vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank Executive, XXXX XXXX, is on the XXXX XXXX ( and has been for several years prior to these cards ) for Step Up for Students. Now, over XXXX Florida families are being blocked from utilizing our childrens educational scholarship funds without utilizing a US Bank issued and controlled card. This card deal was made to replace the already existing system of Step Up for Students gathering families bank information, and directly depositing funds into their accounts. Now, we are being coerced into opening a US Bank account, fees and all, on a scholarship that by FL law should not have fees attached. 

There are no physical branches in the state of FL, no way to electronically send funds from this card to our accounts. Instead, we must now bank at XXXX across the state. 

With the added information of being required to fax and mail in our XXXX and XXXX, this is a recipe for disaster.

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 2023-10-13 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: CA

Complaint narrative:
Equifax credit reporting agency 's shows fraudulent inquires AND ACCOUNTS, please remove all fraudulent inquiries listed below XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX ACCOUNTS XXXX XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Prior to XX/XX/2023, my mortgage was serviced by XXXXXXXX XXXX XXXX located in XXXX, XXXX My loan was sold to PHH in the normal clumsy manner with poor notification prior to transfer. 

Subsequent to the transfer, my insurance coverage that was renewed in XX/XX/2023 ( with yet another increased premium ) was deem inadequate. PHH provided me with a letter indicating that I had to get another insurance company that met their coverage standards. 

Problem, I have bundled coverage for my cars, and home that is affordable and adequate as I live in XXXX XXXX XXXX area XXXX feet above the XXXX XXXX in a well-maintained common areas with two fire stations within 5 miles. 

My chief complaint is that having an arbitrary assessment ( Non-AI ) will cost me much more money that my expenditure is now as I have been with this company for 30 years. Additionally, I am not responsible for the XXXX XXXX XXXX for insurance companies and Banks I deal with and to be jerked around is demeaning and condescending. I think such an assessment should have been made prior to my loan being transferred and with ample time ( XXXX yr ) to seek another carrier when the existing carrier has stated publicly that they are correcting the capital requirements noted by PHH. I sense that RESPA and Reg B is being trampled and notifications should have been made known prior to my loan sale and transfer. 

I an surely not the only person with this issue and sense XXXX  are being adversely targeted and senior and minorities as well. 

I can live with a remediation of the request in a 1 year cycle unless the existing carrier addresses their problem.

Note : My home has fire resistant siding and roof. My Neighborhood is well maintained and modern. Fire departments are nearby. 

My request is that more care should be performed prior to steering consumers to high cost carriers PHH prefers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: AL

Complaint narrative:
Ok there are XXXX collections on my credit report that are fraud and are not mine. XXXX is XXXX services for XXXX and the other XXXX collections are for sunrise credit services for charter communications that are fraud and are not mine. I want these XXXX collections taken off all three credit beure

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 2023-10-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I contacted Kohls Card Customer Service on XX/XX/2023 about a duplicate charge. I informed Kohls Customer Service that on XX/XX/2023, I made two payments in error on the due date, XX/XX/2023 and requested the refund to be sent to my credit card. Kohls Customer Service Representatives stated that, they dont have options to cancel the payment on their system. However, Kohls Customer Service Department suggested that I get in touch with my bank to dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: WI

Complaint narrative:
NOTICE OF OPT-OUT I have reached out to both XXXX, XXXX AND EQUIFAX in XXXX to these XXXX accounts. These reporting agencies kept both XXXX XXXX XXXX and XXXX XXXX XXXX AND XXXX XXXX is now considered income as I have the B copies for both companies. On XXXX website they state they do not report income. So what is the B copy of the 1099c considered? The IRS say that this is income so we these XXXX companies believe they are above the IRS Publication? 

XXXX, XXXX EQUIFAX are third party data collectors and instead of asking XXXX the XXXX XXXX they go to verify information from third party debt collectorXXXX. MY Rights are being interfered with and limited my abilities to obtain credit for my personal and household needs. I am injured and Damaged due to the negligence of these XXXX companies. I have applied for housing, credit and a vehicle however due to these companies interference i am being denied. 

I AM THE ORIGINAL CREDITOR THE ISSUER AND YOU ARE VIOLATING THE SOICAL SECURITY ADMINISTRATION POLICIES AS THIS IS THIER SOCIAL SECURITY NUMBER AND I WILL GET THEM INVOLVED. 
THIS IS IDENTIY THEIF I GAVE YOU NO CONSENT TO POST THESE THINGS AND I OPT-OUT OF THE REPORTING OF THESE LISTED COMPANIES ON MY CONSUMER REPORT. 
CFPB please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion landlord eviction reporting claims on credit report false and misidentification causing punitive damage and ability to receive housing fairness

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 2023-10-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I applied for a credit product on or about XX/XX/25 and was denied. There is no reason why I would reapply on or about XXXX. That inquiry is a error on the part of the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: LEXISNEXIS
State: KS

Complaint narrative:
After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: PA

Complaint narrative:
THIS ACCOUNT XXXX  XXXX XXXX IS FRAUDULENT. ATTACHED IS A FTC REPORT.

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 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
When I began XXXX XXXX in XXXX, I took out a {$20000.00} Direct Unsubsidized loan at XXXX percent interest rate and a {$2000.00} Graduate PLUS loan at a XXXX percent interest rate. I have attached the original loan documentation for this as Exhibit A. On XX/XX/XXXX, I paid the entire {$2000.00} balance remaining on my Grad PLUS loan, as demonstrated by the loan financial activity summary attached as Exhibit B. Before the end of the payment pause, I made further payments to my XXXX XXXX loan for a remaining balance of {$8100.00}. On XX/XX/XXXX, MOHELA sent a payoff letter confirming payment of my Grad PLUS loan, attached as Exhibit XXXX Yet on XX/XX/XXXX, I received correspondence from MOHELA XXXX that I had a {$2000.00} balance on my Grad PLUS loan, which was past due ( Exhibit D ). My account now reflects a {$2000.00} decrease in the balance of my Direct Unsubsidized loan ( down now to {$6100.00} ) and a sudden resurrection of the paid-off Grad PLUS loan with interest tacked on so that my total balance increased to {$8200.00}, attached as Exhibit XXXX XXXX never made any request to reprocess payments or authorized any action that would take my Grad PLUS loan ( with a higher interest rate ) out of payoff. When I called in to ask what happened, following an XXXX minute hold, a MOHELA representative acknowledged that the servicer had committed a serious error and taken it upon itself, without my request or authorization, to reprocess the XXXX XXXX payment of {$2000.00} to the Direct Unsubsidized loan, not the Grad PLUS loan ( with a higher interest rate ). However, in order to get this fixed, MOHELA required that I make a request to have the XXXX XXXX payment reprocessed for the Grad Plus loan -- as if I had not directed the payment to that loan in the first place. This is an attempt to cover up their serious error and prevent regulators from finding out about this, at best, severe lapse in compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Hello, I pulled my credit report today XX/XX/23 and noticed my Hyundai account was still open and showed a past due amount. I leased a car from Hyundai which was totaled in XX/XX/2023. 

When I called Hyundai to get information on my account the automated system informed me my account was paid in XX/XX/XXXX by my insurance company. A balance of {$0.00} shows on my Hyundai online account. I would like my credit report updated to reflect the correct information. 

Thank you, 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 2023-10-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
On XX/XX/2023 I received a credit notification that a collection had been placed on my account by XXXX XXXX XXXX Credit Management , INXXXX for a debt owed. 

The debt in question was unauthorized and done so in a fraudulent manner without my knowledge or consent. 

I had a similar issue occur a few months back with XXXX XXXX and filed a police report regarding the identity theft and fraudulent charges. 

I am not legally responsible for this debt and request it be removed from my credit report immediately. 

I have filed disputes with XXXX XXXX, and XXXX. I will also be filing formal CFPB complaints against XXXX and Credit Management , INC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Universal Account Servicing, LLC
State: NY

Complaint narrative:
I joined the program XXXX XXXX XXXX on XX/XX/2023 with XXXX XXXX to get trained how to work in XXXX and XXXX XXXX. Her company request for you to get a financing to pay the program for a value of {$160000.00}, and financing {$90000.00} for a monthly payment of {$190.00}. the money will cover your training, support and starting your business with XXXX. I got only 2 classes and had paid {$1200.00}. 
I heard from my trainer that they went bankrupt, but not one had notified us. Some of trainers formed a group called XXXX XXXX, and stated they had nothing to do with XXXX XXXX XXXX, and only asking foe {$1.00} to continue using the platform. 
I got an Email for the first time from their third party XXXX XXXX XXXX Universal Account Servicing , LLC, sending me my account and details to open their [ platform. I opened and all my deductions were there, but they were asking to pay thru there, I clicked, and it said that I was not enrolled for autopay. I call them at XXXX and a girl told me that I was not enrolled in autopay. I told her that the Company XXXX went bankrupt and I could not continue paying. She told me to call another number XXXX and a man answered and hung the phone in the middle of my conversation. Then hung again. I notified my Bank to stop withdrwals. Be carefull there are a lot scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not authorize any of the accounts listed below to obtain a copy of my report. For I am a victim of identity theft. I DO NOT HAVE A CONTRACT WITH THESE COMPANIES. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have no association to this accounts origination or use. I never authorized this account opening. But this account is on my credit report and has been affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This my 3rd complaint and matter is still not resolved. 
The bank keeps thanking me for being a preferred client but treats me like a cockroach whose time is worthless. 

For the XXXX time my card was blocked. And fraud department DEMANDS. I go to a branch with 2 forms of ID Even though I already went to the bank with 2 forms of ID twice, but they didnt bother notating it properly and I dont see how it is my problem thar their own team cant do the job

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: FL

Complaint narrative:
XX/XX/XXXX, my insurance company XXXX dropped me because it said I got tickets. I did get a speeding ticket in XXXX but did not understand how I would be dropped for that. I moved to XXXX and reported the ticket and my Insurance was cheaper. Then they pulled my CLUE report and FL DMV report and my insurance went up due to a combined accident and speeding ticket in South Carolina. I was never in an accident, so I requested my Clue report and dmv report. It showed a speeding ticket causing an accident and a {$1000.00} insurance claim. I informed clue this was not me. I contacted the SC DMV, they verified it was a mistake and removed it from my record. They sent me a letter saying ut was removed from my record. I sent the letter the FL DMV and they pulled my record, it was removed so they took it off my record. I contacted XXXX, offered to send them the letter, they said they would investigate and get back to me around 30 days. I have never heard from them again other than the request for my record. My 6 month policy has run its course I go to renew thinking this would be gone XXXX  is still showing that I have this {$1000.00} claim on my insurance. My insurance went up another {$500.00} for the next 6 month period. XXXX  is ruining my driving record and costing me a lot of money based on incorrect information. And is sharing it with all insurance companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: CA

Complaint narrative:
On XX/XX/23, I was contacted by XXXX at XXXX. The man on the phone identified himself as XXXX with Plaza Services. XXXX stated how just reached out to the XXXX XXXX XXXX XXXX ( my job ) in order to contact me about a matter in their offices. It should be noted that I have received text messages about a matter placed in an office from XXXX and to contact XXXX received these messages on my personal and work phone. XXXX went on to state that I had a debt with XXXX and it is in prelitigation and a judgement is pending and then he went on to offer payment options to resolve the debt. When I questioned XXXX about contacting my job over a personal debt and making threats over lawsuit is illegal, he made this statement " How's your credit because once this reports you want like it no more ''. XXXX went on to state that he knows I just brought a house and a car and that I need to pay my debts and that my credit will be ruined once he reports this debt. I informed XXXX I will contact the CFPB and asked he has legal right to collect in California and if he is bonded. XXXX than hung up on me. 

Plaza Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: GA

Complaint narrative:
To whom this may concern i have recently gone over my credit report and spoken with an collection agency that is reporting to my report the agent i spoke with is XXXX from IQ DATA INTERNATIONAL, also i have gone over the itemized billing with XXXX and he stated that i was being charged {$3000.00} for a termination fee, which i have in written documentation that it is supposed to be waived, so that is inaccurate also upon checking IQ DATA original amount reporting to my credit report is {$4500.00} of which {$3000.00} as the termination is not supposed to be there. i also received the itemized breakdown from XXXX at XXXX XXXX XXXX which states the same also with the mailed letters that show the itemized breakdown. as per the recorded call majority of my balance is being charged based on a termination fee of which I'm not supposed to be charged for due to moving because of mold in apartment, as per FCRA 15 U.S. Code 1681e ( b ) states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 



which means this collection needs to be removed/deleted from my report due to the inaccuracy of the reporting. please remove Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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