vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: IL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
This report is again XXXX 's credit card compny. 

This card was paid in full on XX/XX/XXXX. 

I failed to relize this this was seven days late and a late payment of {$43.00} was added to the account. 

When I was unable to addres this issued, an additional {$37.00} was added to the account the following XX/XX/XXXX. 

I contacted the compny mutiple times. At one point I was a fee reduction of approximately {$20.00} leaving me with a requirement to pay 163 % of the original bill. 

In an attempt to make sure I did not continue recieving additional fees, I asked for the account to be closed. The agent failed to inform me that this mean I would not have a way to recieve even the {$20.00} of fee reduction but as I was frustrated by the compinies busness practices I had the account closed, planning to take any additional actions availible to me. 

I contacted XXXX 's directly in an attempt to inform them of the busness practics of their credit card company as I hurts their bussness. They of course were unable to take any actions on my behalf and seemed unconcerned with their credit card 's billing practices. 

I was unable to get this report filed preventing additional fees being added within the fifteen day window, so I reached out to the compnay one last time on XX/XX/XXXX. At this point I was informed that as I had closed the account there was " nothing they could do '' I am responsible to pay 183 % of my original perchase and if this is not completed by XX/XX/XXXX I will still be charged additional fees regardless of the account being closed. 

I fear that by paying this bill, the company will have not motivation to resolve this matter but I can't risk this fees continue to increase. I will pay but I hope this report will do something so that I can get my money back and other families will not suffer the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached : What would be a fair resolution to this issue? 
Update the account to paid on time and never late or remove it from my consumer 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 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I am an XXXX college student and I had a checking and savings account with JPMorgan Chase Bank. On XX/XX/year>, I received an email from this random person about a remote job. We kept in contact and he told me I was getting a check so I could buy him some artwork and my paycheck was also included in that amount. 
On XX/XX/year>, I got a check mailed to my house and I was so shocked because the amount of the check was {$4900.00}. Fast forward, I made a HUGE mistake. I deposited the check into my account and because I thought it was soo suspicious I went on XXXX. I searched up " check scam '' and I realized I had just been scammed. 

I immediately called the bank because I was worried I was going to be put in jail or something and the lady told me to call back when the money was reflected ( which I never saw on the app ) so I did not call them because she had also told me that because I did it on time " I had nothing to worry about ''. Then, 5 days later Chase sent me an email saying they were closing my account, which I found unfair because I did not get a chance to even be heard or send proof because they had " already made their decision '' and I was told over and over that there was nothing they could do. 

This is also very sentimental of me because I've had this bank since I was a minor and It really just helped me a lot, so it's such a bummer now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: IN

Complaint narrative:
In XX/XX/XXXX, I entered into a loan agreement with Mobiloans. I then learned that Mobiloans is not a licensed lender in the state of Indiana - according to the Indiana Department of Financial Institutions, there is no record of Mobiloans having a lenders license of any kind. The XXXX XXXX XXXX XXXX confirms this - there is no record of Mobiloans having a lenders license in Indiana. It gets worse : In XXXX, the CFPB sued XXXX XXXX, XXXX and six subsidiaries ( collectively, the Think Finance Entities '' ), which includes Mobiloans, for deceiving people and breaking licensing and lending requirements- the result of which was all their loans in 17 states were considered illegal, void, and uncollectable - including Indiana. Apparently, Mobiloans is back at it again, in direct and flagrant noncompliance with the agreed stipulated order it entered into with the CFPB in XXXX. I have suffered - and will continue to suffer - real and substantial injury as a result of Mobiloans illegal lending practices. XXXX has been unjustly enriched as a result of its unlawful acts and practices at my expense. Adding insult to injury, I attempted to resolve this issue with Mobiloans via a notice of intent to file a claim for arbitration, received by Mobiloans on XX/XX/XXXX. They of course responded that they are not subject to any lending laws and in fact have 'sovereign immunity ' from same. Mobiloans ongoing behavior involving breaches of both state and federal law shines a bright light on their illegal lending practices, and the damages that illegal behavior has inflicted upon me are not isolated incidents - but in fact are a pattern of ongoing unfair trade practices tethered to a willful disregard for consumer protection laws that the CFPB itself litigated against XXXX to prevent but that XXXX has willfully ignored in their search for more lending victims like myself.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
Netcredit charging me biweekly. With no ending in sight when the small loan will ever be paid off. Been paying on this loan for over a year now. Can you please investigate. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Upon reviewing my credit report, I discovered an account that does not belong to me. The presence of this account inaccurately reflects my credit history and financial responsibility.

