vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 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: PA

Complaint narrative:
This is to let you know that these accounts below have long been removed and deleted from the XXXX Credit Bureau. This has been reported and verified as an inaccurate and incorrect item, so please remove these immediately. 

XXXXXXXX XXXX XXXXAccount # : XXXX XXXXXXXX XXXX XXXXAccount # : 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 2023-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I filed a complaint with you already # XXXX against Gemini Trust XXXX my name is XXXX XXXX XXXX XXXX ID on Gemini is XXXX Since my complaint, GEMINI sent me instructions to move my crypto to another wallet, but their instructions are totally contrary to the restrictions they have put on my account. 

someone named XXXX keeps sending me instructions but I run into account restrictions everytime please help me I am despondant I spend {$11000.00} on XXXX units of XXXX XXXX USD. I have missed many chances to sell the coin because of blocked account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
XXXX, a subsidiary of Lakeview Loan Servicing, is servicing my mortgage and they offer what appears to be a customer support hotline at the number of XXXX. This number goes directly to an automated line, with the option to speak with a representative as needed. I called today ( XX/XX/2023 ) several times, at approximately XXXX XXXX  CT, and XXXX CT, and as listed on their website-- https : //lakeviewloanservicingXXXX, their center is supposed to be staffed between XXXX XXXX  - XXXX XXXX  ET M-F. However there is no ability to actually contact an individual, as both the path to speak to a representative to make a payment and reach out directly for assistance go to an automated response that " Our agents are unable to assist you '' with an automated disconnect of the call. I am having trouble interacting with their website and need human confirmation on whether a payment went through, so not being able to contact them is causing stress and frustration.

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 2023-12-01 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: CA

Complaint narrative:
After reviewing my credit reports, I saw some inquiries that I'm not familiar with. I don't ever recall authorizing any of these inquiries to pull up my report. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had used the VA Home Loan, and it required work to be done before I moved in, but the work wasn't done then and so it was left to me. The VA required the owner to put up for an estimated {$5000.00} and XXXX, so around {$7500.00} for all repairs. One contractor was to do all the work for around {$4500.00} except going over for the driveway replacement slabs. That handyman went missing and so the work was not finished by him. I had other contractors finish the work that I paid them with checks and was to send the invoices to the lender for reimbursement. The problem is that the lender paid out the one contractor that went missing for the full price and settled the account when he had not finished, and I had not sent in the invoices from the other contractors to finish the work. I need the lender to cancel that check, which won't be cashed, and repay me for the invoices of the contractors that finished the work.

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 2023-12-01 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: CA

Complaint narrative:
I have previously submitted a letter to the TransUnion bureau requesting the removal of certain inquiries and inaccurate address from my credit file. Despite this, the inquiries and inaccurate address detailed below persist on my credit report, thereby violating Federal Law. TheTransUnion bureauhas failed to adhere to the stipulations outlined in the Fair Credit Reporting Act, specifically under 15 USC sections 1681i, within the designated time frame. The continued reporting of unconfirmed information is not in compliance with the regulations. I urge TransUnion to promptly remove these inquiries and inaccurate address entirely from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Improper use of my credit report removed the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
MIDLAND CREDIT MANAGEMENT continues to send me letters stating that I owe them a debt. I have informed them in writing that I am not refusing to pay the debt but I am not aware of having an account with them. I have asked them to provide me with a signed contract between them and myself so that I can ensure that I am not a victim of identity theft. They responded telling me if I don't believe the debt is mine for me to file an identity theft report, which I have done. I am still receiving letters from them offering me a discounted fee, but they still can not provide me with the evidence that I have an account with them. The last letter says I have been pre approved for a discounted rate, and I want to know how I was approved, was my social security number ran, without my permission? This company seems very fraudulent because they can't provide me with proof that I have an account with them, but they continue to offer discounts on the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Dear Consumer Protection Agency, I am writing to file an urgent complaint against Acima Corporation, detailing my recent experience with a lease agreement initiated on XX/XX/, for the purchase of two tires. 

On XX/XX/, I attempted to make a payment of {$880.00}, the total payoff amount, which was unsuccessful. Subsequently, on XX/XX/XXXX XXXX XXXX I encountered a technical glitch in Acima 's automated system, preventing me from completing the payment. Unfortunately, the office was closed, leaving me unable to address the issue with a live agent. 

After reporting the error on the next business day, I was informed by Acima that an additional {$100.00} would be required to process the payment. Despite my objections that this penalty was unjust due to the system error, I was offered the option to extend the due date for an additional {$100.00}, which I declined at that time. 

Following discussions with a supervisor, I was instructed to provide bank statements to verify fund availability. I explained that my bank statements would not be available until the end of the month but promptly sent screenshots as a temporary measure. Despite my efforts, the account balance to pay off the lease increased to {$1100.00} during the dispute period. 

Upon the resolution of the dispute, I provided Acima with the necessary bank statements, including a letter confirming the XXXX transfer. Regrettably, Acima did not honor the original payoff amount of {$880.00} and is now charging an additional lease interest fee of {$1100.00}. This drastic increase is unjust, especially given the ongoing dispute. 

I am seeking your assistance in resolving this matter and request the following : An immediate reversal of the additional lease interest fee of {$1100.00}. 
A confirmation of the original payoff amount of {$880.00}. 
An acknowledgment of Acima 's error and assurance that measures will be taken to prevent similar situations in the future. 
A written acknowledgment and assurance from Acima regarding their commitment to fair and consumer-friendly practices. 
I believe that the Consumer Protection Agency plays a crucial role in safeguarding consumer rights, and I trust that your intervention will lead to a fair and just resolution. I request your prompt attention to this matter and anticipate a response within [ reasonable timeframe, e.g., 15 business days ] from the date of this letter. 

Thank you for your commitment to consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Absolute Home Mortgage Corporation
State: NJ

Complaint narrative:
I applied for a 30year fixed rate FHA loan. There is a Mortgage insurance premium which you can pay at closing or you can finance it. Which increases your loan amount. 
Mortgage insurance premium in the amount of {$8100.00} was charged and paid at closing. 
Mortgage insurance premium was also rolled ( financed ) into my loan in the amount of {$8100.00}. 
Lender locked an interest rate for this loan at 7.25 percent and also charged me {$7100.00} for discounted points but rate was never reduced. This was also paid at closing. I paid {$20000.00} for down payment and had a sellers concessions in the amount of {$15000.00}. Which is a total of {$35000.00}. FHA only requires 3.5 percent down payment. 
Only XXXX went towards my downpayment. 

Purchase price is XXXX My loan amount is XXXX this includes {$8100.00} for mortgage insurance premium which was already paid at closing. 
Sellers credit in the amount of {$1400.00} was also given but not needed. To cover closing cost. 

Title company confirmed that all these fees were paid at closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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:
At Trans Union i have a good standard in my credit, in XXXX i have a XXXX score trans union shows me at XXXX, i had paid my car off, i have no late payments on my car because it was payed they offered me a payoff we did i gave them what they offered and there wasnt going to be any problems with my credit, i stand a very low score in my trans union when my other credits are much higher, i had a score of XXXX, why is my score so low with trans union when the other creditors have me much higher, XXXX XXXX XXXX told me were my payment was made i wouldnt have a problem but my score is very low in trans union.

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
For a few years now, I've tried to reach out to Capital One on a few separate occasions to find out why I'm being charged for cash advance fees but no response from dispute team. Couple years ago between XXXX till now, I noticed that I'm being charged every month for cash advance fees because I am sending money through third-party ( XXXX ) to families and friends. HOWEVER, prior to that I was never charged for cash advance fees using XXXX. 

The only thing I'm asking for Capital One to do is explain when they started to charging cash advance fees for third-party. Was there an update on their policies? Why didn't I receive an email or letter confirming this change? Has it always been a charge to use third-parties, if so, why was I never charged once while using it prior?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
XXXX Mr Cooper loans of XXXX. I closed on a loan with XXXX XXXX, made XXXX payment. XXXX was sold to XXXX. Setup payment by providing by XXXX information as no other choice was offered. Months later, XXXX was hacked. XXXX shutdown for over a week. I called to ask that they sell my loan, they will not provide person to discuss with. Asked them for address of legal counsel that I can serve them with lawsuit. Will not provide address. Asked to speak to XXXX, rep claimed he did not know who. I did not choose this company and they have no business being in this business with all the problems. Good companies dont get hacked. They operate cheaply, had their phone system off during the outage with no way to contact them. Communications regarding the security of my information are disregarded. Spend XXXX hour on phone today just getting the run around. I would like sufficient information on them to begin a class action suit. I want my information secured or my loan sold to a credible provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not provide explicit written or permission for these companies that are listed below to report any information that you have on record. My rights and my privacy are being violated. I am demanding that you follow the laws 15 usc 1681c-2 which state that these accounts must be blocked and remove any information that I have identified as the result of identity theft. These accounts must be removed within 4 Business Days of receipt. 

XXXX. XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX I send Experian a affidavit, FTC form , a copy of my social security card and copy of my id

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 2023-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
THE COMPANY XXXX XXXX XXXX CONTINUES TO INQUIRE INTO MY CREDIT FILE WITHOUT MY PERMISSION, UNAUTHORIZED ACCESSING MY CREDIT FILE CAUSING HARD INQUIRY. I BELIEVE THEY ARE STEALING MY PERSONAL INFORMATION FOR SELL. I HAVE PLACED NUMEROUS FRAUD ALERT ON MY CREDIT FILE, AND MODERN FINANCE INQUIRES INTO MY CREDIT FILE EACH YEAR MY FRAUD ALERT EXPIRES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: CA

Complaint narrative:
I have previously submitted a letter to the TransUnion bureau requesting the removal of certain inquiries and inaccurate address from my credit file. Despite this, the inquiries and inaccurate addressdetailed below persist on my credit report, thereby violating Federal Law. TheTransUnion bureauhas failed to adhere to the stipulations outlined in the Fair Credit Reporting Act, specifically under 15 USC sections 1681i, within the designated time frame. The continued reporting of unconfirmed information is not in compliance with the regulations. I urge TransUnion to promptly remove these inquiries and inaccurate address entirely from my credit report. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-12-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
y recived a copy of my credit report and i noticed 3 accounts the are 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 2023-12-01 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: FL

Complaint narrative:
Until XX/XX/2021 I was not provided with promised services i.e. I did not receive data correctly at my home per my XXXX, wireless contract and agreement. Therefore, services I was paying were not being rendered and breach of contract occurred. I tried repeatedly to correct the service with XXXX through various departments including tech, to no avail. I left them in frustration finally. I tried to negotiate the amount due because these services were not delivered. They were nasty and mean and preyed upon my hardship during the pandemic. Ultimately they sold the debt to XXXX XXXX XXXX, and this is who I paid and now have a XXXX balance. In essence, XXXX, equifax, and XXXX XXXX are report negatively for an exorbitantly punitive amount of time! When infact, the information on these reports is inaccurate -XXXX is not the collection -which is why it should be deleted from all XXXX agencies immediately. Someone help here. Seriously, how is this legal. I have right in the Fair credit reporting act and they are being violated. Innacurate information and phone calls at inappropriate times. XXXX and XXXX last night was the most recent from the XXXX level of XXXX because I have made complaint with the FTC XXXX XXXX XXXX State Attorney and the XXXX I was definitely harassed last night because the situation and the effort this must be deleted! It definitely not fair and definitely not accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: FL

Complaint narrative:
Until XX/XX/2021 I was not provided with promised services i.e. I did not receive data correctly at my home per my XXXX, wireless contract and agreement. Therefore, services I was paying were not being rendered and breach of contract occurred. I tried repeatedly to correct the service with XXXX through various departments including tech, to no avail. I left them in frustration finally. I tried to negotiate the amount due because these services were not delivered. They were nasty and mean and preyed upon my hardship during the pandemic. Ultimately they sold the debt to XXXX XXXX XXXX, and this is who I paid and now have a XXXX balance. In essence, experian, XXXX, and XXXX XXXX are report negatively for an exorbitantly punitive amount of time! When infact, the information on these reports is inaccurate -XXXX is not the collection -which is why it should be deleted from all XXXX agencies immediately. Someone help here. Seriously, how is this legal. I have right in the Fair credit reporting act and they are being violated. Innacurate information and phone calls at inappropriate times. XXXX and XXXX last night was the most recent from the XXXX level of XXXX XXXX I have made complaint with the FTC XXXX XXXX  XXXX State Attorney and the XXXX. I was definitely harassed last night because the situation and the effort this must be deleted! It definitely not fair and definitely not accurate!

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 2023-12-01 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: FL

Complaint narrative:
TransUnion has incorrect and inaccurate information on my consumer report. For instance, they have third part collection companies as verifying information on my report. I've never done any business with XXXX XXXX, XXXX Resolutions investments, and XXXX XXXX XXXX ) as verifying information on my account. I have NEVER done business with any of those companies, neither did I authorized the original creditors to sell my information to these third party companies. I requested validation of debt from those companies over XXXX now, and I am yet to receive the requested information.

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