vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 2024-07-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: MI

Complaint narrative:
I contacted the customer service department when I was unable to get the card to work and was told they had put a fraud lock on the card. I was directed to go to their website and submit my ID and a selfie. when I attempted to submit my ID the system denied it because it was expired. I called back and explained the situation and was told to send it in via U.S. mail I informed them I couldn't wait that long. I asked to speak with a supervisor and after going through the same discussion was told there was no other option. I then requested to speak with the next level supervisor to witch I was told they don't take customer calls but if I wanted one could call me back within 48 hours. They called back and I was unable to take the call. I called back and was told they couldn't transfer my call to the person who had called me. Attempted to request a supervisor again had to go through the same process and when I tried to speak to the lady she was rude and condescending. I tried calling back and was told I could submit my temporary license so I attempted to and the system denied it because it didn't have a photo. I then tried researching the bank and found this was their MO and that they have been Fined by the CFPB in the past for the practice.

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 2024-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Non-receipt of Debt Information : I did not receive any notification from [ Creditor/Debt Collector 's Name ] regarding this debt. According to the Fair Debt Collection Practices Act ( FDCPA ), I should have been provided with written notice detailing the amount of the debt, the name of the creditor, and my rights to dispute the debt within five days of their initial communication. This notice was never provided to me. 

Lack of Knowledge of Dispute Rights : I was unaware of my right to dispute this debt. As per the FDCPA, I should have been informed that I have the right to dispute the validity of the debt within 30 days from receiving the initial notice. Since I did not receive such a notice, I was not aware of my rights to dispute. 

Absence of Dispute Rights Notification : The creditor/debt collector failed to provide me with a notice of my dispute rights. This omission is a violation of the FDCPA, which mandates that consumers must be informed of their right to request validation of the debt and dispute it if 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 explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
XXXX. 
XXXX XXXX. 
Rocket Mortgage XXXX  of these happenings happened between the time of XXXX, and XXXX of XXXX. 


I tried to change insurance. Informed Rocket Mortgage that I would be changing and making payments myself and not through escrow. They got in contact with my insurance company and paid XXXX XXXX dollars without my permission, and with explicit disregard for what I had previously told them not to do, to XXXX XXXX  for a yearly payment of my inusrance. When instead I had already set up a monthly autopayment for my insurance. They sent the XXXX unbeknownst to me to set it up through escrow. Again, without my knowledge, and expressly against my permission. I then called XXXX XXXX to get the money sent back. The receptionist said " okay it'll be reflected soon on their system '' and I left it at that and waited. It'd been a week and I got worried and called Rocket mortgage. They told me that it wasn't through yet, and assured me the refund would reflect in my bank account. It never showed. I called to make a payment so I wouldn't be late on my mortgage, and even paid towards the balance of the escrow in good faith. It still then didn't change. XXXX XXXX has no recollection apparently of where the money is, or went, and if it was meant to be refunded, when I specifically called to get a refund a a month ago. XXXX hasn't reflected any refunds into my account. XXXX XXXX says they don't know where it is, and Rocket Mortgage. The people that started all of this, are trying to absolve themselves of any wrong doing in the first place, and have begun to impact my credit from late payments. I refuse to pay them. Neither company will come forward and admit wrongdoing. I can't afford to pay the extra they want and my mortgage. Now I'm falling behind in my mortgage payments, and taking hits to my credit. I'm actively taking Rocket Mortgage to small claims court as we speak for the damage to my credit. They haven't received payments, when all other parties say that they have. I'm just caught in the middle of multi-XXXX  dollar companies having a fight and am going into debt, and most likely foreclosure, because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I phoned Bank of America on Sunday XX/XX/year> and was on hold for more than 40 minutes waiting for a customer service representative because apparently, BOA won't allow me to close my account via their website ; requiring that one speak to an agent. I phoned again the morning of XX/XX/year> and was on hold for 24 minutes without a response. I phone the afternoon of XX/XX/year> and became frustrated being on hold for 45 minutes. I can not stay on the phone for hours at a time to close my account. I simply want to close my credit card account that I have not used in the past several years. How can I accomplish this if no one will pick up the phone?

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 2024-07-01 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint independently, without any third-party involvement. Enclosed are letters detailing significant discrepancies in my credit report across TransUnion, XXXX, and XXXX. These bureaus have reported inconsistent and untimely 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 non-monetary relief
Consumer complaint received 2024-07-01 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:
I, XXXX XXXX XXXX, am filing this complaint independently, without any third-party involvement. Enclosed are letters detailing significant discrepancies in my credit report across XXXX, Experian, and XXXX. These bureaus have reported inconsistent and untimely 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 2024-07-01 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

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 2024-07-01 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: AZ

Complaint narrative:
I was reviewing my credit report and noticed some inaccurate information on my credit report. When I disputed with your company you said it was validated with false/inaccurate documentation. I have filed an ftc identity theft report. I demand that these accounts be removed or else I will have to pursue legal action against your company as these need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: AZ

Complaint narrative:
I was reviewing my credit report and noticed some inaccurate information on my credit report. When I disputed with your company you said it was validated with false/inaccurate documentation. I have filed an ftc identity theft report. I demand that these accounts be removed or else I will have to pursue legal action against your company as these need to 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 explanation
Consumer complaint received 2024-07-01 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: SC

Complaint narrative:
15 USC 1681C-2 states except as otherwise provided in this section, A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please honor my request and remove these accounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: SC

Complaint narrative:
15 USC 1681C-2 states except as otherwise provided in this section, A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please honor my request and remove these accounts from my credit report 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 explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am in the process of selling my home at XXXX XXXX XXXX, XXXX FL XXXX. My closing date is XX/XX/2024 and not only is my old servicer unwilling to honor its payoff statement, but my new servicer is telling me that I will be unable to payoff the loan through them until XX/XX/2024 at the earliest, resulting in a multi-day closing delay for no other reason that paper processing. The timeline of events are as follows : XXXX XX/XX/2024 - My mortgage ( # XXXX ) was held by Mr. Cooper Powered By XXXX XXXX ( Nationstar Mortgage LLC XXXX Mr. Cooper ). Servicing of this loan was transferred to Mr. Cooper ( a different Mr. Cooper ), and the old servicer did not provide me notice. 

XXXX XX/XX/2024- Mr. Cooper Powered By XXXX XXXX, my old servicer, generated a payoff statement for this loan. The payoff statement includes a XXXX XX/XX/2024 expiration date that covers my closing date. 

XXXX XX/XX/2024 - I receive a notice in the mail that my loan is being transferred effective XXXX XX/XX/2024. I immediately call the new servicer to determine how to payoff the loan because I have a XXXX XX/XX/2024 closing date. The new servicer, Mr. Cooper ( not Mr. Cooper Powered By XXXX XXXX ), tells me that they will be " onboarding '' the loan until atleast XX/XX/2024, will not generate a payoff statement for me until that time and will not allow me to payoff the loan. 

XXXX XX/XX/2024 - I call the new servicer again and they advise me, again, that they will not allow me to payoff the loan. The upshot is that, due to their unwillingness to allow me to payoff the loan, they will of course take days worth of interest from me in the meantime. The only advice they gave me was that I should speak with my old servicer. 

XXXX XX/XX/2024 - I call Mr. Cooper Powered By XXXX ( the old servicer ). They advise that the payoff statement they gave me, with a XXXX XX/XX/2024 expiration date, is not good and will not be honored. They state that they will not accept my payoff and that they will not stand by their payoff statement. They directed me back to the new servicer, Mr. Cooper ( confusing naming conventions ), which already told me that they will not allow me to pay off the mortgage. 

Based on the above, it appears that neither my old or new servicer will allow me to payoff my mortgage. The old servicer has generated a payoff statement with an expiration date that they will not honor. And the new servicer has decided that there is a minimum XXXX or XXXX  day blackout period in paying off mortgages they recently acquired, although they will happily allow me to carry the mortgage and pay them interest on it while they " onboard '' the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: NY

Complaint narrative:
I have my proof of certified mail that was sent to the collection agency and it was signed for both. I live in the state of New York. My state laws indicate that the collection agency is not Authorized to Conduct Business in the state of New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights 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 explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
TSI collection agency has repeatedly been harassing and calling me and sending an absurd amount of emails for {$900.00} that was transferred from XXXX for a cell phone bill that included the price of a phone that I was making installment payments monthly on and XXXX month service. I had to change network providers due to my phone and network service being hacked and compromised for the XXXX time in roughly a year. I advised both.companies I am homeless have been since XX/XX/2023 and that I filed from XXXX XXXX  and XXXX originally from Wisconsin and was being XXXX XXXX  which coincide with my electronic devices being breached repeatedly. Which I have reported to the proper authorities and I included this information in another report with XXXX confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: CT

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Non-receipt of Debt Information : I did not receive any notification from [ Creditor/Debt Collector 's Name ] regarding this debt. According to the Fair Debt Collection Practices Act ( FDCPA ), I should have been provided with written notice detailing the amount of the debt, the name of the creditor, and my rights to dispute the debt within five days of their initial communication. This notice was never provided to me. 

Lack of Knowledge of Dispute Rights : I was unaware of my right to dispute this debt. As per the FDCPA, I should have been informed that I have the right to dispute the validity of the debt within 30 days from receiving the initial notice. Since I did not receive such a notice, I was not aware of my rights to dispute. 

Absence of Dispute Rights Notification : The creditor/debt collector failed to provide me with a notice of my dispute rights. This omission is a violation of the FDCPA, which mandates that consumers must be informed of their right to request validation of the debt and dispute it if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
There is an outstanding amount owed for a debt that is not mine. The name of the company is called Transworld Systems. This is fraud. We have talked to Transworld Systems and they should be sending a fraud packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: AZ

Complaint narrative:
I was reviewing my credit report and I see some accounts that are not mine. I have disputed this information and you have said that these account have been verified with improper documentation. I have filed an ftc identity theft report as these accounts are not mine nor did I give permission for these businesses to have my private personal information. I did not receive any goods or services from these companies and I demand that these accounts be removed or I will have to pursue legal action against your company.

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 2024-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
Mohela has not issued an overpayment refund of XXXX for at least three months. Mohela states that they issued the funds but can not identify an account it was placed in or a date received. I have not received any amount of money back. I have been told accounting will fix the issue and return the XXXX for the last three months without success. I do not receive call backs or escalation to accounting when I call. I frequently receive excuses stating that a work order has not been issued, however I have been calling multiple times and have been told they have started work orders for this issue. 

The date they state the refund is issued is XX/XX/year>, but they have no information on file of how the refund was issued such as paper check or direct deposit insinuating that the payment went no where as I have not received it. I have called many times over the last three months without success spending over 1 hour on the phone each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation