vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: VA

Complaint narrative:
Accounts in question : XXXX XXXX XXXXXXXX XXXXI I mailed dispute letters to Equifax, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are received per my credit report stating, " account disputed by consumer ''. They never sent documentation of their investigation proving how they determined the accounts to be accurate.

PER the FCRA section 623 & Regulations V a furnisher must not furnish inaccurate information to CRA, and that the furnisher ( credit bureaus ) must investigate a consumer 's dispute that the information is inaccurate or incomplete.

How is this being accomplished if documentation required by law is being honored. I requested.

1. An agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature, demonstrating my agreement to assume debt.

3. Valid copies of the debt agreement, clearly stating the exact amount of the alleged debt and any interest.

4. A complete and detailed payment history for this account, along with a comprehensive itemization of all additional charges being assessed. 

PLEASE DELETE THESE UNVERIFIED ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners
State: MI

Complaint narrative:
It's currently XX/XX/2023 and I received my first bill from the XXXX XXXX XXXX XXXX center last week for a visit back in XXXX of 2023. I call the number to pay the XXXX charge and the operator tells me that it's been sent to collections. With this being the first bill I had received in the mail and it already being sent to collections was ridiculous. I received the collections phone number, XXXX ( XXXX ) XXXX, and proceeded to call them numerous times and every time it would send me to their voicemail and I would leave one, with of course no reply. After multiple failed attempts, I finally was answered by the operator today who was extremely unprofessional and rude with her language and responses to me. She asked what bill I wanted to pay and I said it was a bill from XXXXXXXX XXXX XXXX XXXX. She said " Oh you're gon na have to call back in a month we don't have none of that in our system yet '', and I said " Are you serious? My credit score has dropped XXXX points and I've been calling trying to pay this and you're telling me I can't pay it? ", she responded " Excuse me??? Call back in a month '' and proceeded to hang up on me. I'm not sure what to do but this is beyond ridiculous, like for one it was sent there with only one bill being sent 8 whole months later and two I can't even pay it because this collections agency is extremely unprofessional at the very least. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
In an attempt to contact Aargon Collections about debt, the company has not sent me any information in regards to the unverified debt. I created 3 disputes with credit karma and XXXX. After send multiple letters I have not received any information back verifying that this is my debt. I requested a Copy of original contract, payment history, name and address of original creditor, proof of collections authorization, & purchase debt agreement.

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 2023-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: Self Financial Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NY

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-12-27 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Signed up for credit card with sign up bonus for airline points. I have not received the airline points even though I have reached and completed the terms and conditions for the sign up bonus. 
This is with the Chase Aeroplan Card : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX to compensate for XXXX, XXXX XXXX, XXXX data breach XXXX XXXXXXXX XXXX redacted Re-attempt registering Had to call customer service after my acct was deactivated Username variously used as : XXXX  XXXX Then directed to call a number XXXX but when called that required activation code, so then directed to XXXX then obtained the activation code : redacted Then entered above code and prompted for ssn, name, zip code, address, etc and after enteringx2 was unsuccessful with the following screen at end of yellow brick road : How many homeowners were impacted in the incident? 

Based on our investigation to date, roughly XXXX XXXX homeowners, representing former and current customers and co-borrowers, had personal information contained in the files that were affected by this incident. 

Never XXXX  letter for most recent incident or XXXX from XXXX How will I be notified if my data was impacted? 

You will receive a letter with details about any data of yours that was involved, along with resources you can use to protect your personal information, such as free TransUnion identity protection and credit monitoring services. In the meantime, if you have questions about this incident or identity protection services, call the XXXX XXXX XXXX XXXX Response Line, supported by TransUnion at XXXX. 

Why did it take so long to determine if my information was impacted? 

Investigations like this take time. We initiated response protocols immediately, which included a detailed review to determine exactly which data had been compromised. These reviews can be time consuming in order to ensure they are completely accurate and thorough. We appreciate your patience during this process. 

Have more questions? 
Call the XXXX XXXX XXXX XXXX Response Line, supported by TransUnion. Monday through Friday XXXX XXXX XXXX XXXX XXXX XXXX This is an example of a company that is not deserving of the responsibility for handling private personal and confidential information of consumers and then the actions they have taken AFTER the 2nd data breach in 2 years. I never even received notice of the data breach. My account was deactivated and there were time consuming hours spent navigating all the recovery methods and trying to get credit monitoring services -- -none of the systems which appear to facilitate this process actually work and all the myriad support lines are of no assistance. it appears they have no place in the real market place and have absolutely no respect for consumers

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 2023-12-27 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: FL

Complaint narrative:
On XX/XX/XXXX I received a solicitation from American Express to add an Authorized user to my existing Platinum account and upon spending {$2000.00} on the Authorized users account, I would receive XXXX bonus points. I followed the instructions and added my son. We subsequently made the required purchases on his card and waited for the bonus. On XXXX I reached out to American Express via chat and they noted the information, stating they would research it and inform of a resolution. I provided the the solicitation email information ( I still have the solicitation ) and was told it could take up to 90 days to resolve. I reached out in late XXXX and was told they were still researching it. Since it wasn't beyond the 90 days, I accepted this and decided to follow up post 90 days. On XX/XX/XXXX ( well beyond the 90 days ) I again chatted with AMEX to follow up on my request. I was told the information I provided from the email did not allow for the bonus. The rep advised they would reopen the request and that it would take an additional 10 - 14 days.

Amex was deceptive in with this solicitation as I followed all requirements outlined in the solicitation, which I still have. I'm extremely disappointed in this discriminatory bait and switch tactic that AMEX used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TX

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On XX/XX/2023 I sent a notice to Santander Consumer USA 's dispute address regarding information they are furnishing to my consumer reports that federally are not supposed to be there.

Santander consumer Usa is furnishing late payments and an account status as charged-off which is in direct violation of the Fair Credit Reporting Act. Specifically 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) which I included in my notice letter. Information solely as to transactions and experiences between the consumer and person making the report shall not be included in consumer reports. 

It is now XX/XX/2023 and I have not received any response from Santander Consumer USA or any change in my account status on ANY of my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: CA

Complaint narrative:
XXXX XXXX XXXX unlawfully shared my information to nonaffiliated third parties.

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 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One unlawfully shared my personal information with nonaffiliated third parties without giving me the chance to opt-out and without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
This issue began when the XXXX Department of Education transferred the service of our student loan from XXXX XXXX to Mohela on XX/XX/XXXX. We continued to make our standard monthly payments ( which included extra amount in order to pay the loan off early ) as we had been doing since the beginning of the loan. In XXXX of XXXX we received a letter stating that repayments of student loans were starting up again and currently there were no payments applied to our account. The payments we made for XXXX, XXXX, XXXX, and XXXX totaling {$2000.00} had been paid through the bill payment service associated with our bank and we had conformation numbers showing that the payments were received from XXXX Department of Education Mohela. The bill payment service opened an investigation to help us find out why our payments were accepted but not being credited to our account. After multiple phone calls to Mohela throughout the month of XXXX ( which totaled more than XXXX hours, we faxed and uploaded our bank statements and proof of our payments to our Mohela account as requested by Mohela XXXX they could investigate from their end why our payments were not being posted. We were told that the investigation would be complete within a month and that we would be notified through the Mohela 's website that our account had been updated and the payments would be applied. During the month of XXXX, we again contacted Mohela to get a status updates because there were no changes or notifications in our Mohela account. Mohela confirmed that our investigation was still active and was still in the XXXX XXXX but would be completed within the month. Mohela did put our account in forbearance status so that we would not owe our monthly payments while the investigation was active but that the interest on the account would still be accruing. On XXXX XXXX and after a month had past, we contacted Mohela again to request a status update however we were told that the investigation was not complete, and it would be approximately XXXX of XXXX before it was complete. As of the posting of the complaint our Mohela account is still in forbearance status yet still accruing the monthly interest and our payments still have not been credited to our account leaving our {$2000.00} missing and no answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have ongoing issues with the credit bureau XXXX XXXX XXXX XXXX. Its an ongoing issue that the online dispute portal with XXXX XXXX always have an error message and never allows me to do disputes through the online portal system. Im always having to pay for stamps and having to mail out my dispute, which takes even longer, and every time I called to get help with the situation, my concerns are overlooked and then they want me to the dispute process over the phone with somebody usually in another country that is very rude. I want to be able to look at my credit report and dispute each item on my own like everybody else is allowed to. I dont know why Im singled out and I dont know why I cant get this issue fixed, I put a ticket in to receive an email to say the ticket was closed but yet no resolution was provided to me in the email which is further upset me. XXXX XXXX has gotten very lazy with her dispute process and they never take my concern. Seriously I have over 30 inquiries on my credit report that are all fraudulent and I dispute those and they dont get disputed thats a violation of the credit reporting act because theyre supposed to follow a protocol to disputing each item. Also, there is a collection report on my credit bureau that isnt mine that needs to be disputed. The account was a fraudulent account and I disputed it with a credit bureau and the merchant and done a identity report and try to dispute it again with XXXX XXXX but then they wont dispute it again. I need all negative items that are listed on my credit report disputed I dont know how much clearer I can be on that dispute each item whether its the bankruptcy inquiries negative accounts, I need all that stuff investigated and remove my credit report I meant Im getting tired of constantly having riding and begging to get somebody to help me and nobody wants to

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 2023-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am trying to get a Heloc with XXXX XXXX XXXX, all income and taxes are good, the problem is with my current mortgage holder Shellpoint Mortgage ; they put my Pandemic forbearance from XXXX  as it a second mortgage ( $ XXXX ). All the banks know that you can not get a heloc with two mortgage.What could i do?.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TX

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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