vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: CT

Complaint narrative:
I received a copy of my credit report and discovered several inaccuracies that are being reported in error, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically : Accounts Reported in Error : Accounts such as those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurately listed. These accounts do not belong to me and are incorrect, misleading, and inaccurate. 
According to FCRA Section 623 ( 15 U.S.C. 1681s-2 ( b ) ), creditors must cease reporting disputed accounts unless they can provide definitive proof that the accounts are accurate and belong to me.

Unauthorized or Misreported Hard Inquiries : Inquiries from entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are appearing on my report without proper verification. 
Under 15 U.S.C. 1681b, hard inquiries must be authorized by the consumer. I have not authorized these inquiries, and no evidence has been provided to confirm their legitimacy.

Violation of FCRA Reinvestigation Requirements : As per 15 U.S.C. 1681i ( a ), credit reporting agencies are required to investigate disputes within 30 days. Failure to properly investigate and verify these items or to remove unverifiable or inaccurate entries constitutes a breach of the law. 
Request for Resolution : I have demanded the immediate reinvestigation of these accounts and inquiries, with the expectation that any unverifiable or inaccurate information will be removed from my credit report.

Additionally, I have requested an updated credit report and that notices of corrections be sent to any entity that received my report in the past six months, as required under 15 U.S.C. 1681i ( d ).

In summary, my credit report contains multiple errors, including inaccurate accounts and unauthorized inquiries, which violate my rights under the FCRA. I am seeking timely resolution, including the removal of these items, as mandated by law.

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 2024-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: CO

Complaint narrative:
Since XXXX of XXXX I have been paying {$19.00} a month for a " Moneylion Credit Builder Plus Loan '' membership. 

I was able to use the credit builder plus loan only twice. XXXX of XXXX and XXXX of XXXX. 

Since XXXX of XXXX, when applying for the credit builder plus loan I get a message that states the loan is not available in my state, Colorado. 

I reached out to money lion to get a refund for the months that I have been paying a membership fee for a program that is not available in my state ( 24 months total ) and they have refused to refund any of my membership fees. 

I feel I am being cheated and stolen from by Moneylion and charged a monthly membership fee for a services NOT RENDERED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Consumer Financial Services Solutions, Inc.
State: KY

Complaint narrative:
Back in XXXXXXXX XXXX XXXX I received a call saying they had negotiated with one of my credit cards but needed an extra XXXX deposited so it could be approved. I borrowed the money and put it in my account. 4 days later they took it out of my checking account but did put it back in. THat put me over XXXX in my dedicated account. I went out a few days later and checked to see which card was negotiated and how much payments would be. To my surprise there was no negotiation. I then looked at my dedicated account and noticed there was money missing. I called and they said the negotiator canceled it and that the money missing was taken for Beyond Finance fee. Then in XXXX I had over XXXX in my dedicated account. When I looked XX/XX/XXXX I noticed I had XXXX dollars in there. I asked them again where that money went and they said it was for their fees for negotiating. I have paid in over XXXX dollars in the last year and a half and only XXXX cards have been taken care of totalling a little over XXXX dollars. That means for settling XXXX debts they have taken over XXXX dollars from me. Why would they take over XXXX for negotiating debt when nothing has been negotiated in over a year. THey paid to XXXX XXXX XXXX XXXX cards since XXXX of XXXX and the last payment was made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in resolving a financial concern with my CareCredit account, underwritten by Synchrony Bank. Despite maintaining my account in good standing for several years and consistently making on-time payments, the high interest rate associated with this account has made it increasingly burdensome to reduce my outstanding balance. 

Given my strong record of account management, I believe an adjustment to the interest rate is both reasonable and fair. A lower rate would help me manage my finances more effectively while continuing to meet my obligations to Synchrony Bank. 

I am seeking the CFPBs assistance in facilitating a resolution to this matter. A fair outcome would involve Synchrony Bank evaluating my account and offering a reduction in the interest rate to reflect my demonstrated reliability and commitment as a customer. 

Thank you for your time and consideration in this matter. I look forward to your assistance in resolving this issue.

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 2024-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
On XX/XX/year>, I fully paid off my mortgage with Newrez and expected the refund of my escrow account balance, which totaled {$670.00}. As of today, nearly three months later, I have yet to receive this refund. 

I have made numerous attempts to resolve this issue directly with Newrez. My efforts include multiple phone calls on 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  XX/XX/XXXX. During these interactions, I repeatedly inquired about the status of my escrow refund but received no clear resolution.

On some occasions, I was informed that the refund would be issued via check and mailed to my address. On other occasions, I was told the refund would be processed via ACH transfer. Despite these assurances, no refund has been received to date.

Adding to my frustration, I was repeatedly told by Newrez representatives that my bank account details were incorrect, despite having used the same account to pay my mortgage for the past five years. I confirmed my bank account and routing numbers on multiple occasions during calls and chats, yet the issue remains unresolved.

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 2024-11-25 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-25 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: TX

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-11-25 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: NY

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I tried to withdraw my funds from Marcus by Goldman Sachs, I answered all of their identity verification question and they placed my money on hold for no reason at all. They are holding my money unlawfully and I will not be able to close on a mortgage because of this. The bank is very close to cancelling my mortgage and said they will do so in the next few days unless I provide my funds. 

I initiated a wire transfer from my account on XX/XX/year> and they are holding my money and all they are saying that it was placed on hold. They are not giving me an explanation as to why and keeping promising me that a supervisor is going to call me back but no one ever does.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I do not have dates. 

This matter has all transpired in the last several months. I had XXXX student loans with the XXXX. XXXX XXXX. I consolidated those loans, and they were paid off by the XXXX. XXXX XXXX. The loans with XXXX totaled a little over {$15000.00}. The loans with XXXX have been paid off. All my credit reports : Equifax, XXXX and XXXX still show my XXXX XXXX accounts with balances. I just recently refiled a dispute with all three credit bureaus and none of them have reduced the balances to XXXX. So now, in addition to the $ XXXX from XXXX XXXX I now have the additional {$15000.00} on XXXX. That is over {$30000.00} in student loans. 

I have contacted XXXX who said it was XXXX that is supposed to remove this. I contacted XXXX who essentially said it's not their job. I have contacted the credit bureaus at least twice. Today, Monday, XX/XX/XXXX, XXXX suggested I file another dispute. I am trying to get business funding and can not go forward until this matter is resolved. Each of these bureaus had detailed information and the phone number for XXXX. There is absolutely no reason why they should not have resolved this matter by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: 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 explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 explanation
Consumer complaint received 2024-11-25 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: LEXISNEXIS
State: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
XXXX XXXX Company : Shellpoint Mortgage Loan # XXXX Account holder : XXXX XXXX XXXX Subject property address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX Shellpoint Mortgage was my mortgage servicing company for the above mortgage loan and subject property. Earlier this year, I found out from the payment history on shellpointmtg.com that Shellpoint Mortgage had been charging me monthly late fee of {$38.00} from XX/XX/XXXX to XX/XX/XXXX because Shellpoint Mortgage did not apply my XXXX XXXXXXXX mortgage payments properly on my mortgage account. With that said, Shellpoint made the error and kept charging monthly late fee on my mortgage account for a year and also treated my mortgage account 30 day payment behind. I filed a complaint to Shellpoint Mortgage about the issue and their investigator did not handle my complaint seriously and send me a letter stating the late fees were correct and I was behind my mortgage payment. I have made my mortgage payments on time and I shouldnt get charged for the late fees and got reported to credit bureaus I was payment my mortgage late. On XX/XX/XXXX, Shellpoint sent me a letter that they have sold my mortgage servicing to XXXX XXXX XXXX and my account is still showing one month payment behind the schedule. I really hope that CFPB can help me to solve the issue with Shellpoint Mortgage so the issue can be corrected. Thank you for your time and assistance in advance. 

Best regards, 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 explanation
Consumer complaint received 2024-11-25 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
These are inquiries i do not recognised and I do not have a credit card even from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America filed a dispute for what I considered a fraudulent transaction charge on XX/XX/year> from XXXX a national and international company. The phone number associated with that charge was a disconnected number. I mistakenly thought that an international company would not be deceiving with a disconnected phone number. Neither the bank or XXXX provide a correct phone number so I resubmitted my claim for over {$670.00}. After several months BoA said that they received documentation of the charge and what it was for. They said it would be mailed and couldn't email it. That took even more time. In XXXX I found out it was for an automatic billing following a free trial from a year or XXXX ago that is automatic if it isn't cancelled. Despite that fact that I requested it be reversed in XXXX, they claim that I can receive NO reimbursement because the XXXX attempt to cancel and reverse the charge was not formally to XXXX but through my bank. Because it has taken until XXXX to find out why it was charged and resubmitted through BoA as a dispute instead of fraud, I have been informed this week that BoA combined with XXXX will not return any of the charge that I found out in an XX/XX/XXXX letter from BoA, that the charge was an automatic charge for a " Premium Subscription ''. I didn't know I had this " XXXX Subscription '' and apparently didn't cancel it after trying it a year or XXXX ago. I am certain I am not alone in being tricked with this bait and switch but I expected my bank to protect me since they listed the phony disconnected phone number that kept me from contacting the company directly. The bank would never divulge the correct phone number that they said was exclusive to the bank, but not the customer. At the least, I should be entitled to a pro-rated refund from when the Bank first sent my request when I listed it as a fraudulent transaction and a phone disconnected phone number. That certainly confirmed that I didn't want what they were selling whatever it was. It took longer that 60 days to find out what it was and the bank would not or could not provide documentation for months that it was a subscription. In essence, they colluded with XXXX to steal almost {$670.00} through my credit card.

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