vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

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 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I was activated with the XXXX XXXX XXXX in XX/XX/XXXX for COVID-19 pandemic. When I completed my service, I needed to update my XXXX rating with the county tax board. While I awaited confirmation from the county, BOK Financial paid the taxes that were eventually exempted. BOK added the tax amount to my account and an escrow that increased my payments, even thought the county exempted my taxes. Since XX/XX/XXXX, BOK has added multiple fees and overcharges to my account totaling over {$13000.00}, issued multiple negative reports to my credit and have since issued a notice of foreclosure to my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: IL

Complaint narrative:
It is entirely unjust to discover late payments on my account, considering my consistent track record of timely payments. I insist on the swift correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account reflects my history of on-time payments accurately.

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 2024-02-02 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:
It is entirely unjust to discover late payments on my account, considering my consistent track record of timely payments. I insist on the swift correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account reflects my history of on-time payments accurately.

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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I received a normal monthly AmEx statement with balance {$330.00}. 
I decided to use my rewards balance of {$44.00} before paying the remaining balance from checking. 
Two days later I paid the balance, {$280.00}. This was about a week before the due date. 
Today I noticed that my current statement still had {$44.00} due. The rewards were applied to the newest charges. 

This is a dark pattern, when a business policy forces you to opt-in to an otherwise reasonable default, such as paying off what due first before paying off what's due a month from now. I'll have to call in. 

I called support and spoke to someone asking for the rewards to be applied to the oldest changes, they refused. 
Rewards are not their money, but they act like it is. They should not be able to decide how it's apportioned, regardless of what sneaky language they might sneak into a XXXX  agreement that no one ever reads. 
So I paid off the balance which is due in 2 days. What else could I do, give them more money in interest? 

I have decided to use my AmEx card much less due to this. To them, I am a " XXXX XXXX '' customer who always pays on time. They were always tops in customer service and fairness, but no longer. 
I hope you decide to take action against deceptive practices and penny-pinching money-grabs like this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have had the Chase XXXX XXXX XXXX card for 6 years now. Every year they send constant emails stating " Earn up to XXXX bonus points per year - that's XXXX bonus points per friend who gets a XXXX XXXX Credit Card from XXXX! ". 

In XXXX, I referred XXXX friends to the card so I earned XXXX XXXX points. 

On XX/XX/XXXX, I received a XXXX from Chase for {$800.00} of XXXX. I called them to ask what this income was, they said it was from the XXXX points I received. I said that it was never made clear that these " reward '' points were taxable AND the points to $ ratio is completely unfair and invalid. 

Chase claims that XXXX XXXX XXXX {$1.00}, they set this rate not XXXX XXXX Called Marriott XXXX confirm that ). Most XXXX hotels are around XXXX points a night with generally converts to around {$350.00} - that would be XXXX points per {$1.00}. Now this rate is completely flexible, as to redeem the XXXX points, it's based on Marriotts decision of points per night based on the price - there is no set {$1.00} per XXXX points. 

So, because I received XXXX points from Chase ( not XXXX ), I am paying roughly {$170.00} in taxes. So essentially in my eyes, the XXXX points are worth closer to {$450.00} to {$500.00} ( dividing the XXXX points by the more realistic point value of XXXX points per {$1.00} ). So in the case that XXXX used an honest and realistic point to $ value, the " income '' would have been under the {$600.00} threshold that forces companies to report to XXXX IRS and I wouldn't be paying {$170.00} of taxes on this. 

Also, even XXXX XXXX states that XXXX bonvoy points are worth about {$0.00} each when redeemed for a stay. This would make the value {$640.00}, not {$800.00} like Chase claims, which sure would still call for a XXXX BUT XXXX proves XXXX XXXX that Chases {$1.00} per XXXX points claim that they are filing to the IRS is XXXX. 

My other major complaint is this is all the fine print of their emails on refferals reads in regards to taxable income ... .NOWHERE does it state that after XXXX referral, you will pay taxes, despite that they constantly email to say " you can refer up to XXXX friends per year '' The value of this offer or program may result in miscellaneous income received from Chase and we may be required to send you, and file with the IRS XXXX a Form XXXX ( Miscellaneous XXXX ) or Form XXXX ( Foreign Persons XXXX. Source Income Subject to XXXX ) for the year in which you participate and are awarded the benefits of the offer/program. You are responsible for any tax liability related to participating in the offer/program. Please consult your own tax advisor if you have any questions about how this could affect your taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have never had PORTFOLIO RECOVERY ASSOCIATES as a creditor. Per my research PORTFOLIO RECOVERY ASSOCIATES is a debt collector falsely attempting to collect a debt that isn't there's. 
I have requested that PORTFOLIO RECOVERY ASSOCIATES provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature with PORTFOLIO RECOVERY ASSOCIATES In addition please provide the contract signed between PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX  ( XXXX ), XXXX. notarized and sworn under penalty and perjury for PORTFOLIO RECOVERY ASSOCIATES ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: MA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AA Recovery Solutions, Inc.
State: AZ

