vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Hello, this is the 3rd complaint i am filing now on behalf of myself and my problems with Freedom Mortgage. You dismissed my last complaint because you said it was the same issue as my first complaint. this is not so! As a result of your involvement, the first issue which had to do with TAXES was resolved! The company refunded the illegally seized taxes which i was not required to pay. However, after that time, I requested a new breakdown of escrow payments to the mortgage company. This has not occurred. I requested this because the company has forced place my homeowners ' insurance with one of their conspiratorial companies to inflate my escrow when they are well aware that i have XXXX homeowners ' insurance. They have been provided proof of insurance so why am i paying double??? Why is my insurance being forced placed when i have homeowners ' insurance? and the policy is intact? This is different than the illegal confiscation of my taxes. Why do you at the CFPB feel that the response from the offending company should warrant a closing of my complaint without requesting information from me? This is completely separate from my very first complaint which was resolved favorable to me. I hope this is clear enough. I would like an accounting for the amounts being charged to me by this rip off company Freedom Mortgage. The only freedom is that the CFPB is letting them run free to rip off consumers.

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 2024-02-29 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.

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$43000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXXXX XXXX Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The debt collector has never provided me with documents from the original creditor showing that this debt belongs to me. Obviously, there is no paperwork to support that this debt belongs to me and therefore it must be removed from my credit report. Further more the debt collector has reported that this is a new debt opened XXXX. The same account showed up on my credit XXXX years ago and the collection agency could not prove this debt belongs to me so it was deleted. It reached the statute of limitations. Account status is open and open balance of XXXX. Please remove this account in accordance to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., You must report accurate and complete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OK

Complaint narrative:
I have contacted the Department of Education on Mohela needing to correct my student loan account. I completed a Borrower Defense application in 2019 and through XXXXXXXX XXXX XXXXXXXX this was approved. Because of this, ALL of my loans through Mohela must lawfully be discharged through Borrower Defense. Mohela ignored this and instead did it through the Public Service Loan Forgiveness. Because of this I have not provided the correct discharge and have not received the refunds of all payments made on all of my school loans that I am lawfully due. With the XXXX XXXX XXXXXXXX lawsuit should have received all loan discharges and all refunds of payments by this date as per the lawsuit and Mohela and the Department of Education are now in breach of contract!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
AFFIRM INC - XXXX I hope this message reaches you in excellent condition. 

I am writing to bring specific inconsistences in my credit report to your attention, specifically pertaining to billing errors as outlined in : 15 U.S. Code 1681a - Definitions ; rules of construction | US Law | LII/ Legal Information Institute 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligator or a credit issued to the obligator on a statement ( 5 ) A computation error or similar accounting error made by the creditor on a statement Its my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore. 

I humbly request that the subsequent entries be promptly, updated on my consumer report to reflect their current status as follow : paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TN

Complaint narrative:
In accordance with the fair credit reporting act, these creditors have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section XXXX states I have the right to privacy. 

15 USC 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: TN

Complaint narrative:
In accordance with the fair credit reporting act, these creditors have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section XXXX states I have the right to privacy. 

15 USC 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting by Nordstrom Bank ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint against Nordstrom Bank regarding the inaccurate reporting of my account, numbered XXXX, to the credit bureaus. Despite numerous attempts to rectify this matter directly with Nordstrom Bank, they have persistently refused to correct the inaccuracies in their reporting. 

I contacted Nordstrom Bank regarding discrepancies in the reporting of my account. Despite providing evidence and documentation supporting my claims of inaccuracies, Nordstrom Bank has failed to take appropriate action to rectify the situation. Their continued refusal to address these inaccuracies has had a significantly detrimental impact on my credit score and financial standing. 

This conduct by Nordstrom Bank not only violates my rights as a consumer but also constitutes a clear violation of aggressive consumer protection laws. As such, I urge the Consumer Financial Protection Bureau to intervene and compel Nordstrom Bank to immediately cease their inaccurate reporting practices and take corrective action to restore the integrity of my credit profile. 

I am attaching copies of relevant correspondence, documentation, and evidence supporting my claim for your review and consideration. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate enforcement action against Nordstrom Bank to ensure compliance with consumer protection laws. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
These accounts were XXXX  opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these XXXX items off my credit report. Thank You! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/ XXXX XXXX XXXX  Balance {$57.00} Acct Number -- - Date Opened XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
These accounts were XXXX opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these XXXX items off my credit report. Thank You! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$57.00} Acct Number -- - Date Opened XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
These following companies pulled my credit, I do not recognize them, please remove these inquiries off 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 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 explanation
Consumer complaint received 2024-02-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
These following companies pulled my credit, I do not recognize them, please remove these inquiries off 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 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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I was sent to collections early of XXXX  for an XXXX XXXX visit, but I was never seen by a medical doctor, they claimed my medical insurance said error, ( it was an active medical insurance, called them and spoke to them, everything ok, but on the hospitals side they said different ), my son was seen without any problems and we have the same private medical insurance. Although I was never seen, they still charged my insurance, crazy, even though they claimed an error, as if I didn't exist and they had no information on me but the hospital still submitted my visit without ever checking me for anything. So I was " discharged '', never seen by anyone, ( I had an XXXX XXXX XXXX XXXX XXXX diagnosed by my primary doctor afterwards ). Only the registration came in to ask for medical insurance prior to doing anything. Didn't take long for them to harass me with phone calls, letters, bills on a regular basis. I emailed them explaining the situation, but no one refuses to listen or even bother to care. Then a debt collector sent a letter, I disputed it, said to stop all communication, but every single day after " working normal hours '', I receive voicemails, my phone doesn't even ring, it goes straight to voicemail, robocall every single time, every single day, while at home, work, doctors appointment or running errands. It's a recording from phone number XXXX, by Medicredit for XXXX XXXX XXXX 's in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Motolease, LLC
State: TX

Complaint narrative:
I am writing to dispute the actions of Motolease regarding a collection account that has been reported to consumer reporting agencies. Motolease has violated my rights under federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and related regulations, and is attempting to collect a debt that is past the statute of limitations in California. 

Despite my requests and the provisions outlined in federal consumer protection laws, Motolease has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my repeated requests for validation of the debt, Motolease has not provided any documentation to verify the legitimacy of the account in question. 

Furthermore, I have not been given the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the required dispute process is a clear violation of federal consumer protection laws. 

Additionally, Motolease has engaged in deceptive and misleading practices by reporting this account to consumer reporting agencies without fulfilling their legal obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Their actions constitute a violation of my rights and protections as a consumer. 

Furthermore, I would like to bring to your attention that the statute of limitations in California for collecting a debt is 4 years. As the debt in question exceeds this time frame, Motolease is not legally allowed to continue collection efforts. 

I respectfully request that the Consumer Financial Protection Bureau investigate the actions of Motolease and take appropriate measures to address these violations of federal consumer protection laws. I also request that Motolease be held accountable for their actions and be required to provide the validation information and dispute process as mandated by law. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: OH

Complaint narrative:
These accounts were XXXX opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these XXXX items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} 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 2024-02-29 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 am a victim of identity theft please remove this XXXX inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
ON XX/XX/2024 OPT OUT LRTTERS WER SENT : attached ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: IN

Complaint narrative:
XX/XX/2024 I found disrepancies on my report with Trans Union, XXXX, XXXX Acct # XXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: EQUIFAX, INC.
State: FL

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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
ME & MY CHILD WAS PROFILE BY THE BRANCH MANAGER LIKE WE WAS TRYING TO SCAM THE BANK & ALSO WE WAS LIED TO BY THE WORKER ON BEHALF OF THE BRANCH MANAGER TO TELL US THE MONEY ORDER WAS FRAUDULENT JUST TO BRUSH US OFF WHEN I HAVE AN ACCOUNT THERE AND AIN'T NEVER HAD NOTHING FRAUDULENT EVER COME THUR MY ACCOUNT SHE STOOD THERE LOUD SAYING CALL XXXX XXXX & THE WORKER SUPPOSED TO HAVE BUT I DON'T THINK HE DID BECAUSE I CALLED AND THEY SAID THE MONEY ORDER WAS OUTSTANDING I CALL ANOTHER BRANCH UPSET & TOLD THEM WHAT JUST HAPPENED THEY INFORMED ME TO COME THERE WE WENT THE BRANCH MANAGER WAS POLITE & CALLED XXXX XXXX AND THEY TOLD HER IT WAS OUTSTANDING SHE HAD MY CHILD SIGN IT OVER TO ME & WENT AND CASHED IT ME & MY CHILD WAS BASICALLY PROFILED BY THE BRANCH MANAGER & EMBARRASSED LIKE WE WAS IN THERE SCAMMING IT WAS A CUSTOMER IN THERE JUST STANDING THERE LOOKING AT US LIKE WE WAS CROOKS TO BE EMBARRASSED LIKE THAT WAS HEARTBREAKING I'VE BEEN WITH THIS BANK SINCE AROUND XXXX & TO BE TREATED LIKE THAT FROM A BRANCH MANAGER WAS UNACCEPTABLE WHEN I HAD THE MONEY IN MY ACCOUNT TO COVER THE MONEY ORDER OF {$830.00} IT WAS AN EMBARRASSMENT WHEN WE HAD TO GO SHOW ALL KINDS OF PROOF & WAS STRAIGHT LIED TO BY THEM HAD ME FINNA GO BACK TO XXXX AND GO OFF ON THEM ABOUT MY DAUGHTER MONEY THIS COULD OF BEEN AVOIDED IF THE BRANCH MANAGER HAD NOT HAD THE WORKER LIE I WATCH HER THE WHOLE TIME BUT THE OTHER BANK HAD NO PROBLEM AND CASH IT... SAME BANKS THO ... .XXXX..WE WAS PROFILED & EMBARRASSED WE ALSO HAVE THE PICTURE SHOWING IT WAS DRAFTED OFF HER CARD WITH A PIN NUMBER

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