vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 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: KY

Complaint narrative:
My consumer rights are being violated. I have fraudulent accounts appearing on my credit file that need to be removed immediately. Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). Equifax, XXXX and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. Notice, it is a fact, affiant is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ) .Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report for XXXX, account number XXXX and JPMCB account number XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition { Company Name } has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) and information associated with XXXX, account number XXXX and JPMCB account number XXXX must be removed.My consumer rights have been violated according to the FCRA and if these accounts are not removed immediately I will seek remedies for violations of my consumer rights. 1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: MD

Complaint narrative:
XX/XX/2021 I mailed out a copy of my consumer report concerning inaccurate information being reported. Not only did I not give permission for this information to report to begin with but it has been proven as incomplete, inaccurate and unverified by XXXX. I have since provided actual documentation proving exactly that. It is misleading and harmful to myreport and well being as a consumer. I understand these companies are given 30 days to respond but they never had my permission nor any other permissible purpose to furnish this wrong information at any time or at all. I demand they comply with the law and remove these damaging accounts 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 explanation
Consumer complaint received 2021-10-18 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: KY

Complaint narrative:
My consumer rights are being violated. I have fraudulent accounts appearing on my credit file that need to be removed immediately. Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). XXXX, Transunion and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. Notice, it is a fact, affiant is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ) .Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report for XXXX, account number XXXX and JPMCB account number XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition { Company Name } has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) and information associated with XXXX, account number XXXX and JPMCB account number XXXX must be removed.My consumer rights have been violated according to the FCRA and if these accounts are not removed immediately I will seek remedies for violations of my consumer rights. 1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$1000.00}

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 2021-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: EQUIFAX, INC.

Complaint narrative:
Vehicle was repossessed I haven't received no notices by law of vehicle when sold how much it was sold for by law 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I am a consumer pursuant to 15 U.S.C 1681 ( c ), you are a debt collector pursuant to 15 U.S.C 1692a ( 6 ). To my understanding all credit reporting agencies get their information from the same company sourced as the original creditor. The inaccuracies being reported are detrimental to my credit capacity, credit worthiness, and credit standing. XXXX has investigated this dispute and removed the error immediately. If all credit reporting agencies retrieve their information from the same original creditor there should be no misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Bought a washer and drier at Home Depot in XXXX of XXXX. Was told to get a Home Depot credit card to take advantage of 0 % interest for 18 months. I directly asked and it was directly related to me that there was no interest charge and would be no interest charged until after 18 months. At no time was it related to me by the store representative that the account was for " deferred interest '' and that interest was in fact accruing the entire period at an onerous 30 %. As I utilize online banking and autopay my card I had no reason to go online and see interest payment on my account until I logged on in XXXX of XXXX when I had money pay off the cards remaining balance in full. I was quite enraged to find that my balance was not the {$600.00} i expected but rather some {$1200.00} after being charged {$650.00} in Deferred Interest! If I would have known this was occurring or would occur I like would have never opened the account to begin with or would have most certainly paid off the card immediately. Now I am being charged {$650.00} dollars in interest for a {$1000.00} washer and dryer. Please help!

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 2021-10-18 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: MD

Complaint narrative:
XX/XX/2021 I mailed out a copy of my consumer report concerning inaccurate information being reported. Not only did I not give permission for this information to report to begin with but it has been proven as incomplete, inaccurate and unverified by XXXX. I have since provided actual documentation proving exactly that. It is misleading and harmful to myreport and well being as a consumer. I understand these companies are given 30 days to respond but they never had my permission nor any other permissible purpose to furnish this wrong information at any time or at all. I demand they comply with the law and remove these damaging accounts 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 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello, I have a credit card issued by Chase and co-marketed with Southwest Airlines. The product is a Southwest Rapid Rewards Priority Card. 

The card advertises 4 free Southwest Upgraded boardings every year. In brief, at the airport, you pay $ 40-50 board the plane earlier and Chase is supposed to issue a credit for these charges. However, after over 6 attempts to use this benefit, every single time I try to use this benefit, the airport Southwest gate agents have stated that upgraded boardings are available but that that specific Chase card is declined as a payment method for this benefit ( their system errors out and says invalid payment method ). To be clear, this is not a capacity restriction, I've been told that I would receive a specific boarding positon such as A5, but when the agent tries to run the payment, there is a system error. This makes this advertised benefit impossible to use. My most recent specific example is SNA-DEN on XX/XX/21 with flight 4721 if this is helpful to the airline 's trouble-shooting. In all of these cases, the card was in good standing with many thousands of dollars of remaining available credit line.

In brief, the promised benefit of 4 free Southwest Upgraded Boardings every year is a benefit that is impossible to actually use due to an apparent technical error on the part of Southwest and/or Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has two car rwpos that did not follow any state notices 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Also these collection agencies or trying to aue mw in court one has dropped the case when I notofoed them of the notices because they know they are wrong.

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 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hello, My complaint is about Amazon. I'm going to start at the beginning. 
I opened the Acct. in XXXX last year. They gave me {$600.00} limit. I didn't use the acct. until XX/XX/XXXX. I bought items that totaled {$44.00} and on the same day, I tried to charge {$77.00}. but it was declined, due to over the limit? I thought I had a {$600.00} limit, only to find out from them, that my limit was changed to {$100.00} without me knowing it. So I paid the {$44.00} on XXXX XXXX and Tore Up the Card. 
Then I find out, through my credit reports, that by lowering my limit, lowered my Credit Scores tremendously! 
Now I'm receiving emails that I owe {$140.00}?? I tore up the card, how could I owe? I called them and they told me my balance was XXXX. So I thought they fixed the matter. 
They sent my account to collections. I found out through my credit scores. I lost 60 points because of that! It took a long time to recover from their lowering my limit. This will take me forever! Besides, ruining my credit. 
Thank you, 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 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I recently settle with my lender BSI on a wrongful foreclosure, XXXX  violations and accounting issues I agrre to drop the lawsuit. after a judge Order a ENE ( early neutral evaluation ) we settle on XX/XX/2021 these where my conditions to drop the lawsuit against us BSI and XXXX XXXX XXXX XXXXt :1 : they recinded the sale and return title to me 2 : they give {$5000.00} for compensation 3 : review for a loan mod 4 : reduce my principal from {$470000.00} to $ XXXX forgive attorneys fees around $ around XXXX after all this I agree to not sued them again. 
My problem is an unjust loan mod proposal that is predatory and imposible to pay and to add to injury they not respecting the settlement agreement they keep giving me inaccurate statements and completely ignoring the court order they relying on the fact that I can not sued them againAnd they only comply with saying that they fulfill the requirement of a loan mod even if is imposible to pay so they can foreclosure on me again they do not have any intencin on help me .my goal is to keep my home and pay what I owed with a loan mod that comply with XXXX  guidelines .and that they. give me an accurate statement that reflects the settlement agreement not what ever they say I need Help I am desperate and frustrated nobody seems to be able to help please HELP. 


Home owner info : XXXX and XXXX XXXX Home Address:XXXX XXXX XXXX XXXX 
XXXX XXXX ca XXXX phone XXXX email XXXX Loan servicer BSI financial services XXXX XXXX XXXX second floor XXXX XXXX XXXX XXXX, PA XXXX customer care XXXX loan # XXXX tems attached : copy of proposed loan mod copy of settlement agreement copy of a payoff statement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
There are two separate incidents inXX/XX/XXXX where I found on my bank statements that target cleared my credit card payment by converting my check and then submitted the physical check to my bank. Two separate incidents occurred where Target used the same check twice. The same check was cleared for payment from my bank account as both a converted check and then a physical check. 
The dates of the incidents : XX/XX/2021 check # XXXX written to Target for {$800.00} cleared my bank account as a converted check. 

XX/XX/2021 check # XXXX written to Target for {$800.00} cleared my bank account as a physical check. 

XX/XX/2021 check # XXXX written to Target for {$800.00} was reversed once to correct the double payment. 

Target was unaware that check # XXXX for my credit card payment had been cleared from my bank account twice. 

My Target credit card statement did NOT indicate the two payments deducted by Target using the same check # XXXX. The payment was only credited to my Target credit card balance once. I had to send Target proof of their mistake before the money was refunded. 

XX/XX/2021 check # XXXX written to Target for {$200.00} cleared my bank as a converted check. 

XX/XX/2021 check # XXXX written to Target for {$200.00} cleared my bank as a physical check. 

XX/XX/2021 I called Target again to ask them to correct the clearing of my payment as a converted check and then as a physical check. 
I told them this was the second identical mistake in less than a year. 

I am concerned this same issue could go undetected by other Target credit card holders. 
At this point I am not certain if this mistake by Target is incompetent business practices or intentionally collecting money twice from their customers. I would like this situation investigated to stop this from happening to anyone again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Missing payments, missing 6 years of payment history, debt can not be validated but they are still reporting it and still billing while i am in dispute of the amount owed. The amount due has been incorrect for years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: VA

Complaint narrative:
On XX/XX/2021, I checked my credit report and found a account on my report that was not mine. My information was exposed in the XXXX data breach and I filed a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC
State: FL

Complaint narrative:
Jhpde finance placed an account on my credit report without notifying me about the account. I have tried numerous times to get information about this account and this company has refused to give me any information about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, your company responded to my cease and desist through the CFPB. The company stated account number ending in # XXXX was placed with your Internal Legal Department. In this response I was given two options on how I can contact Internal Legal shown in Exhibit A. On XX/XX/XXXX, I sent Midland Credit Management - Internal Legal an Affidavit of Truth regarding this alleged debt with XXXX XXXX tracking number # XXXX. On XX/XX/XXXX, the communication I sent to the Internal Legal Department was returned to sender due to forward expired as shown in the attachment. 

Since I am unable to reach your company via mail, I have attached my Affidavit of Truth to this CFPB complaint along with Exhibits A, B, and C showing the numerous FDCPA and FCRA violations Midland Credit Management has violated. I, XXXX XXXX, consumer and affiant has first hand knowledge of the facts stated in the Affidavit of Truth. 

As stated in my Affidavit, I demand compensation for each one of the violations that I have listed and I also demand deletion of this derogatory account from all credit reporting agencies since this company violates consumers and does not follow the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Attached is an invoice for the company 's violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Hello, I took a loan of {$2500.00} back in XXXX. The installment were every other Friday since that is my day I get paid from my employer. 
Ive made more than {$2500.00} in payments but since they are a very expensive loans, APR is about 700 %, I couldn't continue to make payments due Covid situation. 
I work in the retail world and basically my income is based on commision plus salary. 

However, I have been trying for months not to contact them via phone and also email to come up with a payment plan and solve the issue. 
They have accumulated more than {$10000.00} in monthly fees that has gotten out of control. they are reporting INCORRECT amounts to my credit that is fully damaging my credit. The account is now delinquent and sure will escalate to worse. 

I haven't heard anything from them this whole year and I see the fees have gone up each month and it look likes with will get worse. 
Id like to dispute this account from my credit, incorrect amount reported. 

Email were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also several phone calls made. 
Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation