. I made a payment on XX/XX/XXXX, in the amount of {$1600.00} by auto debit from XXXX XXXX. 

My XXXX XXXX statement due date is the XXXX of each month, and this payment was made before the due date. I have attached proof that I was not XXXX days late, and I am requesting an immediate update to all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The purpose of this letter is to address an issue that I am currently experiencing in regard to late payment reporting. I attempted to resolve this matter with customer service to no avail. On XX/XX/XXXX, I received notification from my credit monitoring services that I had a late payment reported by XXXX XXXX. 

Late Reporting Issue On or after XX/XX/XXXX, I requested a XXXX  payment deferment granted by a customer service rep at XXXX XXXX XXXX Upon receiving my statement, I noticed that the agreed payment deferral had not been applied to the account, so I made a payment immediately, and it was made before the statement closing date. 

Thereafter, I reached out to XXXX XXXX regarding the deferment, and I was told that I had received the wrong information and that the payment deferment had never been applied. Since then, I have paid my car note every XXXX before the XXXX  late period. I made a payment on XX/XX/XXXX, in the amount of {$1600.00} by auto debit from XXXX XXXX. 

My XXXX XXXX statement due date is the XXXX of each XXXX and this payment was made before the due date. I have attached proof that I was not XXXXXXXX XXXX late, and I am requesting an immediate update to all XXXX bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation