vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 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: CA

Complaint narrative:
I hope you're doing well as I write you this letter. After carefully requesting my credit report from your company, I am having a lot of trouble discovering a lot of inaccurate or invalidated accounts. Since my information was impacted by the XXXX data breach and might have ended up in the wrong hands, I am unaware of these things or inaccurate information. I have strong evidence that these erroneous items on my report were caused by your breach. You are failing to comply with the FCRA by reporting carelessly and inaccurately. I demand that these items be updated and deleted right away. I also demand that you send me a credit report within 30 days that reflects the updated changes. 

XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX The following personal information is incorrect Previous Address ( es ) 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 I swear under penalty of perjury this account was opened fraudulently I am aware of your unlawful practice of responding to consumer complaints and challenges by sending generic letters regardless of the information provided. Each disagreement must be resolved on an individual basis, according to 15 U.S. Code 1681i ( 2 ). I used fully accessible software to create my letters. My consumer rights are violated if my letters are not processed. I will view this as a violation of my rights and will speak with my attorney.

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 2023-08-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Good Morning, Im writing to you in a complaint with Freedom Mortgage. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. I sent the letter from the county clerk office along with the letter from the VA. Unfortunately, due to all the medical bills I had to file XXXX XXXX bankruptcy. I sent a letter to freedom mortgage from my lawyer stating that the house was not part of the bankruptcy that I was still responsible for the mortgage. Freedom Mortgage took it upon themselves and put my account under bankruptcy. I now have no access to my on-line account. Also I have asked several time for my surplus of escrow and they have failed to respond. If there is any way you could help me get my access back and the money the Freedom Mortgage owes me from my escrow. Thank you for your time and attention. 


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 2023-08-28 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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX The University names and loan amounts do not correspond on my Aidvantage Federal Student Loan account. 
It shows my loan balance at over {$24000.00} in the amount of two separate loans that were consolidated back in XXXX. 
It says I attended a school called XXXX XXXX XXXX XXXX XXXXXXXX, Oregon. This is true. It was quite brief though and as I best recall, it was only one loan for less than {$4000.00}. 
This is all current information in my Aidvantage account as of today. XXXX My only guess is that they have it confused with my previous universities, XXXX XXXX XXXX XXXX XXXX loans of respectively, XXXX XXXX XXXX XXXX XXXX 
I attended the bulk of my schooling there between XXXXXXXX XXXX XXXX XXXX time was brief, and would have been during the mid XXXX. 
I emailed Aidvantage and shared this same information with them.

I asked to schedule a call as I do not believe the amounts to be accurate and found them to be inflated beyond what should be accurate, as well as not connected to the correct university.

Im happy to share any additional information you need & can be available for a call within 24 hours notice. 

Please advise on next steps and course of action. 

Much appreciation, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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:
To Whom It May Concern, Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance.

As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C.S 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S. C.1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permIssible purpose to obtain consumer credit file pursuant to 15 U.S.C . $ 1681b ; 4 ) Provide consumer credit file pursuant to 15 U.S.C. 1681g ; Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and ventiable proof, you must remove all unverified. invalid, derogatory information from my consumer disclosure report. 
For your convenience, I am attaching you a list of the Items you need to verify them Please correct this by the removal of these items from my consumer report. 
Upon completion of your investigation, please send a detailed description of the procedures determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information the agent conducting the said investigation in case further communication is necessary. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2023, I received a notice from an official at my school, saying that XXXX of my teachers was downsizing and selling her late husband 's accessories, one being a XXXX digital camera. I searched the Name, email, and validity of this person on my official school website. Everything checked out, everything was correct. So, I had no choice but to believe it. I texted the number that was provided in the email to receive the item that was listed and was ordered to pay {$200.00} through Cash App, which is connected to my debit card at XXXX XXXX, on XX/XX/2023, and the XXXX digital camera would be shipped out the same day. The person then ordered me to pay {$150.00} more, which I didn't have, so I requested a refund of the {$200.00} that was already paid. They agreed to give me a refund and said give them a minute. This is when I knew I wasn't getting my money back. I waited until it posted into my XXXX XXXX XXXX  account and called to submit a dispute of {$200.00} on XX/XX/2023. The customer service representative that I talked to at XXXX XXXX, XXXX of the first things he said was " I don't want to give you any false hope, but you are not getting your money back. '' He explained that Cash App is a third party website and I had to go through them in order to file the dispute. Even though I didn't receive the merchandised ( as is XXXX of the options in their dispute reasons ), he assured me I wasn't getting any money so there was no point in following through with the dispute, which I felt was very rude. I then cancelled the dispute at XXXX XXXX, because he already told me I couldn't get my money back. I then tried going through Cash App Support on XX/XX/2023, because XXXX XXXX told me that the purchase was not made through them, but through Cash App. Cash App repeated what XXXX XXXX told me and it felt like I was going in circles looking for an answer to this scam. Each representative told me the same thing, I have no further information on this case, but if you would like to ask me about something else I can answer. I then tried re-filing the dispute with XXXX XXXX, but they told me since I already filed before and cancelled, I wasn't able to do make a new dispute on the same claim, even though he told me to cancel earlier because I wasn't going to get my money back from the start. I wasn't helped by either XXXX XXXX or Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone opened an account at Chase bank using my name. I don't and have never had an account with Chase Bank. I received a statement from them last week and told them about it, but they won't close the account unless I'm in person which I've not been able to do yet. XXXX  XXXX XXXX called me today and said the same thing had just been tried but they stopped it. Said the perpetrator is using XXXX to make transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Late XX/XX/, I disputed the transaction with the company in regards to XXXX XXXX XXXX XXXX XXXX billed on XX/XX/2023 for {$350.00}. The company provided a temporary credit. On XX/XX/XXXX, the company provided a letter stating they reversed the transaction because of lack of " proof of cancellation ''. I submitted a response on XX/XX/XXXX stating the merchant " terminated '' the service with bogus reason hence no cancellation from my side was needed. On XX/XX/XXXX, I submitted the response again stating 1 ), the merchant breached the contract first thus no cancellation obligation is needed from me 2 ), the specific details why the merchant breached the contract. Capital One denied my claim immediately on the ground of " lack of requested documents ''. I called in to confirm the requested documents again, after 4 representatives, they confirmed with me 1 ), purchase agreement or invoice ; 2 ), proof of cancellation ; 3 ), terms and conditions ; 4 ), refund voucher or not ; 5 ), description on what happened. I explained to the rep that 1 ), I was never provided a purchase agreement or sales receipt, that's the fact from the initial filling ; 2 ), the merchant refused to provide service and breached the contract hence no cancellation needed from me ; 3 ), I have already provided a copy of the terms and conditions ; 4 ), I have already provided a description on what happened and details. 5 ), the merchant refused to provide a refund. 

Capital one refused to dispute this transaction on the ground of lack of sales invoice or purchase agreement. The reason is that because the merchant refused to provide me with those documents upon three attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: FC HoldCo LLC
State: NJ

Complaint narrative:
XX/XX/2023 flagship credit acceptance and XXXX XXXX tan my credit. I was on XXXX XXXX thinking about refinancing and I never submitted my application after a refinance company reached out to me and I told them I wasnt ready to do anything that I didnt want to have my credit ran and they did it anyway I would like to dispute this

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 2023-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
its two CapitalOne account open on my name that dnt belong to me. i have call CapitalOne. 
file a complaint that its fraud and the address have never live. please i need fixing this thank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Investment XXXX XXXX  XXXX XXXX XXXX, purchased a subject property located at XXXX XXXX XXXX, XXXX  XXXX, XXXX FL XXXX and Certificate of Title was issued on XX/XX/XXXX by the XXXX XXXX Clerk of Courts ( attached ). Since taking ownership XXXX XXXX has made every effort and attempt to resolve issues on title. XXXX XXXX attorneys pulled an official title report in which the chain of title shows the following : 1. Assignment of Mortgage - XXXX  : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, from XXXX XXXX XXXX XXXX Assignor, to NATIONSTAR MORTGAGE LLC D/B/A CHAMPION  MORTGAGE COMPANY, ASSIGNEE ). 
XXXX. Corporate Assignment of Mortgage - CFN : XXXX Book XXXX Page XXXX ( XX/XX/XXXX, from NATIONSTAR MORTGAGE LLC D/B/A CHAMPION MORTGAGE COMPANY, ASSIGNOR, to Secretary of Housing and Urban Development , Assignee ) .

XXXX. Deed - XXXX XXXX XXXX XXXX XXXX XXXX ( Deed shows inconsistencies and does not reflect the proper chain of title and recordings. 
XXXX. Notice of Default and Foreclosure Sale - XXXX XXXX Book XXXX Page XXXX - Conflicting Information - The Secretary of Housing and Urban Development will bid {$300000.00} - if the mortgage is indeed owed why did HUD bid if there was a debt owed? HUD does not own the loan, they only insured through HECM senior program ( reverse mortgage ) but HUD never truly owned the loan. 

XXXX XXXX XXXX XXXXXXXX, and Nationstar Mortgage XXXX Champion Mortgage Company does not have any record or proof that the mortgage was indeed paid off or not. XXXX XXXX XXXX, XXXX, and Nationstar Mortgage XXXX Champion Mortgage Company can not locate any data or factual evidence of the mortgage. This has caused XXXX XXXX a loss of {$290000.00} on a resale of the property or a loss of {$120000.00} at Foreclosure sale plus an additional {$60000.00} on repairs, for a total of {$180000.00}. Due to the negligence of XXXX XXXX XXXX, XXXX, mortgagor ; and Nationstar Mortgage XXXX Champion Mortgage Company ; and their lack of evidence to secure the proper loan documentation ; has caused Secretary of Housing and Urban Development to proceed with a false foreclosure ( non-judicial ) on behalf of the borrowers who are deceased since XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ). 

XXXX XXXX XXXX XXXX, Foreclosure Commissioner used and forcefully abused their power to improperly foreclose on the subject property without providing proof or evidence through signed borrower forms from XXXX XXXX ( borrower ) and XXXX XXXX ( borrower ). The United States Secretary of Housing and Urban Development, collaborated with XXXX XXXX XXXX XXXX through non-judicial process in order to avoid litigation and to avoid from providing proof of ownership of the HECM ; when indeed XXXX XXXX XXXX, XXXX, mortgagor still retains ownership of the deed, mortgage and subject property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony bank closed my credit card and confiscated the cashback.

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 2023-08-28 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: GA

Complaint narrative:
To Whom It May Concern, Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance.

As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C.S 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S. C.1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permIssible purpose to obtain consumer credit file pursuant to 15 U.S.C . $ 1681b ; 4 ) Provide consumer credit file pursuant to 15 U.S.C. 1681g ; Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and ventiable proof, you must remove all unverified. invalid, derogatory information from my consumer disclosure report.

For your convenience, I am attaching you a list of the Items you need to verify them Please correct this by the removal of these items from my consumer report.

Upon completion of your investigation, please send a detailed description of the procedures determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information the agent conducting the said investigation in case further communication is necessary. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: GA

Complaint narrative:
To Whom It May Concern, Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. 
As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C.S 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S. C.1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permIssible purpose to obtain consumer credit file pursuant to 15 U.S.C . $ 1681b ; 4 ) Provide consumer credit file pursuant to 15 U.S.C. 1681g ; Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and ventiable proof, you must remove all unverified. invalid, derogatory information from my consumer disclosure report. 
For your convenience, I am attaching you a list of the Items you need to verify them Please correct this by the removal of these items from my consumer report. 
Upon completion of your investigation, please send a detailed description of the procedures determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information the agent conducting the said investigation in case further communication is necessary. 

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 response to consumer: Closed with explanation