vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I received a bill for a purchase that I didn't receive any goods or services. I immediately contacted Boeing employees credit union many times in writing and several phone calls asking for this fraudulent charge to be reimbursed to my credit card. Becu has not returned my money becu has not sent any proof that this is a valid debt. I have asked several times this is fraud and the bank knows it and has no signature or contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to demand the immediate deletion of inaccurate and unverified information from my credit report. Despite my previous attempts to resolve this issue, your failure to correct these errors is unacceptable and has caused significant harm to my financial stability, mental health, and overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to demand the immediate deletion of inaccurate and unverified information from my credit report. Despite my previous attempts to resolve this issue, your failure to correct these errors is unacceptable and has caused significant harm to my financial stability, mental health, and overall well-being.

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 2024-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC
State: IN

Complaint narrative:
My payments are due on the XXXX day of each month and the calls start immediately after that. I spoke with someone on XX/XX/XXXX at XXXX pm to schedule a payment to be taken out of my checking account on the XXXX day of XXXX and received a confirmation email about this arrangement on XX/XX/XXXX at XXXX XXXX. I also paid {$95.00} in past due fees on XX/XX/XXXX. I also do not agree with the amount of interest that continues to accrue on my account as if I have paid nothing toward this original {$2000.00} loan according to my credit report. Since setting up the payment arrangement on XX/XX/XXXX for the payment that was due on XX/XX/XXXX to be deducted from my checking account on XX/XX/XXXX I have received multiple calls all day and evening from different people and different numbers continuing to inquire about a payment when I was told that a payment arrangement would stop the collection calls. I feel like it is harassment and mob activity at this point, and this has to be illegal. I can't even work without them calling my phone all day from multiple numbers. Some of the numbers do not even identify the company is calling and it could be anyone for all I know but they want me to verify my information. This entire situation has made me very uncomfortable, and I need help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
On XX/XX/XXXX it was brought to my attention that my Mortgage company failed to make my hazard insurance payment to the XXXX XXXX XXXX This caused them to cancel my insurance policy, and then raise it by XXXX dollars if I wanted a new policy with them. {$3300.00} for XXXX to XXXX for XXXX. Additionally I paid for a homeowners policy out of pocket for XXXX for everything but fire. Cross Country mortgage stated that they would force place hazard insurance if I didn't provide a new XXXX  page from the fair plan ( as if I made the mistake ) I told them forced place insurance was fine as it was significantly less than the fair plan. On XX/XX/XXXX I was informed that XXXX XXXX had mailed a check to the fair plan for XXXX, causing a shortage in my escrow account. I was told that this was done in error but they could not help and I needed to call the Fair plan. I then reached out to the fair plan and they assured me they would send a check back to me. By the end of XXXX I had not received the check back from the fair plan, nor a declaration page from the forced placed insurance. I called cross country and requested the XXXX page and asked yet again for help getting my escrow account corrected. They assured me they would send me a copy of the insurance, but again stated there was nothing they could do to help me with my escrow account, even though they had admitted it was there error. I called the fair plan again and was told it was being escalated to accounting and to call back in XXXX business days. when I called they said they had received the check, that the policy was forced placed? My mortgage payment went from XXXX, to XXXX and a week later they put a forced placed policy charging my escrow account another XXXX as of today XX/XX/XXXX they have charged me over XXXX out of my escrow account and nothing has been done to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: WY

Complaint narrative:
The following account is reporting inconsistent and inaccurate information on my credit reports and is violating my federally protected rights under the fair credit reporting act states the furnisher shall report 100percent accuracy Westlake XXXX acount # XXXX is reporting inconsistent information to all 3 credit agencies XXXX XXXX and XXXX I demand them to delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2024-08-23 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: NRA Group, LLC
State: TX

Complaint narrative:
This account balance was charge as fraud they changed my log in information had duplicated the credit card and said the email and phone number on the account is not mines

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 2024-08-23 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: WA

Complaint narrative:
I contacted transunion about inaccurate report on my credit report and asked them to please provide me with debt proof, my signature and any other proof they didn't respond or reply I sent certified mail and received signature of recipt.

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 2024-08-23 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: CA

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( Requires removal of each item from the credit report which you identify in your complaint within 4 days of complaint getting submitted to CFPB ) FCRA 611 ( 15 U.S.C. 1681I )

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 2024-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
No communication,  sent payments 
Sent foreclosure and sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: FL

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. 
Account name : # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 non-monetary relief
Consumer complaint received 2024-08-23 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: Experian Information Solutions Inc.
State: FL

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. 
Account name : # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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 2024-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CO

Complaint narrative:
The company keeps saying that interest isnt increasing but in my account it keeps increasing. Im part of a program that agreed to pay {$90000.00} of my XXXX  loans if I work for them for 3 years so I forwarded the {$90000.00} check to MOHELA and that should have stopped yearly payments and interest for this year, yet it keeps showing interest increasing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: MO

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


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 non-monetary relief
Consumer complaint received 2024-08-23 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: PA

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. XXXX XXXX account number XXXX XXXX XXXXXXXX account number XXXX account number and XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX has violated my rights. 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. 
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS ud PURSUANT TO 18 USC 8 , L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814.

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 2024-08-23 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: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
This is regarding a property for which I am a cosigner in Pennsylvania. The mortgage company ( Vanderbilt Mortgage ) is refusing to accept payment from me as of XX/XX/XXXX and has been assessing late fees to the account for the past year. Their online payment processing portal will take a payment, then reverse it several days later and assess a late fee. This has been happening periodically since they acquired the loan from the previous company in early XXXX. They are also refusing to send anything in writing stating that they are refusing payment and the reason. I have called numerous times for over a year to pay over the phone when their online system fails and my phone payments have gone through without a problem. Now, they are no longer accepting my payment over the phone or online. I spoke to a supervisor today ( XX/XX/XXXX ) to make the XXXX payment and he refused to take my payment, then refused to send me anything in writing describing why he's refusing payment on the account and he eventually hung up on me. 
I have not received anything in writing on how payments can be applied to this mortgage and they have blocked the online portal from taking payments. The most recent payment due date was XXXX XXXX and the the loan was current up to that date.

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 2024-08-23 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After receiving a text message informing me of a litany of fraudulent charges to my Wells Fargo checking account on the morning of XX/XX/XXXX, I immediately reached out to the claims office. There was over {$78000.00} attempted to be charged to my account in over 10 different transactions after XXXX on XX/XX/XXXX and into the early morning on XX/XX/XXXX. {$6000.00} at XXXX, {$5000.00} at XXXX XXXX, etc. Most of them were reversed immediately, as they were clearly fraudulent, but there was still {$5800.00} in unauthorized charges pending after the attack. I filed the claim for the {$5800.00} still pending. XXXX business days later I received a call that my claim was declined and that the charges would remain on my account. They deemed that during a confirmed attack on my account in the amount of over {$78000.00}, I authorized someone to make four transactions to XXXX XXXX and one transaction to XXXX, an online overseas luxury clothing company, in the aforementioned amount of {$5800.00}. I did not authorize those purchases. After asking them how it was possible and how to have them revisit the investigation, the claims operator said he would see what he could do and I would hear back in another 10 business days. During this time I called XXXX XXXX only to be told that without the shipping addresses or the order confirmation numbers they were unable to release any data to me. I also called XXXX, whom was able to locate the charge and open a claim. The next day my claim for XXXX was declined and I was told to reach out to local law enforcement. Another 10 business days later, I received a call from claims again saying my claim was declined. The claims agent 's response was that he was shocked they ruled the claim that way, but because the investigator made the ruling there was nothing else anyone could do and that my case was closed. After a month of all of this, I called my cousin who is an XXXX XXXX XXXX in Pennsylvania and he told me to file a complaint with CFPB. He also advised that I close all accounts with Wells Fargo, as they are notoriously known for these kinds of scams.

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