vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX, XXXX, XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Complaint Against TransUnion 's Noncompliance with Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for their willful noncompliance with the Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) regarding the blocking of adverse items in my credit report that are the result of XXXX  XXXX. I am a XXXX  XXXX XXXX  and have submitted all required documentation to TransUnion, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on two separate occasions, TransUnion has refused to block the items in my credit report that are directly linked to XXXX  XXXX. TransUnion has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a XXXX  of XXXX  XXXX. I urge the Consumer Financial Protection Bureau to investigate TransUnion 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel TransUnion to block the adverse items in my credit report that are the result of XXXX XXXX, in accordance with the Final Rule. I kindly request that this case not be closed until TransUnion has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXX, or 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 2024-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2024, I spoke with three individuals. Two of them worked in the survivorship department, while the other was a manager who initially claimed that there were no profiles of XXXX XXXX in their financial institution. However, after I provided XXXX with proof of insurance through USSA with XXXX XXXX 's name on it, the USSA coverage was canceled. XXXX 's story then changed when it was revealed that XXXX XXXX 's checking and savings accounts had been deleted, and it was stated that proof of death certificate and affidavit needed to be uploaded. The affidavit was uploaded on XX/XX/2024.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.

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 2024-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
WAKEFIELD & ASSOCIATES XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Date opened XX/XX/2022 Balance XXXX Account number 122306 15 USC 1692c ( c ) That law clearly states. " If a consumer notifies a debt collector that the consumer refuses to pay a debt the collector must cease all communication. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am in the process of trying to buy a home and when the mortgage broker pulled my credit and we seen that there are damages on my report and according to 15 U.S.C 1681 there should not be damages reporting on my report that is a defamation to my character. According to the ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission.

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 2024-04-09 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
I've been in communication with my Mortgage provider every other week for a few months now - I accidentally paid my property tax directly to my city in XXXX for year XXXX, even though I was including tax payments in my escrow payment to RoundPoint Mortgage. I called them on XX/XX/XXXX to notify them that the taxes had already been paid. It took several transfers before they asserted there was nothing they could do until an escrow analysis was performed. They indicated they would perform this analysis before sending the tax payment to my city ( XXXX ) in XXXX, and that I wouldn't need to contact them again as they'd distribute the excess escrow at that time. Instead, they sent the payment to my city ( XXXX ) without any analysis in XXXX. I notified them via email and call on XX/XX/XXXX that they'd previously indicated this wouldn't happen, and asked what my next steps were. They notified me prior to the end of XXXX I would need the city to return the payment and provide documentation the taxes had been paid. I got in touch with the city promptly, who not only confirmed they would send the money back to Roundpoint, but also provided me a printout of the only tax payments that had been applied in the past year, which included the payment I made in XX/XX/XXXX and no additional payments in XXXX ( i.e., they did not incorrectly apply Roundpoint 's duplicate payment ). I sent the documentation onward to Roundpoint and they indicated they would disburse the excess escrow back to me. I did not receive any payment. I've sent additional emails, and spoken with them on the phone about this on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time, someone promises me they are going to do the escrow analysis and send back the excess funds, and every single time the next time I talk to them zero progress has been made and they say they need to send my request for escrow analysis before they can send me the funds. I've pleaded with them to resolve this any number of ways, or to take any accountability for the fact that the only solution they've offerred has been unsuccessful 7 times already, but they refuse to take any other course of action.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXXXXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIANXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Tried calling customer service and was told by the manager XXXX that she was unable to connect me with management to discuss my fee issue. Was told that I could not speak to anyone at a higher level and that I would be charged a fee to get a check printed in the branch and that if I withdrew cash that I would be limited on my withdrawal. I was told if I closed my account and reopened a new account I would be given new checks at no cost. She refused to connect me to anyone in management that could look into my issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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.

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 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a Checking Account with Bank of America that the bank told me they were going to close. No reason was given for this account closure. I had been using this account without issue for close to 8 years, primarily for automatic bill payments and direct deposits. I was told my account would become restricted on XX/XX/XXXX. 

My billpay for a credit card, also with Bank of America, was charged to this checking account twice, ( first charge on XX/XX/XXXX for amount of {$310.00}, and second charge on XX/XX/XXXX for amount of {$310.00} ) with the second charge being a duplicate error charge. Both charges were for the same amount. This resulted in my account balance going negative, and resulted in that charge and subsequent charges to be issued overdraft fees. XXXX {$10.00} overdraft charges were charged on XX/XX/XXXX. 

I also am certain I had opted into overdraft protection on this account. However, due to interface changes in the app, I can not find evidence of this. 

When attempting to call Bank of America to resolve this issue, my account was already restricted, and they refused to offer more information on the timeline of events, and how it was possible for XXXX autopay charges to occur and result in overdrafting. 

Bank of america representative told me i would have to petition to temporarily unfreeze my account to gain this information. They refused to notify me if my petition was successful or not. I was instructed to call and ask about the outcome in XXXX business days. If the petition was unsuccessful, I was told I would have to petition again. I think this is a predatory practice to refuse to investigate a bank error without making the consumer jump through many hoops. 

Overall, the overdrafts were caused by a duplicate XXXX XXXX charge. Bank of America has since restricted my account and refuses to provide clarity on how this occured. I am not sure how to remedy this situation.

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 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a dispute covered under California Consumer law against Care Credit ( specifically under California XXXX XXXX XXXX XXXX, known as the Credit Card Rule ) In order to pursue my rights I need the address for service of process for XXXX executives in the Synchrony/Care Credit Business. I have attempted to serve them, but they have successfully avoided service which is in and of itself bad faith. I believe there is a concerted effort by Synchrony to prevent service until the statute of limitations runs out this is acting in bad faith.

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 2024-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NY

Complaint narrative:
I have already opened a complaint and they are sitting on a response. All they need to do is refund the monies owed for making me pay earlier than I was required. They have told multiple stories about what the status of my refund is. XXXX story was that they never processed the refund. The other story was that it was submitted to the treasury department and its out of their hands. I want to see proof that my refund has been issued if they allegedly submitted it to the treasury department. It should NOT take XXXX months to rectify this. Im owed over {$800.00} for payments I didnt have to make because they sent out a notice too soon. I held accountable for being late but they can take their sweet time? It is beyond unacceptable that theyre not held to any standard whatsoever. So Im filing another complaint because they are mishandling my current complaint and I have no recourse to find out the status other than to do this. I will not sit on the phone for XXXX plus hours waiting to talk to someone. Please! Just take care of this. Please reference complaint XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My wife, XXXX, and I have a joint XXXX account issued by Citibank , N.A . On XX/XX/XXXX, XXXX was preparing for a trip to XXXX where she planned to rent a car from XXXX. To verify that rental car insurance was provided in XXXX as a benefit of our credit card, I telephoned Citibank on that date. I provided our account number and was told we indeed had rental car insurance as a benefit. I asked her to confirm this, and that afternoon XXXX received an email from Citibank bearing the subject, " letter of coverage '' and attaching a " XXXX XXXX XXXX '' ( copy attached ). 

On XX/XX/XXXX, XXXX arrived in XXXX and rented a car from XXXX. In reliance on the representations from Citibank, XXXX declined the XXXX damage waiver, paid for the rental with our Citi XXXX, and fulfilled all the other requirements stated by Citibank in the Certificate it sent to us. The cost of renting the vehicle was XXXX Euros ( or {$380.00} ), with an additional charge of XXXX Euros ( {$5400.00} ) as a deposit to be used in the event of damage to the vehicle. 

On XX/XX/XXXX, XXXX walked to the XXXX XXXX XXXX XXXX XXXXXXXX to get the rental car and drive to the XXXX XXXX for her return to the XXXX. She found someone had smashed a small window at the rear of the right side of the car. There was no other damage. Because the damage waiver had been declined, XXXX sent XXXX an email attaching an XXXX Report XXXX ( copy attached ). It indicated that it would charge the security deposit she posted when she rented the vehicle for the cost of repairing the car, which was to be a maximum of XXXX Euros ( {$320.00} ), plus up to 15 % of that figure. 

On XX/XX/XXXX, after returning to the XXXX, XXXX and I called the number provided by Citibank on its coverage letter to make a claim. As it turned out, that number was to the Citibank cards benefit office. We were told rental car coverage had been dropped as a benefit of our card in XXXX. When we explained we had received a coverage letter from Citibank, we were told that did not matter and because there was actually no insurance coverage as a benefit of our card, Citibank , N.A . would do nothing to help us.

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 2024-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I just want time for pay my mortgage for make sure dont lose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I comprehend that under FCRA XXXX, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint against Robinhood regarding the recent closure of my account and the mishandling of funds associated with it. The circumstances surrounding the closure of my account have left me in a distressing situation with limited access to my funds. 

On XX/XX/2024, I received an email notification from Robinhood stating that my account was being closed due to disputes related to products I received. Specifically, I had encountered issues with two separate products : XXXX XXXX screen protector as well as a charger along with a laptop. 

Despite my attempts to address these issues through proper channels, Robinhood interpreted my actions as fraudulent and chose to close my account without warning. As a result, I am unable to access the funds held in my Robinhood account, which amounts to {$430.00}. 

According to the email notification received from Robinhood, all eligible funds will be returned to either the accounts that deposited the funds or a linked bank account. However, I do not have an external account linked to my Robinhood account, and there isnt an identifiable original sender for my funds. 

I want to emphasize that I have no intention of engaging in fraudulent activity. I am willing to cooperate fully with Robinhood to resolve any disputes regarding the products in question. I am also willing to return the products if necessary to facilitate a resolution. 

However, the sudden closure of my account without adequate communication or opportunity to address the issues is unjust and has caused significant inconvenience and financial hardship. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and intervene on my behalf to ensure a fair and timely resolution. Specifically, I seek assistance in facilitating the return of my funds held in my Robinhood account and addressing any concerns or disputes related to the closure of my account.

Company response to consumer: Closed with explanation