vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On numerous occasions, I have expressed to TransUnion of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice of Each Violation.

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 2024-09-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I leased a new XXXX  XXXX XXXX XXXX through Chrysler Capital in XXXX. Since the lease was coming to an end, I began looking for a new car to lease. On XX/XX/XXXX, I traded the XXXX XXXX for a new XXXX XXXX since various XXXX dealers did not have inventory. The paperwork for the new lease including transferring power of attorney for the XXXX XXXX to XXXX XXXX. Apparently there was problems at the dealership ( during auto dealer hacking issue ) which delayed paperwork and payoff to XXXX. After XXXX contacted me in XXXX I explained that I traded the car in over a month ago. They said I was considered late on my lease so I called the dealer. After a few weeks, XXXX received the payoff check. I received a letter from XXXX explaining that it was not my fault and was instructed to send it to XXXX. I forwarded the letter and asked to have my credit updated to show it was not my fault. Chrysler Capital has not responded to several calls or acknowledged receipt of the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account name : JPMCB # XXXX Account name : XXXXXXXX XXXX # XXXX ( collection Agency ) I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

I am writing to formally request the removal of XXXX inaccurate accounts from my credit report, which have been detrimental to my financial standing. After conducting a thorough review, I believe these accounts may be the result of identity theft. I have attached a signed affidavit from the IRS confirming that my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
Whats up? Im writing about these debts youre chasing me for. I dont agree with them at all, and I think the amounts youre saying I owe are off. 
Dont bother with any proofIm not interested. I know whats up, and seeing proof isnt going to change that. 
If you need to get in touch, email me only between XXXX XXXX XXXX XXXX XXXX XXXX. Dont send any mail, whether its XXXX XXXX XXXX XXXX XXXX, or any courier, and skip the phone callsits just a hassle. 
Just clearing things up. 
Later,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a collection on my credit report, I have never done business with this company. I have never received mail from this company and they have not validated this debt. I disputed the debt and have not received anything is writing showing I own them money. 

XXXX XXXX : Collection agencies must validate the debt. Within XXXX days of the first contact, they must send you a letter detailing the amount owed, the name of the creditor, and how to dispute the debt. 
Dispute the Debt : If you dispute the debt in writing within XXXX days of receiving the validation notice, the collector must stop all collection activities until they provide verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A replacement debit card was requested without my consent and expedited to an address that was never associated with my account. The card was than used to make several withdrawals from my checking account at ATMs out of state. Approximately {$2000.00} was withdrawn from my account before I became aware at which point I canceled the card to prevent further issues. I submitted a claim to chase which they denied because they indicated they used my pin. I provided documentation to show I was nowhere near where the transactions occurred and my claim for unauthorized transactions was still denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I am really unhappy with my credit card from XXXX rewards XXXX. It is with FNBO, and it is connected to my XXXX casino rewards. 

I added up all my transactions and the balance is not equal to my calculations. The transactions seem to be repetitive. I found the same transaction charged already, and it says it is pending again. The balance keeps going up, I think they are raising it up on purpose. They are putting extra in the balance because it is not adding up to be the same total. 

I barley got the card in XXXX and started using it. There are not a lot of transactions. 
I put screenshots of the transactions, the ones that are repetitive are from this month XX/XX/XXXX. There are a couple repeating in the date area. You should add up my transactions. 

I already have another complaint on this company. Different issues.

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 2024-09-22 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: TrueAccord Corp.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX inaccurately on my experian report. It has not been updated since XX/XX/2024. The new balance is {$1400.00} as of XX/XX/2024. I ask that this be updated immediately. 

XXXX XXXX XXXX is listed inaccurately. The balance on this account was reduced and I only owe {$740.00} per our agreement. I can submit the letter that was forwarded to me. 

XXXX XXXX XXXX XXXX XXXX have reached out to ask this company what this is but have not received any type of validation or verification. I do not know what this is. It does not list the original creditor. It shows the status updated on XX/XX/2024 and last paument made on XX/XX/, 2024, however, I have not made a payment because I do not know what this is. It says it was transferred and closed. I ask that this be removed because it has been more than XXXX  days and I have not received any type of correspondence stating what this is. 

