vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
We discovered pending fraudulent charges on our account ( USAA ) on the morning of XX/XX/. We immediately contacted the credit card company and gave them the information. They went through our recent charges and had us agree which ones were real and which ones were fraudulent. There were four fraudulent charges. They said they would be flagged and removed and cancelled our card and requested a new one. Since the charges were pending we were told they would just drop off and not go through. Well, two days later the two smaller charges dropped, but the two larger ones ( total about {$1600.00} ) were allowed to go through. We called again right away because our bill is due tomorrow, and we didn't know how much to pay because of what was going on with these charges that never were supposed to have posted in the first place. They told us that the person we talked to " accidentally '' didn't flag those two. We asked that they be removed right away so we didn't have these charges showing, have to pay interest on them, and so we would know how much to pay them since we pay the card off every month. They said they couldn't do that. I asked to speak to their " complaint department '' ( or whatever it is called- they told me they had a department when I asked ). They said they couldn't transfer me without me giving them my " account ID ''. I said " what are you talking about? What account ID? I don't even know what that is. '' I asked if it was a password. The operator said " no ''. Then I said " I don't know what ID you are talking about ''. And she just kept asking for my " account ID ''. I said I don't have that and don't even know what it is but am happy to prove my identity with whatever questions they wanted to ask. This went back and forth for a minute until I ended up just ending the call. They refused to let me talk to their resolution people once they admitted they " forgot '' to take off the charges and I was stuck with them until after my bill was due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute a recent inquiry that appeared XX/XX/2022 on my credit report. The inquiry XXXX XXXXIT was not authorized by me, and I believe that it is a result of fraudulent activity. I am concerned about the impact that this inquiry could have on my credit score and overall creditworthiness. 

I have reviewed my credit report and have not applied for any credit or loans recently that would warrant a credit inquiry. I believe that this inquiry is the result of identity theft or other fraudulent activity. I take my personal information security very seriously and have taken steps to safeguard my information, such as regularly monitoring my accounts and using strong passwords. 

I am requesting that this fraudulent inquiry be removed from my Equifax credit report immediately. I have already contacted the other credit reporting agencies to report the fraudulent activity and have placed a fraud alert on my account. I am willing to provide any additional information or documentation necessary to support my dispute. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon with the results of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: FL

Complaint narrative:
My Identity was stolen & they had all my personal information & apparently took out a credit card in my name & rack up a bill. I have told midland Credit Management numerous times it was not me & even sent a FTC report as requested by one of their employee & she said it would be removed when they received it & she gave me the fax # I even had the conversation recorded because each employee will tell you something different depending on their mood that day.I learn to keep prove for my own protection because they lie very easy & simple. I even went as far a to get it notarized because I have not even set my eyes on the card in question. I also ask Midland Credit Management to provide the original documentation which is the signatures of the purchases because I know for a fact it would not match my signature. I was even told by the police department to request the signatures of purchase so they can match it up & prove my identity was stolen. Midland refused to provide the important documents to prove it was not me. They have sent a letter stating ( We have concluded that our information is accurate. Can you imagine a 3 party doing an in House review/Investigation what other answer will they come up with outside of the information is accurate when their job is to collect money for there own personal gain. How can a 3rd party investigate a matter that did not originate from them? The said that they work with the original creditor XXXX XXXX  but yet they are unable to provide any of the original proof of documentation. How can a company tell me that I am not a victim of Identity theft? The main idea of someone stealing your identity is to make it look like you are the one actually doing it! They have all your personal information. I dont think Midland Credit Management understand the meaning of Identity theft & want victims to suffer just so they can make a dollar. I will not pay money for a debt I do not owe under any circumstance. I want to know exactly how they came up with the accuracy of their information? I would like the process that was taken & the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX ( XXXX XXXX XXXXXXXX ), 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX ( XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Original complaint was summited against XXXX XXXX AGAIN accounts/ payments do NOT match what was submitted I'm not sure the purpose of CFPB if you don't do anything. MOHELA still has total count of payments wrong they advised me, that someone put in the wrong date?!? No worries its just a loan forgiveness. 
Contacted MOHELA on XX/XX/ and they advised me they would fix the payment count in 5-7 days I also uploaded my new certification cause i have 116 payments out of 120 SAYS 90 days to PROCESSS?????????? 3 Months to see if your loan is ready to be forgiven?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
My adjustable rate mortgage was initially with New York Community Bank ( NYCB ). It was transferred to Flagstar Bank on or around XXXX of XXXX. The interest rate on my loan adjusts every year on XX/XX/XXXX. My loan amount for XXXX ( XX/XX/XXXX - XX/XX/XXXX ) was set at 3 % by NYCB. 

On XX/XX/XXXX, my loan adjusted the maximum of 2 % per year to a new rate of 5 %. My first mortgage statement received from Flagstar for XX/XX/XXXX correctly showed a 5 % rate. However, my next statement received from Flagstar for XX/XX/XXXX incorrectly shows a SECOND adjustment in as many months to 7 %. 

I have tried mu

ltiple ti mes to correct this with Flagstar waiting on hold for hours, getting cut off, transferred, etc. I have been told comments such as " Well your maximum rate is higher than 7 % so it s hould be accurate '', etc. Flagstar i s at this point intentiona lly avoiding resea
rching the issue causing me to waste hours of time, causing me severe stress, and now threating to destroy my credit. If they have made this mistake with me, they have made this with many more people.

Please help.

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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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 USC 1681 : Account name and number : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX Above Listed 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 diverse item of information, other than records of convictions of crime 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 if the person knows or has reasonable cause to believe that the information in inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX I was denied housing on XX/XX/2023, based on an erroneous report from this company. According to the renter, I owe money to XXXX XXXXXXXX XXXX XXXX. I received most of my deposit back from this rental. I have no public records from any agency, yet this company states its information was reported by XXXX which it wasnt!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.

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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.

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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunions process of blocking and deleting information on my consumer report resulting from identity theft is in direct violation of the law. It states in 15 U.S. Code 1681c2 -Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Contrary to previous policy, CapitalOne no longer provides their customer service agents the ability to refund excessive annual fees and related charges for cards that are paid off and not used for an extended period of time. 

I have had my CapitalOne card ending in XXXX for many years, always maintained in good standing. I have not used the card for many months, therefore I am not enjoying any " what's in your wallet? '' cash back benefits ; so, an excessive annual fee ( {$59.00} ) is inappropriate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Complaint is against my current mortgage holder Mr. Cooper, a division of Nationstar Mortgage. On XXXX XX/XX/2023 I purchased a vehicle and financed a portion of vehicle price with a local credit union. Two days later I received multiple texts and emails from Mr. Cooper stating they saw another financial institution inquiry on my credit and want to know if Im working to refinance my house using another financial institution. The next day I received a few more text/emails offering to match whatever rates I get from the other institution. I communicated with Mr. Cooper customer rep via chat and explained that we are not on the market to refinance or do any other mortgage changes. My concern is I discovered Mr. Cooper is monitoring my credit without my consent, maybe allowed under FCRA but not sure? Second, they are using this information to gain unfair advantage over their competitors. Third, I was clear about my desire for these daily email/texts, and now calls, to stop but Im still receiving them non-stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

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  XXXX # XXXX - has violated my rights XXXX XXXX XXXX XXXX XXXX - has violated my rights XXXX XXXX # XXXX - has violated my rights UNAUTHORIZED INQUIRY : XXXX XX/XX/- 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
At the beginning of XXXX XXXX I attempted to pay my mortgage online with PennyMac ( PM ) Mortgage. I discovered PennyMac 's website did not recognize my username and password. I attempted to recover my username and learned the PennyMac system had 3 different usernames for me. 

I contacted PM customer service ( CS ), they explained I had several active mortgages in their system. Note : I only have one currently active loan with PM. I have had loans with PM is the past but had paid those loans off, sale of my home or refi that was paid off. 

CS had me attempt to use each of the 3 usernames, all 3 showed account inactive on PM website. CS escalated my issue to the next level of CS, the higher level CS agent attempted to solve my username issue but was unsuccessful. He stated he would contact me on Friday, XXXX XXXX, XXXX to assist me with a solution to recover my username. Unfortunately, I missed his call and he left a VM. 

On XXXX XXXX, XXXX, I called the CS # left by the higher level CS agent. I had to re-explain my situation all over again. The CS agent could not recover my username, state they would escalate and never transferred me to a higher level CS agent. I had to take their survey at the end of the call to escalate to the higher level CS agent, XXXX. 

XXXX had me create another username, so now I had 4 usernames. The new username did not work. XXXX claimed the PM website was defaulting to an old email address and work phone number even thought when I asked for a lost username recovery I received a PM recover process and code from current email which I've had for 15 years. 

XXXX told me she would have to file a ticket with PM 's Web Team to re-set or provide a new username for me. XXXX stated she would call me back in 48-72 hours. 

XXXX did not call me or follow up with an email. 

On XXXX XXXX, XXXX I contacted PM CS for a third time, XXXX CS agent, told me he could see the notes from XXXX reporting the issue to the PM Web Team but could not see any other activity related to solving my username recovery. 

I told XXXX I would be reporting PM 's failure to recover or provide me the opportunity to reset my username so I can pay my mortgage online and or retrieve my tax information for XXXX tax purposes. 

Thank you for reviewing my case,. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation