vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX, Public Record XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name - XXXX XXXX Incorrect DOB - XXXX  Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2024-04-08 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: CA

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I looked at my Experian report back on XX/XX/2023 and noticed some things were incomplete and not accurate. And according to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are not complete and accurate. 
I sent a letter asking them to reinvestigate and also did a complaint with you the CFPB, certified mail receipt XXXX, to which I received a response that everything was complete and accurate but if you check my attachments everything is not complete and accurate. ( see attached ) I am now requesting a detailed description of the procedure used in the reinvestigation process? What Metro2 compliance procedure was used in the reinvestigation of these accounts? Was the furnisher Metro2 compliant? Which aspect of Metro2 were they compliant with in the description of their response? What aspect of Metro2 in the description made what they reported about the account accurate and verifiable? Please provide the information by your agency relating to the disputed accounts on my consumer report pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 6 ) ( b ) ( iii ) and 15 USC 1681i ( 7 ).

Can you please see to it that EXPERIAN follows ALL Federal laws in accordance with the FCRA.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I reviewed my credit report and saw many hard inquiries I do not recognize or approve

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
roundpoint holds the 1st mortgage on my home. They purchased my mortgage about a year ago. I am not a subprime mortgagee. I have now received two letters from roundpoint claiming that I don't have " wind insurance '' which is absolutely false and they are threatening to buy " wind insurance '' on my behalf for an outrageous sum of money. The most recent letter is dated XX/XX/2024. I have twice uploaded my policy documents and twice explained to them in a cover letter that my policy is an " open perils '' policy and thus only things that are specifically excluded are not covered and wind damage IS NOT excluded. I have consulted with my insurance agent and I know I have my facts straight yet roundpoint persists in harassing and threatening me. I have tried to contact roundpoint but as I'm sure others can attest it's virtually impossible to find an actual human to speak to and/or get any help. I think their practices are extremely unhelpful at best, certainly predatory and potentially fraudulent. If they falsely claim that I don't have a form of coverage they require because they can't figure out my insurance policy and then charge me for a service that was neither asked for or required, that's fraud.

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 2024-04-09 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:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

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 2024-04-08 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am writing to file a formal complaint against TD Bank concerning multiple instances of mishandling, lack of communication, and unprofessional conduct. As a consumer, I have encountered numerous issues with TD Bank 's services, particularly regarding the handling of convenience checks and subsequent customer service interactions. 

On multiple occasions, TD Bank sent me convenience checks, ostensibly for use against my TD Bank credit card limit. However, my attempts to utilize these checks have been met with frustration and incompetence on the part of TD Bank. 

Specifically, on XX/XX/2024, I attempted to deposit a convenience check in the amount of {$19000.00}, out of my {$20000.00} credit limit with TD Bank. Despite promptly informing TD Bank via its message center on the same day, I received no acknowledgment or response from the bank. XXXX days later, I received notification from the financial institution where I deposited the check that it had been returned without cashing it, citing reasons unknown to me. TD Bank failed to communicate with me regarding this issue, leaving me uninformed and bewildered. 
Subsequently, on XX/XX/2024, I reached out to TD Bank once again, informing them of my intention to use another convenience check and requesting that they honor it. Despite my efforts, I received no response until I resorted to contacting TD Bank 's CEO, XXXX  XXXX, via the bank 's XXXX messaging system on XX/XX/2024. 
Then, TD Bank sent me another batches of convenience checks and emails to encourage me to use the credit limit against my credit card. 

Therefore, I attempted to deposit another convenience check sent to me by TD Bank in the amount of {$6000.00} on XX/XX/2024. Once again, the check was returned uncashed on XX/XX/2024. 

Additionally, on XX/XX/2024, I received an email notification from TD Bank informing me that my personal online banking username had been retrieved, despite my not initiating such action. Upon calling TD Bank 's customer service line, I encountered another unhelpful representative named XXXX, who failed to address my concerns and seemed disinterested in assisting me. 

I request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against TD Bank for its failure to uphold basic standards of customer service and consumer protection. Additionally, I demand reimbursement of return check fees and honor its offering of using up to {$20000.00} of my credit limit. 

Thank you for your attention to this matter. I look forward to a swift resolution and appropriate measures to prevent such incidents from occurring in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
Ive been going through this since XX/XX/XXXX of 2023. Victim of identity theft, someone purchased items from company XXXX, I reported it to smart pay and they ceased any debt due to fraud. The collection company security credit services was charging me the debt which was confirmed as fraudulent. Ive spoken to both smart pay and security credit services multiple times they have told me the account was closed due to fraud but In XXXX it still shows as collection debt from Security credit services. I am seeking urgent help for this issue its been almost 8 months everyone tells me the account was closed but It seems like the collection company and XXXX havent had good communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Amex 's XXXX XXXX XXXX has had a benefit whereby if you spend {$15000.00} in a calendar year, you get a free night certificate. I started spending on this card this year, however on XX/XX/XXXX they announced not only will this be discontinued in XXXX, only spend up to then counts. So, I would need to spend {$15000.00} before XX/XX/XXXX and not XX/XX/XXXX. This was done in the middle of the earn period, so this is basically false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I'm filing a complaint against Navy Federal. On XX/XX/23, XX/XX/23, and XX/XX/23, I exercised my right to credit. However, I was unlawfully denied my right to credit, and Navy Federal Credit Union took the securities I was supposed to receive. They also used my credit card via my Social Security number for unauthorized purposes, and I received no benefit after they used my credit card. Furthermore, Navy Federal illegally took adverse action against me as a consumer. I was also denied credit based on the " amount of non-mortgage account balances paid down in the last 24 months, '' which is a violation of the ECOA.

In totality, I am filing complaints related to : Adverse action ( 12 CFR 1002.2 ) Denied securities ( 15 USC 1691 ( a ) ) Denied credit based on " amount of non-mortgage account balances paid down in the last 24 months '' ( Section 701.6 ( a ) ( 1 ) of the ECOA ) Discrimination ( 12 CFR 1002.4 ) Last but not least, I tried three times to exercise my right to credit, and Navy Federal has been acting belligerently and discriminatively against me. Therefore, the remedy I am seeking is not only my securities they denied me, but I would also like compensation because their denial has affected my way of living

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: OH

Complaint narrative:
This company started calling me, I told them to stop calling me on the phone and send me something in the mail, they kept calling me, but soon stopped. I did receive a letter from this company saying that they were investigating, then it showed on my credit report that I owed this. I NEVER received anything from this company telling me that they were going to do this. I sent a letter, certified mail, on XX/XX/2024. The reply I got from the Post Office was, the company told the Postman to take it back to the Post office and they would pick it up there. I haven't received anything showing they ever picked up the letter. Here is a copy of the letter. 

Capio Partners XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom it may concern, According to 18 USC 894, states Whoever knowingly participates, in any way, or conspires to do so, in the use of any extortion and means, to collect or attempt to collect any extension of credit, or to punish any person, for the nonpayment there of, shall be fined under this title or imprisoned, not more than 20 years. 
I need you to send a copy of any contract that I have with you, showing my wet ink signature, promising to pay you. Furthermore, I was denied credit for an XXXX Credit card, due to this egregious, unlawful crime that took place, with this information being on my credit report. You have conspired with the credit reporting agencies, also, I need your license number to collect in the State of Ohio. 
I want this REMOVED from my credit report, within 30 days of the delivery date of this letter! Furthermore, you DO NOT HAVE MY PERMISSION TO SHARE MY INFORMATION WITH ANY OTHER PERSON OR COMPANY. 
If I do not receive a written reply within 30 days, I will access damages, which you will be invoiced for and expected to pay. DO NOT CONTACT ME BY PHONE OR TEXT!!!! Every attempt to contact me by phone will be documented and I will add {$100.00} per attempt to the damages. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This issue has already been addressed, but it was addressed in a way that was overly burdensome and opaque to me, the consumer, so I want to request that the Consumer Financial Protection Bureau look into it. 

This morning ( Monday, XX/XX/2024 ), I tried to sign up for energy service from XXXX XXXX for a house in North Carolina that I am in the process of purchasing. XXXX XXXX would not allow me to sign up for service until I unfroze a fraud alert I placed on my account with Experian last year. The alert was purely precautionary, in response to my suspecting that someone may have been trying to steal my identity. No actual identity theft happened. I needed urgent help removing the fraud alert since I am moving into the house at the end of the month. 

I visited my online account with Experian to try to remove the fraud alert online. All I could find was instructions for how to mail them my request by snail mail. There was no information about how long it would take for them to process the mail, whether there was a fee involved, or whether there were any options to expedite the process. I called multiple numbers listed on their website for help, but their automated assistant program refused to connect me to someone whenever I stated that I needed help removing a fraud alert. Whenever I did that, the system directed me to the snail mail instructions on the website, which did not answer my questions. Only when I called Experian and stated that I wanted to speak to them about a membership issue did the system agree to connect me with a human representative. That person was lovely and quickly helped me remove my fraud alert over the phone, so I had no issue with the actual representative. But it took me six phone calls to multiple phone numbers, lots of waiting, and disregarding the automated system 's instructions to actually get the help I needed. 

It is unethical for a company to make it so challenging to remove a fraud alert for an urgent matter like having energy in my home. And it's unethical for the company 's website to make it seem like snail mail is the only option for requesting removal of a fraud alert. 

Please investigate this matter. I'm sure you will find cases similar to mine. I have paid Experian for membership and given them a lot of personal information about me. They have an obligation to handle that information, and my wishes with it, promptly and responsibly, and this morning 's experience showed me that they are not fulfilling that obligation.

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 2024-04-08 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: CA

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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 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 XXXX XXXX ( 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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. 

XXXXXXXX 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 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: OH

Complaint narrative:
XX/XX/year> I disputed upgrade account XXXX XXXX XXXX 
Equifax failed to add notice of dispute to my report. Its my understanding that the bureau has 31 days to add the notice of dispute to the report and we are well pass 31 days I have attached a copy of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-08 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:
There is items on my credit that do not belong to me. it is a lease that is XXXX it is another one that is XXXX there is another one that is XXXX i contacted the credit bureaus to get them to investigate the items they refused and told me to do my own investigation.

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