vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
They purchased my loan transferred for XXXX. I needed the account information to make a payment. They mailed the letter on XX/XX/XXXX, I received it on XX/XX/XXXX in my mailbox and immediately made the XX/XX/XXXX due date payment. Since, they've applied all my payments ( XXXX, XXXX, XXXX ) to the principal instead of the interest. I also noticed they attempted to charge me at a higher interest rate than was contracted. This has since been corrected through my many calls. Still, the payments are not processed correctly and now they are harassing me with debt calls and letters as though I have not made payments. Based on their history this is not the first time this lender has conducted in this manner and trying to charge me at a higher interest rate, and continuously requesting more money despite making payments is fraud.

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 2025-01-04 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX  XXXX XXXX Opened : XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} Charge-off XXXX XXXX XXXX Opened : XXXX Balance : {$19000.00} Late-Open

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 2025-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Greetings, I withdrew money from a street ATM in XXXX and only agreed to XXXX fee, however, they charged me another hefty hidden fee which I never agreed to and was never displayed to me. When I reported this to Chase, they said they can not do anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Hello I was gift XXXX vanilla gift card both of which i have not been able to use anywhere as advertised. I am extremely disappointed in the company as well as their customer support. This is false advertising and the company is a total scam. Do not buy and do not gift. The recipient will be extremely disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My very first statement for the XXXX XXXX XXXX credit card was for {$7300.00} due XXXX. Payments and credits made amounted to {$1400.00}. I was charged interest of {$140.00} which I understand. 

The next payment due date was on XX/XX/XXXX. I was charged my previous balance of {$7300.00} - {$1400.00} + interest of {$140.00} + new purchases of {$3700.00} for a TOTAL of {$9800.00}. 

I paid off the ENTIRE balance or {$9800.00} on XX/XX/XXXX because I dont want any more interest charges showing up. 

To my surprise, I received my next statement due on XX/XX/XXXX and on there shows yet another interest charge of {$120.00}. 

I called 3 times and all their customer service representatives said it was for interest for that billing cycle of XX/XX/XXXX - XX/XX/XXXX. I told them that theres supposed to be a grace period between my closing statement date and my due date. This is also on the section on my statement which was about avoiding paying interests on purchases : How To Avoid Paying Interest On Purchases : Your due date will be a minimum of 21 days after the close of each billing cycle. If you pay your account ( or Interest Saving Balance ) in full each billing period by the date and time due, no interest is charged on new purchases month to month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: WA

Complaint narrative:
Subject : Debt Validation Request and Assignment Contracts Dear Sir/Madam, I am writing to formally request validation of the debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide me with detailed information regarding this debt, including but not limited to : The name and address of the original creditor. 

The original account number. 

A complete payment history, including dates and amounts of all payments and charges. 

The current balance of the debt and an explanation of how it was calculated. 

Copies of any and all documents that establish my liability for the debt, including any contracts or agreements I XXXX have signed. 

Copies of any assignment contracts or agreements that establish the transfer of the debt to your agency, as required under 15 U.S.C. 1692g ( b ) to validate the transfer of ownership.

Additionally, please provide a copy of your agency 's license to collect debts in the state of Washington, as required by state law, and any correspondence or communication from the original creditor authorizing you to collect this debt on their behalf.

Under 15 U.S.C. 1692c ( c ), I request that all communication regarding this matter be conducted in writing. Furthermore, in accordance with 15 U.S.C. 1692g ( b ), until this debt is validated, I respectfully request that you cease all collection activities. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX AM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX AM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) This is just few of the numerous repeated calls. The list goes on. Please let me know if there is anything else needed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
A debt that was discharged from my credit report a year ago from Portfolio Recovery, I recently improved my credit and now this company is coming after the bill again after it was already removed. They also re-aged the debt to XX/XX/XXXX when the account was originally from XXXX. I dont believe this debt to be accurate and I believe they keep changing the date on the account to further extend my liability for it. I have worked hard to build my credit and this debt is holding me back from moving forward. Please help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: SC

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove inaccurate credit information To whom it may concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate. Ive never made a late payment on this account, please correct. 

XXXX. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]

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 2025-01-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this formal complaint against Experian for their continued reporting of inaccurate information regarding two XXXX XXXX accounts on my credit profile. Despite my repeated disputes and provision of evidence supporting my claims, Experian has failed to update or correct the information and has instead falsely claimed the accounts were " verified. '' Details of the Dispute Account Information : The accounts in question are two XXXX XXXX accounts reported by Experian. 

Inaccuracy Details : Late payments are inaccurately reported on both accounts. 
The account balances are incorrectly reflected, despite the fact that they have been accounted for via 1099-C filings with the IRS. 

Evidence Provided : I have attached my IRS transcript, which clearly indicates : The balance of both XXXX XXXX accounts is accurately accounted for in the 1099-C filings. 

The accounts were never late. 

Experians Misconduct When I initially disputed these inaccuracies and made Experian aware of the evidence, they falsely stated that the accounts were " verified. '' This response is not only inaccurate but demonstrates a blatant disregard for the facts and my rights under the Fair Credit Reporting Act ( FCRA ). 

Demand for Immediate Action I demand that Experian : Update the Accounts : Reflect the accurate balance as zero, as confirmed by the IRS transcript. 
Remove Late Payments : Eliminate all incorrectly reported late payments from both accounts. 
This correction must be completed within four ( 4 ) days of your receipt of this complaint. I have given Experian more than sufficient time to address this issue through previous disputes. 

Warning of Further Action Failure to resolve this matter promptly will leave me no choice but to escalate this issue further, including : Filing complaints with other regulatory bodies, including the Federal Trade Commission ( FTC ) and the Attorney General 's Office. 
Pursuing legal action against Experian for violations of the FCRA. 
Supporting Documentation Please find attached a copy of my IRS transcript, which provides undeniable evidence supporting my claims. 

Thank you for your immediate attention to this matter. I trust the CFPB will ensure that Experian complies with its obligations to provide accurate and fair reporting.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
on XX/XX/year> i pulled what little info i was allowed to access on my credit report only to find that there is incorrectly reported payment records on my credit reports i have tried calling to have the information corrected but was denied. even after my denal i tried to send a debt validation letter to the debt collectors but to no avail. this is a violation of several us codes of title XXXX. 15 usc 1692 false and misleading representations, 1692f unfair practices 1692g validation of debts, 1681e ( b ) accuracy of reports, 1681i disputes, 1681s-2 responsibilities of furnishers of information, 12 usc 5531 consumer financial protection act, the following codes apply and i wish to exorcise 15 usc 1681n & 1681o- civil liability, 15 usc 1692K civil liability

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 2025-01-04 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: NJ

Complaint narrative:
on XX/XX/year> i pulled what little info i was allowed to access on my credit report only to find that there is incorrectly reported payment records on my credit reports i have tried calling to have the information corrected but was denied. even after my denal i tried to send a debt validation letter to the debt collectors but to no avail. this is a violation of several us codes of title 15. 15 usc 1692 false and misleading representations, 1692f unfair practices 1692g validation of debts, 1681e ( b ) accuracy of reports, 1681i disputes, 1681s-2 responsibilities of furnishers of information, 12 usc 5531 consumer financial protection act, the following codes apply and i wish to exorcise 15 usc 1681n & 1681o- civil liability, 15 usc 1692K civil liability

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
I am not liable with this debt with XXXX XXXX XXXX I do not have the contract with XXXX XXXX XXXX they did not provide me with the original contract as requested. 


I have provided Experian with what it need to remove it because it inaccurate information over the last XXXXXXXX XXXX and they refused to remove it from my credit report Desire resolution : I demand this account be removed 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 explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
When recently evaluating a Chase XXXX XXXX XXXX credit card, there was an offer for XXXX bonus points after {$8000.00} spend on the card within 3 months. 

Unfortunately before I was ready to apply for the card, the elevated bonus offer had expired and had been reduced to XXXX points. 

At this point, I called into Chase, spoke with an agent, and the Chase agent told me to go ahead and sign up for the card, meet the {$8000.00} minimum spend, call back, and they would manually apply the extra XXXX bonus points to match the original XXXX points offer. 

I did exactly as the agent told me to do and was sent a rejection notice. I called back, explained the situation again, and was again rejected. 

I just spoke with a supervisor, who acknowledges their agents told me this, but says they aren't bound to honour what their agents tell people. 

I've got call recordings from both the original pre-application process and the subsequent call-back to apply the XXXX extra points process, with both agents assuring me I would be receiving the extra XXXX bonus points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Got a fraud alert XXXX hrs after check posted can not speak to a representative, held for XXXX minutes, tried calling other departments, said fraud was only department that could handle it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing a complaint against Experian for their refusal to correct an inaccurate collection account on my credit report despite multiple attempts to resolve the issue. Below are the details : XXXX. The Issue : A collection account from XXXX XXXX is being reported inaccurately on my credit file with Experian. 
The XXXX other credit bureaus, XXXX and XXXX, have already removed this collection from my reports after determining it was inaccurate. 
Despite sending certified mail disputing the account and requesting proof, Experian insists the account is accurate but has not provided any documentation verifying its validity. 
XXXX. My Attempts to Resolve : I sent a formal dispute via certified mail on XX/XX/2024, and Experian was the first to respond and complete the investigation by XX/XX/2024. 
I provided supporting evidence and requested validation of the debt. 
Experian has not responded with valid proof, nor have they investigated the matter appropriately. 
XXXX. Why This Matters : This inaccurate collection is damaging my credit profile and causing undue financial harm. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and to have it removed if it can not be verified. 
XXXX. Requested Resolution : I am requesting the CFPB to require Experian to remove the inaccurate collection account from my credit report immediately. 
I am also requesting proof of their investigation process or validation of the debt if they continue to claim it is accurate. 

Attachments : Proof of removal by XXXX and XXXX. 
Copies of my certified mail dispute. 
Screenshots or printouts of my updated credit reports from the other bureaus. 

Thank you for your attention to this matter. I look forward to resolving this issue promptly.

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 2025-01-04 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I contacted XXXX XXXX  in regard to the account that in shown as a collection account in the amount of {$620.00}, they stated that I am a consignor on this account and that the account was opened by my former spouse. I disputed this account twice since I never authorized this transaction under my name and have not been able to get it removed from my credit report. I have contacted my former spouse about this issue, and she stated that she is unable to pay for this account at this time and not sure when she will be able to do so. Furthermore, the company that my spouse had the debt with was a furniture company called rooms to go which in turn sold the debt to 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