vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. 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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I canceled XXXX and tire protection on my car loan on XX/XX/XXXX ( over 5 months ago!!! ) I had to file a CFPB previously to have the dealer issue a refund ( case XXXX ). 
The dealer acknowledge to refund, and sent me an email that a refund was issued for {$1800.00} on XX/XX/XXXX. 
As of today I have not received the refund, and dealer is again not answering my emails. 

I'm attaching cancellation form, and last email from dealer confirming they issued a refund ... which was never received. 

Contacts information : - Hyundai Protection Plan administrator : XXXX - XXXX XXXX Hyundai dealer : Finance manager : XXXX 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 2024-03-27 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: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Servicing - NEW REZ claim to be a mortgage servicing company when they are really a debt collection company. I have tried unsuccessfully to either negotiate a pay off or have attorney fees charged to my account removed. On over XXXX occasions I have made payments that were listed as XXXX. As a result of this my loan was placed into the hands of their attorneys who have charged me almost {$5000.00}. In that time I have worked with XXXX loss mitigation officers. I have submitted the requested paperwork to them. on I believe XXXX occasions. Each time they do nothing with it until they send me a letter stating that it is now out of date. 

Shellpoint are not a good company to deal with. They have a XXXX  rating of XXXX out of XXXX *****. 

It is important to know that the mortgage in question has a principal balance of XXXX cent. There is a non-interest bearing balance of approx {$10000.00} + the {$5000.00} attorney fees that have been added. The reason my account is in this situation is because Shellpoint are not able to process my payments correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I pulled my credit report and noticed that a collection account from Jefferson Capital System and Im am not aware of the debt or have any knowledge of it. This company is also not bonded or insured to collect debt in my state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I became aware of this account upon receiving a derogatory account statement I called the card issuer and alerted them that I did not open nor authorize this account and they deleted the report from my credit and sold it to XXXX XXXX XXXX XXXX I'm currently still dealing with both to try and get this deleted I've furnished the police report as well as the identity theft report case number and still no resolution.

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 2024-03-27 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-27 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: EQUIFAX, 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 XXXX  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 XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: NJ

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I am a client of Ally Bank, an online bank headquartered in XXXX, Utah. On Wednesday XX/XX/24, an outgoing wire of {$70000.00} was made from my savings account without my consent, permission, or knowledge. That day, I had received a call from a scammer impersonating a representative from the Ally Bank Fraud department. They said that my account had been compromised and asked for my one-time passcode for security purposes, to verify my identity, so that they could reverse the transfer. I gave it to them. They said the wire transfer would be reversed but that I'd be locked out of my account until XXXX  XX/XX/24. 

On XX/XX/24 I logged into my account online and the wire transfer had not been reversed, so I contacted Ally Bank 's fraud department. It was extremely hard to get through and I was on hold for a total of more than XXXX hours. They said they had never contacted me, that I had been the victim of a scam, and that they would try to recover the funds, but it would be " tricky. '' They will not guarantee that they can reimburse the funds but said I would be contacted within XXXX days about the issue. They created a new account for me but it took a week for me to be able to access the {$30000.00} in funds remaining in my old savings account ( the one that was compromised ). 

According to my online bank statement with Ally, the wire was made to XXXX XXXX : XXXX XXXX  : XXXX  XXXX XXXX XXXX. XXXX  : XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX I also have a call-back phone number for the scammer, " XXXX XXXX XXXX XXXX XXXX. 

This money was for a down payment on a house I am planning to purchase. 

My complaint can be satisfactorily addressed with the return of the {$70000.00} taken by scammer from my account without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX 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 monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report.

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report.

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account XXXX : XXXX Please remove it from 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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
I'm not familiar with this company. I don't recall conducting any business with said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report.

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report.

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: MS

Complaint narrative:
The information on my consumer report is inaccurate

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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-27 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: WV

Complaint narrative:
My original student loan servicer sold my loan to Mohela at the end of the COVID forbearance. Somehow, Mohela got my bank account info and took {$190.00} out of my bank account for a payment without me uploading my bank info to Mohela and without my consent. They also did not notify me they were taking payment. I discovered it when I was looking at my online banking app. I didnt enroll into Auto Debit with Mohela XXXX My employer was making payments on my loan therefore Mohela got an extra payment in XXXX of 2023. I attempted to call Mohela and was on hold for over an hour and was unsuccessful at getting in touch with a representative. 
I was under the impression that my loans were in administrative forbearance because of the lawsuit filed against Mohela after they failed to send out statements after the COVID forbearance ended. Even though they did not communicate in any way that my loans were in administrative forbearance. On my account, it says that payment is not due until XXXX of this year. But yesterday, once again, I discovered a payment that was taken out of my bank account of {$190.00} even though it says payment is not due until XXXX. I have since enrolled in Auto Debit because when XXXX comes around, I didnt want to have to worry about remembering to pay. But I did not budget for this extra payment they took and I was not notified that a payment will be taken out of my bank account. Its impossible to get in touch with a representative and the website is unclear. I will be unenrolling in auto debit. I feel that this loan servicer has stolen money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I applied for a loan with Rockett Mortgage and they denied the loan on XX/XX/2024 and XXXX XXXX XXXX  is holding our {$5000.00} in escrow and have not return our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citibank NY which acts as an intermediary for XXXX XXXX was instructed to return funds to my XXXX XXXX account however after 3 years the funds have not been received and after repeated efforts to have the funds traced no response has been given.It is suspected that the funds were sent to the intermediary bank of XXXX XXXX  which is a XXXX XXXX account however to Date no updates have been given. The institution XXXX has made efforts to request a trace be done to locate the funds CITI bank has been unresponsive in thus request.

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 2024-03-27 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: IL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-27 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: Castle Mortgage Corporation dba Excelerate Capital
State: TX

Complaint narrative:
Closed loan in XX/XX/XXXX paid first payment in XX/XX/XXXX by check XXXX paid online XXXX tried to pay online and site did not allow me to so called on the XXXX of the month no answer called on the XXXX of XXXX and still no answer so had a business trip to XXXX XXXX, California and i sent a payment priority mail on the XXXX all along i was trying to reach out and never an answer so they are located in XXXX, Calif. so i decided to drive on the XXXX of XXXX arrived at CASTLE MORTGAGE CORP. dba EXCELERTE CAPITAL and offices had been abandoned, payment have not cleared and phones stay busy..

Company response to consumer: Untimely response