vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Lenders Investment Trading Corp
State: CT

Complaint narrative:
I closed on my property in Florida on XX/XX/2024. I received information from RP Funding that I would receive an escrow refund of XXXX. My wife and I had already moved to Connecticut and contacted RP Funding to change our mailing address. They had me fill out a form which I received and sent back on XX/XX/2024. I was told that my wife and I needed to sign this change of address so I did so and sent it back on XX/XX/2024. 

The web site for RP Funding indicated this check was produced on XX/XX/2024 and was being sent to the mailing address on file. Called mid XXXX to ask about the refund and was told that the check was cut and sent but could take up to 30 days to arrive. If not received in that time, we could request a refund. 

The check was not received as of XX/XX/2024 so I chatted in and was told that they would request the reissue even though it was a couple of days early. It was recommended I contact back on XX/XX/2024 to verify it was processed. 

I contacted again on XX/XX/2024 and was told the request had been submitted and it could take upwards of 30 to 60 days to receive the check. If I did not receive it by XX/XX/XXXX, I could request a reissue. I find this to be excessive and unacceptable on their part. They continue to give mixed messages back to me, such as 30 to 60 days to process and send the XXXX check, and I am also told that the check was produced and mailed. It is impossible to get the entire story. 

RP Funding refuses to give me satisfaction in this. They refuse to process this as an ACH refund and insist it be a check. I have yet to receive the XXXX check. In the meantime, I did receive a smaller check from them timely and have continued to receive multiple letters from them, all sent to my current address. If all this other correspondence is arriving in a timely fashion, why isn't this refund check coming in a similar timely fashion?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: MS

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-07-27 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: MS

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Fees charged after my Wells Fargo loan was bought out. 
Fees charged in checking account monthly imo wasnt my fault for years until I noticed it. 
Checking account after Wells Fargo sold my loan to someone else happened. 
Years of checking account new fees that all was free before loan was with wellsfargo. 
I didnt authorize sale of my loan Morgage. 

Yes I asked for new checking acct fees to be reversed

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 2024-07-27 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: NJ

Complaint narrative:
I am writing to dispute inaccurate information on my credit report, as provided under my rights by the Fair Credit Reporting Act ( FCRA ) Subsection 605b and 15 USC 1681c-2. Recently, I reviewed my credit report and identified items that I believe to be inaccurate or the result of fraudulent activity. In accordance with FCRA Subsection 605b, I request that these items be blocked from my credit report. As specified, the consumer reporting agency is required to block the reporting of information identified as a result of identity theft within four business days of receiving proof of the identity theft. Please investigate this matter and correct or delete the disputed item ( s ) as soon as possible, and provide a written confirmation that these items have been blocked from my credit report. Additionally, I request a copy of my updated credit report reflecting these changes. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: NJ

Complaint narrative:
I am writing to dispute inaccurate information on my credit report, as provided under my rights by the Fair Credit Reporting Act ( FCRA ) Subsection 605b and 15 USC 1681c-2. Recently, I reviewed my credit report and identified items that I believe to be inaccurate or the result of fraudulent activity. In accordance with FCRA Subsection 605b, I request that these items be blocked from my credit report. As specified, the consumer reporting agency is required to block the reporting of information identified as a result of identity theft within four business days of receiving proof of the identity theft. Please investigate this matter and correct or delete the disputed item ( s ) as soon as possible, and provide a written confirmation that these items have been blocked from my credit report. Additionally, I request a copy of my updated credit report reflecting these changes. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
HUNTINGTON BANK SHUT OFF MY ONLINE BANKING. I TRIED TO CALL THE BANK AND THEY WOULD NOT LET ME UNLOCK BANKING. I WAS UNABLE TO GET THE ACCOUNTS UNLOCKED EVEN WITH ACCOUNTS IN GOOD STANDING, AND I CAN ANSWER SECURITY QUESTIONS. THEY COULD ALSO NOT TELL ME WHY IT WAS SHUT OFF TO BEGIN WITH

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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 DID NOT AUTHORIZE THESE INQUIRIES PLEASE REMOVE THE FOLLOWING CAPTIAL 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 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 non-monetary relief
Consumer complaint received 2024-07-27 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: PA

Complaint narrative:
I like to file a complaint for an unidentified fraudulent item as a result of possible identity theft on my credit report for the following : XXXX XXXX XXXX I have attached a copy of my FTC ID theft report with this complaint. Please remove this fraudulent item from my creit report immediately.

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 2024-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc.
State: TN

Complaint narrative:
I recieved an email on XX/XX/XXXX from XXXX XXXX XXXX XXXX about a debt they said I owed. I requested more information and they uploaded the credit card statements to my portal. These statements and this account are for another person named XXXX XXXX who was living in Texas when they had this card. That is not my name nor have I lived outside of Tennessee. I reached out via phone and email multiple times to dispute this and then did a dispute on XXXX most recently and then are saying it is my debt but how can that be when it is for another name and address and they have not verified the social obviously bc it is not me. I have lease statements, drivers license, paystubs etc all showing I live in Tennessee and have for years and my name has never changed. I want this fixed as it's now showing as a collection on my account. they are not doing their job to accurately verify this data and it is affecting me and taking my time to repeatedly dispute their error. I am including the credit card statement they sent me, my last 3 lease agreements at the same address I've lived at for 6 years, my drivers license, and screenshot of the email I've sent to XXXX  about this that no one has responded to. I don't know how much more information I can send to prove I am not this other person and this is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I called several times asked for a purchase agreement nothing was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
MY INFORMATION WAS SOLD TO EASTERN ACCOUNT SYST DEBT COLLECTION. THIS COMPANY IS NOW REPORTING FALSE BALANCE OWED OF {$52.00} ON MY CREDIT REPORT DUE TO IDENTITY THEFT I HAVE ALREADY FILED A FTC REPORT REPORTING THIS INFORMATION, ALSO SENT NOTICE TO FURNISHERS OF INFORMATION TO EACH DEBT COLLECTOR, WHICH EXPLAINS RESPONSIBILITIES UNDER THE FAIR CREDIT REPORTING ACT REQUIRES DEBT COLLECTORS TO PROVIDE REQUESTED DOCUMENTS RELATED TO OPENING ACCOUNTS. DEBT COLLECTOR HAVE NOT PROVIDED THESE DOCUMENTS XXXX XXXX XXXX PLEASE REMOVED THESE ITEMS IMMEDIATELY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX A dispute letter was sent {$280.00} XXXX XXXX A dispute letter was sent {$280.00} XXXX XXXX A dispute letter was sent {$280.00} XXXX XXXX A dispute letter was sent {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Northstar Location Services, LLC
State: OK

Complaint narrative:
I was not aware of this purchase and debt until they turned it over to a collection agency, Northstar Location Services , LLC on XX/XX/XXXX. I equested a credit report and it shows the debt was aquired in XXXXXXXX XXXX XXXX and then writen off XXXXXXXX XXXX XXXX. If I owed them this money, why would they write it off after I requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit reporting agency has failed to update personal information such as correct name and correct address on my credit file. 

Other names and addresses on file are not mine and I am not associated with the other addresses

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX NY XXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear DEPT OF EDUCATION/XXXX  I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Account Number : XXXX * Original Creditor : DEPT OF EDUCATION * Amount : {$2000.00} & {$1200.00} * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, 1 have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt.

I kindly request the following actions : 1. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations.

2. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW 1. DEPT OF EDUCATIONXXXX {$1200.00} - ACCOUNT # - XXXX 2. DEPT OF EDUCATIONXXXX {$2000.00} ACCOUNT # - XXXX Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX NY XXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear DEPT OF EDUCATION/XXXX I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Account Number : XXXX XXXX Original Creditor : DEPT OF EDUCATION XXXX  Amount : {$2000.00} & {$1200.00} * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, 1 have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt. 
I kindly request the following actions : 1. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations.

2. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW 1. DEPT OF EDUCATION/XXXX- {$1200.00} - ACCOUNT # - XXXX 2. DEPT OF EDUCATIONXXXX {$2000.00} ACCOUNT # - XXXX Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong

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 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
MY INFORMATION WAS SOLD TO CREDENCE RESOURCE MANAGE DEBT COLLECTION. THIS COMPANY IS NOW REPORTING FALSE BALANCE OWED OF {$430.00} ON MY CREDIT REPORT DUE TO IDENTITY THEFT. I HAVE ALREADY FILED A FTC REPORT REPORTING THIS INFORMATION, ALSO SENT NOTICE TO FURNISHERS OF INFORMATION TO EACH DEBT COLLECTOR, WHICH EXPLAINS RESPONSIBILITIES UNDER THE FAIR CREDIT REPORTING ACT REQUIRES DEBT COLLECTORS TO PROVIDE REQUESTED DOCUMENTS RELATED TO OPENING ACCOUNTS. DEBT COLLECTOR HAVE NOT PROVIDED THESE DOCUMENTS XXXX XXXX XXXX PLEASE REMOVED THESE ITEMS IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit reporting agency has failed to update personal information such as correct name and correct address on my credit file. 

Other names and addresses on file are not mine and I am not associated with the other addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit reporting agency has failed to update personal information such as correct name and correct address on my credit file. 

Other names and addresses on file are not mine and I am not associated with the other addresses

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