vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: TX

Complaint narrative:
Mortgage company not taking responsibility for late charges from taxing authority. Blaming me saying that I didnt provide the tax bill to pay it. However, they did pay half of the taxes on time, but their excuse for not paying the remainder of the taxes is because my taxes were a UDI 50/50 split with my mother and I. On there end, they dropped the ball because this fact is irrelevant because the tax bills are under the same parcel number. On XX/XX/XXXX, their agent told me initially that they took responsibility for the late fees and that they were going to adjust my escrow account to reflect this. Of course after several follow up calls from me, theyve given me several different stories to cover their mistake to justify not reimbursing my escrow account. My last two phone calls on XX/XX/XXXX & XXXX have resulted in them hanging up on me after I mentioned that I was going to file a formal complaint if they didnt adjust my account. At one point, they even said that the taxing authority wouldnt accept the payment from them and they sent me a letter telling me that. Besides the absurdity of that, they never produced the letter that they said they sent when I requested it. Ive gotten at least 5 different stories from 5 different people. When I asked to speak with someone in the escrow department, theyve basically said that that was impossible because they dont take calls. Ive only had access to customer service which of course knows nothing when I call which forces me to start from square one each time. This is just the tip of the iceberg, but Ill end with this summary from the sake of expediting this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
TD bank has been charging me fees on multiple occasions related to insufficient funds fees. They charge me return fees even if they have not paid the item or transaction which makes it very very hard to bring the account to positive. When I asked for a refund they claimed and allegedly stated that the fees are accurate. But based on the new memo released in XX/XX/2022, and if the Presidents executive order, junk fees are deemed illegal.They claim that businesses are not included in the junk fees waiver. Is that correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: AL

Complaint narrative:
I have disputes from the same hotel for the same amount. I disputed both transactions, but Capital One says that my XX/XX/ claim was filed too late because I only have 180 days. I will not receive a refund. I also received a letter that says Information we discovered leads us to believe you or another account user benefitted from the transactions. I have never been to XXXX XXXX XXXX! This is an undisputable fact! Im not sure what to do. The claim on XX/XX/ is still being investigated, but I have no confidence this will be resolved the right way at this point. If the investigation is done properly, they will see that the latest transaction is fraud too. 

Charges in question : XX/XX/ and XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Florida {$640.00}, 2 separate charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting ac XXXX account # XXXX 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.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE SEE ATTACHED FILE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX 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.

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 2023-11-29 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: CA

Complaint narrative:
Please see attached letter. Incorrect information on my 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 2023-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Fraudulent inquiries showed up on my reports and I have no idea where they came from. My identity theft report from the FTC and the IRS were recently sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After looking over my credit report and notifing theCredit bureaus of unaurthorize inquires on my report I contacted XXXX, TransUnion and XXXX. I explained that these inquires were not of my knowledge, nor doing and ask to have removed. Bureaus did not help with my situation. After learning that some companies practice bad financial practices by running crdeit multiple time through multiple channels, and without the consent from me, a consumer endures significant damages to their credit. Under the FCRA 15 U.S.C. 1681 there should be not be any damages on your credit report. It's a defamation to your character.

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 2023-11-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: OR

Complaint narrative:
On XXXX my card was compromised and used to make a {$48.00} XXXX XXXX transaction that I didnt authorize or have any knowledge of. I contacted ADP and had my card blocked as well as let them know this was not me as I have NEVER sent XXXX XXXX  to ANYONE EVER! They advised me to submit a statement attesting that I did not make thecharge ( see attached ). Also, they advised me they had to investigate and that it could take up to 45 days. I kept calling and checking the status and they kept telling me they were still investigating. I just received notification that they are not going to reimburse me and that I MADE THE CHARGES. I am livid and outraged. I dont know what kind of investigation they did ( or didnt do ) but they are 1000 % wrong. I WANT MY MONEY! I also reached out to XXXX who said they had NO transactions in my name for {$48.00} and said I needed to reach back out to my bank? How did ADP come to the conclusion that it was me when XXXX  verified I did not do this transaction? I want them to make me whole and provide me with the evidence of their sloppy so called investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX  I received a copy of my credit report and I noticed 3 accounts that are listed on my credit that are not mine, and I never applied for and never used.

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 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AZ

Complaint narrative:
In XXXX I refinanced my home in hopes of paying off some debt. My lender accidentally sent a {$14000.00} payment to my student loan ( which was in Covid deferment at that time ) instead of paying off my vehicle, which created huge financial issues for me. 

I am part of the Public Student Loan Forgiveness ( PLSF ) program XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and when I called my servicer at that time I was told that I would have to complete the PLSF program and would be reimbursed after I hit my 120 payments. I reached 123 payments and have inquired several times about getting reimbursed for the overpayment, but have not been able to get any information about getting reimbursed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I WAS JUST NOTIFIED OF AN UNAUTHORIZED INQUIRY FROM XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I placed some disputes with Equifax dated XX/XX/. I disputed late payments on closed accounts. The last reported late payment is greater than XXXX XXXX XXXX. The original credit report showed on-time payments and late payments. 
On XX/XX/, Equifax 's new credit report reported my own time payments as " unable to verify '' but reported the same late payments. As a result, my credit score dropped XXXX points. I never disputed my on-time payments. 
I reviewed my credit reports and there were no other changes. So removing my " on-time '' payments to " unable to verify '' payments decreased my credit score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
Commencing on or about XX/XX/, I fell victim to a multilayered scam operation orchestrated by XXXX, which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX account to fraudulent investment firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
on my credit report there is a debt I know nothing about it in my collections. This is clearly fraud. Jefferson Capital system They claim I owe XXXX over {$2000.00}. I have called a few times asking for proof of documents in which they ever never supplied anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 
14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: MD

Complaint narrative:
on XX/XX/2023 I sent a certified letter to XXXX, XXXX, and TransUnion credit bureaus for validation of debts for the collection accounts that's being reported on my credit report. XXXX, XXXX and Transunion failed to provide the requested information.

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 2023-11-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
on XX/XX/2023 I sent a certified letter to XXXX, Equifax, and XXXX credit bureaus for validation of debts for the collection accounts that's being reported on my credit report. XXXX, Equifax and XXXX failed to provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: OH

Complaint narrative:
I provided two securities via registered mail to Discover Card. Not only was my interest not electronically transferred to my XXXX account, but my credit report does not reflect the payments they have received. According to UCC 3-604 due to their neglecting to process my payment and failure to return said securities I have discharge and I am no longer indebted to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: Southwest Business Corporation
State: AL

Complaint narrative:
Since XXXX of XXXX  SWBC Mortgage was hitting me with late charges because they stopped taking XXXX XXXX  on line e payments from my account. I called there customer service and they did not offer any help at all only choosing to say it was my responsibility. They eventually waived XXXX and XX/XX/XXXXXXXX  late payments because they eventually received the paper bank checks XXXX XXXX  sent out but in turn hit me with a XXXX late payment after XXXX XXXX  put a stop payment and I in turn made back to back mortgage payments to bring the account u to date. 
I started my first payment in XXXX of XXXX  and had no late payments because Regions bank always made my e payments for me. SWBC stopped taking the on line payments and did not make me aware of the issue. Now they referred my account to the credit bureaus to hurt my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I was on a recorded call with experian representative. 
who told me that she was unable to temporarily lift my security freeze due to conflicting information on my consumer report. Once I told her that this was an inconvenience to me and what I needed to do. For reasons that have nothing to do with me I am unable to access my consumer report The vendors are unable to access my consumer report. This puts an involuntary freeze on my life. This is a federal crime on multiple levels and a federal lawsuit. 

Next internal information connected needed to be combined, this would take 3 to 5 business days. I explained to the rep. that 3 to 5 business days absolutely holds up progress in my life. She also stated that she put in a complaint as well. 

This also explains why the first rep hung up on me and why I have not been able to access my account online for months.

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