vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
BANK OF AMERICA XXXX {$120.00} Credit limit {$300.00} Open Date XX/XX/year> I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The economy is bad and so is my credit report, but after thoroughly looking at my credit report it is clear which is way worse all I see are erroneous information which is causing me overwhelming stress and frustration. Never knew that upholding your rights as a consumer is this depressing, that I have to go through all this suffering, I wouldn't even be able to buy the necessary things to set my life back on track due to my low credit score because of all the incorrect information reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: NRA Group, LLC
State: OH

Complaint narrative:
They reported that I owed a certain amount of money without notifying me since 2022. I was never aware of such and I am sure the law required them to contact me and let me know about the debt. Since 2022 when they said I owed the money they did not contact me and it got reported and when I saw this on my credit report, I disputed it, and that was when they contacted me via text and mail after my credit was already damaged. Since 2022 when they claimed I owed the money they never contacted me for once.

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 2024-07-08 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: MD

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 inructions 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.

These are the inquiries which should be off from report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts that i put in template has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. To remove.

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 2024-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2024 at around XXXXXXXX XXXX, I was approached by two individuals needing help to deposit two checks. They told me that their card wasn't working and if I could help them, they offers to pay me for my troubles. After looking at the checks, they seemed legit so I decided to help ( I would like to note that im on the XXXX XXXX, so my judgment of people isn't so great ). One check was for {$1900.00} and the other was for {$990.00}. I gave them the money and went on my way. After discussing it with my sister after I got home I realized I was scammed and had deposited fraudulent check. This has never happened to me before! I immediately called Chase to see if I can get my money back or if there was some form or process I can undergo to see if I can get my money back. With my sister 's help, I was able to explain the scam I was a victim in. Chase bank told me there was nothing that could be done since I participated in the scam ( I withdrawn then money after checking the fraudulent check in ) I had to take it outside of the bank aka the police. How could be a participant in this scam? I'm the victim! And yet they won't do anything to help me! My sister mentioned to the customer service of Chase that I was autistic and yet they told me nothing could be done. Please help, {$2900.00} is a lot of money that worked super hard for. The least Chase bank could do it to consider investigating the scam incident but they didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Update the late payment to paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My mortgage was transferred from XXXX XXXX to Shellpoint mortgage in XX/XX/XXXX after being with XXXX since XXXX. Issues atarted immediately after the morgage compnaies changed.

1. They hid all the previous morgage transaction records and hostorical records.

2. Disbaled access to the previous website and redirected the pages to newrez ( shellpoint ) website.

3. Auto scheduled payments wre pulled out of the bank account multiple times and payments were not applied to the loan!. When disputed they returned one payment back by mailing a check.

4. For the manual payment that was setup aftre speaking to the service rep from a differeny bank account, the amount was taken from the bank account, but the amount was negated in the transaction list.

5. They have stopped taking the customer calls, chat message option seem to a fraud. Nver responfds to any emails set out. Over all they seem to be running a BIG SCAM at this point of time. 

Request you to look into this ASAP as they might abscond soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: WI

Complaint narrative:
Lexis Nexis provided incorrect information to XXXX and my car insurance is elevated because it this. I never consented for them to have my information, nor do I currently consent to them having any information on me. They are legally obligated to provide the correct information when selling someones information, and I refuse to provide them any personal information. I demand that they correct this report so that my car insurance returns to the cost it should be, as they are legally obligated to do so without any action from me in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Hello, Wakefield and Associates are reporting incorrect information on my credit reports. I noticed they were listed as a collection and immediately called them. Upon calling, the representative advised the bill was from an emergency room visit. Since I've always carried insurance, I thought this would be an easy fix. I contacted the emergency room hospital financial services department who advised this bill was taken care of through my then insurance. I then contacted Wakefield and associates to advise of the mishap. the representative continued to try and collect on a bill that I advised the original creditor has verified was satisfied through the insurance company. Please help as they are bullying me into paying funds I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my 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 non-monetary relief
Consumer complaint received 2024-07-08 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Unifin Inc.
State: NY

Complaint narrative:
XXXX collection agency try to collect for a very old debt thats overy the statue of limitations the account is XXXX XXXX that went out of business the collection rep from XXXX  inc made threats to me saying he could have inforcement on me and unlawfully harrass me thecall is recoreded the call was made to me arround XXXX pm or early their time zone is XXXX hour behind from XXXX phone number above XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have identified unauthorized inquiries on 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
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M1 Holdings Inc.
State: CA

