vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Flagstar holds a mortgage on our home. The property suffered damage as a result of a landslide, which our insurance carrier accepted our claim on. Our carrier made the payments to Flagstar, which were held in a restricted escrow account.

We are 99 % complete with the work yet Flagstar refuses to release the remaining monies, approximately {$23000.00}.

I have attached our latest correspondence that outlines the issue and explains why Flagstar should release the remaining escrow funds. 

Thank you, 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 explanation
Consumer complaint received 2024-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove 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 2024-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am the author of this complaint. I checked my consumer credit report and noticed some inaccurate, incomplete, and fraudulent accounts. These accounts and the reporting of these accounts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been negatively impacted because of these errors.

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 2024-01-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am the author of this complaint. I checked my consumer credit report and noticed some inaccurate, incomplete, and fraudulent accounts. These accounts and the reporting of these accounts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been negatively impacted because of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-01-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I was attending XXXX XXXX  from XX/XX/XXXX until XXXX of XXXX. My payments were messed up on XXXX end like so many other students causing me to no longer be enrolled until I could pay off a big balance out of pocket. That balance could not be paid at the time and I had other debt so I was not able to finish going to school. The school has since gone out of business and my credits were finally transferred years later after already being out of college for YEARS. I am now paying off student debt from an illegitimate college and would like some help getting this debt removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I have disputed through XXXX, XXXX, XXXX. It comes back accurate for this account through Midland Credit Management. Account # XXXX Amount {$2900.00}. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting Midland Credit Management to provide documentation and or contract with my signature on this debt and they have not responded. I will attach one of the letters I have sent with this complaint. They are reporting this debt as an OPEN account which is not accurate at all. Also the date of first delinquency is older than the date the account was open. This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was already negative in my account cause the bank allowed a big payment to go through. My best friend accidently sent {$30.00} to my account, two separate transactions through XXXX. First one was for {$20.00} on XXXX and {$10.00} on XXXX. I was told on XXXX that I had to wait till XXXX to call back in so they can reverse the transaction that was accidental and I told them it was mistake and he should of sent it through XXXX XXXX. Now today, XXXX I am being told they can't reverse the transactions and are keeping someone else 's money. XXXX is an app to allow people to send and receive money. BMO has NO right keeping someone else 's money that is not theirs. They're customer service department in the XXXX need to be trained better and not tell customers things can be done when they can't. I've been with them since XXXX. I have informed the rest of my family members to close their accounts out as well as their mortgages when the time is right for them. Please find attached on how this bank allowed transactions to go through and still charge me {$15.00} over draft when I was still negative.

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 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XXXX XXXX, I noticed a pending transaction on my CapitalOne credit card in the amount of {$120.00} from " XXXX XXXX ''. Because I was XXXX shopping a lot during this week, I was checking my credit card transactions often and I immediately knew {$120.00} from XXXX XXXX wasn't something I recognized. " XXXX XXXX '' is not even on XXXX, so it was fishy to me right away, so I called CapitalOne to report the fraud transaction asap. 

In short, CapitalOne got back to me a week later and still charged me {$120.00} from XXXX XXXX saying to me that the transaction was made " in person '' using the " chip '' so they did not deem it as fraud because the card wasn't lost. The fact that I had the credit card in my possession, but someone was able to charge my credit card as if it were me is what's most worrisome to me. Because that is what fraud is, right? I have reported this to identitytheft.gov, the credit bureau, and the local police. 

I'd be happy to provide anything CapitalOne or help Police or any government agencies requests in order to get to the bottom of this type of fraud where the credit card companies are even fooled, and the consumer ultimately suffers due to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: DISCOVER BANK
State: PA

Complaint narrative:
I received an email from XXXX XXXX the senior loan processor for Discover Home Loans on XX/XX/2024 stating that they are unable to proceed with the application and the application will result in a decline due to the requested documents not received. I have always submitted all documents requested in a timely manner especially the income documentation. There was an issue months ago when XXXX XXXX stated she was having issues contacting The Port Authority of NY & NJ, my employer. I explained to her that my employer uses XXXX to verify its employees. I gave her XXXX 's information : email : XXXX ; telephone number : XXXX option 4, and Fax : XXXX. I can only conclude that there is another reason as to why this loan was rejected considering I already supplied all requested documentation and also there was never a new request for additional information for this loan from anyone at Discover Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX Nothing happened

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 2024-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
this is my SECOND time disputing these accounts that does not belong to me and not sure what is the hold up on processing my dispute here are the accounts : XXXX XXXX  # XXXX I have a legal right to dispute anything on my credit report that does not belong to me I AM NOT A LAWYER AND THIS IS NOT A THIRD PARTY REP. I have request documentation from the following collections agencies and Please delete the above accounts they are not accurate and unverified XXXX FCRA 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 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: MA

Complaint narrative:
Selene Finance has blocked our ( My wife XXXX and myself ) attempts to pay our mortgage, since early XXXX XXXX, 16 times. I have 40 screen shots with time and stamps to prove it. They have also blocked subsequent attempts for us to pay out mortgage 12 times via their telephone pay system. I have time and date stamped screenshot of the telephone calls. For which you can not reach a human. Only a computer which hangs up at the very completion of the payment, of the call when you request to confirmation of the telephone payment. I can provide this lengthy list of documented proof when requested. They have mis-applied our mortgage at least 16 times and I have screenshots with time and date stamp from their web page to prove this. Now they have reported us to the credit bureau of being three payments behind when in fact we are way ahead of the mortgage required payment dates. Selene Finance owe us tens of thousands of dollars in their mis-applied mortgage failures. I can prove all of this with deductions from our bank account and screen shots with date and. time stamps from their web page of OUR account. I will attach a few of the many screenshot we have as proof. I have them all available for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I am writing this letter regarding payments that were marked as late by your company for the following accounts and dates : Account Number : XXXX, Late Payment Dates : 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 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 2024-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive reviewed my consumer reports and notice that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abilities with maximum accuracy. I have never been late on payments for the accounts that I have included in this screenshots inside this complaint in on this date of XXXX XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand that these payments be updated to paid as agreed on time as they should due to the fact I was never late. Thanks! Please see screenshots attached :

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 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
LETTER to Care Credit XXXX XXXX, XXXX. No response from company. 

In reviewing activity on my account, I see that every payment due date ( XXXX ) a late fee is assessed on my account. The late fee increased from {$30.00} in XXXX to {$41.00}. 

Rather than my balance decreasing as expected since I always paid more than the amount due, my balance has remained high due to late fees being assessed ON the due date ( XXXX ) rather than AFTER the due date to confirm a payment being late. 

Additionally, the late fee amount exceeds the maximum late fee allowed in Maryland. 

CareCredit is committing a rip off of consumers as evidenced by my payment history : XX/XX/XXXX late fee 7 days later payment of {$200.00} XX/XX/XXXX late fee 1 day later payment of {$200.00} XX/XX/XXXX late fee 3 days later payment of {$200.00} XXXX XXXX late fee 11 days later payment of {$200.00} XXXX XXXX late fee 7 days later payment of {$200.00}. 
XXXX XXXX late fee 2 days later payment of {$200.00} XXXX XXXX late fee 4 days later payment of {$200.00} I called CareCredit today regarding the XXXX late fee which was refunded by the auto system. I am requesting that CareCredit reviews these late fees charged in respect to state law AND reasonableness. How can a company charge a late fee before the due date has passed? Consequently, CareCredit has preemptively negated my effort to pay more than the amount due each month to reduce my balance as soon as possible! CareCredits policy of charging a late fee irrespective of whether a payment is late ( evidenced by assessing the fee ON the due date ) is FRAUD!! 

I look forward to a response from CareCredit.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX XXXX I was looking into buying a home and my broker asked me to run my credit to get my score. I went to Experian and paid {$24.00} to run my credit once and they provided it. I just noticed 10 months later than they have been billing me for an automatic premium subscription that I never knew about and did not authorize. They have billed me almost {$300.00} and when I asked them they said they would not refund me the money because it was in their terms and conditions. XXXX XXXX XXXX also will not consider this fraud and they refuse to refund me the money either as they don't consider it fraud because I requested the service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LJ Ross Associates
State: MD

Complaint narrative:
I need help. Someone used my personal information fraudulently to open this account. I didn't have knowledge of this account. Please help remove this fraudulent account off my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation