vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I currently have an overage in my escrow account in the amount of {$8800.00} & I have been making my request for a refund since XX/XX/XXXX & i called at the beginning of XXXX & i was told that an escrow analysis had to be done before the refund could be sent out & it still hasn't been complete & or started.. I have been lied to over, over again. everytime i call I only get excuse/no help nobody is on the same page.. I have called XX/XX/XXXX, beginning of XXXX, XX/XX/XXXX & XX/XX/XXXX still not help.. every time I call someone has a new story & never a solution.. I was told that if the overage is more than {$50.00}, I should get a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime
State: TX

Complaint narrative:
Ok so on XX/XX/XXXX, I purchased a XXXX XXXX XXXX. While I was walking around the car, I seen the boarder hanging off the clip I show the salesman he takes it to the back and come back saying it was fixed. I went home. I didn't really drive it the next few days. On Monday I work like 40 minutes from my home, and I noticed it was shaking and riding rough. I drove it again Wednesday and noticed the same thing. I called Drivetime and he said I am sending to a link select a shop you would like to complete the repairs and it will be covered under warranty because you have had it for less than 30 days. Well two shops later and a rental car they refused to pay for vehicle to get repaired saying neglect on my part. How??? Both repair shop say that whoever had the jeep before me ran over something big and showed me a sticker on the fender line show it was new. The warrant provider stated that they called Drivetime to see if they were going to help me out and was told no. The warrant provider also let me know that Drivetime replace the fender liner before I purchased it. So, this make me believe they know there was a problem with the wheels why else replace the fender liner? Be drivetime stated they can't speak with me on what was done to my car before I purchased it. SMH. I have tried to call a corporate office and just continue to get consumer relations department. So, I am stuck with repairs that I did not do!!! XXXX I have used Drivetime for years and even referred friends and family. Never no more Date of experience : XX/XX/XXXX Edit Reply from DriveTime Used Cars 7 hours ago We appreciate you reaching out. At the time of sale, we provide an XXXX AutoCheck History Report as a courtesy for each customer to maintain transparency. This report provides the history of the vehicles use, such as any prior accident records, rental or government use, registration flags, or involvement in a theft. Each customer also has the opportunity to inspect their desired vehicle both inside and out during their visit. Additionally, we offer a 5-day Vehicle Return Policy to every customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
My ex husband forged my name On a lease for an apartment complex to get a lease on apartment after we broke up and got divorced. I was living since XX/XX/2018 with XXXX XXXX ( now my husband ) at XXXX XXXX XXXX XXXX Fl XXXX. Can verify this XXXX. The credit bureau removed it once and then have added it back, and I keep disputing it, but they will not remove it. NATIONAL CREDIT SYSTEMS has no authority to post a collection. They never sued me or brought any civil action ( which I would have gladly defended myself and won in a courtroom ) so they can not just add a collection and RUIN my Credit just because they feel like it. They have NO judgement or Lien against me. PLEASE make them remove this. It is hurting me trying to buy a car, or buy a home. My signature appears NOWHERE because I signed nothing. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: NC

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: FL

Complaint narrative:
I was contacted by a debt collector about owing them money on an account that I did not pay. But I did not know anything about the account and that frightened me. I did some research and decided to look at my credit report for the first time. I am not someone that opens credit cards because I am not familiar with credit and how it is utilized. So I decided to not open credit cards until I understand what credit is and how I may utilize it. But after being contacted by the collection agency I went ahead ad did some research and viewed my credit report and I noticed accounts that I never opened were under my name. I contacted my local police department, and they informed me I would have to file an FTC report and a Police report. I also contacted the credit reporting agencies, and they informed me that I will have to file an FTC report submit that to them to resolve this issue. This experience is life threatening because someone has my person information and used it to open 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 2023-10-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was contacted by a debt collector about owing them money on an account that I did not pay. But I did not know anything about the account and that frightened me. I did some research and decided to look at my credit report for the first time. I am not someone that opens credit cards because I am not familiar with credit and how it is utilized. So I decided to not open credit cards until I understand what credit is and how I may utilize it. But after being contacted by the collection agency I went ahead ad did some research and viewed my credit report and I noticed accounts that I never opened were under my name. I contacted my local police department, and they informed me I would have to file an FTC report and a Police report. I also contacted the credit reporting agencies, and they informed me that I will have to file an FTC report submit that to them to resolve this issue. This experience is life threatening because someone has my person information and used it to open accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: FL

Complaint narrative:
I am not showing up in the Equifax system, someone else shows up under my social security number and I am in the process of closing on a house and can not do so until this is resolved. I sent the documents to their po box in XXXX XX/XX/2023 and again XX/XX/2023 with no resolve. Equifax told me they had 3-5 business days to process the information and still have done nothing. I can not get any sense of urgency or help regarding the situation and everytime I call I get a different representative and there is no information to reference in regards to the timeline. 

How can I get this resolved in a timely manner or through fax? There has to be another way to resolve this. I have read many reviews that they have taken months or years to resolve this issue. 

I have several credit cards, a car loan, file W2 taxes every year and have had several different jobs with big corporations. I have had no issue with getting my credit from XXXX and XXXX. Equifax is the only issue. Please resolve ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX, I received a XXXX XXXX alert indicating a new Hard Inquiry to my credit profile. I immediately logged into XXXX XXXX and saw a hard inquiry from JP Morgan Chase of which I did not fill out an application for credit. I immediately called the phone number associated to the inquiry and spoke to phone agent in Fraud Application reporting the issue. The agent was apologetic and reported she would close down the application and send me an Identity Packet in the mail. To date, nothing received. Instead, 2 new credit applications submitted to JP Morgan in attempts to open credit and JP Morgan pulling my credit report. If a consumer calls once reporting fraud, why would JP Morgan allow further applications so close to the recent fraud date?! This appears irresponsible as a creditor and commitment to prevent fraud scammers.

Please help me as now 3 Credit Applications are submitted and JP Morgan is not doing anything to prevent this from continuing. I already reached out to XXXX who gave me the run around for over an hour. Why is it so easy for a fraudster to commit fraud and a nightmare for the victim to get help. This is why I am reaching out to you. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
Axcess financial continues to falsely report a debt that isnt mine. Dont know who this company is or what they do. However they are inaccurately reporting false account information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have inaccurate information on my credit file, that I been fighting to get off my report. I can't seem to get any help from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: TX

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
ConsumerNumber:XXXX CaseNumber:XXXX Lexisnexis is reporting incorrect personal information on my consumer disclosure they are reporting. 

I have carefully reviewed the information on my consumer disclosure, and I have identified discrepancies in the accuracy of this data. The discrepancies are as follows : 1. Name : - My only name is XXXX XXXX XXXX XXXX. There should be no variations or additional names associated with my record. 

2. Address : - My sole address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Any other addresses listed are inaccurate and should be corrected. 

3. Phone Number : - My only phone number is XXXX. Any other phone numbers associated with my record are incorrect and should be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have inaccurate information on my credit file, that I been fighting to get off my report. I can't seem to get any help from the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have inaccurate information on my credit file, that I been fighting to get off my report. I can't seem to get any help from the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX and XXXX, 2023 at the Chase bank located at XXXX XXXX XXXX in XXXX XXXX I attempted to access my father, safe deposit box after his death to perform a Will search. I presented XXXX XXXX my father 's death certificate, the safe deposit box lease agreement, my driver 's license and the box key. The lease agreement designates me as the designee to access the safe deposit box upon his death. I was told by XXXX XXXX and her manager, by phone, this document was not valid, even though they were in possession of the original form. XXXX XXXX gave me a small estate declaration form and stated that the only way to access the box was with the form completed and notarized. It's my belief that the bank has broken California law, Probate Code Section 331, not allowing me to perform a Will search or access the box in any way to make copies of my father wishes given reasonable proof of identity.

Company response to consumer: Closed with explanation