vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX I placed an order with XXXX  for winter tires for {$2000.00} using Financing through Affirm.com. Two days later a rep for XXXX called me by phone and told me the item was on backorder, there was no ETA on stock, he recommended that I cancel the order. So per his request I went on their webpage submitted a request for cancellation. I even received a email, confirming they received my cancellation request. 

I contacted Affirm to tell them the item will be cancelled, but time went by and the item was never cancelled so I contacted Affirm again and this time I filed a dispute, that I never received my product nor did the company cancel the order as requested, so I submitted all the evidence of proof, that the company received my request for cancellation, also email and even call log, to show that I was in contact with the merchant. Affirm said they would contact XXXX and resolve the issue in 15 days. 

XX/XX/XXXX I get notified that the dispute was resolved but not in my favor and that I am responsible for the loan even though I never got my product. They want me to pay for an item that was never shipped. The evidence even showed the status still says " XXXX XXXX for Process '' meaning nothing has been shipped or delivered to me. I called Affirm and a rep could not give me a clear reason why I didn't win the dispute despite the fact that XXXX never shipped the item. 

It has been 1 month since I placed my order and I still have not received my purchase nor has XXXX cancelled the order. Yet Affirm still has not taken care of this issue. As a customer this is very troubling. How can I be held liable for a loan when the merchant never fulfilled the order or shipped it. I should not have to file another report when I have not received my order.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Approximately XXXX days ago, I received an escrow statement from my mortgage company ( NewRez ). While reading it, I noticed that the charges for my escrow ( taxes and insurance ) went from {$32.00} all the way to {$220.00}. And, if I don't pay the {$220.00} by XX/XX/XXXX, this amount will be added to my regular mortgage payment of {$460.00} ; this is not right. My common senses tell me that NewRez is trying to XXXX me over any way they can. This is the fourth year I have had issues with this company. It does no good to call them, therefore the only recourse is to make a complaint, which I feel is legitimate. By the way, I want to mention that my mortgage was unfortunately sold to this lousy company. 

I have lived in my condo for 20 years, and I have never had issues with my former mortgage lender ( XXXXXXXX XXXX ). Unless I have an adjustable mortgage, which I do not have, my mortgage payments should not balloon up. There is no way I can afford a huge increase in a mortgage, while dealing with a huge increase in my maintenance fee and condo insurance. I know that the escrow ties into the flood hazard insurance and taxes that my condo association pays. I have sent NewRez proof of this over and over. 

During my first year in my condo, I was informed that whenever there is a shortage ( which should be a small amount ), my mortgage payments will increase just a few dollars. What is questionable is a shortage that is close to {$1000.00}. This is extremely upsetting! I also want to add that I forgot that I was referred to your office for a resolution. I have made several complaints to the XXXX. I really wish more and more people would file complaints because there is strength in numbers. Posting negative reviews does no good. Attached is some information for your review. I look forward to hearing from you. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.

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 2024-01-12 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: TX

Complaint narrative:
Kindly delete this inquiry from my credit report. I did not initiate it and have no connection with the associated creditors. I urge for its immediate removal to ensure the accuracy of my credit information.

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 2024-01-12 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: MA

Complaint narrative:
XXXX XXXX XXXX This inquiry was pulled without my consent or permission i requested documents signature. Please help me delete/remove.. 

15 USC1681Q- Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. 

15 USC 1681N- Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I have being messaging the company since last year XXXX and they keep ignoring my messages and not responding to me. I with clean hands send payment they told me they receive it and will get back to me and since then have ignored me constantly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: LA

Complaint narrative:
As stated in the Fair Credit Reporting Act 15 USC 1681 Section 602, it is decisive for consumer reporting agencies like XXXX and Experian to carry out their responsibilities with fairness, unbiased, and respect for the consumer 's right to privacy. As the consumer, I have the right to make certain that my private information is not shared, as supported by section 6801 of the same Act. This section emphasizes that financial institutions, including the entity furnishing information to credit agencies, have an ongoing obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. Section 604 ( a ) ( 2 ) of the Act states that consumer reporting agencies may only furnish a consumer report under specific circumstances, one of which is when they receive written instructions from the consumer to whom the report relates. In this case, neither the financial institution nor the consumer reporting agencies, XXXX and Experian, have my consent to furnish this information, let alone my written consent. Therefore, any previous consent given to XXXX, Experian, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is hereby revoked. Furthermore, section 6802 ( b ) ( c ) of the Act states that a financial institution can not impart nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an explanation of how they can exercise their right to nondisclosure. However, the furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option. Furthermore, section 1681C ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse item of information in a consumer report, except as authorized under subsection ( b ). In conclusion, it is evident that the actions taken by XXXX, Experian, and the furnisher of information to credit agencies are in violation of the Fair Credit Reporting Act. As the consumer, I expect my rights to privacy and covertly to be respected, and I demand that immediate corrective measures be taken to rectify this situation.

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 2024-01-12 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: FL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-12 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I requested XXXX XXXX XXXX internet be installed in my apt around XX/XX/year>. A workman left after installing the internet and 2 rogue gentlemen showed up at my apt door to speak to me about switching to their wireless service, unannounced ( I didn't request any additional services from XXXX XXXX XXXX XXXX. I spoke to them about changing wireless carriers, ( which never occurred ) and I paid a fee for a new XXXX phone and XXXX  watch. Approximately, 7-8 days later XXXX XXXX XXXX sent an XXXX watch to my fathers house, and a new phone to the same location, which arrived approximately 6-7 weeks later. That was not what I was told about the equipment/service and the cost was higher than I was told. I contacted XXXX XXXX XXXX who could not find my account, as well as the salesmen who came to my house. I received no assistance initially from either and I felt I was being duped. About 10 days after that, XXXX XXXX XXXX debited my account on XXXX individual occasions for these phone/watch/activation service fees, this caused numerous NSF fees. Several screaming calls to XXXX XXXX XXXX later, yielded a customer service representative who located my account, he claimed that my account wasn't labeled correctly and that's why none of the other representatives to locate it and he was able to refund some of my money. That customer service representative told me I was being debited continuously so that XXXX XXXX XXXX  could get their money upfront and that the debits would continue. At that point, I sent back all of the equipment. I have the returned equipment receipts from XXXXXXXX XXXX XXXX I had to cancel that debit card to stop the repeated debiting. I do not owe XXXX XXXX XXXX any money for any services other than internet service which is current, I don't have or want their wireless service, cable service or any other services from them.

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 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
My account was wrongfully closed in XXXX after AMEX misapplied a payment to the paid-over-time balance rather than the intended payment for the statement period. On XXXX XX/XX/XXXX AMEX offered to have the platinum account reinstated once the balance was reduced to zero ( XXXX ). Quoting AMEX XXXX XX/XX/XXXX response to XXXX, " we explained that we spoke to you on XX/XX/XXXX and offered a guaranteed reinstatement of your XXXX XXXX ending in XXXX with a limit of $ [ x, xxx.xx ] once the balance on your accounts are brought to {$0.00}. '' On XXXX XX/XX/XXXX XXXX XXXX provided the AMEX response to CFPB complaint XXXX & XXXX, in part writing " Our prior response to your previous complaint filed with the CFPB, reference number XXXX, advised that we authorized the prior agency handling your account to offer on opportunity to regain Card Membership by applying for the XXXX Card after your balance was paid in full. It is important to know, this offer did not involve reinstatement of the specific account as referenced in your correspondence [ platinum card ]. '' AMEX engaged in a bait-and-switch as the market conditions changed. As The economic environment changed during the pandemic AMEX began targeting individuals and engaging in acts or practices that would reduce their overall risk exposure by any means necessary. That is, AMEX has engaged in unlawful, unfair, deceptive, and abusive acts and practices that targeted me as a consumer after I'd disclosed my afflictions with XXXX, and XXXX They engaged in these practices with my account, withholding statements, forcing payment through alternative websites, until they were able to find a mechanism to allegedly charge-off the account on XXXX XX/XX/XXXX. And, since that time they have continuously reported false/misleading/inaccurate/incomplete information for the account to the CRAs which continues to affect me as a consumer in XXXX. In nearly XXXX ( XXXX ) years they have created payment history on the account that does not exist, and supplied a Date of First Delinquency that is causally impossible because the reported DoFD is reported as a date in XX/XX/XXXX and/or XX/XX/XXXX and/or XX/XX/XXXX. The DoFD itself must PRECEDE a C/O. AMEX handling of my account has been bizarre and shows a pattern of acts or practices that are explicitly forbidden under law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
i sent my letter off in XXXX XXXX XXXX i told the bureaus to " investigate every piece of information '' on the accounts i have listed below. Also i have attached the letter i sent out and here the tracking #. 

according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. and according to the FCRA 15 USC 1681 has to be 100 % accurate. I have credit credit report showing the inaccuracies. 

Accounts XXXX Account # : XXXX BANK OF AMERICA Account # : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX ( Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX  ) Account # 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