vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: IL

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My grandmother is on her death bed went to XXXX XXXX XXXX XXXX during XXXX vacation to help my grandmother and visit one of my sisters in XXXX XXXX spend XXXX. I left my nanny and chef in my home told them not to have anyone in my home while Im gone. I return home afther XXXX My nanny XXXX XXXX and XXXX XXXX was fired due to I left my my two bank cards Buisness phone and ID in my drawer in my bedroom and money was missing from my Navy Federal account and my other banking with another bank.. When asked come find out it was my nanny son birthday and they given him a birthday party in my home while I was gone. Had over 20 people in my home. So I called navy federal my other banking gave me final credit didnt need police report 7 hours later in my account. But with Navy Federal credit union I have problem now. Called fraud department reported. Was sent email no error occurred. Call back was told I need to get police report. Called 3 to four times my police report wasnt attached to my fraud claim. Didnt know I needed one when I first put in the claim. Anyhow had to wait XXXX XXXX for appeal it said same thing. Got hung up in my face from fraud department she said no document was attach XXXX XXXX. Around XXXX. Called back talk to supervisor said they cant reopen my case I need more documents told him I was hung up on earlier. This is unfair and not right my money is stolen. I never had problems with navy federal till now. Ive called numerous of times I was told when I got first email of appeal denial that it was to quickly was error that happens sometimes. This is misunderstanding here. My money is stolen and gone I been good client never had problems this is my first claim. My other banking giving me final credit didnt need police report. Im told I need more documentation to reopen my appeal or it remains closed. XXXX this is wrong I did nothing wrong to deserve this type of treatment here. I want my money back that was stolen is all Im saying Im victim of fraud my staff was fired behind this. Its unfair was hung up on and yelled at and the lady was rude today had call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: Credit Karma, LLC
State: KY

Complaint narrative:
Yes, on XX/XX/XXXX my posit was went into my account from Credit Karma that was closed. Have my money even get into that account. If that count is closed and now theyre not even saying anything thats going on with my money they close my account without me even know

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer

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 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim. Also you have no legal standing to collect in Alabama or New York. This is a cease and desist!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
please see attached file

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 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my credit cards ending in XXXX, XXXX, XXXX in late XXXX 2024. My credit cards were subject to unauthorized activities during that time. And I attached evidence to this complaint showing that my passwords, online banking access, as well as a sheet containing my credit card numbers have been compromised. Instead of protecting cardholders who have established long-time relationship and shown great loyalty, Bank of America chose to close all their card accounts, despite the fact that I, as the cardholder, am by no means at fault here. Evidence includes : 1 ) XXXX XXXX certifies that bad actor hacked into my account and stole my points, 2 ) XXXX XXXX notified me that hacker attempted to log into my frequent flyer account and answered the security question incorrectly, XXXX ) XXXX XXXX XXXX detected passwords leaked in the dark web, and 4 ) XXXX XXXX  notified me that hacker attempted to change my password.

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 2024-02-23 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 am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-02-23 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In XXXX 0f 2023, my wife and I went on a cruise. We left out of XXXX to XXXX and then to the cruise. Upon returning, albeit months later, we discovered that someone stole mail from our old apartment and created fake identities to open up fraudulent accounts in my name. The accounts were opened at Ulta ( Commenity Bank ) and XXXX XXXX ( XXXX XXXX ). My credit dropped from the XXXX to under XXXX and I immediately filed disputes with XXXX, XXXX and XXXX, all on XX/XX/scrub>XXXX XXXX, 2023, with the expectation they would be removed. I was shocked to receive confirmations from the credit bureaus saying that both companies validated the accounts. I called XXXX and was transfered to an identity theft specialist. They told me that I should have chose " Identity Theft '' instead of " Account not Mine '' and walked me through how to refile this and how to file a report with XXXX  and a police report. My wife and I went to the stores where the accounts were opened and spoke to employees at both who verified that it was theft, then filed an official report through www.identitytheft.gov and filed a police report. We also froze my credit at all 3 bureaus and locked all future credit and added statements to the reports. However, despite it being nearly 9 months later and after speaking with the companies, XXXX, XXXX and XXXX, the accounts are still reported as late and the banks are telling us that we need to pay. We can not buy a new house or get a new lease on our car because of this. When someone slips through the cracks of these big agencies, their lives can be negatively impacted and be forced to deal with financial implications that are beyond their control, and they are not held accountable. I ask that someone gets us the help that we deserve and take it upon themselves to correct this incredible error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX  0f 2023, my wife and I went on a cruise. We left out of XXXX to XXXX and then to the cruise. Upon returning, albeit months later, we discovered that someone stole mail from our old apartment and created fake identities to open up fraudulent accounts in my name. The accounts were opened at XXXX  ( XXXX XXXX  ) and Kohl 's ( Capital One ). My credit dropped from the XXXX to under XXXX and I immediately filed disputes with XXXX, XXXX and XXXX, all on XXXX XXXX 2023, with the expectation they would be removed. I was shocked to receive confirmations from the credit bureaus saying that both companies validated the accounts. I called XXXX and was transfered to an identity theft specialist. They told me that I should have chose " Identity Theft '' instead of " Account not Mine '' and walked me through how to refile this and how to file a report with XXXX  and a police report. My wife and I went to the stores where the accounts were opened and spoke to employees at both who verified that it was theft, then filed an official report through www.identitytheft.gov and filed a police report. We also froze my credit at all 3 bureaus and locked all future credit and added statements to the reports. However, despite it being nearly 9 months later and after speaking with the companies, XXXX, XXXX and XXXX, the accounts are still reported as late and the banks are telling us that we need to pay. We can not buy a new house or get a new lease on our car because of this. When someone slips through the cracks of these big agencies, their lives can be negatively impacted and be forced to deal with financial implications that are beyond their control, and they are not held accountable. I ask that someone gets us the help that we deserve and take it upon themselves to correct this incredible error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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 XXXX5 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 2024-02-23 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:
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 explanation
Consumer complaint received 2024-02-23 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: LD Holdings Group, LLC
State: NM

Complaint narrative:
I received my XXXX 1098 which showed a payment total for hazard insurance in the amount of {$7200.00} and an adjustment from {$1800.00} for my monthly loan amount to {$2000.00} to pay the difference. I immediately contacted LOAN DEPOT both via phone and via email in late XXXX, with multiple follow ups throughout XXXX. 

However, I was never properly notified of the amount of the placed forced insurance, receiving on letter stating it would be around {$3000.00}. Yes, I had XXXX months of overlap and got insurance coverage in XXXX, however per CFR I should have been refunded the difference but only was refunded just over {$2000.00} ( which, is not reflected on my payout amount difference on my escrow statement ; it still shows the {$6100.00} ( for forced insurance ) and {$1100.00} ( for insurance I purchased ) approximate amounts, totally {$7200.00}. 

I have gone around multiple times trying to explain this. My tax information reflects the correct amounts ( approximately ) of the actual payout minus supposed refund, which is {$4600.00}. 

In response to why I was charged over {$6000.00} for insurance, they stated they had not proof of cover from XX/XX/XXXX - XX/XX/XXXX ( which they did receive in closing ). Again, I NEVER received a letter or notification of this ; they just added the coverage. In response they also said they are still trying to get ahold of the insurance company, but haven't been able to? I have copies of all correspondence. LOAN DEPOT has taken complete advantage of me and I feel they think I am ignorant and incapable of following up with this. They have been rude, placed undue stress on me, and are not willing to understand or assist. 

I know the rules and regulations per CFR and what they are required to inform me of and when, and they have been negligent hoping this goes unnoticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I learned of this account upon checking my credit reports. I have attempted to dispute the debt. However, it continues to be noted as verified. XXXX  in particular seems to be using internal practices to prevent my disputes from being processed completely. This occurrance is a recent as today. My most recent dispute read as follows : Your firm has violated provisions of the FDCPA by implying the legal status of the debt is collectible ; by reporting the alleged debt to the credit bureaus. [ 15 USC 1692e ] Please remove this account immediately.

My position is one, I was completely unaware of this account. Two, I am unaware whether or not this account belongs to me, and furthermore, according to the information provided on my credit report the original creditor account of the alleged debt is out of the statute of limitations, and this appears to be an attempt to collect on zombie debt. Absent of adequate documentation to prove in court that this entity has a legal right to report this negative information on my credit report, they are in violation of the Fair Credit Reporting Act as well as the FDCPA. Non-compliance may render this entity into serious litigation with the FTC and other governmental agencies. Under the FCRA and the FCRA, each violation is subject to a {$1000.00} fine payable to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: The J. G. Wentworth Company
State: CA

Complaint narrative:
On XX/XX/2024, I agreed to sell future payments totaling {$390000.00} for a purchase price of {$35000.00}, calculated at a discount rate of 9.79 %, which is greater than the IRS probate rate of 5.80 %.. J.G. Wentworth provided a {$2500.00} advance in XXXX but failed to deliver the remaining funds by the necessary date of XX/XX/2024. I communicated that if the rest of the funds were not provided by this date, I would not require the loan and wished not to proceed with the transaction. 
I Despite my clear instructions, J.G. Wentworth processed the loan beyond the specified date without my consent. Subsequently, on XX/XX/2024, I received a text message from J.G. Wentworth threatening to file a UCC lien against me if I did not return their call regarding the stipulated agreement. This action appears to be in violation of the California XXXX Fair Debt Collection Practices Act, which prohibits such threatening behavior in debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
The bank took triple payments when only one payment was due. I was advised in XX/XX/XXXX that the account was current and up today. I was told on XX/XX/XXXX that the account was current when I made the payment. Then when I spoke with the rude manager she advised that they took both XXXX and XXXX even though XXXX has not yet billed then she came back and told me I was past due. Even though I have been told every month that I call in Im current and not pass due. Im being told misleading information and they pull money from bank unauthorized and will not refund the full amount even though I am not doing anything wrong. I want the full amount of XXXX refunded and my account code as current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I first filed a dispute with the XXXX credit bureau, and also contacted the company both in XX/XX/XXXX. Affirm , Inc, the company stated they would investigate the matter, after I informed them that I did not open this account, and that I had been a victim of identity theft. XXXX, dismissed the dispute, stating the company stated the debt was mine. As a result as of XX/XX/XXXX, by credit score has been affected by XXXX points, and XXXX stated they would not investigate again. I never opened an account or signed any papers or online for an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
In the course of reviewing my credit report, I spotted erroneous and fraudulent accounts that need reporting and correction through your company.

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 2024-02-23 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: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
CENTRIC BANK Account type - Credit card Date opened - XX/XX/2019 Address Above Account created under CENTRIC BANK without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation