vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Kiavi, Inc.
State: FL

Complaint narrative:
XXXX loaned us money on XXXX houses. On the last house we had a rehab budget of XXXX and signed it in the title office and we have proof. The title lady looked it over and said they awarded us the money. When we went for our first draw and they would not give us a draw and said it was not approved. This sent our business into a spiral. We no longer had money to operate. We fought and fought trying to pay and keep up with our payments but could never catch back up. They are directly responsible for us not being able to pay our payments and now are foreclosing on all the houses.They acted in XXXX XXXX and we have the proof. XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: PA

Complaint narrative:
I XXXX XXXX viewed my credit report and noticed several accounts, addresses and names that remain reporting in my account inaccurate. This is the THIRD TIME REPORTING THIS COMPLAINT. I URGENTLY ASK YOU TO REMOVE THESES INACCURATE INFORMATION FROM MY REPORT. I AM A VICTIM OF IDENTITY THEFT. PLEASE SEE THE ENCLOSED DOCUMENTS I PROVIDED IN THE REPORT. This is very frustrating. All documents have been presented proof of Drivers license, social security and theft affidavit but the accounts continue to be on my report. I need these items removed as soon as possible as theses accounts is making it hard to take care of my financial responsibilities. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX viewed my credit report and noticed several accounts, addresses and names that remain reporting in my account inaccurate. This is the THIRD TIME REPORTING THIS COMPLAINT. I URGENTLY ASK YOU TO REMOVE THESES INACCURATE INFORMATION FROM MY REPORT. I AM A VICTIM OF IDENTITY THEFT. PLEASE SEE THE ENCLOSED DOCUMENTS I PROVIDED IN THE REPORT. This is very frustrating. All documents have been presented proof of Drivers license, social security and theft affidavit but the accounts continue to be on my report. I need these items removed as soon as possible as theses accounts is making it hard to take care of my financial responsibilities. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help in this matter

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 2024-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Lender bought mortgage from XXXX XXXX XXXX in XX/XX/year>. After a review they articulated that the house needed flood insurance. Upon calling them I articularted the previous lender did not require flood insurance. They noted the discrepancy and took to reviewing the process as did I. After numerous calls over three months we mutually decided that the best course of acction was to place a private policy which I paid for and NewRez agreed. I reconfirmed that there was no policy placed on the property nor did I receive a policy from them. 

A few months ago I noticed {$1100.00} on my escrow and called the lender. They said it was a error and were to remove it. 4 separate calls have been made asking why it had not been removed and they changed the amount owed to reflect the escrow. Again I called and asked what was happening and a clerical error was the excuse. 

At this point I called the lender which may be the 20th time. I stopped autopayment and made a payment for the Principal and Interest and infomed them of this. I have done that three times manually now, I continue to receive late notices and called again. Over 170 emails or hours on the phone total ... Most of it on hold. The new story is they retroactively charged me lender based flood insurance from the day they acquired the mortgage and did not inform me at anytime even after asking. No resolution and they either hang up or leave me on hold. 

Simply they have changed their story and our now trying to charge interest and penalties and I am current with an XXXX credit score. 

Need them to issue credit for the charges and interest. I have done everything they have asked and now they are changing their story. No policy no insurance no coverage and revisionist history. I have enclosed mortgage statement in email and have good documentation on this. 

Resolution is to credit all escrow and fines back to me and ensure that my credit score is not damaged. 

I will pay mortgage for XXXX on XX/XX/XXXX early to maintain good faith tin the process as this provider has been impossible to deal with and former lender was excellent to deal with. 

This company is behaving as a predator to me and the family. They robocall and awake a XXXX XXXX XXXX with XXXX that we care for. This is unacceptable. 

Respectfully, XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
My wallet was stolen and they used my card to withdraw money from atm and I live 12 hours away and capital one is saying that I made those yet XXXX XXXX XXXXXXXX and have no reason to drive 12 hours to blow my school saving at atms they debited the claim blaming me but as a customer I believe they should accept and out in the effort to make customers happy I lost all my school money and capital one will not do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
We refinanced our home. part of the refinancing used some funds to pay off open credit accounts. We mailed a 3rd party check to American Express made payable only to American express for {$11000.00}. After several week our account had not been paid off so i opened a dispute with American Express. Case # XXXX. 
A copy of the cleared check was provided b the mortgage company and i uploaded it to American Express.

after several days they came back and said the check had been cashed by someone at a XXXX XXXX XXXX. 
I went to XXXX XXXX, and was told that American Express had to contact XXXX XXXX to open an investigation on the stolen check since it was a 3rd party drafted check made payable to American Express. Me and my wife are not allowed to open a dispute or investigation with XXXX XXXX, they will only do that with American Express, since our name is not on the check.

