vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report because it is hurting me to obtain ability to getting credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: SC

Complaint narrative:
Last year in XXXX I discovered that a person was linked to my cash app account and has been using and stealing from my account please help me with this issue I have a XXXX so I don't understand some things Cash app is aware of the puppeteering and identity theft thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nair & Levin, P.C.
State: CT

Complaint narrative:
I went to XXXX XXXX on XXXXXXXX XXXX XXXX Checked in XXXX XXXX XXXX stayed a night and went home. Less than a month later I get a bill that states I owe {$20000.00} plus another {$8000.00} for the XXXX and my insurance isnt accepted. Mind you I had already went to XXXX XXXX 3 times to get an XXXX XXXX handed the secretarys my insurance card, made sure everything was all set and went on my way. Those 3 times I went there didnt get denied until AFTER I had my child there. Not only that, but my XXXX XXXX XXXXXXXX XXXX ) had checked if my insurance was accepted by XXXX XXXX BEFORE any of my visits there and I was told it was. I did my due diligence I asked the right questions and yet Im getting punished for someones mistake. Iv tried to contact them numerous times nobody could give me an answer as to what happened. I asked for an itemized EOB printed and mailed to me, and I would only received the summarized one. This has been over a year of me trying to get answers with no help. I will call the insurance commissioner and my lawyer to resolved this matter, since nobody on XXXX XXXX end is capable of resolving this matter themselves.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/2023, I initiated what is known as a " reversal '' of a XXXX deposit to my Cash app XXXX wallet. Cashapp informed me it was unable to accept it due to unspecified " security reasons. '' I reversed it to my XXXXXXXX XXXX wallet. Upon inspection, it was sent to coin base with less than ten percent of the original fee. XXXX shows it as received. Cash app confirms it was received by XXXX network on the tenth. However, I still do not have access to the funds. XXXX has stated it has simply not been confirmed and to contact cash app. Cashapp states to contact receiving wallet. My tax documents from either sight don't show this amount in any of the 1099s for 2023. I do not know who I need to contact regarding this. It is the industry standard that after a few weeks at most the funds will be kicked out of the mempool and would need to be resent. It has been three months. I have contacted both companies numerous times seeking resolution. Exact dates and times would be excessively burdensome due to the sheer amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: WA

Complaint narrative:
On several occasions, I asked XXXX/TransUnion, to correct the matter. They have let XXXX XXXX, to falsely and fraudulently report false information to my consumer report. They have continued to let them destroy my credit, cause me sleepless nights, and other hardships by reporting 120 days late when in fact I have a document and proof that they received {$20000.00} on XX/XX/XXXX, {$4600.00} on XX/XX/XXXX, and XXXX on XX/XX/XXXX. Today 's date is XX/XX/XXXX, with 3 months of consecutive payments it's impossible for me to be 120 days late!

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 2024-02-21 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The negative items came back verified and are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The negative items came back verified and are 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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I called and provided 15 US Code 1681b and put in a disputed asked XXXX and Experian to remove the XXXX XXXX from my report because I never provided written consent. After my dispute was entered my score dropped XXXX points. Both agencies act like they were not familiar with the code, switching my words around.

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 2024-02-21 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:
This will now be my third attempt in resolving inaccurate information being reported to my credit in direct result of identity theft. These accounts are unverifiable and affecting my ability to obtain lines of credit. This information reporting to my profile is in violation of the FCRA laws.

I have the right to privacy, and reporting information without my written consent is in violation of 15 USC 1681B Furnishing account in direct result to my credit profile is in violation of 15 USC 1681 c-2

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 2024-02-21 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: GA

Complaint narrative:
This will now be my third attempt in resolving inaccurate information being reported to my credit in direct result of identity theft. These accounts are unverifiable and affecting my ability to obtain lines of credit. This information reporting to my profile is in violation of the FCRA laws.

I have the right to privacy, and reporting information without my written consent is in violation of 15 USC 1681B Furnishing account in direct result to my credit profile is in violation of 15 USC 1681 c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: OR

Complaint narrative:
On XX/XX/24 I withdrew all funds from my account with PNC Bank. 

On XX/XX/24 I called to close the account, at which time I was informed that any interest accrued during the month of XXXX is forfeited if I close the account before the end of the month. This is the basis of my complaint. I am entitled to any interest accrued during the month in which I close an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BOEING EMPLOYEES' CREDIT UNION
State: CA

Complaint narrative:
I applied for a Credit Card online from Boeing Employee Credit Union and provided proof of income with last two years of W-2s and current Paystubs for recent month. Was Denied Credit and in Disclosure Letter it stated Unable to verify Income. Was rejected based on Race as I have stable employment along with XXXX  Score of XXXX. Want recourse for this denial on credit based on Race.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
There is a debt collection company by the name of DEBT RECOVERY SOLUTIONS reporting an alleged debt on my consumer reports. I, XXXX XXXX am unfamiliar with this debt. I was not given enough information regarding this debt, and I was not given the opportunity to dispute this alleged debt. The debt collection company is ruining my reputation per 15 USC 1692d ( 1 ) parking this alleged debt on my consumer report with all three consumer reporting agencies. This company is also giving off implications that they may be an attorney. A violation of 15 USC 1692e3. This company is also not licensed to collect in the state of Tennessee. A violation of Tennessee Code 62-20-105. This is abusive deceptive behavior. This company also has a name that indicates that they are in the debt collection business. This is a violation per 15 USC 1692f ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
My mortgage was transferred from XXXX to Mr. Cooper in XX/XX/XXXX. Prior to the transfer, my taxes and insurance were paid by XXXX through an escrow account. I received multiple delinquent tax notices from the XXXX of XXXX and attempted to resolve the issue by calling XXXX on at least four occasions. I filed a Complaint against XXXX with the CFPB on XX/XX/XXXX. XXXX responded on XX/XX/XXXX explaining their error but assuring me that the taxes and all late penalties were paid. The Complaint and XXXX 's response are attached as a PDF. I confirmed this with the XXXX of XXXX. 

Once I was granted access on or around XX/XX/XXXX, I created a Mr. Cooper account and logged on to pay my mortgage. I then discovered that my monthly payment was raised from {$1900.00} to {$2400.00} without explanation. When my mortgage was transferred to Mr. Cooper, I received a package in the mail explaining my rights and guarantees. XXXX of those guarantees was that Mr. Cooper would not raise my payments. Since purchasing my house in XXXX, my payment has always been {$1900.00}. Now, Mr. Cooper is charging me an extra {$490.00} without explanation. 

The {$2400.00} that Mr. Cooper attempts to charge me consists of {$900.00} in escrow. There is no explanation on the website for why my escrow payment would go up. I checked my account on XXXX and Mr. Cooper 's websites to try and ascertain how much either XXXX or Mr. Cooper paid in late penalties for filing my XXXX of XXXX taxes nearly 3 months late. I believe that Mr. Cooper is attempting to charge me for the escrow shortage that resulted when they ( or XXXX ) had to pay late penalties on my taxes. Those late penalties are the responsibility of the lending company ( or their predecessor ) who were obligated to have my taxes paid on time. 

Mr. Cooper does not allow for partial payments, so I am withholding my entire XXXX payment until this is situation is resolved. 

In addition to getting this increased payment issue solved, I would like for Mr. Cooper to remove my escrow account and allow me to pay my own taxes and insurance. 

Thank you for your assistance on this matter. I truly appreciate everything the CFPB does to protect consumers from these poorly run companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a follow-up complaint regarding Equifax Information Services LLC 's unauthorized and deceptive practices in handling my request to remove information from my Equifax credit XXXX related to human trafficking. Despite submitting valid documentation in accordance with federal law, including a Victims Determination Letter from a recognized XXXX, Equifax has declined my request and misrepresented their attempts to resolve the matter. Equifax 's actions violate 12 CFR 1022.142 ( e ) ( 4 ) of the Fair Credit Reporting Act, which prohibits them from refusing to block adverse information based on the validity of submitted documentation. I request an investigation into Equifax 's non-compliance with federal regulations and appropriate action to address their misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I was looking to remortgage under FHA. I started with CrossCountry Mortgage, LLC, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I was working with a XXXX XXXX. My current mortgage company called ( XXXX XXXX XXXX and asked if I would consider staying with them if they could do better than CrossCountry Mortgage. And they were able to do much better. I asked XXXX XXXX to transfer the FHA application over to XXXX XXXX. At first he refused. Prior to that email, I gave XXXX the opportunity to offer a better rate. He just became belligerent. Finally I sent XXXX an email saying he must transfer the FHA loan application per my request. His reply was it would take 5 days. He purposely refused to transfer it and then delayed it going over to XXXX XXXX. Then he made me pay for the appraisal in full. Unfortunately, there were two minor issues with the appraisal. By Florida law, the appraiser can't talk to me and I'm restricted from contacting the appriser directly since CrossCountry Mortgage ordered the report. So technically, I'm not the appraisers client. I reached out to XXXX to ask him to contact the appraiser to get it corrected. His response - " Im sorry, but this is not something that CrossCountry Mortgage is able to assist with. '' Of course, he knows that he can assist, but is being vindictive. He knows very well that he is the only person that can request the revision. How are Companies able to do business while this behavior is allowed? In 45 years in the workforce, I have never worked with any business that was blatently playing games. Especially with my ability to remortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
See the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: FL

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Transunion, XXXX and XXXX all have incorrect SSNs, Names, addresses, phone numbers, accounts, public records, etc on my credit reports. This has affected my XXXX security clearance and jobs with the 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 2024-02-21 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: TN

Complaint narrative:
Mailed letters on XX/XX/2023 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-02-21 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: CA

Complaint narrative:
I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

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 2024-02-21 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: NJ

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested.

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 2024-02-21 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: PA

Complaint narrative:
XX/XX/XXXX - I executed an interest free balance transfer of {$14000.00} and paid a transaction fee of {$700.00} ( I expected this ). 

XX/XX/XXXX - I was charged an annual membership fee of {$69.00} ( I expected this ), but I incurred an interest charge of {$0.00} on the membership fee that I did not expect. 

XX/XX/XXXX - I paid {$160.00} to cover the minimum balance due, membership fee, and interest charge. 

XX/XX/XXXX & XX/XX/XXXX - I made two purchases totaling {$1300.00}. 

XX/XX/XXXX - I paid {$1300.00} to cover the full balance of the two purchases with an expectation of not receiving interest charges. 

XX/XX/XXXX - I incurred an interest charge of {$21.00} because the two purchases triggered interest on the open balance ( I did NOT expect this ). 

I continue to incur monthly interest charges because I used the card which is apparently is not something you can do after executing an interest fee balance transfer.

Company response to consumer: Closed with monetary relief