Please find below the details of the disputed account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me. I have never opened or used services from XXXXXXXX XXXX XXXX ], and I am not aware of any such debt associated with my name or Social Security Number.

Enclosed with this letter are copies of documents supporting my claim.

I request that you conduct a thorough investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ). Please remove the disputed account from my credit report promptly, as its inclusion is damaging to my creditworthiness and does not accurately reflect my financial history.

Under the FCRA, I understand that you are required to investigate this dispute within 30 days of receipt and inform me of the results. I expect your cooperation in resolving this matter swiftly and accurately.

Please provide me with a written confirmation of receipt of this dispute letter and a reference number for tracking purposes. You may contact me at the above address or phone number if you require any further information or clarification regarding this dispute.

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 2024-07-23 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:
I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Upon reviewing my credit report, I discovered an account that does not belong to me. The presence of this account inaccurately reflects my credit history and financial responsibility.

Please find below the details of the disputed account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me. I have never opened or used services from XXXXXXXX XXXX XXXX ], and I am not aware of any such debt associated with my name or Social Security Number.

Enclosed with this letter are copies of documents supporting my claim.

I request that you conduct a thorough investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ). Please remove the disputed account from my credit report promptly, as its inclusion is damaging to my creditworthiness and does not accurately reflect my financial history.

Under the FCRA, I understand that you are required to investigate this dispute within 30 days of receipt and inform me of the results. I expect your cooperation in resolving this matter swiftly and accurately.

Please provide me with a written confirmation of receipt of this dispute letter and a reference number for tracking purposes. You may contact me at the above address or phone number if you require any further information or clarification regarding this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: GA

Complaint narrative:
After reviewing my credit report, I notice that there are inaccurate accounts furnishing on my credit report. It is canceled debt and the company have file taxes but also reporting on my credit report as debt. Per the IRS the company was supposed to send me a 1099c form so I can file as income. This is a violation of 15 USC 1681eb which speaks on maximum accuracy of a consumer report. Please delete these following accounts from my report. 



XXXX XXXX {$130.00}, XXXX XXXX XXXX XXXX XXXX  {$570.00}, XXXX XXXX {$330.00}, XXXX XXXX {$190.00}, XXXX XXXX {$11000.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$75.00}, XXXX {$40.00}, XXXX XXXX  {$790.00}.

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 2024-07-23 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: GA

Complaint narrative:
After reviewing my credit report, I notice that there are inaccurate accounts furnishing on my credit report. It is canceled debt and the company have file taxes but also reporting on my credit report as debt. Per the IRS the company was supposed to send me a 1099c form so I can file as income. This is a violation of 15 USC 1681eb which speaks on maximum accuracy of a consumer report. Please delete these following accounts from my report. 



XXXX XXXX  {$130.00}, XXXX XXXX XXXX XXXX XXXX  {$570.00}, XXXX XXXX {$330.00}, XXXX XXXX {$190.00}, XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$75.00}, XXXX {$40.00}, XXXX XXXX {$790.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My loan was purchased by Mr Cooper ( NationStar Mortgage ) and transferred on XX/XX/2024. A week prior to this transfer, I was switching my Hazard Insurance to a new company. To this date, they can not confirm that they received the new Insurance information and I do not want to cancel my old Insurance until I get that confirmation. And this whole time, I am paying for 2 policies. They have absolutley no way to call to get a hold of a live person. Phone trees go off into an abyss. I was finally able to get a live person from their main website page and had to act like I wanted a new loan ( be a new customer ). And I was transferred around for 45 minutes and eventually told that my Insurance Broker has to call in to change the insurance. But with the phone trees of nothing, I am not confident that my broker will get through to anybody. THERE IS NO WAY TO SPEAK TO A LIVE PERSON FOR QUESTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: IL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX never provided to me by law 10 days after closing whats called a XXXX XXXX XXXX! Ohio revised code 5302.15, an 5302.16 they have to by law record the master form mortgage an short form ( 3036 )! Carrington mortgage is the current servicer. XXXX  XXXX XXXX is the 1st lien! The actual lien! Its not recorded in public record. Which means i'm paying on a fictious obligation! Title 18 USC SS 514!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NE

