vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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: TX

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank held money wired by my account from XXXX illegally without telling me the reason. They kept on holding the money and caused my home purchase deal fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I made a payment on XXXX XXXX and was charged a late fee of XXXX XXXXI called and was told my payment was late due to the time zone. 
I applied for and and the account was approved in this time zone. 
This was not an issue at the time received this card. 
the card is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Aspen Yo LLC
State: GA

Complaint narrative:
They responded after I requested removal of PMI saying I did not meet an 80 % loan to value to your original value. 

They are including {$70000.00} fees in the original loan amount incurred during a hardship refinance in 2009. 

Regardless my loan qualifies as it is almost XXXX XXXX XXXX. 

A lender or servicer must end the PMI the month after you reach the midpoint of your loans amortization schedule. ( This is true even if the principal balance has not reached 78 percent of the original value of your home. ) The midpoint of your loans amortization schedule is halfway through the original full term of your loan. For 30-year loans, the midpoint is after 15 years have passed. 
This standard for ending the PMI halfway through the loans original term is more likely to occur for people who have a mortgage with an interest-only period, principal forbearance, or a balloon payment. ( My loan has a balloon payment )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: CA

Complaint narrative:
Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent accounts has violated my rights. 
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 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if 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 non-monetary relief
Consumer complaint received 2024-05-15 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: CA

Complaint narrative:
Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681.

In accordance with the fair credit reporting act convergent accounts has violated my rights. 
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 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  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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if 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 2024-05-15 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: CORELOGIC INC
State: NY

Complaint narrative:
Contacted this company not only requesting my Consumer report, but also requested this company to place a freeze on my file to which I sent them in my Pennsylvania identification card and my electric bill as proof of identity and address. I received a response stating I need to sent in documentation to proof identity and address to which I already sent the requested information in. This company is using Deceptive practices to Circumvent the law and consumers rights under the FCRA such as the right to know whats on your report and the right to dispute inaccurate and incorrect information if it exist.

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 2024-05-15 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: FactorTrust, Inc.
State: NY

Complaint narrative:
Contacted this company not only requesting my Consumer report, but also requested this company to place a freeze on my file to which I sent them in my Pennsylvania identification card and my electric bill as proof of identity and address. I received a response stating I need to sent in documentation to proof identity and address to which I already sent the requested information in. This company is using Deceptive practices to Circumvent the law and consumers rights under the FCRA such as the right to know whats on your report and the right to dispute inaccurate and incorrect information if it exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: TX

Complaint narrative:
Credit control llc is attempting to collect a debt that I do not owe. The original creditor is XXXX XXXX XXXX XXXX XXXX total amount owed is XXXX Opened XX/XX/year>2024 2024

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 2024-05-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my recent credit report, I have noticed discrepancies that require immediate action. Specifically, concerning this account : XXXX XXXX XXXX XXXX 

The respective company has acknowledged this errors and has committed to rectifying them by updating the status to open/never late. Other credit bureaus have already made the necessary corrections after the companies recognized the inaccuracies in the account.

I am requesting a comprehensive investigation into this account and prompt communication of the findings via mail. As per the information available online, such disputes should ideally be resolved within 30 days. Therefore, I anticipate receiving your response within this timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OUT TECH, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XX/XX/2024 Bureau of Account Management XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to express my grave concern regarding the collection practices conducted by your agency, which I believe are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( A ). 

Despite my attempts to resolve this matter amicably, I have encountered numerous instances where your agency has failed to comply with the aforementioned regulations. These violations include : 1. Failure to provide validation of the debt within the required timeframe as stipulated in 12 CFR 1006.34 ( b ) ( 5 ). 
2. Neglecting to cease communication upon my request, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

3. Disregarding my rights under 12 CFR 1006.34 ( d ) regarding the prohibition of harassment or abuse.

4. Violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate or incomplete information to credit reporting agencies, as per 15 USC 1681-S 2 ( 7 ) ( A ). 

These actions not only constitute a breach of my rights as a consumer but also demonstrate a blatant disregard for the laws established to protect individuals from unfair debt collection practices. 

