vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX FL, XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

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 2024-05-20 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Company said I was pre approved and they pull my credit report twice with XXXX and I was told to upload my ID and and take a picture and record a video and within 30 mins my application was denied and they wouldnt removed the double credit inquiry on my credit report and I have good credit history and they refused to review my application for XXXXXXXX XXXX XXXX and scam me for two double hard inquiry.. I want them removed or I will take legal actions..

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiries made by the company.. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiries made by the company.. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
Made payment on credit card. Two days later a duplicate payment was taken from our checking account. Eight attempts have been made by phone to find out when the double payment would would be corrected. This was a month ago. First we were told 5 days to correct, after 5 days it became 10 days to correct. Them we were told a check was sent. No check, it will take an additional 10 days to correct. Toady the last 10 days ended, they want 5 more days to correct.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
Last night someone applied for credit under my name it was FRAUD -- the company Net Credit never took the time to send a text time or have measure to prevent this i called they told me to file a Police report -- -they should take better preventive security measures for this never to happen again -- -- -to anyone call the customer or send a text to see if it's them -- --- i will call on Attorney to find a reason for this never to happened again

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NJ

Complaint narrative:
XX/XX/2024 placed an order on XXXX for XXXX XXXX jackets for myself, total {$3000.00}, used my Chase XXXX XXXX credit card, paid through XXXX. 
XX/XX/2024 my credit card was charged for the total amount. 
XX/XX/2024 the package arrived, and XXXX jacket ( {$1900.00} ) is mens. 
XX/XX/2024 I returned the wrong jacket through XXXX XX/XX/2024 filed dispute with Chase as I was working with the merchant to get my refund XX/XX/2024 received the email confirmation from XXXX that they have issued refund of {$1900.00} to XXXX ( XXXX emails attached ) Since then, I have called both Chased and XXXX countless times. Each time they just kicked the ball to the other side citing some regulatory constraints. 

As the result of this, as of today, the refund has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
XX/XX/XXXX statement says {$5100.00} is regular monthly payment and next payment due is XX/XX/XXXX. 

I paid {$5100.00} on XXXX XXXX but the statement dated XX/XX/XXXX charged a {$85.00} late fee and states the " total amount due on XX/XX/year> is {$9000.00} '' I have to waste my time trying to talk to reps who call to try to get me to pay over-the-phone and have no knowledge or authority of the payments. One rep told me to " make the payment a couple days AFTER the due date '' to avoid them applying my payment incorrectly. I am NOT going to pay late and should not be asked to pay late just because they are inept in processing the payments correctly. This is an ongoing problem and they need to learn how to apply payments correctly! 
Also, the " regular monthly payment '' states {$5100.00} on the XX/XX/XXXX statement, {$4600.00} on the XX/XX/XXXX statement, {$4900.00} on the XX/XX/XXXX statement and {$4600.00} on the XX/XX/XXXX statement. I received XXXX different ANNUAL ESCROW STATEMENT stating the NEW PAYMENT amounts as {$4900.00} and {$4900.00}. Why all the discrepancies and inconsistencies? I have had dozens of mortgages throughout my XXXX career as a landlord and have never had the ongoing problems as I face with Fay Servicing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XX/XX/XXXX of XXXX I made a paypal credit purchase from the website mechanicsspace.com. The transaction was processed and the vendor never sent me a confirmation or tracking number for the shipment. I tried contacting the vendor numerous times and was never successful. In the meantime, the website was taken off line and the contact email address was no longer reachable. 
I filed a dispute with PayPal credit and they initially refunded my purchase price back to my account. On XX/XX/2023 paypal credit billed the purchase price back to my account under their name instead of the original vendor. 
I have filed XXXX subsequent disputes with PayPal credit and they have declined to pursue the dispute. I have tried multiple times to obtain the investigation info from them to no avail. I have records of the original dispute and have never received any info from the original vendor.

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 2024-05-20 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: IL

Complaint narrative:
In XXXX, while booking family flights I was targeted with an offer from XXXX XXXX for an offer of the Citi XXXX credit card with a {$400.00} sign up bonus and XXXX bonus miles. The offer seemed great so we applied, got approved and then purchased our tickets. 

After getting the card, Citi changed offer to their in house offer to XXXX bonus miles and not honoring my original offer. 

