vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 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: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
XX/XX/XXXX I requested a Lienholder 's Certificate from Select Portfolio Servicing as required by XXXX XXXX in order to get a Boundary Line Elimination on my property. In XXXX of XXXX, I was finally informed from Select Portfolio that I needed to pay {$500.00} for their legal department to process the document and I had to submit a survey of the property with the Boundary Line Elimination proposal a plat of the current property, and I had to purchase XXXX XXXX. Select Portfolio has not delivered the Lienholder 's Certificate as of this date and it has been a year and five months since my initial request. I have called dozens of times for updates, emailed the ombudsman department that is receiving updates from the legal department and have only received the same response- they do not have a projected date of delivery. They will not tell me how long it will take, where I am in the pile, how many people are working on it and why it is taking almost a year and a half. Unfortunately, I can only obtain this document from my mortgage company. And I can not get a much needed Boundary Line Elimination without this document that my mortgage company will not deliver. I'm paying yearly taxes on XXXX tiny little lots that need to be combined, not only for economic reasons, but for the workload it causes XXXX XXXX XXXX Department. Both XXXXhe County and I need this to happen. We can not do a thing until Select Portfolio delivers. Instead, Select Portfolio keeps sending me copies of the title paperwork that I never requested. I received a letter this week from Select Portfolio, dated XX/XX/XXXX. It stated : " In your inquiry, you requested information regarding the title policy. We have enclosed the Policy of Title Insurance. '' I never requested my title. I have only requested a Lienholder 's Certificate. I've spent {$2100.00} on a survey, {$500.00} on Select Portfolio 's processing fee, {$240.00} on XXXX XXXX and I still don't have a simple one page document called a Lienholder 's Certificate that should have been provided nearly a year and a half ago. 

I need to escalate this matter. Please publish this complaint. I have been incredibly patient and now I have to escalate this matter in every conceivable direction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: VA

Complaint narrative:
On XX/XX/XXXX, I received an offer from Chase that said " Get {$900.00} for both ( an extra {$400.00} bonus ) ChaseTotalChecking + Chase Savings ''. On XX/XX/XXXX at noon, I had an appointment with XXXX XXXX at the Chase Bank branch on XXXX XXXX XXXX XXXX, XXXX, VA. 

Before opening the account, XXXX and his supervisor confirmed my eligibility for the {$900.00} bonus. However, after the account was opened, I discovered that I would only be eligible for a {$200.00} bonus. Furthermore, my account would not be eligible for any checking or savings bonuses for the next 24 months. 

Chase and their employees misrepresented my eligibility to the {$900.00} checking and savings bonus. Enclosed is the bonus offer I received from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023.

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 2023-10-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: GA

Complaint narrative:
The following accounts on my consumer file is due to identity theft and needs to be removed and blocked on all three credit bureaus

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 2023-10-28 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: GA

Complaint narrative:
The following accounts on my consumer file is due to identity theft and needs to be removed and blocked on all three credit bureaus

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 2023-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
On XX/XX/2023 i applied for a line or credit with NETCREDIT and was denied my right to credit because of information inside my consumer report. information contained inside my consumer report is not a determining factor of credit and is a violation of the Equal Credit Opportunity Act. Not only was I denied my right to credit but NETCREDIT also used my credit card ( ssn ) and I received no benefit from the use of my credit card. NETCREDIT is violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act by denying me my right to credit. This has hindered me from providing basic necessities for my and my family. Denying me my right to credit has also hindered my unalienable rights to life liberty and the pursuit of happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-10-28 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: DISCOVER BANK
State: TX

Complaint narrative:
I was added to the Discover Bank XXXX as an authorized user XX/XX/2023. The XXXX ended XX/XX/2023. The XXXX Cycle started XX/XX/2023. 

I first pointed this information out to Discover and asked them to remove the delinquent entries. 

I then educated myself and DISCOVERED ( pun intended ) that it is a violation of the law [ 15 USC section 1681a 2 ( A ) ( i ) ] for Discover Bank to report late payments as delinquencies after assessing late payment fees. These paid fees makes the payments transactions. No creditor or credit bureau is permitted to report transactions. 

I asked Discover Bank, and each respective bureau that Discover reports to, to reverse the late payment entries to okay or paid as agreed. 
Instead, Discover Bank added OK to the previous month preceding the two months that the false and illegal late payment entries were submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: CT

Complaint narrative:
I reviewed a copy of my credit report and XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX and XX/XX/XXXX. 

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. Please contact XXXX XXXX and investigate such occurrences. 

I also have contacted the credit bureaus and this account still has not been deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have previously requested by mail for PHH Mortgage to outline and clearly explain the terms and conditions specifically pertaining to the Promissory Note to no availability. PHH Mortgage advised instead to decline such a request however this is a violation of the agreement between us. This complaint serves as a last attempt effort for PHH Mortgage to clearly address my concerns to ensure that my rights have not been violated and that the agreement in question does not contain material misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The spelling is Not correct!! I was never known or spelled my name this 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 non-monetary relief
Consumer complaint received 2023-10-28 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2023-10-28 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed the account as irrelevant and once I get their notification, everything seems unchanged. Some I don't recognize on my credit report I reported it as theft of identity, but the record stays on my report.

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 2023-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I paid my Kohls charge of {$72.00} one day late on XX/XX/XXXX ( was due XX/XX/XXXX ). Kohls charged late fee of {$29.00} so next payment was {$100.00} due XX/XX/XXXX. I called to ask if they could remove the late charge since it was only 1 day late, and they said they could. So I paid my usual monthly charge of {$72.00}, assuming the late fee had been removed from my XX/XX/XXXX amount due. 
Received my bill for XX/XX/XXXX, which said i owed {$140.00}, for $ XXXX  monthly payment, plus XXXX late fees- {$29.00} and {$40.00} for second late fee. I called to ask what happened, spoke with rep who said the late fee isn't removed from the current payment due, which is how every other credit card i know of does it, but instead they take it off your " balance. '' So they said i had still owed the {$29.00} late fee when i made the XX/XX/XXXX payment. And because i hadn't payed the " total amount due '' of {$100.00}, they added another late fee of {$40.00} so I now owed {$140.00}. I asked to speak with a manager, the rep assured me he could help, and i had to ask 3x before he put me on hold. Then i was cut off. This was a few days prior to XX/XX/XXXX. 
I looked up Kohls late policy online, and they do not describe how if a late fee is removed, you still have to pay it and it's taken off your total balance. I left a message asking for a copy of their late fee policy to be sent to me, never received it. I called back on XX/XX/XXXX, talked with rep who again told me I owed all these late fees, i asked to speak to a manager, but after answering a few questions he said ok and hung up. I called back again, asked immediately to speak to a manager, was dissuaded by rep who assured me he could help me. He told me the same info about owing the late fees, i explained my side, he told me if i paid the {$29.00} late fee that would bring my account " current '' and he could then help me. So i paid the {$29.00} late fee, and he told me i still owed the {$72.00} + {$40.00} late fee. I asked to speak to a manager again, he put me on hold and then said that no manager was available but he understood my frustration and if i paid the {$72.00} he could wipe out the {$40.00} late fee. So I paid {$80.00}, and he assured me that took care of all that was due and my next months payment would be just {$72.00}. 
But now I received my bill due XX/XX/XXXX and it's showing that I owe {$140.00}, and it shows they refunded me {$20.00} but it should have been {$29.00}. And they're charging me another {$40.00} late fee although i was not late on my payment, and I'm not sure why i owe {$140.00} as my monthly charge of {$72.00} + {$40.00} ( which i shouldn't owe anyways ) would only equal {$110.00}. To be clear, i haven't bought anything with my kohls card, i've just been trying to pay it off, making my monthly payment every month, which is {$72.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2023-10-28 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: OR

Complaint narrative:
LAST YEAR I HAD FILLED A DISPUTE FOR THE PURCHASE OF A {$200.00} VISA GIFT Card which when i went to use it the money was not there because there was some group of people going around tampering with the gift cards it was a fraudulent investigation that took place after i was denied for a replacement so once their investigation was complete they found that there was a bunch of other people that had been victim to this so so XXXX gift card services opened up a lines for those that had lost their money to call for replacement cards to the value of what was stolen but they did not call or email me to reopen my dispute and replace my amount that i had lost which was {$200.00} it took for me to file a complaint with the XXXX XXXX gift card approved my dispute after the cfpb was involved however they sent the replacement card to my old address which i have moved from that address 6 months ago by the time i found out they would b XXXX sending me this replacement card the one they sent had already been delivered when i checked the tracking number that had to call to receive they did not reach out to me and ask me if i still lived at the same address being that it was a year ago when my dispute was filed and denied I called them and told them i did not receive the replacement card as soon as i found out it was delivered to the old address and just like my experience with their customer service in the past I get no where XXXX telling them the tracking information that was given says it was delivered i called XXXX they said it was delivered and they steady telling me it will take XXXX business days before the card is delivered and that it has not been delivered when it has. This company is the worse to ever deal with is why i chose never to purchase another visa anything because if something goes wrong you will not get the customer service you deserve and the employees can barely speak XXXX. So I have to pull my last feed because they have not provided me with my replacement {$200.00} visa gift card so as of now XXXX still without my Money i lost over a year ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: The CMI Group, Inc.
State: GA

Complaint narrative:
I am not liable for the debt with so & so. They have not provided me with SSA Form 3288. I have not signed a contract with so & so, they did not provide the original contract as I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief