vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I stated to a rep that the account dated XX/XX/XXXX for the amount of {$310.00} did not belong to me.The rep stated to I that he will have his supervisor remove these false information from my credit report.I checked my report XX/XX/XXXX and still see incorrect information being reported. As stated 15 U.S.C. 1681 any false information must be removed immediately

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/2022, several letters were mailed to Equifax regarding alleged accounts with XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and two unknown and unverifiable collection accounts. Accompanied with those letters were the complaints filed with the CFPB. Equifax responded to me and to the CFPB that the accounts were verified as accurate and reporting to the regulations of the FCRA. In XX/XX/2022, I spoke with XXXX and XXXX about fraudulent information being reported with accounts from XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. After verifying and DELETING the accounts, to be in compliance with the FCRA section 623 ( b ) ( 1 ) ( D ) XXXX and XXXX were both supposed to report their findings to Equifax. To ensure that all companies are reporting accurately, I fulfilled my due diligence by reaching out to Equifax myself to report the updated information. After speaking with multiple representatives, they informed me that the information regarding the mentioned accounts were reporting accurately and that they verified the information. I asked each representative who verified this fraudulent information and how they were able to verify something that two other companies verified as fraudulent and erroneous? I explained to Equifax that I am the original creditor and consumer, and by holding both titles, I can not attest to ownership of this erroneous and fraudulent information being reported. As of XX/XX/2022, there is a pending dispute over the accounts. In the process of this dispute, Equifax still continues to knowingly and willingly report fraudulent information. This fraudulent information being reported adversely affects my credit worthiness, my credibility, and my character. 

To attest to my statement being true, I have attached the most recent copies of the reports from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the fair credit reporting and XXXXt account has violated my rights. 

1 : Bankruptcy : XXXX 2 : Bankruptcy : XXXX 3 : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX 5 : XXXX XXXX XXXXXXXX : XXXX 6 : XXXX XXXX  XXXX XXXX XXXX 7 : XXXX XXXXce XXXX : XXXX 8 XXXX XXXX XXXX XXXX  : XXXX 9 : XXXX XXXX XXXX  : XXXX 10 : XXXX XXXX XXXX : XXXX 11 : US DEPT OF EDXXXX  : XXXX 12 : DPT EDXXXX  : XXXX 15 U.S.C. 1681 section 602A.States I have the right to privacy 15 U.S.C. 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions

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 2022-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I had a HELOC managed by Ally Bank on my former home. I sold that house on XX/XX/2021. My title company got payoff information from Ally and the account was paid in full on the day of closing. Of course, I cancelled my homeowner 's insurance on that date as well, since I no longer owned the property. Ally Bank immediately force-placed insurance on the property. I have spent about nine hours on the phone with their customer service department and corresponded by mail explaining that I no longer own the house. They concede that the mortgage account is paid in full but they are insisting that the HELOC is still open. They claim that I owe them the premiums for two years worth of homeowners ' insurance on a paid-off house that I no longer own. I have contacted the XXXX XXXX XXXX XXXX ( the insurer from whom Ally Bank says they have obtained a policy ) and they have not received any premium payments from Ally Bank. Ally Bank is sending dunning letters threatening to foreclose on the property ( good luck with that! )

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 2022-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
the alleged debt from Capital One was sold to a 3rd party " XXXX XXXX XXXXXXXX '' without my permission, and I have been contacted several times via email and text message by the 3rd party " debt collector ''. they are harrasing me and using abusive words such as " debt '' and " owe ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Dear CFPB, FOR THE RECORD, On XX/XX/XXXX I filed lawsuit in XXXX XXXX XXXX XXXX California Division Case # XXXX against XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) et. al. ( COPY ATTACHED ). 

I'm also Demanding for Cancellation and Rescission of Notice of Default and Notice of Trustee Sale XXXX # XXXX recorded on my property XXXX XXXX XXXX XXXX, CA XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX scheduled for XX/XX/XXXX. 

As of today, XXXX XXXX ( XXXX XXXX, XXXX ) has not cancelled the Trustee Sale despite the Active Federal Pending Lawsuit, Notice of Pendency of Action, and Plaintiffs Motion for Temporary Restraining Order. 