Complaint narrative:
M1 Finance is where I have my XXXX IRA. I submitted a transfer to my linked bank with XXXX  XXXX XXXX and it said it failed. No other detail or information was provided. This has never occurred previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My current mortgage company, PHH Mortgage, overpaid the county property taxes last XXXX in the amount of {$15000.00}, which has led to a negative balance in my escrow account ( - {$8100.00} ). In XX/XX/year> XXXX Mortgage issued an 140 % mortgage increase ( from {$1800.00} to {$4300.00} ) that is in effect starting XX/XX/year>, for the next XXXX months to replenish my escrow account. I have contacted PHH Mortgage multiple times via phone and email about their mistake and requested that the mortgage payment increase be put on hold until their internal investigation is complete. I was given blanket statements such as Your issue is being reviewed by our Research Department. Please allow ten business days to complete the research and respond to you On XX/XX/XXXX their research department issued me a letter stating they will not pause the payment increase and I am expected to make {$4300.00} monthly payment. They also requested that I provide them with the updated legal description of my property for them to resume their investigation. 
I have provided them the updated legal description of my property on XX/XX/year>, and I have not heard back from their research team. After providing PHH Mortgage with an updated legal description to my property I shipped out my original mortgage payment of {$1800.00} on a money order to PHH using XXXX overnight priority shipping to ensure PHH receives the original mortgage payment by XX/XX/XXXX. Which I have confirmed they have received. I can not pay the additional 140 % increase and feel at a loss from this incoming financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute my inability to access my Equifax credit report and scores. Despite multiple attempts to retrieve my credit information, I have been unable to do so. This issue is causing significant inconvenience and potential harm to my financial standing.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to access my credit report and scores. Specifically, the FCRA mandates that credit reporting agencies provide consumers with access to their credit information upon request. The relevant sections of the FCRA that support my dispute include : Section 609 : This section grants consumers the right to obtain a copy of their credit report from credit reporting agencies. 
Section 612 : This section entitles consumers to a free credit report once every 12 months from each of the three major credit reporting agencies ( Equifax, XXXX, and XXXX ). 
Section 611 : This section requires credit reporting agencies to investigate disputes regarding the accuracy or completeness of any item of information contained in a consumers file within 30 days of receiving notice of the dispute.

Given these provisions, I request that the CFPB intervene to ensure that Equifax complies with the FCRA and provides me with immediate access to my credit report and scores. Additionally, I request that any errors or issues preventing access be promptly investigated and resolved. 

Please find attached copies of my identification documents and any relevant correspondence with Equifax regarding this matter. 

Thank you for your prompt attention to this issue. I look forward to your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My husband and I both received a Statement of Credit Denial from TD Auto Finance in the mail today, XX/XX/year>, concerning an application for sales financing of a new motor vehicle by XXXX on XX/XX/year>. We did order a XXXX XXXX XXXX on this date with financing arranged by XXXX. We took delivery of the vehicle on XX/XX/year> and were not notified by XXXX that we had initially been denied financing by TD Auto Finance. The vehicle was ultimately financed with XXXX. We first received notice of this credit denial in the mail today on XX/XX/year>. Because both my husband and I have near-perfect credit and fully own 2 homes and another vehicle and have sufficient assets in the bank to fully cover the cost of the vehicle we were purchasing, we were both surprised by this credit denial. We can not find a reason that we would be denied credit and have never been denied credit before. We were later approved by financing by XXXX as I mentioned above. The statement of credit denial gave the specific reason for denial as " OTHER APPLICANT : UNABLE TO VERIFY APPLICANT INFORMATION OR IDENTITY '' It said that information from our XXXX credit report was used in the decision so both my husband and I checked our individual XXXX credit reports and could find no inaccurate information in it, other then we have recently purchased a new home ( not financed ) and moved and so we have a new address that is not yet showing in our credit reports, however, we still own the home that is shown as the current address in our credit reports. I called TD Auto Finance on XX/XX/year> to ask for additional information about why we were denied credit and they responded that because they are not an individual lender, they could not provide any additional information and that we would have to reach out to the dealership ( XXXX ) to get this information and that they would have the information. Because TD Auto Finance was the party that denied the credit, I did not believe this answer and I am still seeking additional details as to why we were denied credit for the purchase of a XXXX vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: MD

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 inructions 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.

These are the inquiries which should be off from 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 explanation