vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
There was an error with the AMEX app on XX/XX/XXXX. I keep my credit card balance to XXXX DAILY meaning, I calculate and cross check to see that each transaction matches each payment. When the system went down on XX/XX/XXXX, I was charged XXXX times for the same payment. I was reimbursed for XXXX, but the other XXXX was taken out of my bank. That's fine but that additional duplicate payment WAS ( IS ) not reflected on my current statement. I therefore am being overcharged for XXXX  that was taken out of my bank account without my permission. No one has gotten back to me yet about this. It's very easy to cross check my credit card payments to my transactions. This is a human error and can easily be reviewed to see that they are charging me more than I paid for. This has never happened to me with any other company. It happened because of a system outage and now I have wasted so much time and energy to figure out what happened. No apologies yet either. If I hadn't checked one by one, I would've paid more than I needed to. I don't trust AMEX now because I feel this could've happened to me before but I just was too busy to keep track of it. This would've also gone unnoticed if I had to pay every month 's statement in full. Luckily I pay by transaction so I can see what exactly I'm paying for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-03-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My account was compromised.I never received my card. charges where made using the card and I had no involvement in I noticed Bank of America several times and disputed transaction several times times with out the situation being rectified I just dont know what to do and cant afford a loss of this magnitude please help 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 monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX 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 explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cascade CISS Holdings, LLC
State: NJ

Complaint narrative:
this company supplied misinformation to credit agencies ; the info was wrong and incorrect, and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: DC

Complaint narrative:
XXXX XXXX XXXX provided me inaccurate information throughout the mortgage modification application process. I was told to wait to make a payment until I knew what my loan modification options were. I followed this guidance. Then XXXX reported to the credit bureaus that I was XXXX days overdue and my XXXX XXXX dropped XXXX points. I have been trying to get this corrected because I was only following the damaging misinformation XXXXs  loss mitigation team provided me. XXXXs XXXX  client relations has been looking into it for over a month and has not provided me an update. They promise me calls and then do not call when they say they will.

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 2024-03-18 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: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX provided me inaccurate information throughout the mortgage modification application process. I was told to wait to make a payment until I knew what my loan modification options were. I followed this guidance. Then XXXX reported to the credit bureaus that I was XXXX days overdue and my credit score dropped XXXX points. I have been trying to get this corrected because I was only following the damaging misinformation XXXXs loss mitigation team provided me. XXXXs XXXX client relations has been looking into it for over a month and has not provided me an update. They promise me calls and then do not call when they say they will.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX Loss Mitigation provided me inaccurate information throughout the mortgage modification application process. I was told to wait to make a payment until I knew what my loan modification options were. I followed this guidance. Then XXXX reported to the credit bureaus that I was 120 days overdue and my credit score dropped XXXX points. I have been trying to get this corrected because I was only following the damaging misinformation XXXX loss mitigation team provided me. XXXX executive client relations has been looking into it for over a month and has not provided me an update. They promise me calls and then do not call when they say they will.

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 2024-03-18 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: NJ

Complaint narrative:
Please take urgent action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me significant distress.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: NE

Complaint narrative:
In XX/XX/XXXX, Rocket Mortgage said my payment was late. I mailed payment XXXX and a half weeks before. The check was deposited the first business day after late fees were charged. I took the lateness as being holiday season and let it go. Then on XX/XX/XXXX I got an email saying late fees were going to hit again because of no payment. I made payment online to avoid late fee. On monday XX/XX/XXXX I called Rocket Mortgage to find out what would happen to the check I sent since I made payment online. They said it would be credited to next payment but I did not have funds to cover XXXX payments and Rocket said they would refund in XXXX to XXXX business days. SO I would be without funds for that long so I called my bank and put a stop payment on it. I told the lady that I bet you cash check today since it was after late fees kicked in. Well surprise surprise they tried cashing check that day ( XXXX ). I called Rocket again and asked why they are holding my checks till after late fees kick in, they said they dont. It has happened twice now in 4 months. I mailed check on XX/XX/XXXX, XXXX weeks later they get it. The check is mailed to an address in XXXX XXXX, IL. I also send to credit card payment at the same time to XXXX XXXX. Those checks clear within a week ( in XX/XX/XXXX and XX/XX/XXXX ). So I know the check is getting there in plenty of time. Rocket Mortgage is holding checks till after the late fee kicks in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. 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 2024-03-18 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: FL