Complaint narrative:
In XXXX of XXXX XXXX with Account Recovery Solutions contacted me at work and got through the front desk. I work at XXXX XXXX attorneys office and these calls are not allowed to be solicited. On XX/XX/XXXX she attempted to contact me TWICE within seconds of each call and then contacted my work at the front desk to reach me, after I asked her not to and provided my cell phone was the best means of communication during our first communication. This is harassment and completely unacceptable. Account Recovery Solutions was notified by Progressive Debt Relief that I am working with a debt relief program and they sent over the power of attorney paperwork. XXXX has also continuously contacted me by phone and calls repeatedly back to back. This is harassment and illegal to contact the place of work when she had attempted to call me minutes prior. I am a full time employee and if I dont answer my phone or contact the company back within my working hours, it is harassment to continuously try within so many minutes. This is inappropriate and unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: NC

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 a 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: 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.

has violated my rights. Or a list of inquiries : 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 a 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 non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX I canceled the use of my card which I had for XXXX years. They charged an annual fee and I asked them to remove the charge. They did not and charged me {$39.00}, Then I wrote them a letter stating I had canceled the card. They sent me a blank piece of paper back and charged me again. They reported this to credit bureau. this lowered my score by XXXX points! I called at least three times and could not get through to anyone to help me. I then contacted the three credit bureaus to file a dispute on XX/XX/24

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-02 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: VA

Complaint narrative:
I was never contacted to check the accuracy of any information on the Experian site. Furthermore I sent a letter on XX/XX/XXXX to optout of all previous obligations! I ran my credit report and found all of these violations of my privacy on my report XXXX XXXX XXXX XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act. The list of accounts attached has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Experian has violated my rights. 15 U.S.Code 1681 Section 602 A.

States I have the right to privacy. 15 U.S.Code 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.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons 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.

Inaccurate information on length of account. Inaccurate information on payments of account. Per the Privacy act of 1975 " Charge off '' is a certificate of indebtness which is income and must be removed.

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 2024-02-02 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Arcon Credit Solutions LLC
State: NY

Complaint narrative:
On two occasions, most recently XXXX XXXX XXXX this company called any number they could find including a previous residence ( apartment building ) and the frequency of their tactics and number of people they have contacted amounts to nothing less than harassment. Additionally, they are contacting me regarding a debt that was paid off that I sent documentation of the previous debt collection agency that was assigned the debt, which makes matters worse. I need them to leave me alone this is taking a toll on my mental health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Today is XX/XX/2024 and Select Portfolio Service has not sent my monthly statement, Or my annual mortgage statement. There are thousands of complaints about Select Portfolio Servicing not mailing out customers mortgage statements. I have filled complaints numerous complaints about this issue. I have a paper trail of illegal, deceitful, fraudulent acts committed by Select Portfolio Servicing. They have copied and pasted my name to fraudulent documents and forged by name to fraudulent documents. Select Portfolio Service is a corrupt company. The law requires that I receive my monthly statements, each billing cycle on time. As well as, my annual mortgage statement. I have never had and issue with receiving my statements, or annual statements until I had to deal with Select Portfolio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I want to make a complaint When me and my Fianc we applied for the mortgage to be 4 %, not 6 % also I said I did not want the payment every month for a day 1 I contacted to change and it's not possible, also I contacted because the bank charge fee because the mortgage company did 2 charges in the same month in my account and I don't have enough money, The company is terrible and the customer service didn't help me and lie about the APR. If I refinance with another company, I need to pay fees. I will sue the company for all the damages I have. Account number XXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX FL, also almost my insurance was canceled because the mortgage did not make the payment here is the information. 

We are not able to refund or pay any fees that are not the fault of the mortgage servicers. You set up both payments. There is nothing we can do but wait for one or both payments to be rejected by your bank. You can try to have the bank reject them proactively, if you would like a reversal sooner.

Is there anything else I can advise on today?

here is nothing we can do on our end to reverse the payments while they are processing. I apologize for any inconvenience this may cause. 
XXXX - XXXX XXXX I dont have money You- XXXX XXXX  If the funds are not available they will be reversed in a few days, but if you would like the payments rejected sooner, you will need to to through your bank. 
XXXX - XXXX XXXX I need pay my bills XX/XX/XXXX Multiple Payments {$4200.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Multiple Payments - {$200000.00} Dear XXXX and XXXX, Your home insurance policy payment is past due and the policy is about to be canceled, can you please contact your mortgage ASAP so they can overnight payment? 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Direct Phone : XXXX Fax : XXXX License # XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: MD

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 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 a 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 non-monetary relief