vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage servicer is XXXX XXXX. The previous servicer was Mr. Cooper, which is still the point of contact for the servicing of my mortgage. I set up auto-pay with XXXX XXXX to send my mortgage payments to XXXX. The payment due on XX/XX/year>2024 went through but the payment due on XX/XX/year>2024 didn't. Mr. Cooper claimed in XX/XX/year> that it did receive my mortgage payment that should have been delivered by XX/XX/year>2024. To avoid late payment, on XX/XX/year>2024, I authorized a mortgage payment on Mr. Cooper 's website, requesting XXXX XXXX  to pay the mortgage amount and placed a Stop Order on the mortgage payment that was supposed to be delivered by XXXX2024. I also cancelled the monthly auto-pay to Mr Cooper on XXXX XXXX XXXX website. However, the monthly auto-pay I cancelled on XXXX XXXX XXXX website shows a payment activity but the payment was cancelled at the same time on XX/XX/year>2024. On XXXX XXXX XXXX record, it indicates there was a mortgage payment, a reversal payment of that amount and an Insufficient Funds fee for {$15.00} on XXXX/XXXX/XXXX. There should not be a charge of {$15.00} for Insufficient fund because 1 ) i cancelled such auto payment to begin with and 2 ) I actually had sufficient funds in the account as I left enough money purposefully in the account for the next mortgage payment. XXXX XXXX  erroneously charged me a fee of {$15.00} for Insufficient fund, which was not justified. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Re : Account Number : XXXX XXXXAmount of Debt : XXXX XXXXDate of Debt : XX/XX/XXXX Dear XXXX XXXX XXXX, I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA.

Please provide : 1. The name and address of the original creditor.

2. A detailed statement of how the amount was calculated.

3. Any agreements or contracts I allegedly signed.

4. Proof of your authority to collect debts in my state. 
Sincerely, 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 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: HI

Complaint narrative:
I first opened my account with SoFi Bank online on XX/XX/year>. I made a deposit on XX/XX/year> for {$3000.00} to cover my mortgage payment. On XX/XX/year> SoFi bank placed a restriction on my account due to that deposit. I called their security department several time and they finally explained that they needed more information regarding the deposit on XX/XX/year>. The agent said they can not receive " 3rd party funds '' and that is why that deposit was creating a restriction on the account. I explained that I am self employed and that is my company. This is how I pay myself is a ACH payment into my back account. They said they would review it and I would hear back but did not give me a time frame. I explained that money is for my mortgage and my mortgage payment would be late if they do not release it. They released my account on XXXXXXXX XXXX and I was able to resume my banking. I made XXXX more ACH deposits from the same account between XX/XX/XXXX and XX/XX/year>. On XX/XX/year> I made another ACH deposit for {$210.00} and the next day they restricted my account again and after seven calls they told me it was restricted for the exact same issue from XX/XX/XXXX. They said they would escalate my issue but would not give me a time frame that my account would be released. I called several more times with the exact same response. I am unable to withdraw, deposit or transfer my money from this account. I called a representative again today and she said she will escalate the situation. I explained I had called over a dozen times and was given the same response. I said at this point you have money, restricted my account while you continue a review and you are not giving me any time frames or releasing any of my money so I want to close my account. The agent told me I would not be able to close my account until the review is complete. I said I want to speak to your supervisor because this is going on two weeks you have held my money. The agent said " my supervisor will probably tell you the same thing ''. I said " I don't care what you THINK your supervisor will say, I would like to speak to him or her. The agent placed me on hold and came back to me several times saying she is trying to find a supervisor I can speak with. She finally came back on the line and said " her supervisor was a lunch and would call me back. '' This processes of holding peoples money without any resolutions and at anytime in not a fair business practice. I was unable to use my money to buy food or pay a bill and there is still no resolution and no return call from the supervisor at lunch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several erroneous errors reporting late on all three major credit reports for my XXXX XXXX account. XXXX, XXXX and Experian are reporting that I have paid late from XX/XX/year> to XXXX of XXXX. This information is false and I have supporting documents to show the payments that were made to the company that bought the XXXX  XXXX Account, XXXXXXXX XXXX XXXXXXXX! The XXXX credit bureaus are also not reporting that I have made a payment in XXXX of 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 explanation
Consumer complaint received 2024-10-19 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

These inaccuracies are keeping from getting things like loans and a newer car.

