vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
My attached letter contains all information, dates, and documentary evidence. 

In short, my lender, Mr. Cooper, continues to use in accurate numbers in its escrow analysis in violation of 12 CFR 1024.17 ( c ) ( 7 ) ( as described in my attached letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: CO

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-10-25 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: CO

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/year>, the loan XXXX for our solar should have been paid off. It was in the name of my landlords mother but I was making the payments, my bank account was the only linked account, my email wad the only linked email, same with my phone number. 

According to their website, we owe {$0.00}, but they keep calling me. I've never been available when they call to see what they want, but when I call back they tell me they can't tell me why they're calling because im not an authorized person on the account, even though every single time I've called when we still owed money, they told me whatever I asked. 

I just need to know WHY the keep calling me. They gave me whatever information I needed while we owed them money, so im wondering why all of a sudden, after we fully paid the loan, they can't talk to me anymore. 

My roommates mother 's name was on the loan amd she's now deceased, and they certainly were quick to help myself ( who they won't talk to anymore ) and her husband ( who has NEVER been involved in the loan ) get whatever info we needed. They're just talking to anyone as long as it gives them money, and since they have my bank account on their site, I don't trust them and want them to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: LEXISNEXIS
State: NJ

Complaint narrative:
After reviewing my consumer report I must inform you that I am NOT responsible for the listed account ( s ) as I have been a victim of identity theft. Ive already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt. I am instructing you to please delete the following fraudulent account ( s ) and inquiries from my consumer report immediately. Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please see attachments for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: CA

Complaint narrative:
There are two separate issues. 

I have recently been granted XXXX and my loans at the time were with Mohela. I was credited with making XXXX out of XXXX payments. I have called multiple times to see how and when I would get a refund for the 2 overpayments. They directed me to call the XXXX, who then stated I had to speak with Mohela. I spoke with Mohela again and was told that I had no credit balance and therefore there would be no refund. I believe that since I made two extra payments, that I am entitled to a refund for those. 

The other issue is that on XX/XX/year> my loans were with XXXX. At the time, my job was not eligible for XXXX so I made an extra payment of {$5200.00}. About a couple years later, my job was now eligible for XXXX. I called XXXX and asked if that {$5200.00} could be used for future monthly payments towards XXXX, which they agreed. The loans were then transferred to Mohela. At no time did Mohela use that money as directed and agreed upon for monthly XXXX payments. I continued to make payments because I wanted to get closer to XXXX without an issue. I spoke with Mohela multiple times to try to have the funds applied correctly with no success. At this point I would like the money to be refunded. The lack of organization and communication from Mohela should not be a reason for the money to be lost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
I've come across an error on my credit report involving an account that either isn't mine or contains incorrect information. This mistake is harming my credit score, and I'd like it corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Dear Consumer Finance, I am writing to bring to your attention a deeply troubling situation with my Citibank account that raises serious legal and ethical concerns. 

On XX/XX/year>, I attempted to transfer {$10000.00} from my Citibank account to my XXXX XXXX XXXX account. I encountered a multi-factor authentication error and was instructed to call Citibank for assistance. After more than an hour of being transferred between various departments, I was ultimately locked out of my account. 

Despite providing all requested informationmy Social Security number, account number, phone number, a code sent to my phone, and my debit card numberthe representatives informed me that they could not unlock my account due to internal policies. This situation feels unjust and unacceptable, especially since I am currently out of the country for the next three months. 

Citibank 's only solution is to send a letter to my home address containing a code, which I can not access while abroad. This process not only puts me at risk of being stranded without access to my funds but also raises serious questions about consumer rights. 

When I inquired about other options, I was told there were none. I even requested to close my account and transfer my funds to my other bank, only to have that request rejected. This experience is frustrating and unacceptable, and I believe it reflects a systemic issue that should not be tolerated. 

I urge you to investigate this matter, as it highlights significant concerns about consumer protections in our financial institutions. 

Thank you for your attention to this urgent issue. I look forward to your prompt response.

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 2024-10-24 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: NC

Complaint narrative:
I recently reviewed my report and noticed some fraudulent accounts.please remove these accounts they are hurting my ability to obtain credit

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 2024-10-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I received an offer from Capital one shopping in their app that stated if I purchased a Camp Chef woodwind pro XXXX grill from XXXX XXXX XXXX through their provided link I would get 30 % cash back. Nervous the offer was too good, I used my wifes app and got the exact same offer and bought it through her link. I took a screenshot of how it broke it down on what I would get back, it said {$350.00}. So I decided to use this offer because the grill is very expensive. Within 1 day capital one tells me this purchase is ineligible. Nowhere in their app did it have ANY TERMS AND CONDITIONS! I have the screenshots, theres nothing for this specific offer. They have generic conditions under their settings but its not specific to every purchase. So I tried to cancel, XXXX refused to cancel the order. I contacted capital one, they told me that they cant do anything until 30 days have passed. Inexcusable. I have a grill I bought under the assumption I was getting a $ XXXX reward on. If I dont return this immediately to the shipper XXXX have freight charges incurred on returning a XXXX pound item. I followed every rule by using their app, buying in the app, not opening any other browsers etc. I have screenshots of everything and it doesnt say the item is ineligible, only gift cards. There is no listed exclusions about using any discounts, coupon codes or cash back limits. 

To make it more infuriating they sent me an email from capital one shopping on Monday morning telling me theyll give me 30 % back on this specific item from XXXX, but it has a {$250.00} cash back maximum. This doesnt exist to any offers that pop up in the app, it just says the amount. 

This is such a scam, they offered it to me and I bought it and now theyre trying to scam me out of $ XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-25 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: LA

Complaint narrative:
After reviewing my credit report, I noticed an account that appears to be misreported or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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:
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 2024-10-24 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: AR

Complaint narrative:
I decided to take a look at my credit and noticed some fraudulent accounts listed on my credit 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 non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mortgage Connect LP
State: NV

Complaint narrative:
Hello, upon putting in an offer on a property XXXXXXXX XXXX  Forced me to use a specific title/escrow company, Mortgage connect Which caused several delays, missed an easement, undo stress about extending my lease, rushing through a construction remodel and Missed important, deadlines, incorrect paperwork, incorrect recorded deed, which was rejected three times. I am extremely upset about the water easement that was missed as well on my property which now is going to cause future issues, resale value and disclosure problems.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
i submitted a previous complaint requesting specific documents which you gave me so Thank you for sending that. However, after going through the documentation that you have provided, you dont have any proof that I owe you anything and you have the authority to collect. I refuse to pay.

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 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope this message finds you well. I am writing to formally address a violation of my privacy rights. I did not authorize the inclusion of this information on my credit report, and its presence constitutes a clear breach. This not only damages my reputation but also affects my creditworthiness, as it has resulted in the denial of new credit applications. 
The negative impact on my credit score is unacceptable, and I hold your organization responsible for this negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: NC

Complaint narrative:
I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature, these inquiries appear on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite this efforts, your bureau has yet to resolve this matter satisfactorily. 

It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, please removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-10-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My auto renewal Chase bank CD was closed and funds were transferred to my checking account.! 

I opened the CD on XX/XX/XXXX, and on XX/XX/XXXXXXXX  my CD was closed, and funds transferred to my checking account without my knowledge.! 

I complained at the branch and was referred to the XXXX XXXX XXXX XXXX XXXX. I was contacted by XXXX at XXXX, extension XXXX. 
She said that she / bank will only communicate verbally.! 
She was unable to trace who authorized the closure of my CD account.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
I was completely shocked to see inaccurate accounts appear on my credit report this morning, and I have no clue how they got there. I check my credit report regularly, but this time, there were errors that came out of nowhere. I even refreshed my browser, thinking it might be a glitch, but nothing changed. These false accounts didnt disappear after refreshing, and now Im really anxious. Im asking for the documents Ive sent to be reviewed thoroughly so I can finally put this behind me and not live in constant worry.

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