vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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: IL

Complaint narrative:
On the evening of XX/XX/23, I received an email notice that a new line of credit was opened on my credit report in the amount of ~ {$16000.00} through XXXX XXXX XXXX. I did not open a new line of credit. Being a Saturday night, I was not able to contact customer service, though I tried, and information was given on their website that some customer service lines were open over the weekend, but none actually were. 

I believed my passport had been stolen a few months earlier ( XX/XX/23 ), like I said. Fearing that identity theft had occurred, I tried contacting every Experian number I could find, but none were open. I feared that another loan would be taken out in my name. I cancelled my passport on XX/XX/23, believing that that's how the identity theft occurred. 

On Monday, I called Experian 's customer service, who directed me to speak with the XXXX XXXX XXXX. I called them and explained that I believed identity theft had occurred. They could not find my information in their system. XXXX XXXX XXXX told me to contact Experian and explain that a " XXXX Account '' had occurred, which is an error in data management. 

When I contacted Experian in the evening about this merged account, they were able to resolve it, though they did not work thoroughly when I contacted them that morning. The merged account was an oversight until I told them that there were merged accounts. 

Due to Experian 's data management error, I reasonably and responsibly canceled my passport on XX/XX/23. After resolving the merged accounts, I found my passport around XX/XX/23. I requested to many different divisions of Experian that I be compensated for the out-of-pocket cost associated with replacing a passport. I would not have canceled it if it were not for their data management error. 

They connected me with an insurance representative who told me that they were unable to help me since no identity theft had occurred. I then contacted Experian again and requested to speak with a supervisor about possible restitution. He explained that he is unable to provide any kind of restitution. He advised that he had filed a formal complaint, and he told me where I could as well.

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 2024-01-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I was working diligently with Carrrington on a loan modification I submitted all required documents, but I received an email from Carrington employee XXXX XXXX stating my modification was canceled and my home is scheduled for foreclosure sale on XX/XX/24. To this date I have NOT received any official notification of the sale. Also I was not given and indication that they were even considering foreclosure Again, I submitted all requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a credit request denial on XX/XX/2024 for a bank that I never applied for called SYNCHRONY HOME. I tried to contact them but their number was a dead end. It does not say how much the credit was for.

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 2024-01-10 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: CITIBANK, N.A.
State: ME

Complaint narrative:
I opened a citibank credit card with a balance transfer offer of 0 % until XX/XX/XXXX. I have been paying on that offer since it opened ( and upon opening I paid 5 % of the full transfer amount as a fee to get this promotional rate ). I transferred {$4200.00} and paid {$120.00} for the fee. I have been consistently paying {$220.00} per month to pay this off before the 0 % interest ends. 

In XX/XX/XXXXXXXX  Citi offered a flex loan on my card - money I could have sent to my checking account at a 7.99 % interest and a 3 year payment period of {$85.00} per month. I took advantage of this offer and took out the loan for {$2700.00} I called to see how I could make the {$85.00} payment and still pay the {$220.00} I have been paying each month on the XXXX interest balance transfer. The supervisor advised I can not do this. All extra money will go to the flex loan as that is the higher balance. I asked if I payed off the flex loan would my remaining balance still be at XXXX  %. She said yes, and I reiterated this again. 

I paid the flex loan in full 5 days after it posted to my account. Citi is now saying since it was not yet on a billing statement that it wasn't an actual charge yet ( but it was showing in my transaction as being a charge on XX/XX/XXXXXXXX  ( it was paid in full on XX/XX/XXXX ). They are now taking my original remaining balance of {$2100.00} and charging me the 7.99 % interest instead of the 0 %. 

I asked to have my transfer fee of {$120.00} refunded as I only paid a fee to have the 0 %. All they did was offer {$50.00} credit and that was after the agent said she had no more sound and never called me back, so I could not even tell them I did not agree to that as satisfactory. 

They should be giving me the full term at 0 % as I clearly paid off the flex loan per their own policy or they should fully refund the transfer fee as I did not get the rate for the term associated with that fee.

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 2024-01-10 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:
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 XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX 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 , FTC and my Attorney General.

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 2024-01-10 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: TN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I refinanced my manufactured home in California in XXXX. During this process, the new mortgage company XXXX United Wholesale Mortgage/UWM XXXX XXXX to make the necessary insurance payment to American Modern XXXX XXXX XXXX XXXX XXXX cancelled XXXX policy due to non-payment. I have had an escrow account, as you do, since I bought this home in XXXX of 2020. During the refinance process, I did the same with the new company and had the escrow set up as a term of the mortgage. United Wholesale Mortgage told me over the phone that they 'attempted to contact ' the insurance company to change the name of the payee of the insurance policy and said that they, 'did not get a response ( from XXXX XXXX ), and therefore did not make the payment and would not until they were listed as payee. ' They are now threatening to impart their own insurance plan which is 'more expensive ' and XXXX not cover my interests '. It would be impossible to get insurance coverage presently in the state of California if we didn't have the CA XXXX XXXX which is minimal coverage at best and costs more than my previous policy. I want to take legal action against United Wholesale Mortgage, and this is where I am starting the process. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NJ

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 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 2024-01-10 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: NJ

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 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 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/XXXX I was called by a person that was using the Bank of America. Customer service number and they informed me my account was being hacked, and the only way I was able to stop it was to send {$1100.00} of money to myself through XXXX. The people on the phone were able to tell me how much I had in my bank account, they informed me what the last 4 of my debit card was, so at the time, I had no reason to believe they were not employed by Bank of America. Bank of America told me they were unable to return my funds 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 2024-01-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to dispute a charge of {$1900.00}, {$190.00}, and {$170.00} to my credit card account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The charge is in error because the items were defective, and the services did not work correctly. Despite the initial charge being on XX/XX/XXXX, I was still undergoing treatment with XXXX, and I was supposed to receive more aligners to continue the treatment. The aligners to continue the treatment that I initially paid for on XX/XX/XXXXXXXX  did not arrive, and I am no longer receiving the services or receiving the items I paid for. I understand that some of the charges are from XXXX, but I was still undergoing the original treatment that I had paid for up until I stopped receiving the items and communication from XXXX. I am requesting that the charges related to the disputed amount be credited to my account. Enclosed are copies of all the communication I have had with the merchant related to my purchases supporting my position. I have also included a press release from the XXXX XXXX XXXX which goes into more detail of XXXX. I have also included a website page from the practice I will be receiving XXXX from, which costs {$3800.00}. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

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 2024-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Control Corporation, XXXX, {$2600.00} i reported them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/2023 I disconnected service with XXXX  ( my phone number XXXX ). On XX/XX/2023 XXXX charged on my credit card for {$150.00}. They subsequently owed me {$110.00} in prorated amount due to my disconnection of the service. I received multiple statements in the mail from XXXX  stating I was owed a credit of {$110.00}. I made XXXX phone calls between XX/XX/XXXX, XXXX XXXX, XXXX inquiring about when I would be receiving the refund. I was told numerous times that the money would be refunded to my original payment method which was my credit card. Despite my XXXX attempts to receive my refund, they never refunded my money. I then filed a dispute with XXXX ( my credit card company ) for a partial refund of {$110.00} of the {$150.00} I paid to attempt to get my money back. XXXX  then immediately sent me to collections, I received a bill from Transworld Systems Inc saying I owe {$45.00}.

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 2024-01-10 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: TX

Complaint narrative:
On XXXX and XX/XX/. I have reached out to all major credit bureaus to provide the following information a copy of the original contract with signature, a copy of the payment history, the name and address of the original creditor and proof of collection authorization. After several attempts I have yet to receive the requested 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 explanation
Consumer complaint received 2024-01-10 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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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