I have been back and forth with American Express and they are refusing to contact XXXX XXXX since they did not cash the check. So currently i have a missing check for {$11000.00}. that full balance is on my American Express Card still, plus i have that amount lumped into my new mortgage payment. so currently i am being charged double interest on 1 balance, and am unable to get either American Express or XXXX XXXX to try to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a citi account last year but the bank closed it for some reason. Now they are reopening it without my approval, and began sending me statements. I tried to call them but they say that they cant verify me. They want me to go to a branch, but I dont have XXXX near me. Im XXXX  that they are going to begin charging me monthly fees. Also, they havent returned my initial funds in the account.

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 2024-09-11 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: GA

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I initiated a transfer of {$XXXX} from my USAA account to what I believed was my sisters XXXX checking account. However, due to an error, I mistakenly entered an incorrect account number. The name on the transfer was listed as XXXX XXXX. When the funds didnt reach my sisters account by XX/XX/XXXX, I logged into my USAA account and saw an " Action Required '' notice next to the linked XXXX account. At this point, I changed the account name to " NOT XXXX '' and realized there was no " Transfer Authorization '' document listed on my transfer activity page. 

On XX/XX/XXXX, I contacted USAA customer service via their chat function to open a dispute, as customer service was closed, the issue was not resolved immediately. I then called XXXX customer service, and they assured me that their policy is to verify that the name matches the account number before authorizing any funds transfer. It was AFTER opening the initial dispute that I received the " XXXX XXXX XXXX XXXX XXXX '' memo attached below. 

On XX/XX/XXXX, I called USAA customer service again to re-initiate the dispute. I called USAA several more times over the following days, but the case was repeatedly closed without resolution, and no follow-up calls were made despite assurances. Between XX/XX/XXXX and XX/XX/XXXX, I called numerous times to request updates and to reopen the dispute, spending hours on the phone, but with no progress. 

On XX/XX/XXXX, I was told that an indemnification document had been sent to XXXX, but no specific timeline for a resolution was given. From XX/XX/XXXX to XX/XX/XXXX, I continued to follow up with no significant progress. On XX/XX/XXXX, I was informed that USAA had concluded their investigation without taking any further action. No clear explanation was given as to why the transfer was allowed without an authorization document or why XXXX has not responded to USAAs inquiries or provided any documentation regarding the disputes resolution. 

To date ( XX/XX/year> ), I have spent over XXXX hours and XXXX minutes in communication with customer service teams at both USAA, with little progress and no resolution. Both banks have failed to provide adequate support or follow their own policies regarding name and account verification. As a result, I am filing this complaint with the Consumer Financial Protection Bureau to seek assistance in recovering the {$XXXX} transferred in error.

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 2024-09-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, an unauthorized payment of {$580.00} was made from my bank account to a XXXX XXXX credit card. This payment was mistakenly made by my mother, who does not have access to my banking information. The payment information had been saved in the XXXX XXXX system from previous payments I made, and the error occurred when she attempted to make a payment without verifying the details.

As a result of this unauthorized transaction, my account balance became negative by - {$260.00}. In addition, my {$300.00} payment to another credit card company ( XXXX  XXXX ) was rejected, and I was charged two NSF ( Non-Sufficient Funds ) fees of {$35.00} each, further compounding the financial impact.

On the same day, XX/XX/year>, I contacted my bank to dispute the unauthorized payment. They opened a case to investigate the matter. However, on XX/XX/year>, the case was closed, with the bank stating that the transaction was legitimate because I had not disputed previous payments. This reasoning was irrelevant to the issue, as the prior payments had no connection to this unauthorized transaction.

I escalated the dispute by speaking with a representative named XXXX on the same day, who was dismissive and unprofessional. She accused me of allowing my mother to obtain my banking information. I explained that the information was saved in XXXX XXXX  system, and my mother did not have direct access to my bank details. Despite my explanation, the representative refused to reconsider the bank 's decision.

I then escalated the issue to the banks executive office, providing detailed documentation, including a declaration, a notice of intent to sue, and a draft civil complaint. On XX/XX/year>, the executive office notified me that they would resolve the case by XX/XX/year>. However, on XX/XX/year>, the bank once again denied my claim with the same unfounded reasoning and closed the case.

The bank has consistently failed to address the core issuethe unauthorized {$580.00} paymentand has relied on irrelevant arguments to avoid resolving the matter. I am seeking a reversal of the unauthorized payment, a refund of the two {$35.00} NSF fees, and compensation for the rejected {$300.00} payment to 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 monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive submitted a FTC and a complaint with CFPB regarding me losing my wallet with all my personal information and ive been experiencing issues with accounts all over california aswell as the following addresses : XXXX XXXX XXXX XXXXXXXX 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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Account - XXXX : Account - XXXX  XXXX Account - XXXX  Account - XXXX  # XXXX The above accounts were opened fraudulently without my consent. 
Please remove from credit report asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX. XXXX ) & ( XXXX XXXX  XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.

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