vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was a victim of identity theft with a bank that Im dealing with people gotten into my checking account The bank decided to close my account due to the transparent of XXXX somebody, got into my checking account and I dont know whats happened because the bank didnt get me any information about my account so I did know what happpen they said I have to wait 30 days to find out what happened with my account, but I still dont have access and it is a block on my account and I dont know whats going on with my checking and savings account

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-12 00:00:00
Product: Mortgage — Conventional home 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: SUN WEST MORTGAGE COMPANY, INC.
State: AZ

Complaint narrative:
XX/XX/year> Sent a notice of rescission based on fraud, deception and extortion. I sent it via US mail service. I'm exercising My right for rescission of the mortgage corporation. 
I will attach the letter I've sent them with my explanation, with all the title codes and UCC codes. 
The amount would be how much money they made off of my promissory note and deed of trust, which is 10 times the amount of the asset on the deed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
So early in XXXX I was hacked several times on XXXX one night i just got paid and from XXXX and I got hacked again well I was asleep I went from XXXX dollars to XXXX over night I called money network my debit card provider and explained to them the issue apparently the person did a terrible job but I wouldnt find that out till XXXX  months later still fighting to get that money back today. They tried to put the blame on me saying that I must have gave my personal information to someone which was absolutely false. So fast forward a month and a half later I start receiving notification from XXXX saying that my banks are calling for refunds and at that time I had switched to new banks XXXX XXXX XXXX XXXX and I never contacted them about XXXX at all so I gave both banks a call they said no we never contacted them and would not with out my consent so I contacted tangos support they took a week to reply and they said yes sorry that it was an error and there was nothing they could do and contact my bank for a refund. Which I did and then my both banks are telling me to contact the merchant so all parties are blaming each other and XXXX out of money and no help. XXXX gave me a provisional credit and then reversed it leaving me negative and any money that came in went to the debt so costed me more.. I am truly left with nothing no options or help I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
This situation was addressed in a previous complaint that was not resolved I was denied a home equity mortgage. The bank refused to furnish me a copy of the actual XXXX XXXX report that was used to determine my eligibility. I requested a copy of the actual report because XXXX XXXX and the annual credit report website did not give me a full report with my score. 


original complaint number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business 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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding, LLC aka Resurgent Capital Services is located in South Carolina and is a collection company that is attempting to collect for XXXX XXXX on 2 debts in the amounts of {$2700.00} and {$2100.00}. I have previously notified the FTC that the accounts were compromised as a result of identity theft, yet rather than remove the accounts disputed through the proper channels, they have repeatedly reported false information to the 3 credit bureaus, XXXX XXXX, XXXX and XXXX. this has happened since XXXX of 2024. I have disputed the debt with them on 3 separate occasions and also with the 3 credit bureaus but they refuse to follow the laws governing the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TN

Complaint narrative:
I am contacting you in hopes that you can help me get this fraudulent credit card account XXXX opened in 2016 from my credit report. I am not sure how someone got all my information other than being in several breaches. I have been trying to fix this and it is still listed on my credit report. Please assist me with removing this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: WV

Complaint narrative:
This is a new request to investigate a previous grievance. On XX/XX/year> my account was hacked and a loan for {$10000.00} was taken out in my name. I was then scammed by someone I thought was with the credit union who directed me to transfer the {$10000.00} out to the person who had hacked my account. This was a scam and I have proof of it. The credit union refuses to take this evidence into account and are refusing to write off the loan. 

I have attached evidence that this loan was originated from XXXX, most likely by a pro scam group. 

XXXX 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 2024-09-12 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: FL

Complaint narrative:
During 2020, I have 5 months of late payments due to the XXXX virus outbreak. I reside in Florida which was a stay in place state. I have no late payments previous to XXXX nor after the lockdown. I requested that they review my account and they stated that it would be removed from my credit report. It has not after multiple attempts on my part.

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 2024-09-12 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: FL

Complaint narrative:
During 2020, I have 5 months of late payments due to the XXXX virus outbreak. I reside in Florida which was a stay in place state. I have no late payments previous to XXXX nor after the lockdown. I requested that they review my account and they stated that it would be removed from my credit report. It has not after multiple attempts on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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 disputed an sent a letter to Transunion Credit Bureau to remove all inaccurate reporting between XX/XX/year> & XX/XX/year> an ask them to remove all derogatory remarks an inaccurate information and they are still reporting inaccurate information on my 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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-12 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: AZ

Complaint narrative:
Equifax is reporting an old account from XXXXXXXX XXXX which is over 7 years old. Account was opened on XX/XX/year>. The last active date is reported as XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: NV

Complaint narrative:
I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question. 

I am currently in the process of purchasing my first home for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter will not only help rectify errors on my credit report but also facilitate a significant life event like the purchase of our family home. I appreciate your immediate action in resolving these discrepancies.

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 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synovus Bank
State: MS

Complaint narrative:
XXXX XXXX sent XXXX closed account .15 USC 1692 c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
During the month of XX/XX/2024, I attempted to go online to pull my credit report. With all XXXX credit bureaus, I was informed that I was not providing enough information to verify my identity. This made me question, if there had been any identity theft issues with my credit. As a result, I ordered all three of my credit reports via mail, to submit additional information to verify my identity. Upon receipt of my credit report, I noticed accounts that were not my accounts. I never opened these accounts or gave my permission to have these accounts opened. I also noted inaccuracies with the spelling of my name and previous addresses. 

PLEASE REFERENCE THE FTC IDENTITY THEFT REPORT ATTACHED dated XX/XX/2024,

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 2024-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
In XXXX, I was assessed an insufficient funds fee for my mortgage despite the fact that there were sufficient funds in my bank account. I contacted my bank to determine why the payment was declined, and my bank told me that they never received the ACH request from RoundPoint. Accordingly, I called RoundPoint, and I was told that the customer service agent would put in a request to waive the fee, and I should hear back by the end of the month. I never heard back. So, I called again, and this time I was told that the previous customer service agent was incorrect, and all fee waiver requests would have to be in writing. I then emailed customer service on XX/XX/XXXX, but again never heard back. I sent another follow-up email on the XXXX of XXXX but never heard back. I called RoundPoint several times since my emails were unanswered. Every time I was promised a response, but RoundPoint never contacted me. I emailed again on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I requested that RoundPoint show me the documentation where my bank declined the payment. It is now over XXXX months later, and all that RoundPoint has stated is that their own internal review shows that they did not make a mistake.

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 2024-09-12 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and I'm not filing this claim in the XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. The account information is below. 
Account : XXXX XXXX, Amount {$430.00}, Acct # XXXX Account : XXXX XXXX XXXX Amount {$2000.00}, Acct # XXXX Inquiry ; XXXX XXXX Names : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.

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 2024-09-12 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: FL

Complaint narrative:
My name is XXXX XXXX and I'm not filing this claim in the XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. The account information is below. 
Account : XXXX XXXX, Amount {$430.00}, Acct # XXXX Account : XXXX XXXX XXXX, Amount {$2000.00}, Acct # XXXX Inquiry ; XXXX XXXX Names : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.

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