vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: NC

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

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 2024-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I requested for full financial disclosure in a single document explaining how they arrived at the full final balance include accrued interest and daily interest rate charged. I also requested for settlement letter to be sent to the lender ( despite not agreeing with the final loan balance ), but the customer service repeatedly stone-walled my request, denied it outrightly, rehashed same denial response, some even laughing at my complaint, saying this loan will continue to multiply till it goes above XXXX and will continue. The original loan amount is {$22000.00} ( UAS account number -- XXXX - XXXX ) and final balance on loan is {$51000.00}. I have attempted to make settlement concerning this loan but the customer service ( offshore in the XXXX and on shore here in XXXX ) have all refused or outrightly said no settlement can be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-12-03 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I applied for a medical payment card in XX/XX/year> due to having XXXX and needing $ XXXX at the time of the XXXX in order to proceed. I was under the impression and advised that I would have a set interest rate on this card and would be charged on a monthly basis a finance charge until the account it paid in full. I have been making my monthly payments and got the balance down to approximately XXXX when all the sudden I went to make a payment and the balance was approximately XXXX. I had tried many times to contact someone with XXXX bank with no success. When I was finally able to speak to someone they advised that the interest was due to me being signed up for a promotion. I advised them that I would of never agreed to such promotion as I know that there was no way that I would be able to pay that balance as I am a single mother and know my finances. the woman that I spoke with advised that I was signed up for that promotion at the time I applied for the card and there was nothing that could be changed about it. I advised her that they can not just sign someone up for something without getting some kind of consent, and because I know my ability to pay, I would never agree to anything like that cause it creates a domino effect. I told her I wanted this corrected as I did not agree to this promo. she adv that I was signed up that way and they are not changing anything on my account. I am now reaching out to you as this is creating a huge financial burden and causing issues with my credit as well as getting crazy fees every month as it has taken me over the credit balance. I simply want the account changed to how it was suppose to be where the interest was charged every month starting when I first used the card and all fees waived that should of never been charged to my account, all because they set my account up in a way that was not agreed upon by me. I also had not way of knowing that there was an issue before hand as I never received statements from them in the mail like they said I was supposedly getting and threw the card away as I had no intention of using it for anything other than that 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 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My husband and I bought our new construction home in XX/XX/XXXX. We prepaid our property taxes on the unimproved property upon closing, and were told by our lender that we would not get a tax bill until XXXX. In XXXX of XXXX, we received notice from our mortgage servicer ( Specialized Loan Servicing ) that property taxes had been paid on our behalf in the amount of {$6800.00}. This was an incorrect payment as this was A ) the tax amount for the entire parent parcel of land our house sits on and B ) already paid by the XXXX corporation that owned the parcel 3 weeks prior. We were eventually refunded the money by XXXX of XXXX. To this day, we have not been told by the servicer why this payment was ever taken out of our escrow account. 

In XX/XX/XXXX, our servicer changed platforms to Newrez, and our mortgage was taken from our bank account twice. I had to reach out to customer service regarding the error, and it took 5 days for our refund to hit our account. 

In XXXX of XXXX, an annual escrow analysis was conducted and the incorrect property tax information was used from XXXX due to the situation described above. A significant escrow shortage was calculated, and as a result our monthly payments increased by about {$700.00} per month. We updated our tax information with Newrez and requested a new escrow analysis to reflect the correct tax amount. I was assured on XX/XX/XXXX by a customer service representative that this would be done by or before XX/XX/XXXX, and we would no longer have recurring payments taken out until this problem was resolved and the correct payment amount is reflected. On XX/XX/XXXX, the amount of {$3000.00} was taken from our bank account after recurring payments were supposedly stopped, and on a call with Newrez customer service on XX/XX/XXXX, I was told that the escrow analysis had not been conducted and recurring payments on our account were still active. When I asked about the payment that had already come out, I was told that nothing can be done until the new escrow analysis will supposedly be complete by XX/XX/XXXX or XX/XX/XXXX. Even then we were told we could " request '' a refund, but was not given a guarantee that we would get the difference of the two payments ( the usual amount of {$230000.00} and the incorrect amount of {$3000.00} ) back.

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 2024-12-03 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: MI

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

Compliance procedures were NOT followed in any of these accounts listed and therefore they must be deleted.

I am demanding PROOF that I was notified of these acts clearly outlined within the FCRA or I will have no choice but to hold these companies liable under 15 USC 1681n and 15 USC 1681o in seeking maximum monetary damages in this matter. 

Please delete every account that can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was extremely concerned to discover that multiple unauthorized inquiries from your company have appeared on my credit report. This is negatively affecting my credit and has caused me unnecessary XXXX XXXX frustration.

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 2024-12-03 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: VI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Request for Deletion of Unauthorized Hard Inquiries Dear Trans Union Team, I am writing to formally dispute unauthorized hard inquiries that are present on my credit report. These inquiries were made without my consent and do not meet the permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ). 

Details of the Disputed Hard Inquiries :. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I have not applied for credit with these creditors. As such, they violate the FCRA, specifically 15 U.S.C. 1681b, which states that consumer reporting agencies may only furnish a consumer report for permissible purposes.

Violations of Federal Law : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b : Requires that consumer reporting agencies obtain written consent for hard inquiries.

15 U.S.C. 1681i : Mandates that credit bureaus investigate disputes and remove inaccuracies from credit reports.

To assist in your investigation, I have attached A copy of my government-issued ID for verification.

I kindly request that you : 1. Investigate the disputed hard inquiries listed above.

2. Remove these inquiries from my credit report.

3. Provide me with a written response detailing the outcome of your investigation within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. If you need further information, please contact me at [ XXXX ] or XXXX Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Account # XXXX I have been a victim of " Identity Theft '' twice ( XXXX and XXXX ) whereby my credit report has been SEVERELY COMPROMISED to the point where my credit score dropped more than XXXX points! I have reached to out to Santander, in hopes for their understanding as well as to seek a REFINANCE of my current AUTO LOAN. I need to obtain a lower interest rate as well as lower monthly payment rates. 

I can provided your office with all the necessary documentation i.e. Police Reports Federal Trade Commission reports and Banking information where my credit cards were ALL PAID IN FULL! No Delinquents! No Charge Offs! No Remaining Balances! and No Settlements for a Lesser amount! In fact there should literally be NO NEGATIVITY on my report whatsoever!. 

The attached document demonstrates XXXX 's Reporting ALL NEGATIVE, INACCURATE and INCORRECT information! ( see attach file )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I can not get ahold of Mohela to speak about my account. Their phone tree routes to dead ends and hold times are intentionally long. Any messages I send receive general auto responses or go unanswered. I believe there is fraudulent activity on my account by Mohela and they are intentionally unanswering my correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: MortgagePros, LLC
State: MS

Complaint narrative:
*Subject : * Complaint Against MortgagePros and their Employee XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to formally report deceptive practices by MortgagePros , specifically involving one of their employees, XXXX XXXX XXXX , a senior mortgage banker. My experience with this company has left me in a difficult financial situation due to misleading information provided during the mortgage refinancing process. 

On XX/XX/XXXX, I refinanced my mortgage with XXXX, and XXXX XXXX assured me of several key points that influenced my decision : 1. *Tax Payments* : He claimed that my taxes for XXXX and XXXX were paid, but I have now been informed that I owe an accumulated bills due to this being untrue. 
2. *Refund of Mortgage Payments* : XXXX XXXX promised that my mortgage payments of * $ XXXX for XXXX and XX/XX/XXXX would be refunded, which has not occurred. 
3. *Appraisal Fees* : He assured me that my appraisal fees totaling * $ XXXX would be refunded, which has also not happened. 
4. *Escrow Balance* : XXXX XXXX stated that my escrow balance of over * $ XXXX would be paid at the closing of the mortgage, which did not take place. 

After realizing these discrepancies, I attempted to contact XXXX XXXX for clarification, but I have faced long hold times and unreturned calls. For over a week, I have been unable to receive any response from him or other customer service representatives. 

Due to these false assurances, I am now facing severe financial distress and potential bankruptcy. I was not in a rush to refinance, but I felt pressured by the promises made by XXXX XXXX. 

I believe that these deceptive practices warrant investigation, and I am requesting your assistance in addressing this matter. Below are the details of my loan application for your reference : - *Date Issued* : XX/XX/XXXX - *Closing Date* : XX/XX/XXXX - *Disbursement Date* : XX/XX/XXXX - *Settlement Agent* : XXXX XXXX XXXX  - *File* : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - *Appraised Property Value* : {$410000.00} - *Borrower* : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - *Lender* : MortgagePros , LLC - *Loan Term* : 25 years - *Purpose* : Refinance - *Product* : Fixed Rate - *Loan Type* : Conventional - *Loan ID* : XXXX - *MIC* : XXXX Thank you for your attention to this serious matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
What happened ( statement of pertinent facts ) : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX on XX/XX/XXXX under account number ( XXXX ) A auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$5100.00} under account # ( XXXX ) that appears related to the aforementioned Auto loan account opened at XXXX XXXX. 

Debt XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$1700.00} under account # ( XXXX ) A Hard Inquiry XXXX XXXX XXXXXXXX ON XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On Friday, XXXX, I had approximately {$85.00}, XXXX in my Wells Fargo checking account. Also on that same day, Friday, XXXX, I purchased a {$50000.00} CD from the same checking account, which should have left a balance of approximately {$37.00}, XXXX. 

On Monday, XXXX, Wells Fargo sent me an email stating that I had a balance of NEGATIVE - {$12000.00}! 

I called Wells Fargo at approximately noon XXXX on Monday, XXXX to try to get this issue resolved. I again called Wells Fargo at approximately XXXX XXXX  on the same day, Monday. They said the issue would be resolved at XXXX  the same day. 

Today is Tuesday, XXXX, and I still have a NEGATIVE - {$12000.00} balance and NOTHING has been resolved nor has there been any communication from Wells Fargo. 

All funds and transactions were internal to Wells Fargo and my own personal 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 non-monetary relief