Under my private rights of action and administrative process I want to report that XXXX XXXX, has repeatedly ignored and has failed to respond to my Qualified Written Request ( QWR ) and Dispute of Debt and Validation of Debt Demand Letters over the years and one specific dated XX/XX/XXXX sent Certified Mail # XXXX ( COPY ATTACHED ). 

In addition, I never contracted with NewRez, LLC dba Shellpoint Mortgage Servicing, or XXXX XXXX XXXX XXXX  XXXX XXXX for XXXX, XXXX XXXX XXXX at any capacity and never had any business relationship verbal or written. 

The NewRez, LLC dba Shellpoint Mortgage Servicing Account # XXXX corresponding to my property at XXXX XXXX XXXX XXXX CA XXXX was created without my authorization and through identity theft of my personal and private information. 

Enclosed, you will find my Affidavit of Truth and Fact Notice of Special Appearance served to the above individuals and entities including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX ( COPY ATTACHED ). 

In addition, you will find Audit from XXXX XXXX and his Declaration under penalty of perjury that will confirm my above allegations ( COPY ATTACHED ). 

In Conclusion, XXXX XXXX and XXXX XXXX, XXXX, are hereby demanded to file in the XXXX XXXX XXXX XXXX 's Office a CANCELLATION OF NOTICE OF TRUSTEE 'S SALE ( Rescission ) for the fraudulent Trustee 's Sale # XXXX on the referenced Deed of Trust. XXXX XXXX, XXXX and XXXX, XXXX, & XXXX XXXX are also demanded to deliver to me a fully executed copy of the same document at the referenced property address. Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one auto finance XXXX XXXX XXXX XXXX XXXX, TX XXXX This company is reporting that this account was included in a bankruptcy. However, I opened this account on XX/XX/XXXX. I totaled this vehicle on XX/XX/XXXX and it was completely paid off and in good standing by insurance. 
They have reported the status date of this being XX/XX/XXXX when this vehicle was already paid off completely by insurance in XXXX. They're reporting fraud and inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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

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 2022-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: DriveTime
State: GA

Complaint narrative:
XXXX I have not run a report to buy a car. DT is just one of many I did not make. 

Other dispute statement personal information My alerts are with old number it doesn't allow me to edit and change my number. 

I.habe had my identity stolen so I need to lock my credit report almost always. 
Please delete DT credit inquiry and others trying to buy a car. In XXXX and XXXX Thank you XXXX XXXX Old number XXXX. To be deleted

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a bankruptcy that is being reported in my name. I am well aware that they did not receive any information from the court as the court states it does not release information but instead they get their report from XXXX. the information that XXXX in reporting and the information that LCI is reporting is not the same. I have provided information to show the court name and the case number does not match. 
I have tried many time to have Transunion remove this incorrect information but every time it comes back verified by LCI. 
I have also included there response and their refusal to remove it

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am a business owner that has a Chase Bank business credit card. I used points on my Chase XXXX XXXX to book business travel from XXXX to XXXX. Due to a business matter, I had to reschedule my flight by 2 weeks. Since I used points, to reschedule my flight I had to speak with a Representative at Chase Travel Rewards to have them do it ( they required this ). The rep charged me a fee ( higher flight cost ) and sent me a confirmation of the flight being booked. When I showed up at the airport in XXXX on XX/XX/XXXX I did not have a ticket for the flight. The CHase Travel Rewards Rep never finalized booking the flight. I had to be in XXXX for XXXX the next day so I bought a ticket to another flight and had to pay an extra {$1200.00}. I filed a complaint with Chase TRavel rewards and they admitted verbally and in writing that they were at fault. They agreed verbally and in writing that they would refund me {$1200.00} for their error. They have not. The branch can not help me... local market executive will not do anything, chase escalation dept will not do anything... all have said chase is 100 % at fault but they will not just refund me. Now my CC payment is due in 8 days ( XX/XX/XXXX ) and I will now need to actually pay the {$1200.00} with my own money. I need someone to help. My company name is XXXXXXXX XXXX XXXX XXXX Note that i have called several times and even went to the branch in XXXX PA to resolve. everyone at chase says its their fault and i even have an email admitting their faukt and stating that they would refund me... no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00}, and it was closed XX/XX/2017. However, they're stating that they now transferred this to a government agency. All of this information is incorrect and I do not owe a balance and they're continuing to report negative information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I got a {$370.00} for a card that I do not or have had with either Truist, Suntrust, nor BB & T. 
They say that I can not dispute the charge. I never authorized this payment and it is not the first time it happens. After I resolve this issue I will go to another bank.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX ACCOUNT NUMBER : XXXX Its been over 5 months and equifax and XXXX hasnt update my current balance and Im missing on time payments for this account for the last 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  ACCOUNT NUMBER : XXXX Its been over 5 months and XXXX and Transunion hasnt update my current balance and Im missing on time payments for this account for the last 5 months.

