vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 explanation
Consumer complaint received 2024-03-09 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I got a notice ( not the first time ) from AMEX that XXXX has lowered my credit rating again. I called customer support twice and went on the XXXX website multiple times to ask why but they wont say why. I am not late with any payments. In fact, I have no debt. Experian flat out wont answer why they have repeatedly lowered my credit rating. I have gone from over XXXX to low XXXX but no one will explain why. Are they discriminating because I am retired, turned XXXX, and have no debt? They wont tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
In XXXX XXXX XXXX NewRez/Shellpoint Mortgage changed there billing address and how they could receive payments which resulted in an inconvenience for me and delays in payment processing and they charged me late fees. 
I was paying electronically through my banks payment service and did not notice the change of billing address on the XXXX payment billing statement. The incorrect address caused my XX/XX/XXXX electronic payment to fail and be late and I was charged a late fee. I wrote a letter on XX/XX/XXXX and Shellpoint reversed that late fee for XXXX. In advance to the XX/XX/XXXX payment I updated the Shellpoint billing address in my banks payment system but the payment could no longer be sent electronically as it had been for all my previous payments prior to the address change so my bank mailed the XX/XX/XXXX payment as a check on XX/XX/XXXX ( Proof attached ). Shellpoint said the payment was not received until XX/XX/XXXX and they added a {$81.00} late fee to my account. Then again in XXXX my payment was mailed on XX/XX/XXXX ( Proof attached ) and they said my payment was not received until XX/XX/XXXX and another {$81.00} late fee was added to my account. I called Shellpoint and asked why the payments could no longer be sent electronically and why it was taking so long for my check payments to be processed and they told me company changes had caused an ongoing backlog of their XXXX  payment processing and that I would need to write a letter to have my late fees reversed. I moved up my future payment dates to allow for these delays and I wrote a second letter with supporting evidence on XX/XX/XXXX but they would not remove the XXXX and XXXX late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: WA

Complaint narrative:
On XX/XX/XXXX, I received an email from Mohela stating that my student loans were more than XXXX days past due which is not true. As previously stated Moehla received XXXX payments from me in XX/XX/XXXX for XX/XX/XXXX bill, XX/XX/XXXX for XX/XX/XXXX bill and XX/XX/XXXX for XX/XX/XXXX bill which I later found out that the administrative hold was placed on all accounts and no payments were due until XX/XX/XXXX. As a result, I asked for the money to be refunded which did not take place. Please see screenshots of payments as proof. For the months of XXXX and XXXX, I received statements from Moehla stating that no payment was due. On XX/XX/XXXX, I received a notice from Mohela stating that my payment was due on XX/XX/XXXX, so I paid it on XX/XX/XXXX to ensure its timely arrival. I later found out that Moehla, applied the XX/XX/XXXX payment to the month of XXXX and there wasn't a payment due in XX/XX/XXXX. I called Moehla several times and requested that they correct my bill and the supervisor stated that she would. She also stated that she would use my previous payments to pay my bill forward to XX/XX/XXXX but that has yet to happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-09 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: PA

Complaint narrative:
Equifax has violated my rights as a consumer when Equifax 's decided to reinsert an account that was deleted off of my consumer report that being a XXXX XXXX XXXX ACCT. NO XXXX Equifax failed to notify me within the time frame that is required by law.

FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. In light of my consumer rights being violated I request that if Equifax can not provide me with a reinsertion letter stating that this item is being reinserted ( as well as the other notification that are required by law ) in addition to a certified return receipt within the time frame allotted by law then I demand that this item be deleted immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account.

The following inquiries were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Company is charging interest when my XXXX  agreement does not allow this on this debt. Company refused to respond to any disputes I put it besides send me a XXXX  agreement which only proved them in the wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I let credit acceptance repossess my vehicle for the settlement with no more payments and they are still sending me bills saying I need to pay the ending balance

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 2024-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Chime Inc.
State: TX

Complaint narrative:
I used Sendwave app to transfer XXXX USD to XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  account " XXXX '' in XXXX on XX/XX/2024, XXXX XXXX  EST from my XXXX  XXXX debit card. The app showed status that the funds were delivered to his account on same date. 

The recipient till date is yet to see the funds in his account. I complained about this issue to Sendwave customer support. I was asked to provide the recipient 's bank statement for the period. I provided the required statement, and allowed XXXX business days for Sendwave to resolve the issue.

On Friday, I contacted them via email to get an update, and the response was to show the same receipt I got when transaction was originally initiated. I asked recipient to check if funds eventually reflect in their bank, but no funds were received, and Sendwave is not showing any sign of resolving the issue. 

I am requesting a full refund of XXXX USD as soon as possible. Please use your good office to help me get this issue resolved. 

Thanks. 

Here is the company info : Sendwave | http : //sendwave.com XXXX XXXX XXXX XXXX dba Sendwave dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Sendwave Support : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Collection agency has not provided validation information under Section 1006.34 ( b ) ( 5 ) but yet they had placed a collection on my Comsumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank changed my account to inactive status. Then I called the helpline and they gave me instructions on how to re-activate my account, which I then sent the letter on XX/XX/year> ( per their instructions ). I have not heard back and according to the helpline today ( XX/XX/year> ) they have not received the letter. They will not activate my account without the letter, which they claim they did not receive. When I call, they put me on hold for extended periods without returning and drop my call once I get connected to the supervisor. I simply want my account re-activated so I can close 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 explanation
Consumer complaint received 2024-03-09 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:
I write to dispute the inaccurate credit reporting regarding incorrect furnisher account information from XXXX XXXX XXXX specifically the account titled XXXX XXXX XXXXXXXX, Account # XXXX. 

I have disputed this account directly with the bureaus in the past with no success.

This is not my account but my fathers account. My father and I have the same name first and last name. I have a different middle name than my father as well as a different social security numbers and DOB 's. I did not open this account nor incur the charges and negative remarks associated with this account. Please remove this account and any derogatory information associated with it from my credit report.

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 2024-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I was late on XXXX diff payments since XXXX always under XXXX the date payment is due is on the XXXX of the month so I have to try and remember that. I always made the payment and late charge after notification, The store card had a XXXX credit line with my balance of XXXX, They dropped my credit line to XXXX. I have had and used this card for XXXX  years.I find this extremely harsh and unjust. When I called about it they then told me they were going to mail me the explantion for this.

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 2024-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I write to dispute the inaccurate credit reporting regarding incorrect furnisher account information from Bank of America, specifically the account titled BK OF AMER, Account # XXXX. 

I have disputed this account directly with the bureaus in the past with no success.

This is not my account but my fathers account. My father and I have the same name first and last name. I have a different middle name than my father as well as a different social security numbers and DOB 's. I did not open this account nor incur the charges and negative remarks associated with this account. Please remove this account and any derogatory information associated with it from my credit report.

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 2024-03-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I have been trying to use my XXXX Amex gift card at XXXX off and on all day, XXXX, XX/XX/year>. The card is supposedly worth {$50.00}, but XXXX keeps charging it XXXX every time it declines it and I have not been able to use it. This XXXX  card is useless. It was given to me for XXXX and Amex is essentially keeping my money since I am unable to spend it anywhere. I also tried at XXXX and it was declined. All I want is a refund of the {$50.00} XXXX card sent to me. I have XXXX different regular Amex XXXX cards and have always been a satisfied customer, but this situation is definitely giving me pause.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

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 2024-03-11 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:
I looked at my credit report on XX/XX/2024. On XX/XX/2024, I sent a letter of intent and an affidavit of truth to all XXXX credit reporting agencies. I stated I would like to make changes to inaccurate information on my credit report. I called each of the XXXX agencies on the phone XX/XX/2024, to update my information on the credit report. I mailed another letter to all XXXX credit reporting agencies on XX/XX/2024, telling them again about the inaccuracies on the report. This was sent via certified mail to verify that the notarized letter reached the credit reporting agencies. It has now been 30 days since my original request ( XX/XX/2024 ) and I have not had any contact from these agencies nor have I witnessed any updates to my account. Because of this, on XX/XX/2024, I mailed a demand and compliance letter to the credit reporting agencies and am now here submitting a complaint against them with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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. 
Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.

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 explanation