XXXX XXXXXXXX Is listed inaccurately. I have reached out to the number provided on my report and requested written validation and verification but have not received anything from this company. I ask that it be removed as no verification or validation was sent within XXXX days and additional time to verify/validate has not been requested from this company. Please remove immediately. 

XXXX XXXX is listed inaccurately. It shows the original limit at {$850.00} but they are listing that I owe {$2500.00}. I have asked for verification and validation of this debt including all statements, agreements, monthly bills and have not received anything. They just keep sending emails requesting payment but they have not sent any information as to what the debt is. I ask that this be removed because they are not complying by sending the requested information. 

I keep receiving emails from collection agency true accord regarding an account XXXX. I sent a certified letter to them requesting validation and verification of the debt. They first claimed that they did not have an account for me back in XXXX then they responded in XX/XX/XXXX that they are still looking into it. It has been about XXXX months since I have heard anything. If any of the accounts listed above are in their possession, they should be removed at once because verification and validation have not been completed. I ask that they also stop all debt collection as they have not been able to verify any of the debts therefore anything pertaining to them should be removed and if it is not listed on my cvredit, they should not be able to list anything on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX inaccurately on my experian report. It has not been updated since XX/XX/year>. The new balance is {$1400.00} as of XX/XX/year>. I ask that this be updated immediately. 

XXXX XXXX XXXX is listed inaccurately. The balance on this account was reduced and I only owe {$740.00} per our agreement. I can submit the letter that was forwarded to me. 

XXXX XXXX XXXX XXXX XXXX have reached out to ask this company what this is but have not received any type of validation or verification. I do not know what this is. It does not list the original creditor. It shows the status updated on XX/XX/year> and last paument made on XX/XX/year>, however, I have not made a payment because I do not know what this is. It says it was transferred and closed. I ask that this be removed because it has been more than XXXX  days and I have not received any type of correspondence stating what this is. 

XXXX XXXXXXXX Is listed inaccurately. I have reached out to the number provided on my report and requested written validation and verification but have not received anything from this company. I ask that it be removed as no verification or validation was sent within XXXX days and additional time to verify/validate has not been requested from this company. Please remove immediately. 

XXXX XXXX is listed inaccurately. It shows the original limit at {$850.00} but they are listing that I owe {$2500.00}. I have asked for verification and validation of this debt including all statements, agreements, monthly bills and have not received anything. They just keep sending emails requesting payment but they have not sent any information as to what the debt is. I ask that this be removed because they are not complying by sending the requested information. 

I keep receiving emails from collection agency true accord regarding an account XXXX. I sent a certified letter to them requesting validation and verification of the debt. They first claimed that they did not have an account for me back in XXXX then they responded in XX/XX/XXXX that they are still looking into it. It has been about XXXX months since I have heard anything. If any of the accounts listed above are in their possession, they should be removed at once because verification and validation have not been completed. I ask that they also stop all debt collection as they have not been able to verify any of the debts therefore anything pertaining to them should be removed and if it is not listed on my cvredit, they should not be able to list anything on my credit.

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 2024-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I rented a vehicle from XXXX and returned it with the exact amount of fuel it had at the start of the rental. Despite this, XXXX charged me {$140.00} for fuel. After speaking with a manager at their XXXX, XXXX location, I was informed that this charge was an error based on photographic evidence showing the correct fuel level. I was assured that a refund would be processed to my XXXX XXXX account, which could take up to two weeks. After three weeks of waiting, I called again, and the manager stated that the credit could take up to five to six weeks. 

After waiting for more than six weeks and not receiving any refund, I submitted a dispute with XXXX XXXX on XX/XX/year>. The dispute was resolved in my favor on XX/XX/year>, and the erroneous fuel charge was credited back to my account. 

Despite this resolution, XXXX has now sent this account to collections through TSI, claiming I owe {$140.00} for toll charges. This charge is entirely incorrect. I have all necessary receipts proving that I paid all tolls via XXXX during my rental period. I have never received a bill, phone call, or email indicating any outstanding toll charges, and I would have received a notice if there were any past due charges. 

Actions Taken : XX/XX/year> : Submitted a dispute with XXXX XXXX regarding the fuel charge, which was resolved in my favor on XX/XX/year>. 
XXXX sent my account to collections afterward, alleging an unpaid toll amount of {$140.00}, which is false. I have documentation proving all tolls were paid and that no such balance existed. 

This appears to be an attempt by XXXX to charge me erroneously after failing to bill me correctly for the fuel charge. I request that the collection account be canceled immediately, as these actions are unjust and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have the Chase United Explorer card that said it provided 2 passes to the United Club every year, and notes the passes are good for a year. The card fee is {$95.00}. I specifically get the card for this purpose as the passes cost more than {$95.00}. I do not keep a balance on the card or need it for credit purposes, and I dont care about the miles earned on purchases as this is not my primary card. 
I saved the passes knowing I was taking one international trip on United and tried to use them today. We were denied access to the lounge- they said it was full but continued to let other people with memberships in. I called Chase to ask to have the passes extended ( they expire on XX/XX/XXXX ) as Im not travelling home until XX/XX/XXXX, and they said they couldnt and I should have used the passes earlier. The is a clear case of completely misleading advertising - the passes are actually worthless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
Yesterday, I received reports and credit score changes for XXXX  XXXX XXXX, also known as MOHELA, loans that were reported recently. 

When reviewing my XXXX, I see updated yesterday had the same information but only showing updated details to the account from happened about deferment becoming a fixed rate. 

XXXX was given the same information leading up to this as updates, but affected my credit scores even though Im currently on deferment. And in some of my credit reporting apps they are showing as 2 separate loans entirely. 

These were reported last on XX/XX/scrub>XXXX XXXX XXXX 

Balances : Ending in account number - XXXX  {$5400.00} Ending in account number - XXXX {$3700.00} Ending in account number - XXXX {$2300.00} These were reported last on XX/XX/scrub>XXXX XXXX XXXX 

Balances added to a new account : Ending in account number - XXXX {$3600.00} {$2300.00} {$5300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Dear XXXX & XXXX, I am writing in response to a notice reporting on my credit from your agency regarding an alleged debt. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide validation of the debt. Please provide the following information : 1. The name and contact information of the original creditor.

2. The total amount of the alleged debt, including an itemized breakdown of interest, fees, and any other charges.

3. Proof that I am legally obligated to pay this debt, including documentation that establishes your authority to collect on behalf of the original creditor.

4. Copies of any documents that bear my **wet signature**, showing that I agreed to the terms of the debt and am responsible for it.

5. The purchase agreement or assignment** that legally transfers ownership of this debt to XXXX XXXX XXXX XXXX proving your legal right to collect on this account. 

Please note that I am disputing this debt until proper validation is provided. If you can not provide this information, I request that you immediately cease all collection efforts and remove any negative information reported to credit reporting agencies in relation to this debt, as it would be considered unverified and inaccurate. 

Thank you for your prompt cooperation. I look forward to receiving the requested documentation within XXXX days of your receipt of this letter, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
I did a investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681 e ( b ) accuracy of report whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information dispute by consumer, an item of the information-is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from file of the consumer. Please remove the following items from my credit report, immediately : toyota motor credit : auto loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
This is a continuation of the last complaint number XXXX. 

XXXX XXXX transferred my loan to Shellpoint Mortgage Services effective XX/XX/year>, after admitting their error. Whereas, Shellpoint Mortgage Services has caused just as much confusion as I was experiencing with XXXX XXXX with my Tax Escrow account. 

Shellpoint Mortgage monthly statement included my tax escrow in the XXXX. payment and then change it to principal and interest only thereafter. It's been a real challenge to conform with Shellpoint Mortgage. Because my monthly statement is principal and interest only. So, I requested a refund of my tax escrow from Shellpoint Mortgage that I initially paid because Shellpoint Mortgage initiated the change of responsibility. Okay, I get it. 

I paid my XXXX. semi XXXX Property Taxes on XX/XX/year>, and has scheduled the second payment due in XX/XX/year>. Now, after complaining to Shellpoint Morgage about my reimbursement of my tax escrow being held by Shellpoint Mortgage, I receive a letter from Shellpoint Mortgage stating that my loan modification calls for the mortgage company collects and pays the property taxes. 

Attached is a paper trail of what I've been and still going through with the new mortgage company.

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