vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 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: EQUIFAX, INC.
State: WA

Complaint narrative:
EQUIFAX SELLS CONSUMER 'S DATA WHEN THEY RUN A CREDIT INQUIRY On XX/XX/23 our bank lender we've been with for 32 years pulled our credit reports to screen us for a home loan. Within hours of our credit being pulled, random people/companies began texting & calling us ( so far 6 calls and 4 texts ) to solicit us in hopes of selling us their loan/mortgage product. 

One text we received at XXXX on XX/XX/23 from XXXX even read, and I quote verbatim, " Hello, this is XXXX. I'm a XXXX XXXX. I received your application. As a XXXX I'm going to beat anything you've been offered and close with 15 days. '' That's a complete LIE! XXXX never received any application from us! 

Our bank lender said this happens all the time when they run credit for customers. Our lender said that upon seeing a credit inquiry, Equifax sells the consumers information to lenders wanting to solicit people in the market for a loan. 

How can our personal information be sold/given to any outside party when doing something as personal as home loan? This is completely ridiculous. We are small business owners ... my wife was furious when her phone immediately began blowing up with these texts and phone call solicitations, while she was on the phone trying to serve a client. 

The allegedly CFPB was formed to protect consumers from deceptive or abusive practices, yet they know these absurdities are happening and do nothing about it. Think about the hours of inefficiency, miscommunication and deception these solicitations cause across millions of consumers every year... not to mention the outright fraudulent lie my XXXX example above committed, which should be pursued by the FTC and FCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: FL

Complaint narrative:
I HAVE BEEN DISPUTING INCORRECT LATE PAYMENTS ON MY CREDIT REPORTS FOR MONTHS NOW AND TO NO AVAIL THEY REMAIN IN ERROR. EQUIFAX, XXXX, AND XXXX FAILED TO PROPERLY DO AN INVESTIGATION TO HAVE THESE ERRONEOUS BILLING ERRORS CORRECTED. THE FIRST ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX WHICH IS FALSE BECAUSE MY PAYMENT WAS DUE FOR XXXX ON THE XXXX OF XXXX  I MADE MY PAYMENT ON XX/XX/XXXX IN THE AMOUNT OF {$400.00} WHICH MEANS THAT I WAS ONLY 3 DAYS LATE AND NOT THIRTY DAYS LATE FOR THE MONTH OF XXXX. THE NAME AND ACCOUNT NUMBER ARE : XXXX XXXX XXXX XXXX  I WANT THIS ACCOUNT TO BE UPDATED FOR THE MONTH OF XXXX XXXX DUE TO AN ERRONEOUS BILLING ERROR. THE SECOND ACCOUNT THAT IS REPORTING INACCURATELY IS XXXX XXXX XXXX. THIS ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX XXXXXXXX MY PAYMENT FOR THIS ACCOUNT IS DUE EVERY MONTH ON THE XXXX AND I PAID ON THE XXXX OF XXXX XXXX WHICH IS ONLY 5 DAYS PAST DUE ( NOT 30 DAYS ). THIS IS ALSO AN ERRONEOUS BILLING ERROR AND NEEDS TO BE CORRECTED TO PAID ON TIME. BOTH ACCOUNTS BEING REPORTED ARE A VIOLATION OF 12 CFR 1026.13. I HAVE ATTACHED PROOF FOR YOUR REVIEW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: OH

Complaint narrative:
For XXXX  months in a row ( XXXX and XX/XX/2023 ) the amount Mohela states on their website I owe is different than the amount of my income driven repayment plan. Both months when I have submitted a payment ON TIME they have continued saying I am past due on my account even though I paid an amount greater than the amount owed. The XXXX  month I thought I had made a mistake however this repeated the next month as well. At this point I have made XXXX payments ( XXXX XXXX and XXXX ) on my account this month all greater than the listed amount owed prior to or on the due date ( XXXX ) however the website continues to say I am past due. When I attempted to pay this amount XXXX TIMES the website makes me toggle over the loans I am paying and after I do so it gives me a different amount owed. XXXX DIFFERENT AMOUNTS, always higher than the " amount due '' and once paid I am continued to be past due. I have called twice, spent XXXX hours on the phone on XXXX and was disconnected when the " supervisor '' finally answered the phone and received no call back despite being told I would receive a call back if we were disconnected. I call again today on XXXX and am told I have a different overdue amount that yesterday despite not making any further payments and all XXXX previous payments had cleared my bank account prior to yesterdays phone call. I have now been on hold for XXXX hours and XXXX minutes waiting to talk to another supervisor. All I am trying to do is pay the accurate amount owed and no one there can even tell me how much that is.

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 2023-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX : Debt buyer- XXXX XXXX XXXX & XXXX Date opened : XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. XXXX allegedly bought my debt from XXXX XXXX XXXX, or they represent ( or work with ) XXXX  for communications purposes. I have never banked with or made an account with this XXXX  or XXXX XXXX XXXX. Both have harassed me to pay debt they couldnt verify. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U-verse Date opened- XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. Original creditor was internet service charging me for allegedly not returning their equipment. I walked into one of their multiple retail locations around the U.S. to return their equipment after I changed to a different provider. Although I wasnt given a receipt for returning their equipment, I was assured, in person, that my account was resolved once I made the return. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. 



All in all, none of these collections companies have failed to verify my debts, contracts with my original signatures, or my current address and the original creditors never received my consent to sell of my information to the collection companies.

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 2023-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received mails from XXXX different companies advising me that I have Collections accouts and asking me to make payment or payment arrangement and I refused because those are not my accounts, my personal information was stolen including my SSN, address, phone number and it's sad to tell you that my own sister did that to me. I've been trying to dispute it on the the XXXX bureaus for years now and no good news, the credit bureaus advised me to make this report and send it to them and if I'm lucky they'll be able to remove it because it's affecting my score and in general it's frustrating to be accused of something that you didn't do and they make you responsible for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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.

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 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 2023-11-07 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: Experian Information Solutions Inc.

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 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 2023-11-07 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: EdFinancial Services
State: MN

Complaint narrative:
I SENT PAYMENT OF {$1700.00} TO PAY OFF EDFINANCIAL ACCOUNT. 
THEY CASHED THE CHECK ON XX/XX/XXXX. I HAVE SENT THEM COPIES OF CLEARED CHECK, EMAILED THEM, AND SPOKE WITH SOMEONE ON XX/XX/XXXX WHERE I WAS TOLD IT COULD TAKE UP TO 39 DAYS TO MARK AS PAID. IT STILL SHOWS OPEN- NOW WITH A LATE PAYMENT WITH THE NEXT " PAYMENT '' DUE XX/XX/XXXX. I HAVE WORKED HARD TO GET MY CREDIT WHERE IT IS I WILL NOT LET THIS COMPANY XXXX THIS UP. IT SHOULD NOT TAKE THIS LONG TO MARK AN ACCOUNT PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: OneMain Finance Corporation
State: NC

Complaint narrative:
My personal information was stolen XXXX, a police report was made, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that XXXX accounts that I have no affiliation or knowledge of has been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681B. 

ACCOUNTS LISTED ARE : 1.XXXX XXXXXXXX XXXX XXXX, the account balance is {$4900.00} ( not sure when opened ) 2. ONE MAIN ( account is dating back to XXXX ) and unsure of the balance I also have an inquiry listed for a company called XXXX XXXX  from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX  Date of Inquiry XX/XX/2022

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 2023-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson capital system is reporting a debt no validated and it out of the statute of limitation. The agency is violating the FCA and they need to take this bad debt out of my credit report. I will report also to the XXXX  if this is not removed is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Security Credit Services, LLC
State: UT

Complaint narrative:
I was turned left and the light was red the car that was going strat at the intersection was going fast enough to total my car. At the time of the accident I was covered through XXXX who says I wasn't even the cop verified the insurance verification. It was towed to a lot. Apparently I was supposed to have it towedto my house. Security service said when it got to the lot they reposted it and sold it as a branded title. I had gap insurance but they charged me for the timekt was spend in the tow yard. I was not provided any information about it being demanded to file a XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/XXXX, I spent {$1200.00} for my rent and {$460.00} for a firearm on XXXX  Both payments were denied, and I had to call Bank of America to confirm the payments and unlock my card. The customer support said the failed transactions would be reimbursed 1-3 business days after they are fully processed. After my card was unlocked, I made the {$460.00} payment again. 

XXXX XXXX I still haven't received the reimbursement, but made the {$1200.00} payment again to avoid late fees or potential eviction. Today, XX/XX/XXXX, I STILL have not received the reimbursement, and calling customer support only resulted in me repeatedly be told I should have received the payment automatically. 

I asked for logs or proof of reimbursement but was not given that. I also found out transaction logs under debit/credit cards will be modified and remove denied transactions, leaving no record of those taken place. I have an email from my leasing office for the failed rent payment, but unfortunately no email for the failed firearm payment.

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 2023-11-07 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: AL

Complaint narrative:
After learning about the Fair Credit Reporting Act 15 USC 1681 section 602 I have attempted to reach out to the TransUnion to file an initial dispute. While chatting with XXXX XXXX right as we were getting into the dispute process the chat disappeared. At that moment I went and tried to submit an online dispute and an alert was sent that I could not place a dispute online it would have to be by mail or online. In accordance with the Fair Credit Reporting ACT. As the creditor has violated my rights under the 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 section 604 section. It also states that a reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666B a creditor may not treat a late payment on a credit card account an open end consumer credit plan as late for any purposes. 
However they are reporting and making it very hard to dispute these transactions.

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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX imposed a 3 % fee for a money transfer. Unbeknownst to me, Chase treated this as a cash advance, adding a 5 % fee and 30 % APR. The 5 % fee also applied to XXXX 's 3 % fee, resulting in an 8.8 % total charge above the transferred amount. Neither XXXX nor Chase provided clear information about these charges. I argue this is deceptive for the following reasons : XXXX. Non-Disclosure by XXXX : XXXX markets its service as free but charges a 3 % fee for credit card transactions. A reasonable consumer would infer that this fee is to cover the credit card processing costs that XXXX incurs. However, this is not explicitly stated, leaving room for the fee to be used for other purposes. This lack of transparency can mislead consumers about the true nature of the fee, especially when the service is advertised as free. XXXX. Misclassification by Chase : When a user employs a credit card on the XXXX platform, XXXX essentially acts as a credit card processor, facilitating the transfer between individual users. In this role, it is not providing a cash equivalent but rather a service similar to a credit card terminal at a retail store. Therefore, Chase 's decision to treat these transactions as cash advances, subject to additional fees and higher interest rates, is not aligned with the actual nature of the transaction. This misclassification can result in unjust additional costs to the consumer. XXXX. Junk Fees and Double Charging : If the 3 % fee charged by XXXX is not used to cover credit card processing costs, it becomes a superfluous charge, or a " junk fee. '' Similarly, if Chase applies a cash advance fee and then also charges XXXX for transferring the funds, it amounts to double-charging the consumer. Both scenarios can be considered deceptive practices and forms of unjust enrichment at the expense of the consumer. In summary, the practices of either or both companies may be deceptive and could potentially violate consumer protection laws due to lack of clear disclosure, misclassification of the transaction type, and the imposition of unjust fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
I'm submitting a complaint after receiving a large XXXX XXXX XXXX from my town. Mr Cooper was responsible for withholding and paying the appropriate amount of taxes from the escrow payments I make on my mortgage. It appears there is a significant shortfall. 

Ultimately my complaint is because I can not reach anyone in their loan servicing department to make sure this bill is remedied. Mr Cooper was subject to a cyber attack last week, and has withdrawn all its resources to speak to people calling about an existing loan with them. However you can still reach someone is their department if you'd like to get a NEW loan through them. Basically they'll give you the time of day if you'd like to become a new customer, but if your an existing customer they won't talk to you. 

I reach someone in the New Loan application department and she assured me someone would call or email me that day. It has now been XXXX day and I haven't heard anything, nor can you call to speak to someone about an existing loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OH

Complaint narrative:
My phone and XXXX Chime debit cards have been stolen over the course of the last XXXX months, beginning in XX/XX/2023. I filed multiple police reports and have reported the fraud to Chime Bank. They have continuously denied my claims. The total amount of fraud is now totaling {$7000.00}. 
The claim numbers and amounts are as follows : XXXX - {$2400.00} XXXX- {$3000.00} XXXX- {$1200.00} XXXX- {$300.00} Bank Name : Chime Account number : XXXX Routing number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Take a moment to review the attached documents. I kindly request the credit bureau to launch an investigation into these accounts, as they are inaccurately marking me as late despite my prompt payments.

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