Ive reached out and was told nothing could be done unless I sent them a mailer or flyer and that the website alone is not proof of an offer to me. This was an offer given at checkout which I took advantage of at that moment. Ive been repeatedly told I can do nothing and the application team has what it has without any flexibility to honor what was rightfully offered to me. 

They only offered a courtesy of XXXX XXXX  miles and are unwilling to offer me what I was offered upon checkout.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of a fraudulent inquiry from my Equifax credit report. On my recent credit report, there is an inquiry from " XXXX '' dated XX/XX/2024, which I did not authorize or initiate. 

This unauthorized inquiry is a result of fraudulent activity, and it is negatively impacting my credit score and overall credit profile. I have never applied for any service or product associated with " XXXX '' on or around the date mentioned. 

I kindly request the CFPB to intervene and facilitate the immediate removal of this fraudulent inquiry from my Equifax credit report. Additionally, I urge Equifax to conduct a thorough investigation into this matter and take necessary actions to prevent such incidents in the future. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
Lakeview loan servicing company demanded information of my condo unit insurance policy in XX/XX/XXXX. My bank XXXX complied immediately and provided them the proof of my carrying condo unit level insurance for the period in question. Lakeview confirmed we satisfied their demand, yet they incorrectly purchased a condo master insurance policy in addition to my condo unit level insurance policy ( required homeowners insurance policy ) which I have carried for the life of the mortgage. My mortgage payment to include escrow was normally {$990.00} as of XX/XX/XXXX when I was only being charged a condo unit level insurance policy which I carry through XXXX. Due to whatever mistake Lakeview made despite my prompt compliance with their XX/XX/XXXX request, they added a condo master insurance policy to my account beginning XX/XX/XXXX which has raised my overall payment to {$1300.00} per month which they have charged me since XX/XX/XXXX to present. I've called them directly multiple times since XXXX XXXX upon which they said they need to perform a new escrow calculation or something akin to it. The fact of the matter is they have overcharged me by approximately {$400.00} per month for each of the past 5 months and have made no attempts to resolve their mistake. I called them directly again in XX/XX/XXXX and no progress was made in correcting their error. I also spent 30 minutes speaking with them earlier this morning ( XX/XX/XXXX ) upon which they said I needed to directly call their customer service line. Once the call ended I immediately called the number the rep gave me ( XXXX ) and it went directly to voicemail. As such I have no confidence that this company has any desire to reverse their obvious error or refund the money they continue to overcharge 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 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
ACCORDING TO THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT 611 ( a ) 15 USC 1681i ( a ), these disputed items must be reinvestigated or deleted from my credit report within 30 days. During the investigation preiod, these item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am requesting the names, addresses ad telephone numbers if individuals you contacted durning your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Issues with financial aid services
Company: MOHELA
State: CA

Complaint narrative:
I enrolled in XXXX XXXX XXXX XXXX in XXXX with the deceiving tactics of indirectly hinting to guaranteed job placement in the film industry upon the completion of XXXXXXXX XXXX XXXXXXXX with major in film and video production. To cover the expensive cost of tuition, I had to take a combination of private and federal loans. Some of the private loans structure were confusing and got sold out to different lenders before even finishing the school. In XXXX, after completing the program and graduating, they denied committing to any responsibility of job placement. At the same time, I start receiving multiple bills from different lenders. The XXXX XXXX bill had different loan interest rates than the previous lender issuer at 8.99 %. The number of payment became overwhelming and I refinanced all private loan with XXXX for a fixed interest rate of 5.5 %. I have been paying this for the last 15 years and still owe large portion of the principal. The school degree was not recognized in all my attempts to obtain employment. The school misconduct caused me a life long sense of failure. It has been discovered the school had operated with bad faith and many complains had shown it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I received an email from Mobiloans stating that they are not licensed to lend in my home state of Florida. I live in Florida and was able to take out the loan anyway.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Bank offering {$900.00} combined bonus for opening both checking and savings account. Followed all steps, using their links which say coupon applied, then met all requirements. Inquired why bonus had not been paid out on Checking and was told the promo code was never applied, and they cant retroactively apply it after 21 days. They are still offering the same bonus, but say they cant do anything. we went into branch for help as well, they filed a complaint but said they cant override it. They did it to my husband as well, who signed up and opened his own accounts. 

Please help, they owe us {$900.00} in advertised bonus and now wont pay it,

Company response to consumer: Closed with explanation