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. 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 explanation
Consumer complaint received 2024-03-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In early XXXX I requested that this company provide verification from the court and removal of bankruptcy accounts from my report. The company has inaccurate information on my report still not provided any information from this request. According to them they are still investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: LEXISNEXIS
State: IL

Complaint narrative:
In early XXXX I requested that this company provide verification from the court and removal of bankruptcy accounts from my report. The company has inaccurate information on my report still not provided any information from this request. According to them they are still investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: NY

Complaint narrative:
To whom it may concern : I received a copy of my XXXX  XXXX, TransUnion credit report, and noticed 25 late payments that need to be deleted. It is as follows : Creditor Name : XXXX XXXX  Account number : XXXX Creditor Name : XXXX XXXX XXXX Account number : XXXX Your agency has violated my consumer rights and violated federal law ; I have proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below.

15 USC 1681b ( 2 ) - permissible purpose of consumer reports. THE LAW CLEARLY STATES : IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

I did NOT give your agency written authorization or written instructions to report this information.

You have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft and I've sustained defamation of my character, just to name a couple damages should this matter escalate to court.

XXXX, XXXX, and TransUnion have violated my consumer rights as well, which is noted below.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of defamation of my character and they have committed aggravated identity theft, because I did not give them written permission to report this information. Which is a violation of 15 USC 1666b.

15 U.S Code 1681a ( 2 ) ( a ) ( i ) Definition ; rules of construction ( 2 ) Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You're not following federal laws and that's a violation. It clearly states that with this law as well, I am demanding you to delete the above late payments from my consumer report.

You have 14 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report or I will be seeking legal action against your agency for these damages. 

Best regards, 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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Over a week ago, I contacted all 3 credit agencies to unfreeze my account so that I can buy a house. XXXX and XXXX had it done in an hour. TransUnion has passed me from person to person, lied to me and said the account wasn't frozen, told me to fix it online and it's the only way to fix the problem. Gave me a wrong email address to send my SS # and DL #. I have sent the information to them over a week ago and my account is still locked and the lender can't access. I am going to lose the house to a backup contract if it's not fixed by Friday. No one will help me. I have called at least 6 different numbers and over 10 times and have gotten no help to unfreeze my account. They will not help me or give me any information on who can help. This company is holding my information hostage because they are incompetent and refuse to 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 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
i would like to file complain with BMO bank, for holding my refund and not releasing it back to my acct. even when merchant successfully refunded me, this is not the first time i have encountered this with BMO holding my money & not releasing, this particularr refund /transaction was cancelled & refunded on XX/XX/XXXX, according to XXXX XXXX XXXX & everyday i see the amount pending & BMO system keep 's changing the date of the transaction to hold the refund longer .i will attached proof below amount is {$850.00} date of the transaction XXXX XXXX refunded-march XXXX same day & cancelled by XXXX XXXX XXXX XXXX online banking show 's inaccurate date the said transaction and as fallow 's XXXX XXXX amount {$850.00} PENDING XXXX XXXX amount {$850.00} PENDING ( previous date & original transaction was changed to XX/XX/XXXX. ) i will attached proof below note that this incident has been happening with my acct specially when i have a refund not the first time & refund from them ( ( BMO Bank ) take 's forever sometime 's week 's to resolve until we file and escalate the issue & thats the only time that the bank will do something to released the money.

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 2024-03-18 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: NY

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief