vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
In trying to work out a resolution on my reverse mortgage/balloon payment, I made a {$4100.00} payment via wire transfer to SPS on XX/XX/23, just as they required me to do, yet the payment was never applied to my account. I've called them multiple times, uploaded a copy of my payment receipt to SPS on their website, just as they instructed me to do in order for them to provide assistance and research the payment, and still no credit. This proves the malicious intent of SPS to wrongfully proceed with foreclosure. I have offered them additional payments, submitted financial assistance/modification applications, called them, emailed them... what haven't I done in good faith? The most recent statement from them shows an amount due of {$6700.00}! Where is my {$4100.00} payment?????? I need help, please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened a new account and subsequently had my brothers XXXX  money into my account... mind you, my brothers, family, same last name. Once funds were received I proceeded to XXXX back {$100.00} back to my brother as well as a XXXX dollars to a friend..reason being I had not received my debit card so I was unable to actual book an XXXX, hence, me sending the funds to people who could facilitate for me... my account was locked after these attempts ... each time I contacted and went through the appropriate security protocols to authorize the transactions. At this point and at every subsequent " lock out '' there after, I was told to resubmit the transaction, which I did. Upon the last attempt my account was closed and my funds were seized and I was told they would no longer be available to me with no recourse for compensation. At the time of incident I had pending financial obligations that were limited to the funds, specifically a dentist appointment that was time sensitive. My account was closed on the basis of actions that were specifically dicated to me by the bank its self i.e. resend transaction. So essentially the same directives that were given to me are the same actions that premised the closure. But then, to ultimately seize my funds as well, is an egregious violation of any common sense under standing of any persons consumer rights. Additionally, I will be filing suit through the SOS states office for punitive damages for lose of monitory funds as well as time and being unconvinced. The attitude that was betrayed by the consumer representives was that they were too big of an institution to be held accountable. I beg to differ.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-02-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-02-27 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: PA

Complaint narrative:
Several disputes were made over the past two months, my last complaint was placed over the phone and now it seems as if it wasn't put all the way through because i am not getting updates. ALL INFORMATION AND POLICE REPORTS WERE SENT. At this point they are purposely not removing things nor sending in proof from the disputes from these alLedge creditors. I AM REQUESTING FOR A REMOVAL OF ALL THINGS I DISPUTED WITH TRANS UNION. ALL DOCUMENTATION WAS SENT

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I started off with a low interest rate on my PenFed Card. They have now increased the 29.24 % when my balance went up making it impossible to pay my balance off. It's ridiculous they're taking advantage of lower income households during this struggling economy.

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 2024-02-27 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: OH

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please see attached file

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-27 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: GA

Complaint narrative:
On or about XX/XX/XXXX I wrote and mailed equifax a letter to dispute inquiries on my credit report that do not belong to me. On XX/XX/XXXX I filed a dispute for the same issue online. Equifax refused to remove the inquiries and corresponded back to me via mail issuing a letter that doesn't belong to me. The person 's name is a XXXX XXXX. I have over the course of the last three months have mailed Equifax my drivers license and social security card three or four times and Equifax continues to correspond to me with another person 's name. They have also not began to process the dispute letter I mailed on XX/XX/XXXX. 

This is the third complaint for this issue that Equifax has failed to resolve. Equifax also continued to send mail correspondence in a name of XXXX XXXX which is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
How XX/XX/XXXX at XXXX XXXX XXXX I have lived in California for almost 20 years. I received the call from Transworld Systems Incorporated. 

I haven never done business with this company and downy know why they are calling. 

The phone number they called from XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I started off with a low interest rate on my Apple Card. They have now increased the 27.24 % when my balance went up making it impossible to pay my balance off. It's ridiculous they're taking advantage of lower income households during this struggling economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received my billing statement in XX/XX/XXXX from Luxury Card MasterCard, issued by Barclays, that contained 4 charges that I didn't recognize. I called Barclays ' dispute department and they readily reversed the charges whilst they were investigating the fraudulent charges. Now, yesterday, I received a letter from Barclays ( attached ) that claims that they have determined that the activity was valid because the card was " in my possession and chip card technology was used, which can not be counterfeited ''. As such, they state that they are reversing the provisional credit, which I will be required to pay. I called the Barclays dispute department again this morning and reminded them that the four ( 4 ) charges in question were made on XX/XX/XXXX in XXXX XXXX, New Jersey. Neither my wife or I have EVER been to XXXX XXXX. Also, my wife and I have not traveled to New Jersey in over 30 years. How could I have possibly made these charges? Furthermore, I told the lady at the dispute department that my wife and I were celebrating XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) at XXXX XXXX XXXX restaurant ( owned by XXXX XXXX ) in XXXX, FL. This can be confirmed and verified by the XXXX XXXX of the restaurant along with at least XXXX other couples that were present. The dispute department issued me a case number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I had applied for credit card for American Express on XX/XX/XXXXXX/XX/year> based on the new system that they offer of pre-qualified prior the application is completed, And was approved so I decided to complete the application the offer was receive XXXX points after spending {$8000.00} in the next 6 month ( I have meet the spending after 60 days ) when I check my account a few days ago I noticed that the points was not deposit i contact with amex over chat with rep and manager both didnt help 2 days ago they claim that the system reject and I explain them that I was checking prior to applay it's important to mention That Inever had this card and never receive that bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
I have been receiving phone calls from various XXXX area code numbers. I called one back ( XXXX ) and was prompted to confirm my name which I did by pressing one. I was connected to someone who did not disclose they were a debt collector or that their call was an attempt to collect debt, but that they were from the CBE Group. They did not disclose that any information I provided would be used in an attempt to collect debt. They asked for my name which I confirmed, not aware they were a debt collector. They then attempted to confirm my address ( which was incorrect and out-of-state ) and I asked what the call was regarding. The person on the phone would not disclose it was an attempt to collect debt nor tell me the purpose of the call unless I disclosed my social security number, which I refused to do. After hanging up, I XXXX the organization and realized they were a debt collection agency. Per my credit reports, I have no outstanding accounts and this organization either has the wrong person or is trying to collect for things I do not owe. Again, at no point in this call did the organization make the required disclosures under the FDCPA nor would they tell me upon repeated requests for them to identify themselves. I had no idea they were a debt collection agency at any point during this call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

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