vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX 's switched their credit card service from XXXX to CapitalOne in late XX/XX/2023. XXXX did not process the last auto payment that was due on XX/XX/XXXX. I set up my auto payment with Capital One to pay full statement balance which processed the first payment on XXXX XXXX. Now I see a {$9.00} interest charge which I assume due to balance transferred from XXXX which automatically triggered the interest, but no late fee. I called CapitalOne and their agent readily agreed that it is their mistake, but had to talk with my wife, the primary account holder, to remove the charge. I told them she would not have the time to deal with this and if they made a mistake on our account, then they must be doing the same on lot of other accounts of XXXX 's customers. So why not just simply correct their mistake? Talked with a supervisor as well. But they both refused which means we will end up paying for their mistake. We have been a member at XXXX 's for more than 20 years. Never had to pay interest on purchases charged to their CC. I hope others check their statements to see if an interest charge appears on their accounts. I'm sure there is lot of them out there. This is not what I expected from Capital One!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I financed a used XXXX XXXXXXXX truck. Had it for one month and the ac compressor went out, right when summer hit. I found out I was XXXX and was hit by a truck running the red light. Was in the process of getting the truck repaired and they offered no help or lead way with pausing payment until the vehicle was running again. I cant make the payments and pay a {$400.00} car note at the same time. They reproed the vehicle and then told me I would have to pay to get my belongings out the car mind you Im XXXX XXXX XXXX and had my kids clothes and things I couldnt get out. They sold the truck for way less than what they were making me pay and are now trying to force me to pay them XXXX and I didnt even have the truck for a year. I feel as though they preyed upon my vulnerability being XXXX and needing a vehicle to get back and forth to doctor appointments. I had my son early due to all the stress they caused and lost a very important job.

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 2023-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I went directly to the credit bureaus to dispute an account with Credit Acceptance. They sent me a letter back stating that they refused to investigate my file. And the reason was : that they said it came from a credit repair company. They just didn't want to investigate my file. That's horrible.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
aCCOUTN IN QUESTION : XXXX Transunion, XXXX and XXXX Are reporting in correct information regarding a balance on my XXXX credit acct. For the past four months i have called, written and files disputes in which they have all been closed stating nothing will be changes. 

When i opened the acct my initial amt on credit was XXXX I have never missed any payments and all three reports show paid on time each month but they never change the balance due according to what XXXX say they are reporting. 

XXXX has told me they report my balance and i need to take it uo with the credit bureaus. I sent ceritfied disputes at minimum i have copies of all of them and on the credit bureau sites you can see mulitple closed cases on this under disputes. 

MY BALANCE IS XXXX XXXX NO PAYMENT DUE UNTIL XX/XX/2023 100 % ON TIME PAYMENTS MADE EACH MONTH

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2023 I received an email regarding my dispute has been completed. I then called Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the dispute. The representative XXXX said the accounts were verified. I am in disagreement with your decision. Ive requested you provide me the information you used to verify and validate these accounts, you have yet to do. By law, you are supposed to provide me with exactly how you verified the items and include the name of the person you spoke with and the telephone number. How can you decide if these accounts are accurate without an original contract with my signature? You have never obtained personal interviews with my neighbors, friends, and associates who may have knowledge concerning these accounts. For that reason, you have FAILED to conduct a proper investigation. You have violated my consumer rights. To my understanding, by Fair Credit Reporting Act 611 ( a ) ( 7 ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute. I NEVER received the requested information from you. According to Fair Credit Reporting Act ( FCRA ), everything on my consumer report/ credit profile must be accurate, and verifiable. If after reinvestigation the item information is found inaccurate or incomplete or can not be verified the consumer reporting agency must DELETE the item. According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. XXXX XXXX XXXX Delete this item. It doesnt belong on my credit profileXXXX XXXX XXXX XXXX XXXX  ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX XXXXXXXX. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXXXXXX XXXX  XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX XXXX XXXX  ( Delete this item. It doesnt belong on my credit profile. )

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 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I called to cancel my hotspot services with XXXX XXXX During the conversation, I asked the representative what do I do with the device now that I've cancelled my services? She responded without hesitation, " just throw it away ; we don't need it. '' I responded, " you don't it need it? '' She said, " no. '' The representative was very confident in her response, and I believed what she said was correct ; so I threw the device away. 

My account has now gone into collection for the amount of {$380.00} for not returning the hotspot device. I've called and spoke to numerous representatives, a manager, and even sent a certified letter stating I was misinformed by one of their representatives and therefore I shouldn't be held financially responsible for her mistake. Given the fact, my question is a standard question people ask a customer service representative when returning their company 's product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have for months reached out to Shellpoint Mortgage to request that the additional principal payments that I'm making on my loan be applied to the principal reduction. I have however been ignored multiple times. The principal payments I am making are very small additional principal payments, but they are still additional principal payments and the correct legal accounting principles should still be applied. Shellpoint mortgage can not decide if they just get to hide my additional payments and not apply them to principal. They seem to be doctoring their accounting to not allow my additional payments to be applied to principal. The letter I received from them months ago ( after numerous requests ), outline that any additional principal payments would be applied to the principal, but they are not doing that. They're just holding the additional funds which is not allowed, they classify it as 'Unapplied Payment '. Why, so my principal does not get reduced and they can generate higher fees, that is illegal and unethical, they need to apply standard accounting principals and not withhold my additional payment from my principal reduction. Attached are the images taken directly from my account showing the additional principal payments I'm making, they are very small but they dont apply them to my principal, despite that being the requirement and their letter stating it would be done. In addition after multiple requests they finally apply the principal payments but they do it months later than the payments were made, and then reverse the charge so it does not even apply. Additional principal payments need to be applied to the month they were made in. Shellpoint mortgage does not get to decide to apply the additional payments months later and thus keep my principal higher for all those months just so that it benefits them and they can generate higher fees that is playing with the numbers and taking advantage of clients. They are taking advantage of clients, playing with the accounting numbers to seemingly generate additional fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

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 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent letters to XXXX But they are repeatingly reporting false information that is not accurate on my credit report which is costing me to buy a home no action as been taken by the company to move the false 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 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
Received notification that there was a collection due in my name that I never opened right when I applied for a mortgage. Spoke with representative to let her know that this is time sensitive and asked for a fax or email and she stated that the company has a no electronic communication policy. This is real in 2023 to not even have a fax nor email to address fraud or time sensitive issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/XXXXXXXX  I bid on an online auction with the company XXXX. I won the bid, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received an invoice # XXXXXXXX in the amount of {$55000.00} to be wire transferred to : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX The transfer was made thru : Chase Bank XXXX XXXX XXXX. 
XXXX, FL XXXX Account # XXXX Routing # XXXXXXXX XXXX XXXXXXXX XXXX XXXX which is listed as active with FL Dept of State Business Reg # XXXX. I have been unable to contact XXXX ( XXXX ) nor XXXX XXXXXXXX XXXX XXXX, which I have no POC for them. 
Any assistance you can give me in contacting XXXX XXXX XXXX XXXX would be appreciated I have more documents if needed. 

This is the letter I got from Chase Bank in XXXX FL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am filing this complaint against Capital One Bank for taking adverse action against me damaging my credit worthiness after I made contact expressing hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Franklin Credit Management Corporation
State: TX

Complaint narrative:
A relative forged my name on a mortgage document in XXXX when I was undergoing treatment for XXXX in XXXX. they purchased a home in XXXX and paid on it for 1 year XXXX then stopped. They then forged a quit claim deed and signed the property over to themselves which I complained about but nothing was done by the state of Michigan or the XXXX XXXX XXXX. Now it is XXXX and I receive threatening and harassing letters from this company threatening to sue me for a debt that for XXXX isn't mine and secondly, they are owed XXXX on a property valued at over {$200000.00} and their recourse is to foreclose on an illegally obtained property which I offered to attest to. However they continue to harass me after 16 years has passed and make threats. The statute of limitations in texas is 4 years and since 17 years have passed, they have NO legal recourse, and no right to threaten me. I am a 100 % XXXX veteran ( XXXX ) suffering from XXXX and this company is causing undue stress when I dont own and never owned the Property at XXXX XXXX XXXX XXXX XXXX XXXX a relative does, a relative that committed several crimes to fraudulently obtain the property. Being that I do not and never held the property, and all documents are fraudulent, Franklin Credit Management has no right to harass me after 17 years has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
aCCOUTN IN QUESTION : XXXX XXXX, XXXX and Equifax Are reporting in correct information regarding a balance on my XXXX XXXX XXXX For the past four months i have called, written and files disputes in which they have all been closed stating nothing will be changes. 

When i opened the acct my initial amt on credit was XXXX I have never missed any payments and all three reports show paid on time each month but they never change the balance due according to what XXXX say they are reporting. 

XXXX has told me they report my balance and i need to take it uo with the credit bureaus. I sent ceritfied disputes at minimum i have copies of all of them and on the credit bureau sites you can see mulitple closed cases on this under disputes. 

MY BALANCE IS XXXX XXXX  NO PAYMENT DUE UNTIL XX/XX/2023 100 % ON TIME PAYMENTS MADE EACH MONTH

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
aCCOUTN IN QUESTION : XXXX XXXX, Experian and XXXX Are reporting in correct information regarding a balance on my XXXX XXXX XXXX For the past four months i have called, written and files disputes in which they have all been closed stating nothing will be changes. 

When i opened the acct my initial amt on credit was XXXX I have never missed any payments and all three reports show paid on time each month but they never change the balance due according to what XXXX say they are reporting. 

XXXX has told me they report my balance and i need to take it uo with the credit bureaus. I sent ceritfied disputes at minimum i have copies of all of them and on the credit bureau sites you can see mulitple closed cases on this under disputes. 

MY BALANCE IS XXXX XXXX NO PAYMENT DUE UNTIL XX/XX/2023 100 % ON TIME PAYMENTS MADE EACH MONTH

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