I demand that your agency immediately cease all collection activities related to the referenced account and provide me with written confirmation of such cessation. Additionally, I request a thorough investigation into the aforementioned violations and appropriate remedial action to ensure compliance with federal regulations. 

I'm letting the collection agency know that I'm disputing owing any and all debts to them. I'm revoking all rights of them communicating with me through email/ text/calls. 

I'm requesting debt validation, and the purchase agreement between the collection agency and the original creditor. 

I'm also requesting that they furnish proof that they are licensed and bonded. 

Failure to address these concerns in a timely and satisfactory manner may result in further legal action. I expect a prompt response within [ insert timeframe ]. 

Sincerely, XXXX XXXX This letter is a starting point, but feel free to adjust it according to your specific circumstances and preferences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I contacted Venmo about a {$6.00} charge, the representative did nothing about it, and I told them that I called XXXX and spoke to a representative about this charge of {$6.00}. The representative from XXXX said that they could not locate the charge on their end and gave authorization to Venmo to remove the transaction on their end. The representative from XXXX sent me an email to send to Venmo which I did. I still haven't been reimbursed for XXXX. I am get charged twice now. I've made several complaints on here and nothing seems to be done and Venmo still is allowing these charges to go through. Can this be expedited to a manager so they can review why Venmo hasn't removed it and continues to allow these charges. I want my money back along with any fees or interest I had to pay because of 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 monetary relief
Consumer complaint received 2024-05-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: NC

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-16 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: NY

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: NY

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-15 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: OH

Complaint narrative:
I have several fraudulent accounts that were opened in my name that do not belong to me

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 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: NE

Complaint narrative:
Security Credit Services , LLC has been harassing me and is suing me for a debt that is a result of identity theft and has failed to produce any proof that this alleged debt belongs to me. I've sent them copies of an identity theft police report, IRS Identity Protection letter and an XXXX Identity Theft notice and are in violation of : 15 U.S. Code 1692e - False or misleading representations Nebraska Revised Statute 25-824 Rule 11 of the Federal Rules of Civil Procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CICA Collection Agency, Inc.
State: PR

Complaint narrative:
Hello last year the contract of my internet provider was finished on XXXX and i opted out and did not want to receive anymore of their services after that month ended. a month later i got a letter that i did not return some equipment and stating that i owed them some money without saying for what since my contract ended. the letter said to return the equipment after 5 days or legal consultation on their part will happen ( the letter arrived after the 5 days they talked about ) i tried to call them but impossible. today XX/XX/XXXX i received a letter of a company trying to sue me saying i owe a debt one that i did not know i had and that i would be taken to court if not responded letter says XX/XX/XXXX and it arrived on the XXXX were the letter said they would take legal action after the XXXX. its left me in a difficult position cause i have never heard or received before a letter of this company. plus it was sent to my parents home where i no longer reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: NJ

Complaint narrative:
XXXX XXXX holds my installment account for a small loan of XXXX that began XX/XX/year>. 
Acct # XXXX I set up autopay online and made consistent payments manually for XXXX. The autopay began in XX/XX/year> and was completed without error. However, there was some internal error either within XXXX or my bank which led to a 30 day late payment on XX/XX/year>. I was never notified by XXXX that the autopay of XXXX was not completed so I assumed it was processed. 
This is the only 30 day late payment on my credit and its preventing stellar scores. XXXX has not been cooperative in admitting any communication fault nor offering any good will adjustment on my credit.

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 2024-05-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX holds my installment account for a small loan of XXXX that began XX/XX/2023. 
Acct # XXXX I set up autopay online and made consistent payments manually for XXXX. The autopay began in XX/XX/2023 and was completed without error. However, there was some internal error either within XXXX or my bank which led to a 30 day late payment on XX/XX/2023. I was never notified by XXXX that the autopay of XXXX was not completed so I assumed it was processed. 
This is the only 30 day late payment on my credit and its preventing stellar scores. XXXX has not been cooperative in admitting any communication fault nor offering any good will adjustment on my credit.

Company response to consumer: Closed with explanation