vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/year> I was sent three seperate transactions to my bank debit ending in XXXX for {$600.00}, {$900.00}, {$1500.00} only problem was that card has been inactive for XXXX years. Cash app states they sent the money in thats that, there not trying to help me locate the money. My bank in cash app was on a phone call in they still proceeded to not give us any help which leaves me at a dead end. Cash app stated in a email that this a issue between them in my bank but they still are not helping

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-24 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: IL

Complaint narrative:
reviewed my consumer reports and I noticed that I had five late payments 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 the maximum accuracy. I have never been late on payments for this account that I have included a screenshot inside this complaint on dates of ( XXXX, XX/XX/XXXX, and XXXX, XXXX, XX/XX/XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

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 2024-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Our loan was transferred to Mr. Cooper in XX/XX/XXXX shortly after closing in XXXX of XXXX. A year later when our homeowners insurance was due the payment was not made. After several calls to Mr. Cooper over the course of several months, the premium was finally paid in XXXX of XXXX ( but was due back in XXXX ). When the first annual escrow analysis was done ( XXXX of XXXX ), the new premium had not been paid and was not taken into account at all we have since concluded. We were not provided this first annual escrow analysis though we did request it. ( The original HOI premium was approximately {$860.00} but the renewal was {$2200.00} ). Our escrow holding was left unchanged that year as a result. When our 2nd annual escrow analysis was done in XXXX of XXXX ( we did receive a copy of only this one we requested ), we were notified that our payment was going up $ XXXX due to the shortage of {$2900.00}. The homeowners premium had increased to {$3100.00} which we quickly reduced to approximately {$2400.00} by increasing our deductible which should reduce the shortage by nearly {$700.00} but we are still being told that our payment will be increased {$370.00} due to the shortage once the {$700.00} refund from the insurance company is received. The shortage that developed over the course of 2 years and should have been addresses sooner if the first homeowners ' insurance increase had been taken into account in the first annual escrow analysis. We have been paying into escrow only $ XXXX for homeowners insurance for all this time and only now, 16 months after the first premium increase, are we suddenly being charged for all of the two years in addition to the upcoming year, all at once. We feel this unexpected huge increase due to the homeowners ' insurance not being paid on time is the fault of our mortgage servicer and a special workout should be put in place as a result ( extending time to pay the shortage ). We also feel they may be collecting too much as we have family members with a different servicer ( XXXX XXXX ), that had a larger shortage of {$3300.00} yet their payment only went up by $ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: OH

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Its been around 3 months already since I informed Bank of America about fraudulent activity on my accounts, they been difficult and not one bit helpful throughout this whole process. Now they concluded the claims and did not return all the fraudulent charges that were made, they are charging me interest on purchases I did not make and boosted up my minimum payments. On top of all this they charged me a late payment fee on a business credit card that they close a few days before the payment was due, so when I attempted to make the payment on the mobile app it did not allow me to make any payments to that account, which is ridiculous and i have video proof that when i try to make a payment through the app its does not give me the option to make payments to that account. On top of that I informed them of this and they still charged me a late payment and tried to make me pay the following month in advanced with extra interest fees and charges. They have boosted my minimum payment on this account to over {$200.00} and that's just that one account, they are doing something similar on my other 2 personal credit cards. This is ridiculous and they don't even care to assist me or inform me on what I should do. I have also requested information on why they are claiming that this charges weren't fraudulent and I never received it, this was well over a month ago. I don't understand why they are like this I have been complaining since the start and gave them all the information request and told them everything i know, even explained to them that my identity was stolen not only my credit cards and provided them with a Identity theft report from the Federal Trade Commission. At this point I'm making this complaints trying to get this out there so maybe some justice can be made, I'm already looking to just get a lawyer and take this to court. This is ridiculous I have missed so many appointment 's and even days of work because of all the calls and letters I've been having to deal with. Bank Of America is the only institution that's given me a hard time. XXXX literally made it soo nice and simple, I might take my self fully to chase and close all the business with Bank of America completely. I've been with bank of america for years now and never had and issue i dont understand why they have to be soo difficult, I have never even had a late payment in my whole credit history. Now they are ruining my credit score and this is affecting my relationship with other institution and given me a hard time whenever I apply for new credit or loans.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I purchased 2 gift cards, that were {$100.00} each, on XXXX XXXX, XXXX from a local XXXX. I attempted to use both the gift cards, for a purchase amount {$150.00}, on XX/XX/XXXX at a local XXXX XXXX and they both failed to work. I immediately contacted the gift card merchant. On XX/XX/XXXX, XXXX responded to my inquiry with instructions to help resolve my claims. I followed the instructions and responded on XX/XX/XXXX and received an automatic response email stating that I would hear back within 3-5 business days. After not hearing anything back, I followed up again on XX/XX/XXXX and received another automatic response email. Finally, I contacted Capital One on XX/XX/XXXX to file a dispute on the 2 gift card purchases. 

Capital One has denied my dispute and has failed to provide any investigation report detailing why they denied the claim, as I requested. 

Upon request, I can provide all documentation for everything stated in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: NY

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-05-24 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:
MY PERSONAL INFORMATION WAS STOLEN XXXX  AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB XXXX 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-05-24 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: CO

Complaint narrative:
ON XXXX I submitted a question to Mohela I am showing that I have a loan or several loans that have been in repayment for XXXX years now. When do I find out and how do I find out if these will be forgiven? 
Sometime this week it is not dated I received this response : Thank you for contacting MOHELA, We apologize for any inconvenience this may have caused. Please be advised, loan sequences XXXX and XXXX were recently consolidated and disbursed on XX/XX/2024. When you consolidate your student loans, one of the disadvantages is the loss of qualifying payments made ( prior to consolidation ) towards PSLF and Income-Driven Repayment ( IDR ) plans. 

For more information on the advantages and disadvantages of consolidation, please select XXXX XXXX under the XXXX XXXX drop down at the top of this page. Then select Loan Consolidation. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you, MOHELA Phone XXXX Fax XXXX TDD Dial XXXX XXXX M, XXXX T-W, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

I also know that on XXXX that it does say Switching from one qualifying repayment plan to another including XXXX will not affect your total payment count toward forgiveness. 

I would like a response and for this to be looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive noticed some accounts on my credit report that I dont recognize. It seems like they might be the result of identity theft, as I never authorized them. Ive brought this up with you before, and Im writing now to ask that these accounts be removed from my report as soon as possible. Having these accounts on my report has been really stressful. They dont reflect my actual credit history or my financial responsibilities, and its been tough dealing with the impact. If we cant sort this out, Im prepared to take legal action to defend my rights and find a solution. These incorrect items on my credit report have been a big obstacle for me. Theyre getting in the way of important financial goals I have, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I don't even know why this interrogation was done. I did not have any application

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 2024-05-24 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: MA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
XX/XX/XXXX called and has auto draft discontinued on loan. Got confirmation email. XX/XX/XXXX, they took at direct draft out of my account. I called them and confronted them about it. They put a stop payment on the payment on XX/XX/XXXX. Will not send me a copy of a electronic signature that they claim to have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

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 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I mobile deposited my husbands checks on my checking account and he signed it, they couldnt verify the checks so they froze my account and held the checks. They said in order to verify they would have to call my husband and verify from phone number but I changed carriers and nothing has happened I went to a branch with 3 forms of id with him and they said they could not do anything else which I dont understand HOW that happens if fraud can be Done that way as well I mean we went physically but they cant verify at the branch anymore but its around XXXX dollars and they said after XXXX yrs it will be sent to the state collections which I feel like thats illegal to do I just still dont understand how they cant verify physically i know there is machines where you can tell the ids are legit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
I was never notified that the alleged debt was going to be written off. The company is reporting inaccuracy payment history. If the debt is written off which means it was cancelled the company can not continue to collect on a debt that was written off. When a debt is written off/cancelled a 1099C form is to be filed with the IRS letting them know the debt is written off. I have not received any letter stating that this debt was written off nor have I received the debtors copy of 1099C. The company does not have my permission to sell the debt either if the allegedly have written/cancelled it. If this matter can not be resolved I will be contacting the IRS for failure to properly report that the debt was written off. I will also be making a report to the XXXX  XXXX police debt for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
I RECEIVED AN NOTIFICATION FROM MY CREDIT REPORT THAT THERE WAS A COLLECTION PLACE ON MY REPORT ON XXXX XXXX FROM CEDAR BUSINESS SERVICES FOR XXXX. I AM UNAWARE OF THIS DEBT AND DID NOT RECEIVE THE PROPER NOTIFICATION OF THIS DEBT. I ALSO HAVE NOT BEEN GIVEN THE CHANCE TO DISPUTE THIS DEBT ACCORDING TO 12 CFR 1006.34 ( C ) ( 4 ) ( I ) DEBT COLLECTIONS MUST NOTIFY YOU WITHIN 5 DAYS OF RECEIVING AN ACCOUNT AND THIS DID NOT HAPPEN. 

DEBT COLLECTORS HAS NO AUTHORITY TO FURNISH ANY ACCOUNT TO A CONSUMER REPORTING AGENCY WITHOUT PROVIDING PROPER DOCUMENTATION AND ALL DISCLOSURES REQUIRED BY LAW AND THIS IS A CLEAR VIOLATION OF 12 CFR 1006.34 ( D ) IF YOU BELIEVE YOU HAVE SUPPLIED ME WITH THE PROPER NOTIFICATION, PLEASE PROVIDE ME WITH THE CERTIFIED MAIL RECEIPT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation