vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
Follow-Up Complaint Regarding Mortgage Servicer Errors and Request for Compensation Dear CFPB, I am writing to file an updated complaint regarding my mortgage servicer, Roundpoint Mortgage and to seek further action in resolving outstanding issues related to my mortgage account. This follows my previous complaint ( Case # XXXX ), which was marked as closed. 

While I appreciate the initial resolution on the escrow account, there are ongoing issues with my mortgage servicers handling of my account that have not been fully addressed, causing significant emotional distress and financial inconvenience. 

Issues : Lapse in Insurance Coverage : In XX/XX/year>, my mortgage servicer incorrectly notified me of a lapse in my wind insurance coverage, which led to force-placed insurance being added to my account. I did not receive the Exposure Notice or Force Placement Notice as mentioned in their communication, which caused stress and financial strain. Though I was eventually refunded, I was burdened with higher payments for several months and never properly notified about the insurance issue.

Property Tax Payment Error : A year prior, my servicer mistakenly sent my property tax payments to the wrong parcel, resulting in a lien on my property. I live in XXXX XXXX, XXXX but they sent my property taxes to XXXX XXXX XXXX XXXX. This error almost led to the loss of my home while I was away on vacation. As a result of their error, they took out a substantial amount from my escrow and forced me to pay a premium of around {$1500.00} on top of my existing mortgage payment for several months to recover my escrow for the mistake that they made. This is when communication between them started deteriorating. I can provide call logs of me being on the phone with them for multiple hours per day while trying to resolve with no resolution. Not once have I ever received a call back from a supervisor when it was requested during every one of those 30+ phone calls.. I requested ledgers showing why or how this happened but I never received any documentation regarding this. 

While the issue was eventually corrected, the emotional and financial impact was substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My application for credit card was decined again. American Express didnt do a hard inquiry on my credit instead they use a soft inquiry dated XX/XX/XXXX and I had a lots of fraudulent accounts on my XXXX report. I contacted XXXX and provided them police report and FTC report and they removed those accounts last week of XX/XX/XXXX and my score went up to XXXX. Not XXXX that not my score. American Express havent giving me the opportunity to send a copy of my credit report and rejected the application again by the supervisor. And I need have my application reconsidered by another dept with my copy of my evidence XXXX Is the reference number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
The XXXX account that appears on my TransUnion credit report is a joint account. The account was already deleted for the other individual by XXXX and XXXX after filing a dispute. However, it is still being reported by TransUnion who previously refused to delete the SAME ACCOUNT from my credit report. TransUnion 's inaction is wrongfully causing ongoing harm to my credit standing as well as violating federal law and my rights as a consumer. I therefore request that immediate corrective action is taken and for TransUnion to permanently delete XXXX 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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I signed up for a promotion via chase.com/mybonus, where Chase offered XXXX XXXX Rewards ( UR ) points after completing a Chase Travel hotel booking of at least {$400.00}. I met all the terms of the promotion, but instead of receiving XXXX XXXX points, Chase credited me {$100.00} in cash backwhich was not part of the promotional terms. 

I have screenshots of the original promotion, clearly showing that the reward should have been in XXXX points, not cash. However, Chase customer service has repeatedly refused to honor the original terms and correct the issue. 

I request that Chase properly credit XXXX XXXX points to my account as originally promised in the promotion. 

I request that Chase honor the original promotion by crediting XXXX XXXX points to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I requested to have my credit protection place coverage activated for involuntary termination from my former employer. XXXX last card number XXXX last card number XXXX last card number I requested credit protection on all three cards but was not provided the service as request and as paying for this service in the terms and condition when ever I have an involuntary termination for a permanent employment and I provide the documentation as requested I am owed this benefits. Date open was XX/XX/year> but the approval for the benefits has not been approved at this time and all documents in regards to the terms and conditions has been met for all cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have a Robin Hood account and I have a spending account with them and my debit card was lost or stolen and fraudulent transactions happened in that time period they denied me a refund but I did not have fault in this I do not know how someone can steal my information and use it they emailed me and denied me a refund when I should not be charged for something they could have stopped after multiple declined transactions they still let others go through and let these people steal my money Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: LA

Complaint narrative:
Consumer Name XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth 06-28-1979 Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXXn XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Mysteriously charged {$29.00} monthly by Coinbase after I attempted to close my account. Coinbase is withdrawing {$29.00} from my checking account monthly on the XXXX and I am not sure why? I have contacted XXXX XXXX about these mysterious charges as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2025-02-06 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: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2025-02-06 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: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
My transunion and experian reports for my Mohela accounts are wrong and I have filed disputes. My subsidized and unsubsidized loans through Mohela are both paid in full. I cant get this updated on my credit reports despite uploading the letters from Mohela. 

When Mohela changed servers it I believed they changed the account number. On my credit report it says my balance is still {$790.00} despite being paid in full. When I try to dispute it Mohela tells them it is accurate. They do not have correct information and I have the letters from Mohela to prove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
Things are on my credit that should not be on there with Experian and XXXX. I also have a police report I will add my police report # : incident Submission Number 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 2025-02-06 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I never opened this XXXX XXXX Credit Card. I leave out of town for 8-9 months at a time driving trucks. I found that my personal information and log in information was stolen by my previous employer and was used in gaining access to my personal email and laptop. He accessed my personal files on my laptop. This has been going on for years as I travel so much. XXXX XXXX lived about 1 mile from my house and would drive by according to the XXXX XXXX XXXX and most likely access my postal mail. I learned of this XX/XX/year>, and I immediately returned to XXXX XXXX XXXX and filed a police report with XXXX case number XXXX. I didn't realize the gravity of the situation, so my first report was that he accessed my personal information. The second report was that he was stalking my family by driving by my home ( also added to that case number ). The third supplement was that he was stalking me and harassing me to this same case number. I still didn't understand what he was doing with my personal data, but then I started receiving mailers from creditors asking me to represent me in civil suits. It was then that I realized that severity of this matter and filed a fourth supplement to the details in the report ( same case number ). 

I have tried repeatedly to explain to Synchrony Bank that I did NOT open this card. I have filed cases with the FBI ( since the suspect left for Iowa ), The XXXX XXXX Police Department, the XXXX XXXX XXXX XXXX XXXX, Social Security ( Since my SS was compromised ) and the US Postmaster. I am asking you to REMOVE MY NAME FROM SUCH LAWSUIT AND REMOVE THIS FROM MY CREDIT AS IT IS FRAUD. I need help.

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 2025-02-06 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
After learning about recent data breaches in which exposed my personal information, we noticed several cases grew from space linking me to unusual accounts. Ive explained the dilemma with Capital One several times in an honest attempt to remove this account. on XX/XX/year> and XX/XX/year> I spoke with HR representatives explaining that the experean breach and XXXXXXXX XXXX act that this could all be a misunderstanding. Requesting that Capital One provide us with a handful of specific docs could solve everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: WI

Complaint narrative:
The inquiries from your company on my credit report were not authorized by me, and theyve been causing harm to my financial 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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX L. 
XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear XXXX XXXX XXXX, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor.

o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated.

o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state. 
Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact.

Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved.

Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General. 
Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports.

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