vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
I received XXXX text messages to my cell phone : XXXXfrom " Halsted Financial, a debt collector regarding your XXXX XXXX XXXX issued by XXXX, XXXX account . Visit hfs.halstedfinancial.comXXXX XXXX XXXX XXXX Reply stop to opt-out or call XXXX. # of messages varies. California license Number : XXXX '' XXXX '' Visit XXXX XXXX XXXX  or call XXXX to take advantage of payment options on your outstanding balance of {$690.00} for your XXXX XXXX XXXX issued by XXXX XXXX account XXXX '' I have never had such an account. I called the number from my work phone and spoke with " XXXX '' who requested by SSN and phone number. I refused to give either. I told her I believed the text messages are part of a scam and I am reporting to the appropriate agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Select Portfolio Servicing, Inc, took over our mortgage in XXXX of 2023. We have been paying our mortgage for 14 years, and have never had an issue with our escrow. The second this company took over our mortgage, we have had nothing but issues. First they canceled our home owners Ins, because they didn't add carry them over from our previous mortgage lender. We resolved that. But all of a sudden, we received a letter stating that our escrow is short by {$21000.00}. This is insane. Before we left our previous lender, we had a positive escrow. We called this company, and all they said was read the analysis and it explains everything. Problem is, all it shows is a math equation. It doesn't explain how they came up with {$21000.00}. We have tried to have them explain, and no one can provide a reasonable answer. We have been on several consumer reporting sites, and select Portfolio repeatedly gets hit for charging people escrow shortages in the thousands without providing reason. This company is corrupt, and acting illegally. The company should be shutdown, and everyone should be arrested. Because of this shortage, come XXXX, our mortgage will go up by over XXXX, bringing it over XXXX. I absolutely can not afford a XXXX mortgage payment. Something needs to be done to stop this company from doing this to people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: CA

Complaint narrative:
I had XXXX $ in a cash app debit account. I tried to buy XXXX black coffee for {$2.00}. Transaction was immediately declined. No wait or lag on the terminal that was new and in good working order. I knew I had XXXX $ in the account so I tried again. Transaction completed the second time without issue. When I texted support to inquire about what just happened, they told me it was a connection error. It was not a connection error. The card was declined. Something can't be declined if it didn't connect. I tried again, and the second transaction was cleared immediately. It didn't take even a second to connect. There was a good connection. It was declined. Support was also outright hostile and was answering irrelevant questions that I didn't even ask. I asked for documentation supporting the claim this was caused by a connection error. I experienced similar behavior right before XXXX blew up, where cards with " cash in the account '' were being declined. This is symptomatic of bank failure. I highly suspect that cash app is involved in the ongoing fraud that brought down XXXX, as I'm a creditor and I've tracked the ongoing fraud to multiple institutions that are still committing it to this day. I requested the metadata that they used to determine it was a connection error. It is like speaking to a wall though. Only law enforcement can stop this ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: KS

Complaint narrative:
I have 3 checking accounts with US Bank, of XXXX. 2 are for my college enrolled daughters. 
They are charging me {$6.00} a month if I don't have {$1500.00} in direct deposits each month. 
I was not aware of this until I caught it in my statement. 
When I complained, they said they would wave the fee, if I got a credit card with them. 
So only if I get another product from them, will they correct the first product. 
I have been a customer since 2017. 
How many times have they charged me this fee without me knowing? 
And then charged me {$36.00} overdraft fees when my account is negative, because they took {$6.00} out without me knowing.

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 2024-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I paid off a title loan with OneMain Financial at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX on XX/XX/XXXX with a debit card and was told the payoff would be immediate. I called the next day to see if they notified DMV to realease my title. I was told they waited 14 days to make sure the payment cleared the bank, which was contrary to what I was told the day before. A debit transaction comes out of the account instantly, so their 14 day waiting makes no sense. Also, one month I made what I thought would be an additional principle payment a couple of days after my regular payment. They treated it like a regular payment and took {$30.00} of it as interest. Interest that had not yet accrued. They told me it is adjusted after the next payment. This can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Claim ld : XXXX Dear Chase Bank Customer Service, I am writing to express my disagreement with the denial of my refund request regarding an unauthorized transaction on my account. Recently, I noticed a transaction using XXXX XXXX XXXX that I did not authorize, which led me to believe that my card may have been compromised. 

Immediately upon discovering this transaction, I contacted Chase Bank to dispute the charge and report the possible compromise of my card. However, I was informed that my refund request was denied. 

I want to emphasize the seriousness of this situation and stress that I took immediate action upon noticing the unauthorized transaction. As a responsible account holder, I promptly contacted your customer service team to report the issue and request assistance in resolving it. 

Given the circumstances and the potential compromise of my card, I strongly believe that I am entitled to a refund for the unauthorized transaction. I have always maintained the highest level of security measures for my account, and I trust that Chase Bank will prioritize the protection of my financial assets. 

I respectfully request a thorough review of my case and reconsideration of my refund request. It is crucial to me that this matter is resolved promptly and fairly. I am willing to provide any additional information or documentation that may be required to support my claim. 

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your assistance in rectifying this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: LEXISNEXIS
State: TX

Complaint narrative:
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused serve XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report? 


As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S. Code 168i ( 7 ) Method of verification- Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
this XXXX XXXX XXXX credit account has been charged off. so this means that XXXX XXXX XXXX has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681. ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of XXXX and 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 2024-02-16 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: FL

Complaint narrative:
this XXXX XXXX XXXX credit account has been charged off. so this means that XXXX XXXX XXXX has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681. ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this XXXX XXXX XXXX credit account has been charged off. so this means that XXXX XXXX XXXX has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681. ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of XXXX and 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 2024-02-16 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: NY

Complaint narrative:
Today XX/XX/2024 ) I do not and did not understand any of these bills except that the installer rep /door salesman stated {$42.00} a month!!! 
This notice says I owe {$26.00} past due, then now {$100.00}!! 
I want all these inaccurate information deleted or corrected not owning $ ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: NY

Complaint narrative:
Today XX/XX/year> ) I do not and did not understand any of these bills except that the installer rep /door salesman stated {$42.00} a month!!! 
This notice says I owe {$26.00} past due, then now {$100.00}!! 
I want all these inaccurate information deleted or corrected not owning $ ( 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 2024-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
My son bought a XXXX XXXX XXXXXXXXCredit Appetence. He paid on for XXXX years. Loan was for {$17000.00} for XXXX years. He got in XXXX, I cosigned. XXXX the XXXX was totaled car insurance paid over {$14000.00}. He had already paid {$12000.00} on loan. They say I owe {$3900.00} for interest. I am XXXX new loan to get used car. They told dealership loan was over 180 days overdue that where going come get. That XXXX was totaled in XXXX insurance picked up when they totaled it. Need to get this off my credit 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 2024-02-16 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: TN

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 Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-02-16 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:
From the previous complaint, Equifax 's response said that the problem is fixed, and I should be able to sign on to my.equifax.com now. I have told Equifax over and over and over again that signing into my.equifax.com IS NOT THE PROBLEM. I have ALWAYS been able to sign in. THE PROBLEM IS AFTER I SIGN IN, NO CREDIT REPORT IS DISPLAYED! Please see the attachment which consists of screen-prints that show what is displayed on my.equifax.com AFTER I SIGN IN. Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
I was part of the XXXX XXXX XXXX settlement. According to court documents full relieve was to be granted on or before XX/XX/2024. I have not received all refunds and I have not received my discharge letter for borrowers defense for both schools I was awarded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Click n' Close, Inc.
State: TX

Complaint narrative:
To whom it may concern, I signed up for paperless statements with Click n Close ( Mid America ) Mortgage company when my mortgage was sold to them. I did not personally close with this company, because I have never heard of them. I have never received any electronic statements since I first began payments in XXXX of XXXX. I went to login on XXXX of XXXX to pay my mortgage when I was hit with an enormous payment amount of {$3500.00}. When I called to see why my payment was increased, they stated that they weren't taking enough out for escrow & taxes and wanted either all {$15000.00}, at once or I was going to pay the new amount of $ 3500 monthly. They should have adjusted payments every year and not wait 3 years for this amount to build up. If this is a common occurrence with new builds, then there should be protocols put in place! You can only imagine what kind of bind this put me in as a single woman. Who has that amount of money laying around, not your average person! I thought this was very unprofessional and uncalled for because clearly this mortgage company should have audited their accounts annually. This has caused unnecessary stress to me. They should be held accountable for their actions or lack there of. If I didn't have the support system that I have in place, I would be losing my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
There are multiple transactions charged on my checking account which were not authorized by me from XXXX merchant as follows : XX/XX/2024 {$1800.00} XX/XX/2024 {$2900.00} XX/XX/2024 {$2900.00} XX/XX/2024 {$240.00} XX/XX/2024 {$3000.00} XX/XX/2024 {$3900.00} The total amount of {$14000.00} have been charged from checking account without my authorization. As soon i realized i did contacted my bank about the issue and merchant, merchant was not helpful then i contacted my wells fargo bank about the issue and filed fraud claim on XX/XX/2024 and the claim reference number is : XXXX. My bank informed me that they will resolve the issue with in XXXX business days and so far they never updated me any status. when i called my bank today about it, they mentioned the claim has been denied and it's final decision. My bank didn't even reach me for any further information or updates. I didn't receive any kind of fraud alert about above transactions and I requested them reopen my claim but they denied. 

Here is my checking account info : Wells Fargo Routing XXXX XXXX XXXX : XXXX. 

Please help me to get back my money ASAP. I am hoping my issue will resolve 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 explanation
Consumer complaint received 2024-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
on XX/XX/24 I filed an ftc report concerning inquires that i did not consent to, authorize nor benefit from. FTC report number XXXXaccording to FCRA 605B THIS INFORMATION MUST BE BLOCKED IN 4 BUSINESS DAYS FROM THE RECEIPT OF THIS COMMUNICATION. As of today the iquiries are reporting on XXXX, TRANSUNION and XXXX. ON XX/XX/24 I called TRANSUNION and spoke to XXXX in the fraud department she said transunion did not recieve the FTC report and it would take XXXX days to remove after receiving the documents. Atttached is original letters sent to XXXX, TRANSUNION and 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