vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
First main issue is that another supposed collection company collecting on behalf of XXXX XXXX XXXX has contacted me again for the same {$2100.00}. Last time I submitted a complaint the company was claiming to be XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX, in the amount of {$2100.00}. I do not want this derogatory information to hurt my good credit that I have worked so hard to obtain and keep. Once again I am disputing that this is not my bill. Again, 1 ) I have never been in a contractual agreement with the reporting company 2 ) I have never been late with payment or delinquent with XXXX XXXX XXXX XXXXecause I DO NOT have an individual account with XXXX XXXX XXXX. 3 ) The obvious how can you be delinquent the same month an account supposedly was opened. 4 ) This is obviously a fraudulent activity and 5 ) this happened in 2020 twice but under a different name for XXXX XXXX XXXX when I disputed it was removed according to FCRA practices. 6 ) I have done my due diligence with disputing this several times and requesting they provide proof. 
I already have placed the fraud alerts on all 3 credit bureaus because of this bill that is not mine randomly shows up. Which has led me to use my right to make formal complaint against this Transunion, XXXX and XXXX XXXX XXXX XXXX. 

I do not owe anyone any money. As my credit file indicates 100 % excellent payment history because I pay my bills and creditors on time every month. 

The right and fair thing is to have this company to stop writing me and ensure removal of any inaccurate /fraudulent information from my credit bureaus and their records. As well, as for XXXX. XXXX, XXXX to cease from reporting this inaccurate information and or provide documented proof that this account belongs to me. There are no documents me for me to provide because again I have never been in a signed contract with XXXX XXXX XXXX XXXX nor am I in default or have been delinquent with an individual account with XXXX XXXX XXXX. 

I have even contacted XXXX XXXX XXXX  on several occasions regarding this same matter and they always tell me they do not have me has having had an account with them. 

Kindly, 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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: LA

Complaint narrative:
First main issue is that another supposed collection company collecting on behalf of XXXX XXXX XXXX has contacted me again for the same {$2100.00}. Last time I submitted a complaint the company was claiming to be XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX, in the amount of {$2100.00}. I do not want this derogatory information to hurt my good credit that I have worked so hard to obtain and keep. Once again I am disputing that this is not my bill. Again, 1 ) I have never been in a contractual agreement with the reporting company 2 ) I have never been late with payment or delinquent with XXXX XXXX XXXX  because I DO NOT have an individual account with XXXX XXXX XXXX. 3 ) The obvious how can you be delinquent the same month an account supposedly was opened. 4 ) This is obviously a fraudulent activity and 5 ) this happened in 2020 twice but under a different name for XXXX XXXX XXXX when I disputed it was removed according to FCRA practices. 6 ) I have done my due diligence with disputing this several times and requesting they provide proof. 
I already have placed the fraud alerts on all 3 credit bureaus because of this bill that is not mine randomly shows up. Which has led me to use my right to make formal complaint against this XXXX, XXXX and XXXX XXXX XXXX XXXX. 

I do not owe anyone any money. As my credit file indicates 100 % excellent payment history because I pay my bills and creditors on time every month. 

The right and fair thing is to have this company to stop writing me and ensure removal of any inaccurate /fraudulent information from my credit bureaus and their records. As well, as for XXXX. XXXX, XXXX to cease from reporting this inaccurate information and or provide documented proof that this account belongs to me. There are no documents me for me to provide because again I have never been in a signed contract with XXXX XXXX XXXX XXXX nor am I in default or have been delinquent with an individual account with XXXX XXXX XXXX. 

I have even contacted XXXX XXXX XXXX  on several occasions regarding this same matter and they always tell me they do not have me has having had an account with them. 

Kindly, 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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. They have removed one after agreeing to remove both its been3 months Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account XXXX Please investigate and provide Proof with statements showing that these payment were late. If proof can't be provided I demand these payment be updated to on time as they should be as I was NEVER Late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, 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: VA

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/Account # : 1. XXXX XXXX XXXX # XXXX, has violated my rights. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
This complaint is for EXPERIAN. I sent them a letter regarding the inaccuracies in my report last XX/XX/2023 due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

I have also attached and FTC report as the proof that the XXXX XXXX account XXXX has been reporting fraudulent charges and information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XXXX XXXX I authorized a {$1400.00} XXXX payment from my Capital One checking account XXXX to XXXX XXXX XXXX. The funds were removed from my account and deposited in the account of XXXX XXXX XXXX. 

On XX/XX/XXXX, I received a call from XXXX XXXX XXXX asking why they had received a check from Capital One for {$1400.00}. 

I spent more than XXXX hours on the phone with various people at Capital One NONE of them could explain how or why this had happened. On XX/XX/2023 the funds were apparently taken out of XXXX XXXX XXXX account but were NOT returned to my account. 

XXXX XXXX wants to deposit the check but I do not want them to unless and until the funds are returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Genesis debt collection sent me a letter stating I owed a debt. I explained to them I called an emailed the original debtor and resolved this matter. They then ( Genesis ) sent me a validation letter. I showed and explained to them clearly it was an accounting error which you can see on their invoice. Genesis then took the inaccurate information and had it post to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Im a navy federal member My accounts were closed out due to the pandemic, which I previously mentioned to a employee at the bank. My account were closed out and a payment buyout was arranged. ( XXXX ) I called to close out the saving account to this checking account because it showed no activity for 2 years ( XX/XX/XXXX ), I called navy federal to see can I close my account they said yes. So we went through the process of closing it out but the call dropped, the very next 2 hours I had {$4000.00} worth of charges on my account after I had just talked to a reps who repeatedly said Im okay because it shows nothing in the account. 2 days after that ( XX/XX/XXXX ) my account was charged {$3700.00} from a old income tax refund that came. I had no idea about it and the reps didnt say the deposit was going in. I believe the bank and their employees conspired to take my money with me knowing because they didnt give me a notice plus they still wanted to close my account so if I didnt catch onto it. I either should be able to keep my account or get my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I have reached out to my lender requesting to move my forbearance that was done during XXXX to the back of the loan : ( they will not ) XXXX has XXXX housing assistant program that will pay XXXX but the lender has to approve the request that I provided to the lender on XXXX and XXXX since they stated they did not receive. The form would come from me per the agency : If the funds are moved to the end of the loan and the XXXX is granted to reduce my outstanding amount, at that time if I'm still behind, I would have a lower payment provided I have to file a bankruptcy XXXX until the difference is paid off. currently as it stands if I file a bankruptcy XXXX my trustee payment amount is over {$2300.00} on top of my monthly payment that has been the same for over XXXX ( on an average of XXXX to XXXX ) the Trustee continues to dismiss my XXXX XXXX and the trustee keeps the funds that I have paid which leaves me vulnerable to possibly losing my home that I would like to keep. ( XXXX not looking to be homeless at my current age or any age for that matter ) My goal is to just get my Mortgage back on track so that I don't lose my home. 

Mr. Cooper now has indicated that my new payment would be {$1700.00} est ( my current value property taxes have been locked in now for XXXX ) with no changes due to an appeal that I file every XXXX with XXXX XXXX. 

My homeowners insurance has gone up slightly over XXXX A few years back I had a current HOI policy with XXXX XXXX XXXX XXXX XXXX in which Nationstar dropped the ball and sent my annual premium in late and the insurance company would not renew my policy! ( This was at no XXXX to me ) My annual premium started off at {$800.00} to {$1100.00}, after that payment was late my new quotes then averaged XXXX on a high end and XXXX to now XXXX. I personally feel as though Nationstar XXXX should pay the difference. instead, they have now increased my payment to est {$1700.00}. This user error of sending my insurance payment out as caused be to have to search for lower insurance payments every year or other year.. State Farm has been the most reasonable thus far, but XXXX yrs ago XXXX XXXX XXXX XXXX XXXX as well. So I'm happy with my current amount. Prior I had also for over XXXX then XXXX XXXX XXXX until they dropped me due to Nationstar not sending the payment out on time. 

I have sent a request for a RESPA DUAL Tracking on XXXX and again today XXXX with the verbiage RESPA DUAL Tracking as I would like a detail of fees as to how lenders can receive assistance and homeowners can not. 

I have attached the XXXX tracking request and the assistance program for your view. 

Regarding/Urgent matter Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today, XXXX XXXX XXXX I went online to get my free annual credit report from the three major credit reporting agencies. I got it from two but NOT from Experian. I got the message that they can not provide the report. 
I particularly intended to get the report from Experian because XXXX XXXX from XXXX, MO send me a letter dated XX/XX/ denying a loan and referring to the Experian credit report. 

I have NOT applied for a loan at all and particularly not with this company or bank. 

The specifics on the Bank letter were " your credit Score XXXX Source Experian and Model : Experian/FAIR, XXXX ( XXXX. XXXX ) date : XXXX XXXX XXXX I need this to be investigated and resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I am not receiving my billing and because of this I have just recently saw that I was late. I called the company and they said we apologize you were in paper billing. I now own business and i never put myself in paper billing, so this is a mistake on their end and I need then to remove that late payments immediately. If you look on the notes they did admit that I was in paper billing and that they had fixed the problem. Remove late payments immediately. I also didnt give them permission to report on my behalf. They are also reporting innaccurate info and none of the carrington reporting is the same accross the report. I need this removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a savings account with my mother online with Citibank. On XX/XX/2023 we transfered {$100000.00} from my and my husband 's bank account in XXXX to fund the new savings account. Unfortunately, we used my husband 's profile on the app to transfer the money and didn't realized it did not include my name on the transfer. Contacted Citibank in XXXX to see what was the issue since I couldn't access the account. They froze my account and set it to closure because the name on the transfer was not mine or my mother. Explained to them what was the issue, they took notes. 

Contacted XXXX and explained the problem to them. They tried to retrieve the money back from Citibank. Citibank blocked it. Called Citibank again yesterday XX/XX/2023. They still have the account set to closure, but holding to our money. Explained to them again the whole situation, but they have no solution but to wait another month until the situation is investigated. I asked to have the money sent back to XXXX since they got it directly from XXXX, but they refuse. The only solution they are willing to do is wait another month and then send a check to my husband. In the mean time, they are holding my {$100000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Bill paid in full with a statement balance of XXXX on XX/XX/23. 
Received new bill for XXXX of interest. They claim its from the acct not being paid in full for XXXX however thier payment system only gave the option to pay the XXXX. 
I tried to have them remove the amount and they were unwilling to remove the amount in its entirety as of XX/XX/23 the day I received new bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, 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:
THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Tried to cash a check drawn on Bank of America and they refused to cash it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
list of inquiries that were not made by me : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Good day. I reported to Comenity Bank ( Bread Financial ) on Tuesday, XX/XX/2023, XXXX XXXX that I noticed a FRAUDULENT CHARGE in the amount of {$130.00} dated XX/XX/2023 on my Arhaus Account. I contacted Arhaus Customer Service and was provided with the attached Lifetime Sales Report, wherein I made no such transaction. I had not been in the store on shopping online because I was recovering from two XXXX The Arhaus representative was surprised that Comenity directed me to contact them about a fraudulent charge. 

I have been repeatedly sending Comenity message and they have provided the following response with no action. Response : " Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. See the back of your statement for more information. We appreciate your patience. '' Kindly assist and see the attached.

Company response to consumer: Closed with non-monetary relief