vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
I purchased a home on XXXX XX/XX/XXXX as a VA loan and paid an VA funding fee. On XXXX XX/XX/XXXX I was issued a VA XXXX rating of 40 %, which is retroactive to XXXX XX/XX/XXXX. 

Those receiving VA compensation for a XXXX are not required to pay a funding fee. In this case where the rating is retroactive to before the closing date, the VA funding fee is refundable. 

The VA has advised that they require the mortgage company, Freedom Mortgage, to initiate the refund request. Freedom Mortgage refuses to do so. 


Freedom Mortgage XXXX XXXX XXXX, XXXX XXXX, FL XXXX United States | Lender NMLS ID : 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 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XX/XX/year> I tried to convert my Venture One points to XXXX of Capital One 's transfer partners. When I select Convert Rewards, it sends me to an authentication page and tells me to enter my phone number. I enter my phone number and it goes through, but then the next page to load, loads to nothing. I've tried doing this on my mobile device and desktop and neither one gets me to the appropriate page. Based on several other testimonies online this issue has been going on for months without being resolved. We pay for this rewards service, so by not having access to the page this is false advertising and we are not being given all services we have paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Lived in my house XXXX  years Once  the XXXX party servicing agencies got ahold of my inactive mortgage it has been a nightmare. Nationstar/Mr Copper sold me to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I have never done business with none of these people but yet they want money. Who are they don't won't show any papers that I signed with them.I don't want papers that were from XXXX 2010. There is no outstanding loan showing anywhere that I owed money. I have a paper telling me the loan was paid in full with Nationstar name on it. I can not find anywhere that a loan was taken out from XXXX XXXX XXXX XXXX XXXX XXXX or XXXX. Put on XX/XX/XXXX Nationstar foreclosed on me and on XX/XX/XXXX they finalized my foreclosure and XXXX XXXX was involved in getting the money. This was all done illegall all these XXXX party lenders are crooks. I am still in my house and I will not move. When I know that this whole thing was a scam to collect money and to target the elderly. How many of these companies are legal to do business. 
I want my name back on my deed and land titles. And all these companies held respondable for there actions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: GA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Dear or Madam : On or about XX/XX/year>, a representatives claimed they were calling from Bank of America regarding scams in our business and personal accounts in the amount of {$18000.00}. They insisted that if I purchase gift cards in {$500.00} increments, take pictures of the cards and text them to them, I will get my money bank. 

I immediately called bank of America Fraud Department alerting them. The scammers keep calling me to purchase the gift cards. I went to XXXX and XXXX XXXX XXXX. While at XXXX XXXX XXXX, I called Bank of America Fraud Departments letting them know that I was at XXXX to purchase the gift cards, but my accounts were frozen. 

Bank of America unfreeze the Debit Card and I purchased the gifts cards. Bank of America Fraud Dept. knew or should have known that purchasing gift cards, taking pictures, texting the pictures of the gift cards are scamming modus operandi. 

Bank of America opened investigation, and later refunded the {$18000.00}. XXXX months later, they reversed the credit of {$18000.00}. 

Most importantly, they were investigating the Claim as a Fraud instead as a Scam. Now, they are investigating it as Scam. 

The BoA representative assigned to the case has not returned my calls or emails. 

I need my funds of {$18000.00} plus damages for willful negligent by Bank of America employees of the Fraud Department.

Thank you for your assistance in resolving this matter promptly. 

If you have questions or concerns, you can reach me via email XXXX or by phone at XXXX. 

Respectfully Submitted, 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 2024-06-04 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: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
COMENITY CAPITAL BANK opened a new account ( XXXX ) under my name, without my consent or any involvement, which includes a charge with interest and fees under my name, which they keep increasing and submitting to Credit Bureaus ruining my credit score. 

This is not a new issue, I already submitted cases about this bank : XXXX, XXXX, XXXX, XXXX, for which I did not get much help, but now they literally opened a new bank account under my name, without my involvement, why are they allowed to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: Self Financial Inc.
State: TX

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX XXXX  XXXX, Texas Laws Dear XXXX, I am writing to address the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Additionally, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 

I assert that I have not provided consent for XXXX  to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws. 

I demand that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

Obtaining consent is a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Please note I was reported as 30 days late for month of XXXX with XXXX. I was marked late erroneously as I WAS NEVER late. My car was fully paid off on XX/XX/XXXXXXXX XXXX. The payment was due XX/XX/XXXX. As per my conversation with a XXXX XXXXXXXX I was informed that I was within the 30 day grade period and shouldn't have been reported late. Please note the attached credit report showing that I was clearly reported 30 days late and CORRECT THE ERROR. I am in a process of a XXXX XXXX dollar loan and my credit took an XXXX point hit!! This is inexcusable and needs to be corrected immediately. 

Please see attached my credit report showing the late reporting -Pay off confirmation from the dealership -my Driver License

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I recently learned that my information was used for opening an account and few inquires as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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:
Dear Consumer Financial Protection Bureau, I am filing a complaint against XXXX XXXX XXXX due to their failure to accurately report the status of a closed and charged-off account on my credit report. Despite multiple disputes and direct communications with XXXX, the account continues to appear on my credit report inaccurately. 

This ongoing issue has severely impacted my credit score and financial well-being. The charge-off status is particularly detrimental and unjustified, as I have provided XXXX with all necessary documentation to prove the inaccuracy, yet they continue to verify the erroneous information. 

I am seeking the CFPBs assistance to investigate this matter and require XXXX to remove this closed and charged-off account from my credit report within XXXX days. Your prompt intervention is highly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX  XXXX ] [ XXXX, California, 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 2024-06-04 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am currently XXXX overseas. My card was used on an evening for two separate unauthorized charges resulting in {$XXXX} taken from my account on XX/XX/year> to some sort of management company. I called XXXX XXXX XXXX department and was told Oh this definitely does not look correct let us submit a claim. A provisional credit was issued and the case was opened. The decision came back and was concluded there was no error in the transaction, since tap to pay was used. An appeal was sent in reassuring that this charge is not accurate, and this company, which can not be traced, stole the money. I was denied again as of XX/XX/XXXX and was told without new information, I am not to be believed and can not be refunded. This is the second time the country Im currently in has stolen my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : # XXXX, Account XXXX : # XXXX, has violated my rights. 

XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX : # XXXX, 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 XXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.U. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more that seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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 checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

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