Complaint narrative:
Bridgecrest is not updating my ledger in recent activity in refusing to document my latest payments made on XX/XX/XXXX and XXXX of {$25.00} and {$160.00}. They also have refused to send paper statements at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I cashed out of my crypto currency account. On XX/XX/XXXX2024, I initiated a transfer to my bank. After verifying my account and taking several XXXX XXXX  out, as of this date XX/XX/XXXX I have yet to receive my money or the money Coinbase took out to verify my account. I have lost other investment opportunities due to this. It does not appear to be legal to hold on to someone else 's money indefinitely and to keep telling that person, you will get your money tomorrow and that never happens. A bank transfer should not take more than a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have two credit cards with capitol one. A Walmart Capital One Card and BJs Capital One credit card. I had a problem with my checking account and made a payment to these accounts. Unaware I used the account that had and issue ( card lost ) the payment did not go through. I immediately I made another payment with my debit card and the payment went through for the BJs credit card. The Walmart credit card payment somehow went to the incorrect account again, which I was told by Capital One Walmart customer service that it was because they do not accept debit card payments. Once I realized the Walmart payment was not made I finally got the payment to go through my debit card which was successful. When I contact capital one the supervisor names XXXX said that they do not accept debit card payments so this why it did not go through. I noticed that the payments tried to go through an account that I was not using. All of these payments have since gone through my debit card and have been paid. Capitol One decided that this was a violation of their terms, which I was never aware of. I did not know trying to make payments would be a violation, I do understand that these payments were unsuccessful until I finally got them to go through the right debit card account. So now my credit is being ruined by Capitol One closing these accounts. I am not sure why they closed the BJs credit card, I am told because the Walmart credit card terms were violated they closed all accounts. I am trying to understand how they can terminate my cards without any notice, without regard to the damage it creates on my credit reports, and why they would cancel an account that was not even involved, I was just trying to pay my credit cards. Capital One states that they can close these at any time and I have no right to appeal the decision, if I am trying to build my credit how can I if I can not control or fix a problem that is ruining my credit. I am trying to understand what recourse I may have and what I can do.

Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: ND

Complaint narrative:
I took out a loan with One Main Financial over 3 years ago. The initial loan was supposed to be for a mini-van ; however, they swindled me into financing against an existing vehicle that I had already - a XXXX XXXX. The terms of this loan were not well explained. Since paying on the loan I have paid a total of {$11000.00} with only {$2400.00} going to principle. Each time they are offering loan modifications that are not well explained and its very confusing. I have offered to settle this as the vehicle is not remotely close to what I owe on the balance. I offered a settlement of {$6200.00} back in XXXX which they declined and countered at {$7400.00} after I very honestly told them I was giving them every ounce of money I had -- now they are unwilling to negotiate with me at all. This is predatory lending and is not fair AT ALL. I have tried to work with them and settle the astronomical amount they say I owe, but they just wont work with me. I was astounded after I went through and looked and what I have paid towards the principle balance after 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
Fraudulent credit account opened in my name XXXX XXXX XXXX XXXX XXXX with Affirm. I noticed it on my credit report, and opened a dispute with both XXXX and Affirm. I have called numerous times, each time a new dispute is opened and I'm told that I would be contacted. I am never contacted. A few months ago, I enlisted help from XXXX XXXX XXXX to assist. Affirm still has not contacted me related to this account and has not provided any additional information related to a resolution. Every time we call, someone says they will make a note and someone will get back to me. It's been 7 months. 

Account opened : XX/XX/year> Dispute Case # XXXX

Company response to consumer: Closed with explanation