vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I have XXXX trust in this mortgage company As I stated since inception with them I have been paying {$500.00} to {$600.00} a month extra on the Principal and adding additional XXXX. 

The are not showing me how that lowers the time in loan, less payment, ect,,? 

I expected more than enough XXXX  to cover and am shocked that there is a shortage? 

I have been arguing with them and they continue to keep hounding me to do a XXXX  as they indicate I have an XXXX  surplus? Makes no sense to me? 

I have repeatedly requested that they stop hounding me about an XXXX  surplus but they continue to send me correspondence via mail, email. phone and on there portal. 

I do not trust them. 

Regards, 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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Hyundai Capital of America, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware, this entire claim is regulated by an arbitration agreement, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date, there have been no arbitration proceedings. As a direct result of this, it is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file.

2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

4. Remove any and all late payments.

While I do not desire or anticipate that your negligence may force me to pursue further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes.

Thank you for your immediate attention to this matter. I look forward to resolving this issue promptly.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account 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 2024-12-23 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: MA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-12-23 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Back in XXXX, I noticed that there was an additional fee on my statement which turned out to be a " paper statement fee ''. I never agreed to pay this and the company is erroneously claiming that this was an increase in my minimum payment. statements, it is clear that this is an added fee. On or around XXXX XXXX, XXXX, I called and had the fees waived. The company is now charging late fees on the " paper statement fee '' that was waived. They removed XXXX of the late fees but refuse to remove any others. They have marked my account as delinquent and transferred it to their collections department. They are also charging interest on the late fees. I attempted to resolve this through their online chat ( I do not recall the date ) but had no success. When I called again today ( XX/XX/XXXX ) they tried to tell me that I had not made my minimum payment and that's why they will not remove the late fees. I have made every payment that I have been contractually obligated to pay and each payment was made BEFORE the due date. They are claiming that I did not make my minimum payment because I had not paid the " paper statement fee ''. They are trying to argue that the terms of my account changed but that is not correct ; they simply added a fee without my knowledge or consent.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 explanation
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2024-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Mohela incorrectly reported my repayment for the months of XX/XX/XXXX2024 and XX/XX/XXXX2024 as delinquent to Federal Student Aid. However, they told me I was in an administrative forbearance during this time, and no payment was showing due on my account. This is an issue as delinquent payments do not count towards Public Service Loan Forgiveness. 
I called Mohela today ( XX/XX/XXXX24 ), I waited on hold for nearly 3 hours to correct the issue with how my payments were reported, the supervisor briefly spoke to me, then hung up on me and did not call me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Re : Capital One Quicksilver XXXX XXXX After my 0 % interest introductory offer expired in XXXX, I spoke with a capital one agent who stated the only thing that would stop me from getting any more monthly interest fees is if I pay off my balance. I saw that my interest fees were added to my account on the XXXX XXXX XXXX XXXX on the last two months, so I made sure to pay off my entire XXXX balance before a new interest fee was added, and paid {$7400.00} on XX/XX/year>. After the balance was paid off I saw my balance online with Capital One as {$0.00}, and received email confirmation my payment posted. A week after I paid it off, I received a balance alert that a new interest fee was added for {$120.00}. I figured it was an error on their end, so I called and spoke with another agent who said it was because I didn't pay off my balance at the right time of their billing cycle so a new fee was added. He also said I will keep getting a monthly interest fee if the XXXX wasn't paid in full. I decided to close my account online to stop any additional fees while I work on disputing the charge and although Capital One 's automated system on my phone says that my account is closed, I received no email or online confirmation that my account is closed which has me nervous that they have kept it open so they can keep tacking on fees. Today I spoke with another agent and asked to do a complaint, and was transferred to her supervisor. The supervisor told me that I should have asked the agent for a payoff quote before I paid off my balance. I told her the agent never said anything about a " payoff '', only to pay the full balance. I also informed her I closed my account this morning, which she did not dispute. I asked her if she could waive this balance of XXXX because I wasn't instructed properly by their customer service and she said she couldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Business Factors
State: CA

Complaint narrative:
This company contacts me to collect on a debt and refuses to provide me with the proper documentation to verify the debt. I asked for all documentation in association with the account and was sent a 1 page statement from their firm and nothing from the original creditor. When I try to call them on their listed phone number it rings and rings and when they call me they use a blocked number. The last communication I had with them the collections agent refused to identify themselves until I said I was the person they were looking for, at which point she jumped right into collection efforts without disclosing her position as a debt collector as required by law. When explained that I had not received what I asked for and had no intention of claiming the debt as my own or making a payment on it until I did receive the requested documents I was told in a rude manner that they provided me all that they had and that if I didn't pay the account would remain on my credit report and continue to negatively affect it. I then reported the agency to the Nevada Financial Institutions Division for the breach of FCRA for their refusal to provide the requested documents, providing false statements that they did not have access to other supporting documents that I requested, and attempting to collect a debt without disclosing themselves as a debt collector. I have yet to hear from the agency and the account remains on my credit report. I can not get in contact with them as the phone still only rings and rings. It is my belief that after I reported them to the XXXX they are now ghosting em in an attempt to damage my credit and not allow me to work towards removing this account from my report since they are incapable or unwilling to provide proof that this account is in fact my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-23 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: NV

Complaint narrative:
My information was exposed in a security breach and all my information was exposed and accord 15 USC 1681 ( governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting ) With this security breach my information is no longer correct or accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NV

Complaint narrative:
My information was exposed in a security breach and all my information was exposed and accord 15 USC 1681 ( governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting ) With this security breach my information is no longer correct or accurate

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 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mankin Law Group
State: FL

Complaint narrative:
Mankin Law Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MANKIN REPRENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX filed the same intent to lien as now in XXXX. 
THREATENTING TO TAKE MY PROPERTY AND LIEN IT.

Mankin has a repeated agenda and narrative like XXXX XXXX XXXX  and XXXX XXXX, with myself to harass, makes false statements, abuses her attorney license status to instill fear and distress, be deceptive, lie, extort money not owed, misrepresent the nature of the debt, including the amount owed, sends a initial letter with specific months for condo association dues, then when i dispute that with fees and interest she comes back with a complete different month or months. She does not take out fees that can't be charged such as {$15.00} late fee letter and a {$50.00} attorney referral fee, she picks any month out the air to make it go to {$1000.00} so a lien can be enforced on my condo, tries to collect charges/fees in addition to the debt they are not allowed by the XXXX contract or law, bylaws, governing docs or fl statue.

REPEATED THREATS TO SEIZE AND LIEN MY HOME. Mankin charges her fees even though i dispute debt and debt is not correct, refuses to give line by line breakdown 's, and like in XXXX she will adjust on the back end charges that i don't owe rather then taking ff on the front end. IN XXXX AND NOW IN XXXX I HAVE GIVEN PROOF OF PAYMENTS AND LETTERS AND LEDGERS PROVING MY INNOCENCE.

Makin has done repeated threats to take my home and lien it, even though i don't owe the debt or portions. MANKIN DOES NOT GET WITH XXXX XXXX XXXX XXXX XXXX TO CLEAR THE SO CALLED DEBT, XXXX XXXX XXXX  DOES NOT HANDLE AND POST PAYMENTS, AND DOES NOT DO IT ONTIME. THEY ALSO WANT TO TAKE MY CONDO UNIT/ MANKIN NEEDS TO BE STOPPED PERIOD, SHE HAS HARRASSMENT ME TO THE POINT THAT I HAVE TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

SHE NEEDS TO BE DISBARRED IN FLORIDA FOR DECEPTIVE UNETHICAL PRACTICES.

ALL OF MY XXXX CONDO ASSOCATION DUES HAVE BEEN PAID TO XXXX XXXX XXXX. I DO NOT OWE FOR XXXX XXXX XXXX OR XX/XX/XXXX. 

MANKIN WAS SENT PROOF HERE IS DOCUMENTS FROM MANKIN AND MYSELF CLICK OR COPY AND PASTE XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-23 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: CA

Complaint narrative:
I recently revied my credit report and I was shocked to find out that I have been a victim of identity theft I found a account on my credit report that were not open by me. This was been hurting me as I am trying to by a family home. Please remove the fraudulent account from my credit report as soonest possible XXXX XXXX XXXX XXXXXX/XX/year>. I am also attaching my Driver licensed copy, Social Security, Utility bill and identity theft report.

THANK YOU SO MUCH.

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 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC.
State: MS

Complaint narrative:
I sold XXXX for XXXX they only deposited XXXX into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Kindly examine the fraudulent and suspicious items on 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