vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My home was destroyed by fire from a lightning strike. My insurance company has provided the settlement check and the mortgage lender withheld an amount equal to the balance of the mortgage, I understand this and I'm not contending against it. My main issue with the lender is the very poor communication. I'm in the middle of rebuilding my house and I have to make draw payments monthly to the contractor. Their policy is to not start releasing the funds from the escrow account until it has reached 75 % of the rebuild. I feel that is unreasonable. But that being said, how do they determine 75 %? How much will they release at that time? How often will they release funds? I need specific numbers and they are refusing to provide them even though I have provided everything they have requested. I have had multiple phone conversations and multiple email conversations. The responses I get change depending on who I'm speaking with. Their responses are very slow. I need to schedule my payments to the contractor. I need to know when and how much those payments will be. Vague answers from the lender do not help. I need a competent representative from the lender to stay in communication with me through this process. Additionally, again they should not need to wait until 75 % of the rebuild to start releasing the 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 2024-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I need the lady that called me on XX/XX/XXXX to call me back to give me details on my check that she said i will be receiving in 7 days. I need to know if or when it will be sent. I'll be sending complaints until i receive word of my check coming.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I dont give written consistent for any credit reporting to report to any credit agency or charge a transaction. I do not recall opening let alone speaking to anyone with sprint! This is fraudulent activity on my credit! 
Law codes : 15 USC 1681 c-2 1861 a ( d ) 2 ( a ) ( i ) This needs to be removed immediately! My credit has dropped and I have no acknowledgment about this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-22 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: PA

Complaint narrative:
I reviewed my credit report and noticed that multiple over 30 day late payments were reported on an account of which specific payments were not over 30 days late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I was not over 30 days late on these payments reported by XXXX XXXX, account XXXX between the years XXXX and XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be.

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 2024-02-22 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: PA

Complaint narrative:
I reviewed my credit report and noticed that multiple over 30 day late payments were reported on an account of which specific payments were not over 30 days late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I was not over 30 days late on these payments reported by XXXX XXXX, account XXXX between the years XXXX and XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be.

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 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX  and XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to fraudulent investment firm ( s ). 

My funds were transferred to the scammers XXXX wallet below : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This incorrect late payment on my account is causing me considerable pain, especially given my accurate payment history. I would like you to correct this error immediately by removing it from my account as it does not accurately reflect my payment habits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
Received a letter from debt collector Transworld System INC dated XX/XX/2024 for medical services from XXXX XXXX XXXX XXXX for amount {$290.00}. I have never been in XXXX in my entire life or have I ever been received any services from them online of any kind. This is totally a fake bill, fabricated by Transworld System.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: Continental Finance Company, LLC
State: NC

Complaint narrative:
Account not mine

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 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX and XXXX I was a victim of identity theft. Someone got a hold of my personal information and started making transactions through the XXXX app. They also used my debit card to make purchases at XXXX. The amount transferred through XXXX was {$4500.00} and the transactions at XXXX totaled to {$1400.00}. On XX/XX/XXXX I noticed my account being debited to negative amounts, I called to file a claim of fraud activity on my account. On XX/XX/XXXX after speaking with a few employees from Citizens Bank explaining my situation I was finally allowed to file a fraud claim to retrieve the money that was taken from me, both from XXXX transfers and the XXXX purchases. On XX/XX/XXXX I received a determination letter from the Citizens Bank fraud department stating that they can not credit the money back into my account because there is evidence that I was the person making the transactions which is not true, I am a victim of identity theft. Upon further examination of the letters I realized that the claim I put in over the phone for the XXXX transactions was not even processed and I only got a determination for the XXXX transfers. Upon receiving the determination, I called to re-open the claim and to see any documentation that led to the decision made. I was told that someone would call me and go over the evidence and see if they could do anything to help right after I re-opened the claim, but nobody called. The employees at Citizens Bank literally left me stranded. Instead of taking responsibility and following their own terms and conditions they made personal judgment and decided not to help me initially as if they were trying to cover something up. I think they initially decided not to file my claim for the XXXX purchases then waited to send me a determination knowing that I have 14 days to file a claim of unauthorized activity. The date on the letter says the XXXX of XXXX but I received the letter on the XXXX of XXXX it does not take 7 days for a one-page letter to go through the mail. This conclusion has brought me to CFPB to settle my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Someone in USA is using my identity with capital one auto loan or credit card, I get statements every month from capital one asking me to pay of arrears are it will go to court. They are using my email address and my name. I have sent emails to capital one telling them about this. Its affecting my credit score as I can not get credit or loans. I would like my life back and not the stress this is causing me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This incorrect late payment on my account is causing me considerable pain, especially given my accurate payment history. I would like you to correct this error immediately by removing it from my account as it does not accurately reflect my payment habits.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-22 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-22 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I did not authorize them to run my credit

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 2024-02-22 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: FL

Complaint narrative:
I notice an error on my credit report from a company called XXXX. I reached out to the company because they had reported that my account was over 60 days late which was not accurate. I immediately filed a dispute with the credit bureaus explaining that the information of my report was inaccurate. I wrote a letter asking for the information be correct and provide proof about the inaccuracies. At first XXXX fixed the error but last week put the inaccurate information back on my report. Equifax as never fixed the error and stated that the information was accurate. I asked for copies of the investigation to see why they said the information was accurate. I have yet to receive anything. It has been two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I had fraud on my account and and {$600.00} was taken out of my account ( closed now ) I cant get the dates when it actually happened. The guy disputed transactions on my account dont know how this person had access to my account once he disputed the funds were available and he took the money. BofA reimbursed me then yesterday they took {$590.00} out of my account in which I had No idea they were going to do this! This is fraud 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 explanation
Consumer complaint received 2024-02-22 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: TX

Complaint narrative:
On XX/XX/XXXX, a hard inquiry from XXXX appeared on my TRANSUNION 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 2024-02-22 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:
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 2024-02-22 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
I have been trying to register a new account with Mohela since they forced all users to register new accounts due to creating a new website. I have not been able to create an account as each time I am unable to get past the username and password creation page, I get the same error screen, come back later page. 
This has been going in since at least XXXXXXXX XXXX XXXX ( perhaps even before then ), and when I called I was told to simply wait. 
I have tried different browsers ( XXXX XXXX XXXXXXXX ), different devices, clearing cookies, restarting devices, etc. NOTHING HAS WORKED. 
Today, XX/XX/2024 I called for the XXXX time in the since XXXX trying to get the issue resolved. 
When I asked about assistance in creating an account I was told this was not allowed. 
When I asked how I would make upcoming payments if I am not able to get this issue resolved, and I was told to simply wait and the issue would possibly be solved by then. if not, my account may go into deliquency. 
It is absolutely unacceptable to punish the client for the mistakes Mohela has made in creating a faulty website. I am doing the best that I can to pay my loans off on time, and am unable to do so because of Mohela forcing its users to create new accounts, using a website that clearly does not work as it should.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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