vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
100 % XXXX Loves Launch Nuclear Missals only means Relief 15 Years try to remove Fraud Alert on Credit File sending XXXX Forms ID and XXXX says there still Fraud Alert on my File 15 Years no Bank can verify me with XXXX XXXX XXXX violate XXXX XXXX Code XXXX Genocide Laws ICC, Alien Tort Claims Act XXXX XXXX. XXXX war crimes, crimes against humanity and aggression CAHWCA, Common torts assault, battery, damage to personal property, conversion of personal property, and intentional infliction of emotional distress, 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 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

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
100 % XXXX Loves Launch Nuclear Missals only means Relief 15 Years try to remove Fraud Alert on Credit File sending XXXX Forms ID and XXXX says there still Fraud Alert on my File 15 Years no Bank can verify me with XXXX Credit Score violate XXXX XXXX Code XXXX Genocide Laws ICC, Alien Tort Claims Act XXXX XXXX. XXXX war crimes, crimes against humanity and aggression CAHWCA, Common torts assault, battery, damage to personal property, conversion of personal property, and intentional infliction of emotional distress, 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: OR

Complaint narrative:
I have made this complaint several times and my question is being ignored. Here it is, as simply as I can make it : XXXX. MOHELA 's response to a previous complaint said the following : " Our records indicate that interest has not capitalized on your student loan account for the duration MOHELA has serviced your loan. '' This is not true. I currently ( XX/XX/year> ) have MOHELA 's website open, and my account history shows interest capitalized on XX/XX/year> for the following amounts : {$100.00} and {$110.00}. 
- Please tell me why your records do not match my account information that is on your website. 
- Please update whichever one is incorrect and tell me what is correct. 

XXXX. ) You have never address the " payment reversal '' issue in my account history. I have asked about it numerous times : I have given dates, uploaded screenshots, and it's in my records. XXXX more time : There is a payment reversal in my account history in XXXX of 2024. I did not authorize it, nor did I receive any kind of refund. After this payment reversal, the entirety of my payments went to interest and I started seeing interest capitalized. Why? 
- I want you to directly address what the payment reversal was, why it happened, and why my payments after this payment reversal were applied to interest only and nothing to principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
In a letter dated the XXXX of XXXX, 2024, I requested closure of my XXXX XXXX XXXX. As I usually overpay the amount I owe monthly, I had a negative balance ( ie an overpayment of {$290.00} ) on the account. I expected to be paid the residual upon closure. In contrast to every other credit card, financial, insurance, banking or related account and institutional practices, Citi opted not to issue a check to me or direct deposit or any other refund, but instead sat on my {$290.00} for 4 months. When I called on XX/XX/XXXX as to where the check was, I was informed that none had been issued and that an additional 7-10 days would be required before any such check would be cut and mailed to me. 

Furious, I demanded that the effective interest free loan that Citi granted themselves from my money be compensated. XXXX the manager agreed that {$1.00} was sufficient given current interest rates. 

However, he then informed me that the {$1.00} credit would be to the account and would not be available until another 5 days. When banks can move millions electronically in the space of seconds this is clearly a harassment delay. To further that impression, he then informed me that I would have to call again 5 days hence, in order to order the {$290.00} check be cut and mailed. 

Citi knew my account was closed as evidenced by the website and as the staff ( both the initial representative and XXXX the manager ) confirmed. When I asked why the {$290.00} check was not issued in XXXX, he further informed me that the Citi 's policy is that the consumer / credit card user has to call and request the refund. 

Again, I have never encountered such a requirement from any other financial institution upon account closure and can not believe that arbitrarily retaining funds from a customer is anything but theft.

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 monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
Damage to home on XX/XX/year> due to XXXX. Insurance adjuster and contractor agreed on needed repairs and sent a check for $ XXXX to us and Freedom Mortgage. I contacted Freedom Mortgage to find out what to do. They started the process, I uploaded the documents to the portal on XXXX XXXX and overnighted a copy of all documents along the endorsed check to Freedom Mortgage on XXXX XXXX. All documents and check were accepted in the portal on XXXX XXXX. The insurance check was deposited to our escrow account on XXXX XXXX. I have emailed the general mailbox as instructed XXXX times. I have called the XXXX number given in the paperwork to call. I have called 3 times. I also tried to email XXXX, our adjuster-I think-through an email found online as well as XXXX XXXX, Founder and XXXX. No results from XXXX or XXXX. XXXX agents just say it should be released this week ( today is XXXX XXXX ). XXXX agent did help troubleshoot the portal for checking the claim and corresponding with adjuster, but contains little information and no contact information for our adjuster. We are frustrated. The contractor is on standby but needs a down payment to start. Our home is at risk of further water damage due to the hole in the side of the house from a XXXX foot tree. Additional information has not been requested, but I would cooperate if it was. I feel ghosted by the lender who wants to earn interest on my $ XXXX instead of allowing me to repair my home which I have worked hard for. At least let me talk to someone in authority who can give me answers and get the check out. Bad experience!

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding an XXXX transaction dispute with Capital One, where I returned an item within the required return policy window but have not received the full refund amount. I initially purchased an item from XXXX for {$440.00}, and upon deciding to return it, I was provided a deadline of XXXX XXXX, 2024, by XXXX to send the item back. I returned the item via XXXX on XX/XX/scrub> 2024, with tracking number XXXX, which confirms that XXXX received the package on XX/XX/XXXX, 2024well within the allowed return period. However, despite returning the item in a timely manner, XXXX has only refunded me {$120.00} out of the {$440.00} that I paid, leaving an outstanding balance of {$310.00} that is yet to be refunded. I reached out to XXXX customer service multiple times and was informed that my return is stuck in processing. Despite my efforts to resolve the issue, XXXX has not provided the remaining refund amount. I am seeking assistance from the CFPB to have XXXX refund the outstanding balance of {$310.00}. I have attached supporting documentation, including a dispute letter from Capital One detailing the temporary credit issued, XXXX account screenshots showing the status of the return process and estimated refund, and the XXXX tracking information that confirms XXXX received the item on XX/XX/year>2024. Given that I followed Amazons return instructions precisely and returned the item on time, I believe the remaining refund is due to me as per their return policy, and I kindly request the CFPBs help in obtaining it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
My account with XXXX XXXX AND XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX XXXX AND XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Tonight, I found inaccurate accounts listed on my credit report, and I can't understand how or why they appeared. I checked my report as usual, but for some reason, these discrepancies just showed up out of nowhere. I tried refreshing the page, thinking it might be a temporary error, but the inaccuracies persisted. Because of this, I'm requesting a detailed check of the documents I've sent to ensure I never have to face this again.

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 2024-11-07 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:
This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why. When I checked as usual, these unexpected discrepancies suddenly appeared. I even tried refreshing my browser, thinking it might just be a glitch, but the inquiries remained. I am extremely frustrated and request that the documents Ive sent be thoroughly reviewed so I dont have to face this issue again.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a loan account opened at XXXX XXXX XXXX on XXXX/2023 under the account number XXXX and a credit card account opened at XXXX XXXX XXXX on XX/XX/year>2023 under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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