vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
1st call in early XX/XX/XXXX call XX/XX/XXXX, XXXXXXXX XXXX, spoke with XXXX I asked why I was starting a 30-year mortgage when they could've offered me another alternative. Both reps stated they didn't offer an alternative at that time in XXXX. I asked XXXX if a better solution wasn't with Rocket, why wasn't that discussed with me, or why wouldn't they send me elsewhere? My home should be paid off in 6 years, however another 30 years have been added just for tae cash out. I could've gotten a loan from anywhere with my credit score.

I mentioned to her, what exactly is the American dream if I am being set back to start over again on a 30 year mortgage, I don't understand how that's helping me with homeownership, or its a way for minorities to never own our homes. 

We are paying ten times over the house 's worth, and the escrow keeps rising, increasing the payments. 

Looking at the documents, I see my husband 's name is mentioned as being on the Deed ; however, to my knowledge, his name is not listed on the deed. I don't understand all the scratch-offs on the notary information nor all the fees that were charged back to me. I would like proof that he's on the deed. 

This relationship with Rocket Mortage was initially with Quickens Loans. I went to Quickens Loans from XXXX XXXX in XXXX with a balance of {$140000.00}, with 10 years for payoff, and now {$290000.00} within 30 years. 

I need some clarity and understanding. This is not the American Dream I was told about, and I feel I've been taken advantage of. I will most likely never own my home to leave to my family without debt. Minorities are set up to have generational debt, while others have generational wealth. I was a single Mom of XXXX, XXXX I did not give birth. This was the first home I purchased in XX/XX/XXXX ; now, I'm starting over when I just needed cash to upgrade my house. 

We must do better to help ALL. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX. 
To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process.


The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

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 2024-10-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I woke up this morning ( XX/XX/year> ) and see an email saying my account is lock due to suspicious activity, and that my phone number and gmail is removed from my XXXX  which I didn't make that action. I call this morning to ask for unlock and Chase tell me my account is close permanently, they refuse to tell me why and I'm sure I didn't make any suspicious payment. Basically my account is close for no reason, I have no clue at all why or what's the transaction that cause this problem. I'm a student and I really need my money to survive, I can't wait for 20 days to receive my fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/year> I contacted XXXX at approx. XXXX XXXX. about a breach on my account showing several charges from a XXXX debit card ending in XXXX that was opened in my name. All of the charges were made in XXXX. In addition, XXXX sold my XXXX shares in the amount of {$900.00} without my knowledge or authorization. The agent opened a file to dispute all charges including XXXX in the amount of {$850.00} that was declined and not processed minutes before they sold the XXXX shares. 
The agent then turned me over to another agent who assured me that no other transactions would be processed, and the XXXX sale would be refunded. On XX/XX/year>, I received an email from PayPal denying my case based on their review stating they found the XXXX transaction to be consistent with my payment history. I wrote to PayPal requesting documentation used in their investigation and have not heard from them. Basically, they are blaming me and through other conversations with them, asking if a family member has access to my account and if I have any XXXX devices. Emphatically, the answer is no on both questions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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 was really taken aback to see incorrect accounts on my credit report this afternoon, and Im clueless about how they got there. I routinely check my report, and everything has been fine, so finding these errors out of the blue left me shocked. I even refreshed my browser, hoping it was a mistake, but the inaccuracies remained. Now, Im asking that my documents be reviewed carefully so that I can have peace of mind moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CO

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : items in dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX Late Payment : 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 Personal Information : Name XXXX XXXX XXXX Name XXXX XXXX XXXX Name : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As XXXX XXXX XXXX Also XXXX As : XXXX, XXXX, XXXX Former : XXXX XXXX XXXX Former XXXX XXXX XXXX Former XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CO XXXX XXXX Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) for unlawfully offsetting funds from my checking account ( account number : XXXX ) on XX/XX/2024. 

On that date, NFCU withdrew {$590.00} from my checking account to cover an outstanding balance on my credit card ( account number : XXXX ) without any prior authorization or notification. This action violates consumer protection laws, specifically the Fair Credit Billing Act ( FCBA ) and relevant sections of the Truth in Lending Act ( TILA ), which prohibit financial institutions from automatically seizing funds from a consumers deposit account to satisfy credit card debt without express or explicit permission. Additionally, Regulation Z, which implements TILA, underscores consumer protections against unauthorized debits from deposit accounts for credit obligations. This practice also appears to contravene the Consumer Financial Protection Act ( CFPA ), which empowers the CFPB to take enforcement action against unfair, deceptive, or abusive financial practices. 

Timeline of Events : XX/XX/2024 : Funds were deposited into my NFCU checking account XXXX XXXX  ) and immediately seized the same day by NFCU, without notification or authorization, to cover a credit card balance. This withdrawal was conducted before the credit card payment status had even completed processing. 
This unauthorized withdrawal has significantly impacted my ability to meet essential expenses, as I am currently unemployed and was relying on these funds to meet necessities. 
I have attached the following documents as evidence to support my claim : 1 ) Email notification confirming the deposited funds into my NFCU checking account.

2 ) Documentation of the subsequent payment NFCU made to the credit card account. 

I respectfully request that the CFPB investigate this matter and take appropriate action to compel NFCU to return the unlawfully offset funds to my checking account. Given the unauthorized nature of this offset, I request a full review of NFCUs policies on account offsets and their compliance with consumer protection laws. 

Thank you for your prompt attention to this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: NY

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am reaching out to dispute the information being reported by JPMCB Card on my credit report. JPMCB Card is inaccurately reporting the balance on this account, which does not reflect my actual payment history and current balance, thereby violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under the FCRA, creditors and credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in a consumers file ( 15 U.S.C. 1681e ( b ) ). Additionally, if a consumer disputes an item, furnishers of information are required to investigate and correct any inaccuracies, generally within 30 days ( 15 U.S.C. 1681i ). This misinformation has caused undue harm to my creditworthiness, as it incorrectly displays both late payments and an outstanding balance on a closed account. I am requesting the immediate removal of these inaccuracies from my report, including the elimination of any reported late payments and balance owed. Alternatively, I request the removal of the JPMCB Card account altogether from my credit file to resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: World Acceptance Corporation
State: GA

Complaint narrative:
Time and again I have approached XXXX about its negligence AND NOW, INDIFFERENCE AND FRAUDULENT REPORTING OF INFORMATION. An account WORLD ACCEPTANCE/WORLD FINANCE REPORTED XXXX YEARS AGO AT A BALANCE OF {$180.00}. THE ACCOUNT WAS CLOSED AND CHARGED OFF NO ADDITIONAL BALANCE WAS PRESENT FOR THE TERM OF 81 MONTHS XXXX, XXXX, and XXXX all allowed feloniously and fraudulently said company to report monthly an additional balance of XXXXXXXX XXXX XXXX XXXX XXXX monthly charged off balance resulting in today the balance being XXXX I disputed this via phone and dispute centers of the companies numerous times them to light of the Erroneously and fraudulently reporting on my credit file to date XXXX, Is the only company that has satisfactory relies their negligence and mistake and remove the company experience continues to modify disputes made investigation as well as had abusive statements to today change the status in history from charged off {$180.00} written off at {$180.00} and a past due amount of XXXX. To date I have asked for investigative details on how the allowance of this fraudulent reporting of occurred balance to a closed account has been allowed, resulting in numerous substantial injuries to my credit credit worthiness and personal and business lives as well. These tactics are abusive felonious fraudulent and deserve to be investigated fully, and the companies held responsible and made liable for my injuries from this abusive long standing injury and misuse of my credit report.

Company response to consumer: Closed with explanation