vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: AR

Complaint narrative:
On XX/XX/XXXX of every year, the XXXX XXXX Arkansas tax bills are available online to view for the current year taxes that are due every XXXX This information will be important later. On XX/XX/XXXX, Planet Home Lending completed an escrow analysis that listed the property tax as {$2500.00}. I reviewed the XXXX XXXX website and confirmed the actual amount due was just short of {$380.00}. This information was also accessible to Planet Home prior to completing the escrow analysis. I called, they were confused and unaware. They reiterated the amount due was {$2500.00}. I called them out on it, saying they couldn't have actually checked. The lady that day then decided to check, she came back and told me the amount was {$340.00} for what was due. I had to correct her and educate her on the difference between personal property tax and real estate tax. She pulled up the account for my personal property, my vehicles, and not the actual real estate. She finally got the correct information. I spent time calling them back after this to follow up and FINALLY about 3 weeks later they corrected the information but there continued to still be miscommunication and errors on their part. I keep records of everything. My husband and I decided to just cancel/delete our escrow entirely and manage the payment of our own taxes and insurance. Planet Home requested a statement asking for escrow deletion with both my husband and my signature. This document was sent and received by them on XX/XX/year>. A follow up call was made later that week. We were advised the document could not be located. After speaking with several people, they were finally able to 'find it '. Until today, I kept following up with no update. They called my husband twice. Because of his occupation, he was unable to answer. He advised me that they called and I returned the call today, XX/XX/year>. Today, I spoke with a supervisor who told me that the signature on the document sent in and the signature on our closing documents didn't match for my husband. I explained that in closing, you are required to sign A LOT of paper work. I didn't think that it was so far fetched that a person would shorten their signature to save their hand from cramping and to save time. Furthermore, I also shortened my signature on the closing documents. It didn't make sense that his signature wouldn't match, but mine would. I explained this to her and after I was placed on hold while she 'rereviewed " the documents. She came back to tell me that I was correct, the signature does just appear to be shortened. 
This company has been nothing but incompetent from the initial phone call and if it wasn't for my being diligent and attentive, they would be continuing to mismanage our account and take advantage of us. I am filing this complaint in hopes that it will yield a result in making the mortgage company accountable and to stop mismanaging our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: MO

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX i paid {$99.00} to join a monthly membership. on XX/XX/XXXX, the owner of the group informed us she was closing the group and we would be refunded for XXXX payment by XX/XX/XXXX. Once the refund did not show up in my account, I opened a dispute with cash app and provided them a screenshot of the message. On XX/XX/XXXX my dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY NAVY FEDERAL ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERLY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH NFCU AND THE CREDIT REPORTING AGENCIES REQUESTING VERFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN 30 DAYS. 

ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I, EXPERIENCES AND TRANSCATIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NC

Complaint narrative:
I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY XXXX XXXX  ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERLY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH NFCU AND THE CREDIT REPORTING AGENCIES REQUESTING VERFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN 30 DAYS. 

ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I, EXPERIENCES AND TRANSCATIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I called the number listed on my bill to cancel my American Express Delta Skymiles Gold Card on the day I received my XX/XX/year> paper statement. The only charge on the bill was an Annual Fee of {$99.00}. I explained to the representative that I was cancelling the account because of the fee and the fact that I was not using the card. The representative offered me an option of a different account that had less/lower fee, but since the card was more or less inactive, I declined and the process was completed. This took place on XXXX. 

On XX/XX/XXXX, I received XX/XX/year> statement with the fee still showing as a previous balance. I called the same number ( XXXX ), and after verifying that the account had been closed, was transferred to a live representative. When I explained the situation, the representative ( XXXX ) informed me that although the account had been closed, the fee remained due because I had not requested closure within 30 days of end of the bill cycle, which would have been XX/XX/XXXX. I did not receive a XXXX statement and explained this to the representative. I was told my case would be notated and sent to??? for review, but that she did not anticipate the fee to be reversed. 
She also told me that she didn't know the timeline of the review, and that I would not be contacted with the result of the review, but would continue to receive a monthly bill. When I asked her for the case number for my reference, I was told that this was told that this was confidential info. When asked to whom I could report my dissatisfaction, she said she didn't know. 

I then called the XXXX  Error Resolution number XXXX and spoke to XXXX XXXX XXXX ) who confirmed that what I was told was correct and said the the XXXX XXXX XXXX XXXX their operations ( which I suspect is incorrect ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have one saving account and several CDs with Marcus by Goldman Sachs ( XXXX XXXX XXXX XXXX, XXXX, UT XXXX ; XXXX XXXX XXXXXXXX ). 

Last month, when I tried to transfer my money out of Marcus, I was told that all my accounts were locked. I called Marcuss customer service many times to solve the problem but failed. Everytime I had to speak to a new representative and had to have long conversations with them, but none of them were able to solve the problem. They said I need to complete an Affidavit of Identity by mail but I never received such mail. They also said someone will call me to verify my identity and I never received such call from them. They locked my account for no reason and did not try to help me to unlock it. Now, I really need the money since my baby is XXXX XXXX  and is staying in XXXX. I must get the money immediately to save my baby! Thats too tough for a mom to take care of her baby and at the same time had to deal with this ridiculous situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: RAM America, Inc
State: MO

Complaint narrative:
I got a check from Ram payment llc Relient file number 2022-CFPB-0003 for paid fees they didnt provide. The check is from XXXX  and Im just trying to get a new check so I can get my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: MI

Complaint narrative:
I HAVE ALSO FILED A COMPLAINT WITH THE FTC. THE CASE NUMBER IS AS FOLLOWS : XXXX I am writing to dispute late payments listed on my credit report and change to PAID AS AGREED/NEVER LATE because Credit Reporting Agency 's have violated my Consumer Rights under 15 U.S. Code 1666b - Timing of payments. 

The erroneous account is as follows : XXXX XXXX account number : XXXX 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of defamation of my character and they have committed aggravated identity theft, because I didnt give them written permission to report this information, which is a violation of 15 USC 1666b .

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge which your agency can not furnish proof of it and needs to be CORRECTED TO PAID AS AGREED from all consumer reporting!.

The creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA 19016 days before the payment due date and you have failed to provide this which is hindering my chances of purchasing a home and I dont want me and my family to be XXXX  and left on XXXX XXXX with my kids. 
I have suffered extensive emotional distress over this violation or my consumer rights. I am demanding that you CORRECT the above late payments from my consumer report AS PAID AS AGREED AND NEVER LATE!. 
You have 14 days to respond upon receipt of this letter to CORRECT the referenced items AS PAID AS AGREED AND NEVER LATE and send me a new letter notifying me that the information has been CORRECTED TO PAID AS AGREED from all consumer reporting agencies and also mail me a new copy of my report or I will be seeking legal action against your agency for these damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: NV

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I filed a complaint before and the company responded with information that was incorrect. They stated that my loan was 100 days late in XXXX. This is incorrect. They also stated they sent letters stating my payments were not accepted, this is incorrect. No letters were received and the money was deducted from my account. This information the mortgage company is sending in is incorrect. There last company received XXXX payments in XXXX and did not send it over to them and now can not account for one of the payments while I continued to send payments. The date of XX/XX/XXXX they claim they filed for foreclosure they had {$14000.00} of checks which was enough to bring my account current. I started requesting this company apply my funds which they were holding since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: FL

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 2024-04-19 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: National Credit Systems,Inc.
State: VA

Complaint narrative:
REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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