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 2022-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I GOT A LETTER FROM TRS RECOVERY SERVICE DATED XXXX XXXX TO COLLECT A DEBT OF {$1200.00}. SOME ONE WROTE A FALSE CHECK TO XXXX XXXX ON XX/XX/XXXX IN XXXX TX XXXX. THEN I GOT LETTER FROM IRS EMPLOYMENT RELATED IDENTITY THEFT NOTICE. NOTICE DATE : XXXX XXXX CALLED THE DEBT COLLECTION COMPANY TO TELL THEM ABOUT MY INDENITY THEFT. I RECEIVED ANOTHER LETTER FROM TRS RECOVERY SERVICES DATED XXXX XXXX IN THE LETTER THEY NEED SOME DOCUMENTS, I ALREADY SUBMITTED TO THEM INCLUDINDG POLICE REPORT, FTC IDENTITY THEFT REPORT AFFIDAVIT. IN YEAR XXXX I GOT ANOTHER LETTER DATED XX/XX/XXXX FROM XXXX XXXX XXXX XXXX XXXX  XXXX XXXX LETTER TO COLLECT THE SAME DEBT AMT {$1200.00}. I CALLED THEM ON XXXX NO LADY WHO ANSWERED THE PHONE.I GAVE MY A/C NO, SHE SAID I DO NOT HAVE ANY INFORMATION ABOUT THE CASE. NOW I RECEIVED ANOTHER LETTER FROM XXXX XXXX XXXX. DATED XXXX XXXX. TO COLLECT THE DEBT. THEY ARE CALLING ME EVERY DAY ON MY CELLPHONE. THIS IS NOT MY DEBT.

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 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I redeemed XXXX miles worth {$1800.00} as travel credit on XX/XX/2022 on my Capital One XXXX XXXX credit card. The miles were removed from my account but travel credit never posted. The transaction confirmation said the credit will post to my account in 2 to 3 business days. It has been 15 days and the credit has not posted to my account. I have called more than 5 times and each time I am asked to wait a few more days. In the latest call they asked me to wait 2 billing cycles. Clearly, Capital One is defrauding me, and possibly others in the same situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX, XXXX, and Transunion is reporting old addresses that do not belong to me. I have contacted and they will not remove. I am a victim of fraud and there has been multiple things opened on my credit that does not belong to me under many different address. These accounts connected to addresses/names that are not mine need deleted immediately. They have FTC reports showing my filings.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX, Equifax, and XXXX is reporting old addresses that do not belong to me. I have contacted and they will not remove. I am a victim of fraud and there has been multiple things opened on my credit that does not belong to me under many different address. These accounts connected to addresses/names that are not mine need deleted immediately. They have FTC reports showing my filings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit card or prepaid 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: NY

Complaint narrative:
I applied for a Chase XXXX XXXX and received XXXX free night certificates worth XXXX points to book at XXXX XXXX. The certificate has an expiration date, but it does provide clarity on what it means. In the marketing email, Chase states " Each Anniversary Free Night Award issued will have an expiration of 12months. ". 

For example : - Expires on XX/XX/22 - Does this mean I need to use the certificate by XX/XX/22? Or Does it mean I need to stay at the hotel by XX/XX/22? 
- There is no clear communication ( or easy way to find the definition ) for book by or stay by for the expiration date. 

I tried to book a free night for XXXX, but was unable too because the certificate expires on XX/XX/22 as the hotel stay was one month after the expiration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a Account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit account under an open end plan as late for and purpose.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX XXXX -15USC 1681 section 602A states I have a right to privacy -15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval

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