vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: IL

Complaint narrative:
Good Morning I have a loan through credit fresh. when i first opened this account i was told it was a line of credit in which {$50.00} would go to the fees and the rest to the loan. This has never happened. I have called 2x to ask for the exact breakdown of what percentage is going to pay back my loan and what is going to the fees/interest. They can not provide this in writing nor over the phone. They debit every payday ( 2x per month ) and most of the debits go to the fees and hardly to the principal. I need to know exactly how this is being calculated and how much it is. I need to know if there is something to do to have more go to principal as most of the payment goes to the fees and it is a huge amount. for example, if my payment is XXXX about XXXX went to fees and that is 2x per month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: Uplift, Inc
State: CO

Complaint narrative:
The account appearing on my credit report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted. The identified transactions are not information related to any transactions by me as the consumer : UPLIFT INC. 
ACCT NUMBER : XXXX DATE : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: NY

Complaint narrative:
I am a victim of identity theft. Without my knowledge a XXXX XXXX credit card was issued. The XXXX XXXX XXXX XXXX was created without speaking to me. A fake email address and my old address was used. As soon as I found out I have contacted XXXX XXXX multiple times, XXXX XXXX and all the credit bureaus. I have disputed with credit bureaus and have not received accurate results. TransUnion have violated 15 u.s.c 1681 code. I will speak to them over the phone and they won't do thorough investigation and send me result but based on what. I want to know what investigation was done to verify that fraudulent account as accurate. They removed that account from my credit report just to put it back again.

I am in process of buying an apartment I desperately need my credit fixed. I am a very responsible consumer.

Please remove this inaccurate information TransUnion as you are in violation. 

Provide me with a proof that I used up XXXX us dollars. Why should I be responsible for something that was done fraudulently. I am a victim here.

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 2024-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The companies listed below are reporting fraudulent inaccurate information on my credit reports with XXXX, EQUIFAX, and XXXX. I have requested that they provide the " PURCHASE AGREEMENT '' to show full ownership of such accounts and also other documents so I May review them to see if these accounts belong to me. 

These are the companies that are currently reporting fraudulent inaccurate information on my credit reports ; XXXX XXXX XXXX : Reported : XXXX XXXX, 2024 - {$770.00} XXXX XXXX XXXX : Reported : XXXX XXXX, 2024 - {$1100.00} XXXX ; Reported : XXXX XXXX, 2024 - {$1600.00} XXXX XXXX XXXX : Reported : XXXX XXXX, 2024 - {$5100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
My XXXX autodrafted payment with Roundpoint Mortgage went up from {$2500.00} I have been paying the entire life of the loan to {$2900.00}. When I saw this I called the company and spoke with someone, they had put an insurance policy in place on my mortgage and added to my escrow but I was not notified of this and I already had insurance coverage in place on the property that I have been paying outside of escrow, again for the entirety of the loan. They called my insurance company to confirm and got the documentation they needed from them and I was told they would credit back that money to my principal which I do see in my activity in my online account and they said the payments would return to their original amounts. That did not occur and my XXXX payment was autodrafted again for the {$2900.00}. I have tried multiple times to call since and can never get a human on the phone to dispute this and at this point having that money just credit back to my loan balance is unacceptable. I'm now out of pocket {$750.00} that I shouldn't have had to pay in addition to what I pay monthly for my homeowners insurance. They again haven't changed the payment back in my account showing for my upcoming XXXX draft, I want someone to handle this 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 2024-02-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: FL

Complaint narrative:
I moved in XX/XX/XXXX and as a precautionary measure went to check for mail at my old address ( I had filed a change of address ). To my surprise there was a final notice from XXXX for XXXX XXXX ( this is what they told me ) I told them this was not mine as the complex provides internet and thought that was the end of that. Two days ago, XX/XX/XXXX, I went to pick up mail again and found a collection notice this time from Maury Cobb Attorney at Law stating it was for a XXXX account. I called them and they said that unfortunately, there was nothing they could do for me. They instructed me to file a complaint with XXXX XXXX and a police report. I did both.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Subject : Formal Complaint against Merchants & Medical Credit Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Merchants & Medical Credit for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Merchants & Medical Credit placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Merchants & Medical Credit, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Merchants & Medical Credit provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Merchants & Medical Credit is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with Merchants & Medical Credit is blatantly false. I neither received any services or products from Merchants & Medical Credit nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that Merchants & Medical Credit is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of Merchants & Medical Credit constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

Please keep me informed about the progress of this complaint, and want to thank you for your time! 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: Nelnet, Inc.
State: MS

Complaint narrative:
My student loans were with Nelnet, but were transfered to XXXX  because I applied for public service loan forgiveness. Loans were forgiven in XX/XX/2023. I have statement from both XXXX & Nelnet showing balance is {$0.00} and a letter saying my loans were forgiven, but my credit report is still showing a balance of over {$40000.00}. I have disputed several times. Called Nelnet they said XXXX had to cancel so I called XXXX  and they said they had done so, but credit report still shows balance 8 months later. Just disputed again still didn't fix issue. Balance needs to be updated to {$0.00} by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

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 2024-02-29 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this statement is being generated by me. The accounts mentioned in this report should not be reporting on my accounts as they violate the federal credit reporting act according to 15 US code 1681-B permissible purposes of Consumer Reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the written instruction of the consumer to whom it relates. I never gave these consumer reporting agencies my written or verbal consent nor instructions to report anything on my consumer report which violates my rights as a federally protected consumer. No consent is identity theft. As a federally protected consumer, I am demanding the deletion of these listed accounts immediately. 

Additional Unauthorized Hard Inquiries : 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 2024-02-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Lightning Mortgage Holding Company Inc
State: MN

Complaint narrative:
There are ALL KINDS OF WRONGS with this other lenders worksheet and what they are telling you. So much so, that you should report this XXXX XXXX XXXX to the CFPB. 



To Start- You can not use a XXXX XXXXXXXX XXXX on an FHA loan unless you have owned it for a period of XXXX  months. The snap shot below is from the FHA site. Hes trying to give you {$7800.00} You must have lived in your home the one with the mortgage you are refinancing for at least XXXX  months to qualify for an FHA cash-out refinance. If you've only lived in the home for XXXX  months, you'll have to wait XXXX more before applying for that FHA cash-out refinance. 



Hes waiving escrows for taxes and insurance ( which you can not do on a FHA loan. 
Federal Housing Administration ( FHA ) loans require all borrowers to have escrow accounts. The accounts are used to pay property taxes, homeowners insurance, and mortgage insurance premiums ( MIPs ). 



You currently have a conventional mortgage. Flipping to an FHA loan adds the Upfront MI fee of {$2600.00} to your loan. 
The XXXX XXXX {$10000.00} XXXX and XXXX liens you used at closing will not allow a XXXX XXXX XXXX. See the attachment. 
The reason the rate is Low-er is that hes charging you XXXX points to lower the rate ( FHA is lower rate the conventional rates we discussed yesterday anyway ) Hes charging you {$4200.00} in Origination fees. This is Tremendously high. Our fee is {$1300.00} for underwriting and {$320.00} for the fraud guard fee. 
Hes charging you {$650.00} for an appraisal. Unless youve owned the home over XXXX months, you have to use the value at time of purchase. 


I would again, report this guy at : https : //www.consumerfinance.gov/complaint/ Hes offering you programs that dont allow what hes offering

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: ME

Complaint narrative:
I have multiple medical collections on my report where it's older then XXXX and has been sold numous times and the credit reporting company refuses to remove it from my report and just say nothing changed

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 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
In XXXX, I had my first bank account with Wells Fargo XXXX XXXX, MI. I didn't know about contacting anyone for help or what to do. Before my account was in the negative, I noticed several overdraft charges that put my account into the negative followed by a few charges that would have been covered had I not been charged. I then received even more overdraft charges which led my account to become around {$400.00} overdrafted. The teller at the bank could not help and simply sent it for " review ''. In the end, they wrote off the negative balance and closed my account, but never paid me back the amount that was taken before the first round of wrongful charges. I lost my home because of this. I was a homeless XXXX XXXX XXXX in a state with no family and nowhere to go because of this. I ended up XXXX  after XXXX XXXX  because I was homeless with nowhere to go. 
Recently, I tried reaching out to Wells Fargo online to ask about getting reimbursed the amount that was taken, and I was very polite about it. I got a case number but then heard nothing else from them. Last email I received told me to log into my account, but I no longer have an account for obvious reasons.

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 2024-02-29 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I dont remember the date, so my credit is really low and I want to know how or can somebody help me fix it. What can I do to get credit if I dont have none

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered with XXXX, and I am seeking assistance in resolving this matter. 

On [ date ], I received an alert from XXXX stating that my XXXX XXXX had decreased by XXXX points. Upon checking my account and reviewing my credit report, I found no explanation for this significant drop. I am diligent in maintaining my financial responsibilities, and my credit report has been consistently clean. My payment history is on time, including payments for my stolen car situation. 

Regrettably, when I contacted XXXX to seek clarification, their representatives were unable to provide satisfactory answers to my questions. Despite my efforts to maintain a good credit standing, the lack of transparency on the XXXX XXXX drop has left me confused and concerned. 

Additionally, I would like to highlight my experience with Chase Bank, where I have faced challenges in obtaining assistance for my stolen car situation. The difficulties in resolving this matter have added to my distress. 

I am reaching out to the CFPB with the hope that you can investigate this issue, shed light on the reasons for the XXXX XXXX decrease, and assist in rectifying any inaccuracies. I understand the importance of maintaining a good credit standing and am committed to resolving any issues that XXXX affect it adversely. 

Thank you for your attention to this matter, and I sincerely appreciate any assistance you can provide in resolving this situation promptly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: OH

Complaint narrative:
This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, XXXX, Experian ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

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 would like these fraudulent accounts removed ASAP as this not only hurting my personal score, but hurting my chances of obtaining business credit because fraudulent items was open and is still OPEN on my personal report. Please remove!

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