vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: MD

Complaint narrative:
I Contacted LoanCare after receiving from XXXX XXXX, MD tax specialist XXXX XXXX XXXX a notification stating my loan company did NOT pay my taxes from XXXX XXXX XXXX XXXX. 
Once I contacted LoanCare they declared they put my plot number in wrong and made several payments to the County not under my plot and paid out taxes not for my property. 
I had to fight to get that money back which in turn flipped my escrow negative and raised my monthly payment {$1000.00} diff from what it was prior to this. 
I contacted LoanCare again asking them to reassess my taxes and monthly payment. I provided from the County tax office stating my taxes are {$7300.00} for the year. LoanCare has {$9900.00} is the amount and I called the County again they said that amount LoanCare is showing is wrong and they also sent LoanCare my tax assessment. I am XXXX  and live on an set Housing Allowance budget so raising my monthly payment over $ XXXX a month is crazy and the fact they are ignoring my requests to reassess the taxes and adjust my escrow since THEY MADE ALL THE MISTAKES .... I need help to get this adjusted and ensure my escrow isn't being manipulated against me.

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 2024-05-02 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: NV

Complaint narrative:
Identity theft never open account with Capital One for any credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: PA

Complaint narrative:
I have had a bank withdrawing from my account with cash appIve reached out several times to explain I do not have this account and nothing is attached to my crash app account. When asked for proof that I authorized the transactions they sent me a line item showing the transaction went through nothing proving I authorized it even though I explained I had not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: OH

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 2024-05-02 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: OH

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 2024-05-02 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the items I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX BANK 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 2024-05-02 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: PR

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 non-monetary relief
Consumer complaint received 2024-05-02 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: Premier Auto Credit
State: CA

Complaint narrative:
YOUR COMPLAINT 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. Premier auto credit account XXXX Open XXXX closed XXXX Balance XXXX XXXXXXXX XXXX XXXX Original creditor Balance Balance updated PREMIER AUTO CREDIT {$11000.00} XX/XX/XXXX Have duplicate accounts on my credit report, I have no knowledge of this account and XXXX XXXX XXXX of a has violated my rights. 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
Did not have an account or activity with this organization fraud identity theft

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 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WY

Complaint narrative:
Due to various reasons USAA closed my accounts. At present there is XXXX in my closed account. 
I have sent several request for the release of my funds which is now in its XXXX day. 
Unfortunately not having access to these monies gas resulted in several bills not be able to be paid. For instance mortgage payment, auto insurance ( which ha now been closed ) and utilities soon to be a problem to mention a few. 
Can you do something to speed this process up?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I used a bank of america ATM on XX/XX/24 to withdraw {$750.00}, the machine did not dispense money. A pop up box came up and stated that I would be credited the amount to my account. The following day I had no credit. I opened up claim with BOA on XX/XX/24. No resolution. They escalated the case on XX/XX/24, and still no resolution. I called back today, XX/XX/24, and was told it will take up to 10 days to credit the money, until XX/XX/24. This is unacceptable. I am not being paid interest for them to hold my money without authorization. They did not offer even a temporary credit while they investigated. They are holding on to my money without offering interest or temporary resolution. This is unethical business practices and BOA should be fined.

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 monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to complain about my experience and service of how fraudulent charges on my credit card were handled. On XX/XX/XXXX, I received a phone call from TDBANK about fraudulent charges on my account. When I spoke to the agent, we reviewed charges and discovered there were multiple unauthorized charges from XXXX, FLORIDA. I reside in XXXX, VA and have never been to Florida. This was also under my business credit card, which I only use for business purchases. The charges were transactions for a total of {$980.00}. The Agent informed me that charges would be investigated and not to worry. I was informed that my card was likely compromised through airports, or gas stations etc. I was told that they will close the account and send me a new credit card within XXXX business days. On XX/XX/XXXX - XX/XX/XXXX, I was on a business trip to XXXX, CA. This trip requires for me to be IN PERSON as a vendor. Upon coming home, I noticed that my account had not been closed and that I had yet to receive my new credit card. I contacted TDBANK again on XX/XX/XXXX to prevent these pending fraudulent charges from accruing. On XX/XX/XXXX, I received a letter that after reviewing and investigating available information and documentation that I my claim of {$590.00} was denied due to the information that I had my chip card in possession. I did however, received partial credit for {$390.00} of the charges despite it coming from the same occurrences. I asked to speak to the appeals department or someone in a higher position, however, every agent would lead to another of the same tier. After countless calls with TDBANK trying to appeal and refile my claims, on XX/XX/XXXX, I went through with my local branch where I was informed to FAX documentation proving that I was NOT in XXXX, Florida when these charges occurred. I was also advised to write a formal letter to TDBANK to help further escalate the situation. On XX/XX/XXXX, my claim was once again denied for the same reasons. I have made the payment on my XXXX statement to these fraudulent charges to prevent interest from occurring as well as my credit score. To this day, I am still owed {$590.00} of the charges that was wrongfully burdened on my account and I am still in a constant loop with TDBANK. Please help me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: PA

Complaint narrative:
I noticed some accounts on my credit report that are not mine. Please remove immediately see attached FTC 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 explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-05-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to highlight my serious concern to EXPERIAN about certain details in my credit profile which include these unauthorized inquiries. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information.I have attached as well my FTC report with the report number XXXX to support this complaint.

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 2024-05-02 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: TX

Complaint narrative:
To Whom It XXXX Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX COS XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX/ ACCOUNT XXXX XXXX I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my XXXX XXXX is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within XXXX  days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, 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 2024-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Escrow decreased by {$3000.00} in 2023. The mortgage company is using the escrow of the monthly old hazard insurance company {$880.00} versus the escrow of the new monthly hazard insurance company {$650.00}, therefore increasing the monthly mortgage payment incorrectly and not counting the payments that have been made and cleared account, because they say that the payment is not enough, which the payment that they are speaking of is incorrect, {$3000.00} vs {$2800.00} $ XXXX {$850.00} is {$230.00} which is incorrect. 
I have contacted this company for the last year ongoing to prove this information and they keep giving me wrong information. My checks are being held and not cleared my account due to their error. 
I just found out today they have put house in foreclosure over wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX  ( XX/XX/2021 ) I applied for this card and was approved. The card was sent to me pre-activated but I never received it in the mail. XXXX tried to send me the card three more times, and still never got the card. Every month they kept on adding late fees and other administrative fees on top. Called them on numerous occasions to informed them that I never received a physical card nor statements. All calls went unanswered. The account eventually charged off and card was being reported incorrectly on my credit report. I disputed this on numerous accessions and neither of the credit bureaus ( all three ) removed files off my credit report. They all said that this adverse account is accurate and verified. Which is all lies.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX  ( XX/XX/2021 ) I applied for this card and was approved. The card was sent to me pre-activated but I never received it in the mail. XXXX tried to send me the card three more times, and still never got the card. Every month they kept on adding late fees and other administrative fees on top. Called them on numerous occasions to informed them that I never received a physical card nor statements. All calls went unanswered. The account eventually charged off and card was being reported incorrectly on my credit report. I disputed this on numerous accessions and neither of the credit bureaus ( all three ) removed files off my credit report. They all said that this adverse account is accurate and verified. Which is all lies.

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 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Deposit date was XX/XX/2024 The date they put a hold on my money {$710.00} Was XX/XX/2024 I called them yesterday and today I got no help from them at all I message them in the app they responded they didn't get my proof I sent They keep saying that my check wasn't going to be cashed that is why they put the hold in my account My account balance is {$960.00} but they only put {$220.00} in my account it seems like someone is trying to steal my money by using the banks process of cashing checks Bank name is Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation