vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: NJ

Complaint narrative:
On XX/XX/year>, I sent my opt-out notice letter to XXXX XXXX XXXX I am filing a complaint against XXXX XXXX for violating my consumer rights under federal and XXXX XXXX law. XXXX XXXX shared my financial information with third parties without offering an opt-out, violating the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Fraud Act ( XXXX XXXX, and Identity Theft Prevention Act. Despite my objections, they claim their Privacy Policy permits sharing, conflicting with XXXX and XXXX law. 

I have not received confirmation of my opt-out status, and my information continues to be shared with consumer reporting agencies. Requests for a detailed account breakdown were ignored, violating the Truth in Lending Act ( XXXX ). XXXX XXXX also disregarded my mail-handling instructions, resulting in a privacy invasion and potentially deceptive practices under XXXX, harming my credit and privacy. 

Their unauthorized sharing constitutes identity theft under 15 USC 1681a ( q ) ( XXXX ). I request that this account be removed from my report and that my privacy rights be enforced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: NJ

Complaint narrative:
On XX/XX/year>, I sent my opt-out notice letter to XXXX XXXX XXXX I am filing a complaint against XXXX XXXX for violating my consumer rights under federal and XXXX XXXX XXXX XXXXXXXX XXXX shared my financial information with third parties without offering an opt-out, violating the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Fraud Act ( XXXX XXXX, and Identity Theft Prevention Act. Despite my objections, they claim their Privacy Policy permits sharing, conflicting with XXXX and XXXX law. 

I have not received confirmation of my opt-out status, and my information continues to be shared with consumer reporting agencies. Requests for a detailed account breakdown were ignored, violating the Truth in Lending Act ( XXXX ). XXXX XXXX also disregarded my mail-handling instructions, resulting in a privacy invasion and potentially deceptive practices under XXXX, harming my credit and privacy. 

Their unauthorized sharing constitutes identity theft under 15 USC 1681a ( q ) ( XXXX ). I request that this account be removed from my report and that my privacy rights be enforced.

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 2024-11-13 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: IL

Complaint narrative:
these credit inquiries were unauthorized and fraudulent. Please remove from my credit report. XXXX XXXX, XXXX, XXXX, Factual data consume XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Closing my CD with CITIBANK , N.A . - the only option to receive my funds was a check sent untracked / uncertified via XXXX to my home address. 
While CITIBANK online tools and written letters refer to electronic changes ( e.g. withdrawal of CD funds ) being a possibility - no electronic way of transferring my funds was made available to me. 

After spending XXXX mins with the CITIBANK customer service on the phone, the only way to receive my CD funds at account closure was via check. A wire transfer was initially suggested ( I was willing to pay the associated {$25.00} domestic transfer fee ). But it turned out that I was not able to initiate the transfer directly from my CD account to an externally linked checking account with another financial institution. I would have to open a CITIBANK checking or savings account first- which would ruin my XXXX XXXX. 

This is a terrible business practice, misleading written statements regarding possible online change options and presents a huge " barrier to exit '' / switching cost for me as a customer. There was no mail tracking number provided and as to the risk involved, CITIBANK would launch an investigation IF I wouldn't receive my check in the mail. 

Today, the account was closed, and I am currently awaiting to HOPEFULLY receive my check as uncertified mail within the next XXXX business days. Tough days of anxiety and uncertainty ahead of me waiting for my entire life 's savings to arrive via XXXX mail. TERRIBLE customer-focus!!!

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 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
I recently received about XXXX hard inquiries on my credit that i do not recognize The enquirers are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: VA

Complaint narrative:
This is a follow up on a previous complaint ( see below ). They only responded through this complaint and stated that they consider the issue resolved. I never would have agreed to 50 % in finance charges. I believe we were mislead by both the Home Fix company and then the lender. The signature on the contract they provided IS NOT MINE. It is in the same writing as other areas of the form and I NEVER sign documents like that because I do not go by my first name. I believe that we were mislead and taken advantage of. We can not afford these payments. If I have {$10000.00} extra dollars, I would have just bought the windows. This contract makes no sense to me and refers to finance charges in Florida authorized by Chapter 516. Does not mention finance changes in Virginia. 

I can not afford these payments and I did not sign this contract that lays out the terms. It is not my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XX/XX/year> LVNV Funding LLC Resurgent capital services XXXX XXXX XXXX XXXX, SC- XXXX Subject : Cease and Desist Notice Regarding Unauthorized Access to Credit Information for ACCOUNT # XXXX Dear LVNV Funding LLC, I am writing to formally notify you that I did not provide consent for your company to obtain my credit information. Your actions constitute a violation of my privacy rights and may also be indicative of identity theft. 

Please be advised that I demand you cease all actions related to this unauthorized access immediately. I require that you take the following steps : 1. **Cease all collection activities** associated with my name and personal information.

2. **Provide written confirmation** that you have ceased all actions and will refrain from accessing my credit information in the future.

3. **Investigate and rectify any potential misuse** of my personal information within your records.

I am keeping a record of this correspondence and may pursue further action if this issue is not resolved promptly. I expect a written response within 15 days of receipt of this letter.

Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Someone opened a fraudulent account for XXXX bank in my name. I am a victim of identity theft also a victim of 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 explanation
Consumer complaint received 2024-11-12 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: CA

Complaint narrative:
I think my XXXX XXXX opened these accounts under my name when we broke up. Please remove these from my report, thank 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 2024-11-12 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: NY

Complaint narrative:
Re : Formal Dispute of Fraudulent Accounts Under the Fair Credit Reporting Act ( FCRA ) Request for Removal of Fraudulent Accounts from My Credit Report Dear Experian XXXX Department, I am writing to formally dispute several accounts on my Experian credit report that I did not open, authorize, or recognize. These accounts have been opened fraudulently in my name, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Upon reviewing my credit file, I identified the following accounts that I did not initiate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX request that you conduct a thorough investigation into these accounts, as they are clearly the result of identity theft. According to the FCRA, specifically 15 U.S.C. 1681c-2, I have the right to request the removal of fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681i, I am entitled to a prompt and fair investigation, and you are required to respond to my dispute within XXXX days.

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 2024-11-12 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. Copper is delinquent on paying a portion of my property taxes for over a year and a half on my XXXX XXXX XXXX XXXX. Their phone service is automated and will not connect you to a live person and eventually hangs up on you. They have an email address that sometimes will respond, but has not at all the last XXXX times. 
XXXX years ago they sent a letter basically saying there was no issue and taxes were paid in full. They do understand their is a XXXX XXXX XXXX XXXX with a separate bill from the first XXXX XXXX XXXX. I refinanced XXXX  years ago and this was not a problem for the first XXXX years. I am getting multiple letters from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I applied for the SAVE plan on XX/XX/24 and it was approved. I made my first payment on XX/XX/24 after my XXXX grace period ended. On XX/XX/24 the federal court injunction blocked SAVE and Mohela put me into administrative forbearance. In XXXX I logged into Mohela and saw it said I had a payment past due despite this, and it had placed my loans on a standard repayment plan. I had to call several times to get a hold of someone who told me my SAVE plan was processed in XXXX, but only applied to 12 of my 14 federal loans, and that the other 2 needed to be put on SAVE. She submitted an administrative forbearance application for me and advised me to reapply to SAVE just in case, which I did on XX/XX/24. Now I log into Mohela today and see that all 13 of my loans are listed as payment due, on a standard repayment plan, and that my forbearance is expiring in 2 days. I submitted 2 forbearance applications within the last month and Mohela has not done anything to fix the issue, I call and wait on hold for estimated 2 hours so I request a call back and they never called back. The administrative forbearance for SAVE is also supposed to be interest free due to the court case, but I believe my loans have been accruing interest. Mohela has no interest in helping borrowers or fulfilling their duty as a loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: MS

Complaint narrative:
Medical Data Systems sent a text message to me to collect a debt from XXXX XXXX XXXX. I have never received services from XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX and spoke with their billing department. They have no record of me or the debt ever existing in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
Mixed information on my credit report is showing accounts that are not mine, and its harming my credit score. I have reached out several times with no action taken.

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 2024-11-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FORTIFI FUNDING III LLC
State: CA

Complaint narrative:
I am submitting a formal complaint regarding XXXX XXXX XXXX XXXX XXXX ( doing business as FortiFI ) for engaging in unfair business practices, neglecting consumer protection obligations, and allowing price gouging in connection with my PACE loan for home improvements. FortiFI provided {$77000.00} in financing to XXXX XXXX XXXX on XX/XX/XXXX, without adequate assessment or safeguards. This failure to ensure fair practices led to excessive pricing and predatory tactics used by XXXX XXXX, which FortiFI permitted to participate in the PACE program. 
XXXX XXXX applied high-pressure tactics to secure my agreement to the loan from FortiFI, claiming it was necessary for home improvements. FortiFI not only released funds to XXXX without verifying the validity of the assessment but also failed to monitor the transaction to prevent price gouging. Recently, FortiFI issued XXXX checks to me to address overcharges on the assessment, yet this action does not rectify the inflated initial loan amount or mitigate the substantial financial burden I have borne since XXXX, as I have paid taxes and interest on this loan for over five years.

Despite my repeated complaints and the existence of numerous allegations against XXXX, FortiFI has not canceled my loan. On XX/XX/XXXX, the California Department of Financial Protection and Innovation ( DFPI ) issued a Desist and Refrain Order against XXXX XXXX due to fraudulent activity. Yet, FortiFI has avoided responsibility for failing to properly vet or oversee XXXX practices. In my DFPI complaint dated XX/XX/XXXX, FortiFI acknowledged that XXXX XXXX held a current and active CSLB license. However, despite this, FortiFI allowed XXXX to receive loan funds without officially enrolling them in the PACE program, placing me and others at risk of financial harm. 
Given these factors, I believe FortiFI has failed in its consumer protection obligations and violated my rights as a borrower under several laws, including : California Business and Professions Code 17200 ( Unfair Competition Law - UCL ) Truth in Lending Act ( TILA ) Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) I request that the CFPB investigate FortiFIs business practices, particularly their lack of oversight and approval of unjustified charges. I am also requesting that FortiFI cancel my loan entirely to address the financial harm caused by their facilitation of this inflated and predatory transaction. 
Thank you for your attention to this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
Contacted BMW Financial Services on XX/XX/year> and informed them that I could not make payment due on XX/XX/year> for {$620.00} because my checking account was compromised and bank is currently looking to get issue resolved. 

Requested that payment entire payment due on XX/XX/year> deferred and added to last payment of loan. Representative informed that she could not honor my request because account is not at least XXXX months old. 

The representative did however inform me that I can change the due date. 

Changed the due date to XX/XX/year> and thereafter the monthly payment are due on the XXXX of each month. This is what I agreed to. 

Today, called BMW financial services to verify how many payments were made and the due date each month for payments. 

Representative informed me that pay is past due XXXX days and the monthly payment of {$620.00} was due XX/XX/year>. Moreover, representative informed me today that because the billing was printed that due date of XX/XX/year> could not be changed to XX/XX/year>. 

Requested to speak to supervisor and she informed me the due date change is effective XX/XX/year>. Informed supervisor that I clearly acknowledged the due date effective XX/XX/year>. However, she maintained her position that due date change is effective XX/XX/year> which is incorrect. 

BMW financial Services is doing their best to deceive me, which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I am writing to formally request a resolution regarding a refund of over {$600.00}, which I have been trying to obtain since XX/XX/year>. Despite numerous calls and conversations with several supervisors, I am repeatedly told that the refund process will take 60-90 days. However, it has been well beyond that timeframe, and my refund has still not been issued.

In addition to this, I have spent significant timeoften over three hoursattempting to reach customer service, yet I have seen no progress on my case. This experience has been extremely frustrating, and I am seeking immediate action to resolve this issue. 

I expect the refund to be processed promptly, as this delay has been ongoing for far too long. 
Thank you for your immediate attention to this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation