vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC
State: AL

Complaint narrative:
I received a letter stating I had met the XXXX to have PMI cancelled, but now they are wanting me to pay for an assessment on the property. 
From what I have read and on the document they supplied when I closed the loan, the PMI should automatically drop off when the principal balance of my loan reaches 78 % of the original value of the property. This was met in XXXX, however I still paid for PMI in that month as well as XXXX. After a hard time to get through to XXXX XXXX, I was told they would review and may get back with me in XXXX some time. 
During the Summer I was told by them it would drop off in 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 2023-12-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am filing this complaint to bring to your immediate attention a matter of utmost concern regarding the inaccurate reporting of my credit information. Despite multiple attempts to address and rectify the situation, I am still facing serious discrepancies in my credit report, which are adversely affecting my financial standing. I am extremely annoyed and frustrated by the repeated negligence in addressing my disputes. The inaccurate information on my credit report is causing severe damage to my creditworthiness and overall financial well-being. I demand an urgent and thorough investigation into this matter. It has come to my attention that these accounts contain late payment markings that are not accurate. The late payments were a result of an error made by the bank in sending statements to the wrong address. The bank has acknowledged this mistake and has agreed to update the accounts to " open/never late '' and remove the late payment markings. The accounts in question are 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 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 Also please take note that I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have my identity theft report, XXXX ( credit card ), and letter stating the invalid accounts that are illegally reporting to my consumer file. I never created the transaction for authorization to report any such accounts to my consumer file, and they are a result of identity theft. Ive also included the certified mailing numbers on this formal complaint.

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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I opened a Citibank Costco Visa card in XXXX XXXX and have used it for about {$9000.00} in charges, which I pay off in full every month. I get a daily email showing my act. balance. 
I went to use it on XXXX XXXX at Costco to make a {$430.00} purchase and it was declined so I used my XXXX XXXX XXXX to pay and called Citibank when I got home.I talked to 2 people who couldn't answer why until I finally talked to a Level 2 Account Manager by the name of XXXX. She was concerned that I paid off my amount every month and couldn't see any reason it was closed. She thought it was a system error and would get back to me, which she did.She said I had 4 payments on XXXX XXXX and XXXX that didn't go through. I was never notified by email, my account or by text that this happened nor did I get a late or returned payment fee. I use my XXXX checking to make payments and one did go through on XXXX XXXX. She said it was an automatic act. closure and I asked why I was never notified or if a human even reviews it. I asked for an email stating this and she said she couldn't do that. I said I have excellent credit, over XXXX and pay my balance every month and have XXXX in reward dollars. She said she was sorry and my act would be renewed. I got an emailed XX/XX/XXXX saying my act was reopened. I went to use my card at Costco today and it was denied. I called and talked to an Act. Manager named XXXX and he said my account was closed today and I wouldn't get any reward dollars I earned and it was for the same reasons as before. 
This is VERY unfair and I wonder since I pay off my account every month they don't make any money so they ripped me off for {$170.00} and closed it. I have contacted Costco and they are doing an investigation also. 
I have documentation to prove my end of this but it will be hard to attach, I don't know how. I can mail it to you.

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 2023-12-18 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-12-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Skopos Financial, LLC
State: IL

Complaint narrative:
I inquired about this a while back and still have no answer. I participated in this message below back in XXXX before the deadline, and the agent on the phone said he was submitting it but that it would take some time for management to review it : XXXX, you may be eligible for a waiver of up to {$500.00} in accrued fees on your Skopos loan. We will match any payment of up to {$500.00} in waived fees during the offer period. Please call us at XXXX to learn more. We are available today until XXXX CST. This offer expires [ Saturday - XX/XX/XXXX ]. TXT STOP to Stop messages from this number. MSG & Data rates may apply. Reply STOP to OptOut It is XXXX and to this day the late fees were not waived as promised. I called over the phone on XX/XX/XXXX to pay as instructed before the deadline, paid over the phone and followed the instructions to the letter. 

I certainly hope this is not in retatliation to my XXXX complaints.. as this is not only discriminating but also illegal. But this seems to be the only way to get any type of response from this company. 

I have sent several e-mails to their customer advocacy department and XXXX XXXX directly and all have been flagrantly ignored on the 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 explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, while in a foreign country I was drugged and my phone was stolen and hacked. Multiple accounts have been breached and accessed. When I attempted to regain access to my XXXX XXXX account on the following day, I got an error message saying that my login information was not recognized. I tried to regain access by requesting a reset link to be sent to my email. I got an online response that it was sent but the link never came. At that point I attempted to call XXXX XXXX at their published number XXXX. The automated message said that the only way to get customer service was to request a call back from the app. However I could not login into the app, because the thieves altered the login info and changed the email and phone number linked to the account. In essence : There was absolutely no way for me to contact XXXX XXXX to report the breach and freeze the account. 

Out of desperation, I created a new account and requested a callback. When a rep finally called back, I tried to explain to her what happened and that I needed to regain access to my old account. She clearly had no understanding or interest in helping me. She hung up on me even though I asked to speak to a supervisor or someone who had a better understanding of the system. Subsequently, it took me almost 2 months and close to 30 instances of contact with XXXX XXXX to gain access to my original account. At this point my account was emptied by the thieves. I lost about {$24000.00}. Reviewing the transactions, I saw that it took almost a week to empty the account ( Statement attached ). Had there been a mechanism for reporting this fraud, I could have frozen the account on the following day. 

On XX/XX/XXXX I was finally able to convey the full details of the breach to a customer service rep who took down all the info and told me that my funds would definitely be restored. 

No one from XXXX XXXX ever contacted me again regarding this matter and about two months ago my old account became restricted again. I can not request a call back because the phone number that is associated with the account is still that of the thieves. When I try to update the phone number, I get the same message Try again tomorrow. 

It is unbelievable that my account could be so easily hacked by the thieves, but took me many months to restore. Furthermore, there exists no mechanism within XXXX XXXX to report a hack and freeze the account, something that I was able to do with all my other financial institutions. Just as shocking is lack of any action on such a security breach and fraud by the company so far, despite the promises by the customer service rep to restore the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Representative refusing to post a payment made in XX/XX/2023. I've been making rapid payments ; XXXX posted and the other did not. When I called to make the company aware that a XXXX dollar payment had not posted ; I was treated as if the payment did not matter, and they did not have to post it. The operator kept pretending as if they did not understand what I was talking about. They never posted it which is in violation of the contract that has been agreed upon. They are refusing to post payments. 

Also, there seems to be finance charges applied with no way to see how much the finance charges are. The electronic statement is not listing the finance charges that should be plainly visible.

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 2023-12-18 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2023-12-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
My indio account shows late payments and the account is auto payments with no NSF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the continued reporting of late payment information on my credit report for an account that has been settled and closed. After carefully reviewing my credit report, I have observed that late payments are still being reported on this account, despite its closure and settlement. I am seeking your assistance in rectifying this issue promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to bring to your attention that the mentioned account has been settled and closed. Despite this resolution, the credit report continues to reflect late payments. I am concerned about the accuracy of this reporting, as it misrepresents the current status of 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 explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my extreme frustration and annoyance regarding the persistent inclusion of a fraudulent account on my credit report. I have already disputed this account with another credit bureau, and they promptly rectified the error. However, despite their acknowledgment and correction, your bureau continues to report this fraudulent account, causing unnecessary distress and inconvenience XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
It has come to my attention that your bureau is still reporting a fraudulent account that has been previously disputed and rectified by another credit reporting agency. I find it incredulous that, despite providing evidence of the fraudulent nature of this account, it persists on my credit report, tarnishing my creditworthiness.

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 2023-12-18 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: MO

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. I believe that these inaccuracies are adversely affecting my creditworthiness, and despite persistent efforts on my part, the resolution of this matter remains elusive. 
I submitted formal disputes through your online dispute resolution platform, providing comprehensive details and supporting documentation to substantiate my claim for the removal of fraudulent items. Unfortunately, these submissions have not resulted in the desired corrections, and the fraudulent information persists on my credit report. 

The existence of these fraudulent items has had a severe impact on my ability to access credit, secure favorable interest rates, and engage in essential financial transactions. I have diligently followed the prescribed procedures, including contacting your customer service department on multiple occasions, yet the promised resolution has not materialized. 

I understand the importance of accurate credit reporting in maintaining the integrity of the financial system, and I am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused significant distress and hindered my financial well-being. 

In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Furthermore, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If decisive steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). Collections are illegal per 15 U.S. Code 1681c ( a ) ( 4 ). I did not give you permission to report on my consumer report. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any information to my consumer report. This highlighted entry must be deleted per 15 USC 1681c ( 4 ). I demand that this account be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief