vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I was told that underwriting denied my loan due to the amount of reserves and there belief it was proceeds from a loan in spite of the fact I had provided more than enough documentation to show that the funds in my account were not from any loan. Additionally, I was told that I needed 3 months of reserves which I have demonstrated. In the processing of my application they failed apply the protections and or consideration of the XXXX XXXX XXXX XXXX as I showed them that I am a survivor on XXXX XXXXXXXX and the bankruptcy that filed was due to that XXXX XXXXXXXX. I should them documentation that I have paid 100 % of the debts in the bankruptcy and that it was in fact discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Throughout the history of this account, I've consistently maintained timely payments, ensuring they never surpass the due date. The appearance of late payment remarks on my accounts leaves me puzzled. Referring to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I used my card at XXXX XXXX XXXX XXXX store in the XXXX. The store charged me {$6000.00}. After the sale I went back to the cruise ship and saw that there was no returns on the items I bought. The sales person told me that I had 30 days to return the items. They were sending the items to me at my home. I had no phone service on the ship. When I got back to the states I called Capital One and they had flagged my card saying it was still open in the XXXX and I needed to close out the card. That is when I realized my card had been over drawn. I told Capital One that I wanted to file a dispute. They told me what to do and sent me a site where I could download my receipts and all my info. They told me they would be in touch with, XXXX by email. I told them I could not get into the app on my phone. I kept checking my phone and nothing. On XX/XX/XXXX I called Capital One and they told me the info I had sent was to small to read. I told them the file they sent me would not take all my info unless I shrunk it down. They said this was the last day to file. I got all the info and fax it to them. I called Capital One the next day and they told me I filed to late and there was nothing they could do for me. I told them I had nothing to show for the {$6000.00} that was on my card. I told them I didn't understand why they let the transaction go through as it was over my credit limit and also that they had flagged my card. They told me they would check into things and get back with me. I waited and called again and was put through to the fraud expert she was not very nice and I told her I had not raised my voice or got ignorant with her. I called again the next day desperate. This time I got someone who said he would help me. He gave me a number to call the company and it was a non-working number. Again I heard nothing. The last time I called I told them I was going to take this further. The woman told me she would do a three way call with the business. I did not feel comfortable with that. I need help and I don't know where to go for it. I have a credit card bill for {$6000.00} and nothing to show for it. I just want the money to be taken off my Capital One Master Card bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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:
XXXX XXXX is in direct violation of FCRA Section 6802 ( a ). A financial institution may not, directly or through any affiliate disclose to a non affiliated third party any non personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information is initially disclosed, to direct that such information not be disclosed to such third party : and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative information without notification and consent of the consumer. XXXX XXXX failed to inform Principal that it would be reporting Principals nonpublic personal information to a third party and failed to get Principals Permissable Purpose - 15 U.S.C.1681 ( a ) ( 2 ). Exclusions Except as provided in paragraph ( 3 ) the term consumer does not include ( i ) report containing information solely as to transaction and experiences between the consumer and the person making the report. XXXX is illegally reporting this tradeline regarding transactions and experiences vioting principals rights under the FCRA and could be held for Fair Debt Collection Practices Act as well. I demand thus account be removed immediately.

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 2024-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group
State: DE

Complaint narrative:
On XX/XX/2021 Waterfall Revenue Group reported a collection account to XXXX, XXXX and XXXX Credit Bureaus stating that I owe them {$1000.00} I sent them a cease & desist by certified requesting that all reporting be ceased immediately, unless they can provide me with ( proof ) of an agreement between them and myself with my signature ( wet ink ). ( Violation- 15 U.S. Code 1692g ) They have not, I did receive my verification that the mail was signed for ( received ) they have yet to cease reporting this collection account and it is causing me hardship and is a violation of my consumer rights according to U.C.C. 1-308.4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: SC

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. Please see attached file for these items I am complaining. Inquiries that are in fact unknown/unauthorized and shall be DELETED IMMEDIATELY ARE LISTED BELOW : 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 2024-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to fix this issue many times about the negative remarks on my credit pertaining to national credit system falsely putting information on my credit report if information is not done accurately the fist time but is against the law to keep going in submitting false information I want this resolved in removed of my credit my XXXXredit score has went down 3 different times from submitting false information to credit I have made several disputes with transaction but it seems they dont care I have alot of rights that sad been violated

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 2024-04-09 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: NY

Complaint narrative:
Received mail from XXXX XXXX XXXX XXXX ) Settle at {$0.00}!!! 
ON CREDIT REPORT INACCURATE PLEASE UPDATE ON ALL XXXX MAJOR 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 non-monetary relief
Consumer complaint received 2024-04-09 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:
Received mail from XXXX XXXX XXXX XXXX XXXX  Settle at {$0.00}!!! 
ON CREDIT REPORT INACCURATE PLEASE UPDATE ON ALL XXXX MAJOR 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 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2023 while shopping at XXXX I was approached by a person asking to use my phone for assistance. During the time using my phone the scammer used my phone to transfer funds from my checking account to an online account through XXXX XXXX  I noticed the transfer within 30-1hr of the scam and the police was called, XXXX XXXX was also contacted in hopes to recovering the funds before the scammer could withdraw. I was unfortunately left without the funds and without a reason for the funds being recovered

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: KY

Complaint narrative:
I'm not complaining about any one company. My issue is the credit scoring models being used. EVERY reporting company has a different credit score. How is anyone to know what their Real score is? There should be ONE credit reporting company instead of 3. The credit score models need to be revised and rewritten. It's amazing how my score can increase one month and go down the next when i haven't missed any payments. In my opinion, these scoring models are to make consumers more confused and to make more money for greedy lending companies. 
I'm sure i'm not the only one frustrated with this.

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 2024-04-09 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: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-09 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
Timely payments have always been a priority for me concerning this account, preventing any instances of overdue payments. I find it perplexing to discover reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, rectifications are necessary.

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 2024-04-09 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: TX

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Can you verify the paperwork? Certain entries are misreported concerning their details, such as inaccurate amounts and dates.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent letters to Experian and XXXX last XX/XX/2024 with the tracking number XXXX and XXXX regarding the inaccurate information on my report. There are accounts that are reporting negative but I was never late to any of these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They are also reporting a collection account that was never mine. I never agreed or sign to any agreement with XXXX XXXX - XXXX. 

I did ask for the method of verification but I never received any response from any of the credit bureau. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: GA

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 2024-04-09 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I closed a Citibank estate checking account on XX/XX/XXXX. No service fees had ever been charged. 

On XX/XX/XXXX, Citibank charged me a {$15.00} service charge and notified me that the checking account was overdrawn on XX/XX/XXXX. 

This was unauthorized. How often is Citibank charging a closed checking account without authorization? Could add up to millions of dollars.

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 2024-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
I recurve a loan for student aid on XX/XX/22 and was withdrawn from school on XX/XX/22 for unattended classes due to being XXXX now every time I call about my grant and aid refund the school said they are keeping the funds I've asked them to help me understand what I need to do to receive my student aid disbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2024 at XXXX I called to inquire about a dispute for {$18.00} from XXXX XXXX I just had gotten a letter that my dispute had been closed letter dated XX/XX/2024. But on XX/XX/2024 I had also received a letter telling me that my dispute was in progress and that I had until XX/XX/2024 to submit any evidence but my timeline was cut short on XX/XX/2024 and my dispute was closed. I did not have a chance to submit any evidence to support my claim. Additionally the reasoning on the closed dispute letter was erroneous. It stated that you could not confirm that i had received something different in the mail. I don't know what you mean. It should be sufficient for me to say wrong item was sent and not have to prove this to a rep. The point for the dispute was misleading and the actual reasoning why I could not return it was that XXXX did not provide a return label. So here I can see 2 mistakes being made by reps. One is that dispute was closed early and second the wrong reason was given to close the dispute. I want this dispute reopened and credited to my account. This was not my mistake but reps not handling disputes the right way and following proper procedure. Also on XX/XX/2024 I talked to XXXX from XXXX ID # XXXX at XXXX and she was not professional and not helpful handling my inquiry and acting as if she did not care about her job.

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