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

Complaint narrative:
Freedom Mortgage company has reported fraudulent information on my credit report and on my annual 1098 form. The amounts listed on our current billing statement and our 1098 form are completely different. The amounts on the 1098 have been inflated. Our premium payment has tripled since inception of the loan. They have consistently inflated numbers, with no refunds or credits to our principal balance when premiums change. We have had a recent change in premium. It has decreased ; however, we have not received any credit or refund check to reflect this change. They have consistently done this for the life of the loan. I confirmed amount of payoff from a FHC agent and email. Versus what the 1098 states. They have inflated amounts that we actually owe. This is fraudulent activity!

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 — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
Have asked multiple times to contact only via XXXX as well as provide written verification of debt

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: Experian Information Solutions Inc.
State: TX

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.

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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
my daughter and i share a checking account. She has her own savings account, all with BMO Harris Bank. 
This past XX/XX/XXXX, fraud was found on her account with someone attempting to cash a {$4000.00} check. While the bank caught this transaction, they froze her account to conduct their investigation. They found it was in fact fraud and their way of solving was to cancel all her accounts completely and send refund checks to an old address. We were informed the checks were sent XX/XX/XXXX and would take 6 weeks. My daughter had to verify her ID to which she did by email. It is now XX/XX/XXXX and now the bank states the checks were never sent because of my daughter needing to verify her ID. She has done this 3 times now and now the bank doesn't know where the money is and if the checks exist. 
My daughter is away at college in XXXX  and does not have access to any money. My family is now distressed and trying to pay her bills because she has no access to her money that was needed for college. This is causing a major hardship and BMO customer service is terrible in trying to assist us. 
I don't know what else to do. And I refuse to continue to live on a credit card to pay her bills. Consumer is getting bullied by big banks.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/XXXX XXXXL XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  || Date of inquiry : 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 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: GA

Complaint narrative:
I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Credit agency is reporting addresses that are non-mailable addresses to me, as well as my government name is listed incorrectly and I would like it to be accurate moving forward. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. EXPERIAN has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so.

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: EQUIFAX, INC.
State: CO

Complaint narrative:
The account appearing on my credit report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX. 
ACCT NUMBER : XXXX DATE : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
On XX/XX/XXXX, I opened a savings account with Barclays Bank. I transferred funds of {$500.00} to open this account from my XXXX XXXX XXXX XXXX account. 

Shortly after opening the above account with Barclays, I attempted to deposit a check to that account. Apparently this started off a big problem. I was locked out of my account and could not access it on line. I called customer service and on that initial phone call ( sorry, do not have that date, but it was in early XXXX of XXXX ) I was told that a fraud alert had been put on the account, and the account was now closed. That person told me that the {$500.00} would be returned to my credit union account. That did not happen. 
Since then, I have now made 4 subsequent calls to Barclays Bank and have been told different stories each time. 

XX/XX/XXXX I was told by XXXX at Barclays that the account had NOT been previously closed, as I had been told, but was still open but " locked. '' At that time, getting frustrated, I told him to close it and transfer the money back to my credit union account. He said he did that, and issued a ticket number. He told me the money should appear the following week. It did not. 

XX/XX/XXXX Follow up call made -- The representative assured me the account was closed and the money should be in my XXXX account, and if it wasn't, it was the fault of my credit union account, not on Barclays end. I then called my credit union and they spent a good deal of time searching for this deposit that never happened. They said it was definitely not sent, and I needed to call Barclays to pursue further. 

XX/XX/XXXX Call to XXXX at Barclays : I was told the funds were definitely transferred on XX/XX/XXXX, and they should show up in my credit union account by XX/XX/XXXX or XX/XX/XXXX at the latest. They did not. 

XX/XX/XXXX Final call to Barclays : I asked to speak with a manager or supervisor and was told that was not possible, but that I had to create a ticket and will receive a call back in a few days. I proceeded to explain the whole story once again, and this person told me that it will take up to 90 days to receive the funds back in my credit union account. 
He then created a ticket for a manager to call me, but disconnected the call before I was given the ticket number. 

I feel that 90 days is excessive for one thing, but my bigger issue is getting different stories every time I call. At this point I have no faith or trust that my money will ever be returned! 

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX  || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX XXXX || DATE-XX/XX/XXXX XXXX  || DATE-XX/XX/XXXX XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon checking my TransUnion credit report, I noticed some unauthorized inquiries.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My original student loan was for {$73000.00}. I received a Borrower Defense to Repayment in the amount of {$50000.00} that was applied to my original loan. Nelnet ( the student loan provider ) told me they disbursed for {$55000.00} onXX/XX/22. I wasn't in school in 2022 and never received any loan from them. I have been to contact them to confirm why I still owe & XXXX when $ XXXX was applied to the original outstanding balance.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As of XX/XX/2024, Experian has removed my ability to access my credit report via phone or via email. Their online and phone system is not allowing communication, password resets have been halted, and Experian account is not accessible.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
We have been going through homelessness from XX/XX/2023 until now. Talking to a company representative was rude on the phone when explaining my situation. Was told I needed to figure out a solution, and I proceeded to hang up because was very rude on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
On XX/XX/XXXX I got notified by XXXX that I had authorized XXXX hotel room rentals and a car rental in Texas using my account. I was not in Texas ( I live in XXXX ) nor had I planned travel to Texas. I contacted XXXX immediately and was told that because it was prepaid ( about an hour before I called them ), there was nothing I could do, even if it was not authorized. I called the hotel and they refunded the money back to XXXX, but XXXX would not do anything about it. 

After XXXX, I called Chase, my bank holder that holds the debit card account that was charged. I advised them of the fraudulent charges ( XXXX total ) and filed a claim. They closed the debit card and issued a new one, and they credited the account while they " investigated ''. Today ( XX/XX/XXXX ) I got notified that Chase did not find fraud and was removing the credits paid. I called Chase and was told that based off XXXX 's statements, the transaction was authorized. 

The name on the room rentals and car rentals were not mine, nor was the phone number used for the room. The only thing connected to me was the fact that my XXXX account was used due to it being hacked. I changed the XXXX password and removed all my banking information while I was on hold with XXXX the day it happened. 

As of today, XX/XX/XXXX, Chase is refusing to review this any deeper or allowing me to speak to a supervisor to address this issue further. Even though I have already talked with XXXX, Chase is requiring that I take up my concern with my XXXX again. I have asked for them to send me all documents they used to make the determination that I was authorized this transaction. 

The information below is what was used to book the car and rooms at XXXX : XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX, XXXX, TX XXXX Renter - XXXX XXXX Car Type : XXXX XXXX  or similar Make / model not guaranteed {$61.00} charged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, United States XXXX XXXX : Room XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
Reservation Name : XXXX XXXX, XXXX Adult ( s ) Hotel confirmation number : Room XXXX : XXXX {$98.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, United States Room Type : Room XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Reservation Name : XXXX XXXX, XXXX XXXX ( s ) Hotel confirmation number : Room XXXX : XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
A hold was placed on my debit card without any warning from citibank. I called to request the hold be removed and they said they called my number and left a voicemail with a reference number to verify my account. I did not receive the voicemail and asked for them to call again. They put me on hold and claimed that they called my number but I received no call. The agent then promptly hung up after saying that my card would be locked until I had a number that they could reach to verify me.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: WA

Complaint narrative:
I initially hired XXXX XXXX to get rid of some weeds and mushrooms growing in my yard and trim the grass. The first vendor came out on XX/XX/2023 and didn't remove any weeds and left the mushrooms. However did leave grass clippings everywhere it was a complete mess. I didn't approve the work so I wasn't charged. Unfortunately, XXXX sent out another vendor and I was at the home and could see the vendor really wasn't working and seemed irritated. Needless to say the weeds weren't removed and multiplied due to this and the mushrooms were never removed. I didn't approve this job as it was incomplete to say the least. XXXX ignored my rejected job messages and began to charge my credit card numerous times. I was threatened over the phone that it was okay that I didn't accept the job and they would send the account to collections anyway. At this time XXXX continued to try and charge my credit card for the incomplete job. XXXX sent this account to Kinum a debt collection agency. Kinum sent me a letter then called one of my family members to locate me. I never listed this family member on any contact information to XXXX. I contacted Kinum and asked why did the call my family and I was informed we had to get a hold of you, I disputed the debt XXXX  sent them to collect.

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: ME

Complaint narrative:
I signed up with Lexington law about 6 or 7 yrs ago to try and fix my credit they had me pay them $ 150 monthly for about a year before I lost my job and had to cancel services during that time they had challenged most everything on my credit report and continued to do so so that it looked like things where being removed from my report which brought my score from XXXX to XXXX only once I canceled service did I figure this out because everything thay had appeared to have had removed came back as brand new debt and hammered my score down to XXXX that did nothing they claimed they could do and it has taken me years to get my score back up to XXXX

Company response to consumer: Closed with explanation