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 2024-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage was sold to a new loan servicer. At my previous servicer, I would make 1-2 payments throughout the month when I got paid, and then at the end of the month, submitted a final payment for whatever was remaining. Not only was this easier for my finances, but it allowed me to get a bit ahead on the interest accrual for that month by making some earlier payments.

Making partial payments in advance is " simply not allowed '' at XXXX / LoanCare. 
How is this legal? I am forced to barrow money to own a home, and when I would like to pay a portion of it back, I'm barred from doing so - just so the lender can maximize the interest they collect? 

I signed a contract with XXXX XXXX, whom allowed partial/early payments. I did not consent to be transferred to LoanCare ( I know this is common practice in the mortgage industry, but still ) however the new servicer DOES NOT offer all the same services that I desired when I entered into contract with Rocket.

How is this not deceptive to the consumer?

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 2024-10-19 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: LEXISNEXIS
State: NV

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 explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account has a late payment XX/XX/year> which is inaccurate as it does not show the account balance, payment date, and amount paid. The other payments that are correct do not reflect the amount paid month by month, this is inaccurate. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding delete late payment of the following account : XXXX XXXX Number 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 explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This company LVNV FUNDING is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint against Self Financial , Inc. ( Self ), regarding inaccurate information reported on my consumer report. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and potentially relevant state laws. Below are the specific issues : 1. Incorrect Account Opening Date Self Financial has inaccurately reported the opening date of my account as XX/XX/year>. This information is incorrect, and the actual account opening date is different. Under the Fair Credit Reporting Act ( FCRA ) 609 ( 15 U.S.C. 1681g ), I have the right to accurate information on my consumer report, and any incorrect dates or information should be promptly corrected.

2. Reporting of Late Payments Self Financial has reported that I made late payments on my account. This is inaccurate as I have consistently made timely payments. According to the FCRA 623 ( 15 U.S.C. 1681s-2 ), furnishers of information to credit reporting agencies are required to report accurate and complete information. The reporting of late payments that were never made is not only misleading but damages my credit standing. 

3. XXXX Payments on Account Despite High Balance Self Financial is reporting a high balance on my account but is simultaneously showing XXXX payments made. This is inconsistent and inaccurate. Under FCRA 623, furnishers must ensure that the information provided is correct, and reporting both a high balance and zero payments when payments were made does not comply with this requirement. This erroneous information could mislead creditors and negatively impact my creditworthiness. 

Violations of Federal and State Laws Under the FCRA, consumers have the right to dispute inaccurate information, and companies must investigate and correct any errors in a timely manner. Self Financial 's failure to accurately report my account details not only violates the FCRA but may also be in violation of state laws that protect consumers from unfair and deceptive trade practices. If applicable, I request the CFPB 's assistance in determining any state-specific consumer protection laws that might provide further recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: MD

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Vehicle balance is high and has been victimizing my personal life for years. Please adjust or remove from 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 explanation
Consumer complaint received 2024-10-19 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: GA

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 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 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.

These inaccuracies are keeping from getting things like loans and a newer car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 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 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.

These inaccuracies are keeping from getting things like loans and a newer car.

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 2024-10-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I filed a dispute with Regions on XX/XX/year>2024 about my card being stolen and funds taken out of my account by fraud charges. My account has been closed today XX/XX/scrub>/2024 with no update on my claim that I filed. I ask that this claim process be governed for constructive fraud being done by this major 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