vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MO

Complaint narrative:
My XXXX Account that I have had for approximately a year and half and have XXXX dollars taken out weekly from my outside banking account had a spending account opened not by me and on XX/XX/XXXX took XXXX dollars out of my outside banking account and on XX/XX/XXXX took XXXX dollars out of my outside banking account. They further tried to take XXXX dollars out of my outside banking account on XX/XX/XXXX but was able to stop this transfer once I realized what was happening as my bank account was wiped out. 

This money was then sent out to XXXX Recipients in the following amounts : 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 XX/XX/XXXX XXXX XXXX XXXX XXXX We reported this on XX/XX/XXXX to Credit Karma and have heard nothing back for 25 days. 

We have called repeatedly and only to get the run around from them and that " they have a special department working on it that does not take calls '' We called to dispute the XXXX charges on an account that I did not open to only be told on a recorded line that " we are unable to dispute any charges on our account '' by the Customer Service Rep. 

I chatted with your Member Support on XX/XX/XXXX to be told and I quote '' I personally will follow this case up, I understand how you feel at this moment. I would feel worried as you at this point, according to the system you have an update or resolution on Friday the XXXX, so I will take ownership of this to let you know about it. Sounds good? '' To this day XX/XX/XXXX, we have not heard from Credit Karma by phone, text or email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I have received dozens of phone calls in the past year, and an email today ( XX/XX/year> ) from Halstead Financial stating that I am in collections for debt. I have confirmed that I am not in collections and that the account information is not related to any accounts in my financial history. I have called the company twice and have confirmed that they do not have the correct person. Halstead Financial provided the DOB, last four numbers of the social, and a home address and asked me to confirm if that is my identification information. I have told them twice that the information they have provided does not match me and have requested that they stop contacting me. Halstead Financial representatives have said that they will remove my contact information. I am still receiving phone calls and email communications from the company regarding debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a large amount of inquiries on my credit report I don't recognize so can it get deleted please!

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 2024-04-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have a large amount of inquiries on my credit report I don't recognize so can it get deleted please!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I know that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards of the reporting. I should receive a {$1000.00} for each incorrect reporting on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
I closed on my home on XX/XX/XXXX. I closed with my employer at the time who was ( XXXX XXXX XXXX ). Approximately 120 days later they made a significant cut in my salary $ XXXX ). Did they know this would be taking place and didn't inform me prior to closing? 

Then in XXXXXXXX XXXX XXXXXXXX I was notified that my property was reassessed for property taxes due to the property changing hands. I knew it may increase but i had no idea it could quadruple. 

I recently was notified by my mortgage servicing company ( Pennymac ) that my escrow account had undergone an escrow shortage analysis. My mortgage payment has increased from {$2700.00} to {$3500.00}. I have to cover the shortage AND pay an additional 20 % padding OR I can come out of pocket $ XXXX + by the end of this month. 

Here is my question... how does any of this satisfy the XXXX? 

If the ability to pay a monthly mortgage obligation includes " expected property taxes ". 

THE KEY WORD BEING " EXPECTED '' See Below : XXXX. Monthly mortgage-related obligations. These obligations include expected property taxes, fees and special assessments imposed by a condominium, cooperative, or homeowners association, ground rent, certain lease payments, and certain insurance premiums and similar charges that are required by the creditor. See 12 CFR 1026.43 ( b ) ( 8 ) and related commentary.

How many other homebuyers has this happened to?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
After closing a refinance mortgage loan, my mortgage company had an unexplained increased to my balance upwards of {$XXXX} or more, in additions my term also increased from a XXXX term to new XXXX  year term. 

Sometime after the refinance was completed, my balance increased by upwards of {$XXXX After reviewing the mortgage loan paperwork from the new servicer, it appears that mortgage company combine my refinance loan with another unknown borrower who shares a similar name. 

As a result, combining these XXXX loans, the mortgage company adding an additional {$XXXXXXXX} to my existing loan because the other person had a much higher loan balance. The mortgage company also increased the term to a new XXXX term. 

It is estimated this XXXX have happen sometime after the closing of XX/XX/2016 Because paperwork is combined with XXXX different people from XXXX different states, property address and different dates. It is uncleared what the exact date of the error is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have raised a Dispute with XXXX, XXXX, TransUnion for a closed XXXX XXXX credit card account XXXX with XXXX XXXX XXXX The Creditor ( XXXX took over XXXXXXXX XXXX XXXX relationship with XXXX XXXX store cards ) has no record of a credit card account for XXXX ending in XXXX. Address of the Creditor has multiple versions with each of the credit score providers ( find below ). I am not liable for credit card account XXXX with XXXX XXXX and am requesting assistance to remove the account from each of the credit score providers : XXXX, XXXX, TransUnion. 

XXXX - Online Account : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX - XXXX Account : XXXX XXXX XXXX XXXX, GA XXXX XXXX - Credit Report : XXXX XXXX XXXX XXXX, PA XXXX TransUnion - Online Account : XXXX XXXX XXXX XXXX, FL XXXX TransUnion - Credit Report : XXXX XXXX XXXX XXXX, FL 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 2024-04-23 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I received a letter from Portfolio Recovery Associates , LLC alleging I owe a debt of {$720.00}. I requested competent evidence that proved that I owed a debt to them. I requested that they sent me a signed original contract/agreement between myself and them that provided me the consideration for their claim to be valid. I also requested they provide me the legal rights they have to collect in my state ( proof of insurance, registered with my state ). i was provided with no information I requested and I am made to believe they are attempting to steal my identity with is a felony in the state of Florida. I sent them certified mail on XX/XX/2024, XX/XX/2024 and on XX/XX/2024. They have also violated my rights which an invoice of {$6000.00} was with proof of violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to dispute the presence of an account on my credit report, specifically with reference to Capital One, Account Number : XXXX. The details of this account are as follows : XXXX : Account # : XXXX Account Type : Revolving account Account Status : Closed Date Opened : XX/XX/XXXX Balance : {$0.00} High Credit : {$4000.00} Credit Limit : {$3800.00} Payment Status : Paid or paying as agreed Last Reported : XX/XX/XXXX XXXX : Account # : XXXX Account Type : Credit Card Account Status : Closed Date Opened : XX/XX/XXXX Balance : - High Credit : {$4000.00} Credit Limit : {$3800.00} Payment Status : Paid, was past due 60 days Last Reported : XX/XX/XXXX XXXX : Account # : XXXX Account Type : Revolving Account Status : Closed Date Opened : XX/XX/XXXX Balance : {$0.00} High Credit : {$4000.00} Credit Limit : {$3800.00} Payment Status : Pays account as agreed Last Reported : XX/XX/XXXX I am disputing the presence of this account on my credit report because it has been paid and closed. As per my records and the information provided in the credit report, the account was settled and closed by my request. However, the report suggests a discrepancy in the status, implying that the dispute investigation was completed, whereas I maintain that the issue remains unresolved. 

Additionally, there is a consumer statement indicating that the account is in dispute. I request that this statement be removed as the account has been settled, and there is no ongoing dispute regarding its status. 

Thank you for your attention to this matter. I look forward to your prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX, XXXX account # - XXXX has violated my rights. 

15 U.S.C 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 hand 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 2024-04-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/24 there was an inquiry made on my credit report from a XXXXXXXX XXXX in XXXX and also Chase Bank for a credit card that was not done by me. I have reached out to both companies to have inquiry removed and to put a stop to applications. They granted the termination of application, however, they said they can not remove inquiry from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i recently sent letters to the 3 CRA 's disputing the inaccurate and incomplete information they are reporting on my credit report on XXXX, its been over 30 days by FCRA and i have received anything nor has the information been deleted from my credit report.15 USC 1681e ( b ) states that information has to be 100 % accurate and correct before reporting on a consumer report. I am requesting that the inaccurate information be deleted at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i recently sent letters to the 3 CRA 's disputing the inaccurate and incomplete information they are reporting on my credit report on XXXX, its been over 30 days by FCRA and i have received anything nor has the information been deleted from my credit report.15 USC 1681e ( b ) states that information has to be 100 % accurate and correct before reporting on a consumer report. I am requesting that the inaccurate information be deleted at once.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please take urgent action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into 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 explanation
Consumer complaint received 2024-04-23 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I have hard inquires on my account that I do not recognize nor did I initiate. I have filed a report of identity theft to the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MN

Complaint narrative:
I have hard inquires on my account that I do not recognize nor did I initiate. I have filed a report of identity theft to the FTC

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 2024-04-23 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: MI

Complaint narrative:
i recently checked my credit report and it said i had XXXX collection accounts one from ( XXXX XXXX XXXX ) XXXX XXXXXXXX for a total of {$310.00} XXXX i have never been associated with this company nor had i ever had an account with them also theres one from ( XXXX XXXX ) XXXX for a total of {$1400.00} XXXX i would like for these accouynts to be removed and deleted from my report i already put an fraud alert on there

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation