vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
When filling putt the application with Navy Federal Bank over the phone, my information was not added at as disclosed for the application. I attempted to call XXXX XXXX left XXXX voice mails to call me back no response at the number of XXXX. I also called to inform of the application mix up and I was told an email was sent with still no call back. On XXXX XXXX XXXX called to let me know the application was going to underwriting I informed her of the mix up and she said it would be fine even though I was only able to prove HALF my income. I have been trying to get the company to assist me on getting this resolved. They TOOK my money for the application fees but do not want to call me back or report the charges as FRAUD because it was the banks mishap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TX

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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-05-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've identified fraudulent inquiries 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 explanation
Consumer complaint received 2024-05-09 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: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I sent this company a debt validation letter on XX/XX/2024. I received XXXX phone call on XX/XX/2024. I advised the agent on the line i did not wish to communicate via telephone to respond to the letter i mailed to their company to validate the alleged debt. The agent states they have not received such documentation from me and they were still attempting to collect on the debt. I advised her of the address in which i sent the letter to and she stated the address was incorrect and they never received the letter in question. Once i arrive home i check my mail and i have a letter from this company confirming they indeed received my debt validation letter and will cease collection attempts until the matter is resolved. I do not honestly feel this company is taking my request serious and willing to provide the requested information. I'm still getting phones from the company attempting to collect even after the letter is dated. I received XXXX calls on XX/XX/2024, XXXX calls on XX/XX/2024. I don't feel they have any true intent on providing the requested information or plan to make this process very difficult just based on my experience with this company. I've also looked this company up on XXXX XXXX XXXX  which it also appears they are not even licensed to be a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-09 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:
In XXXX of XXXX, I pulled my credit report and saw a debt collection that did not belong to me. I wrote to the credit bureaus disputing the collection several times. Specifically, I sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In addition, I also sent letters to the collection agency asking them to validate the debt on XX/XX/XXXX, XXXX, and XX/XX/XXXX. This is a collection incurred by my ex-wife. But I have not been able to prove it because up to now neither the bureaus nor the collection agency have either responded, investigated, or removed the collection that does not belong to me. 
I want this collection to be removed from my credit report. immediately.

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 2024-05-09 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: TX

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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Lightning Mortgage Holding Company Inc
State: AZ

Complaint narrative:
In XX/XX/XXXX th of 2024 I started a refinance for my house to pull out some cash, i worked with XXXX XXXX XXXX  XXXX with XXXX XXXX NMLS : XXXX, i asked whether it was possible to do because ive had yet to live in my primary addres a full year and didnt want to go throught it without it being too soon, XXXX said it should not be a problem and that we may proceed. So we proceeded back and forth got everything turned in and on the last steps got an appraisal and i paid for it out of pocket about XXXX dollars and i was ok with that. A week later had not heard anything and i contacted XXXX and he then said that FHA declined app due to me not living there for a full year and that we would have to resubmit application and appraisal and i needed to pay another XXXX for appraisal again. I talked to them about that fee being waived or discounted because it is their fault they misinformed into applying sooner rather than later and now i have to pay about a XXXX dollars XXXX  due to their mistake or misleading sales conduct. I want them to refund me what i paid for the second appraisal and i only think its fair since they mislead me with being able to procceed and saying that it should not be a problem applying the first time i did

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
In the last XXXX days I made multiple efforts to contact my mortgage services to review some of the banking information in my file. Each time I call I fine myself in what can only be described as a computer version of XXXX. It is impossible to speak with a live person. I sent a secure message to the company and received a response designating a phone number to call for service. I called that number an found myself in the same computer voice XXXX. I gave up after some XXXX minutes, only to go on line, research the company, and find dozens of reviews indicating the same problem. Not being able to talk to a live person at the company holding a mortgage on your home is a serious matter. Not being able to verify a mortgage company has correct payment information on record is also a serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: SC

Complaint narrative:
Dear [ XXXX, Experian ], I am writing to dispute the presence of [ XXXX XXXX XXXX XXXX  ] on my credit report. According to the Fair Credit Reporting Act, I have the right to request that any inaccurate or incomplete information be removed from my credit report. 

After reviewing my credit report, I have noticed that [ XXXX XXXX XXXX XXXX  ] is listed as [ charged off, such as delinquent or in collections ]. However, this account is not accurate as I have never had an account with [ XXXX XXXX XXXX XXXX  ]. 

I am requesting that this account be deleted from my credit report as soon as possible. I have attached a copy of my identification and any other relevant documents to support my claim. 

Please investigate this matter and provide me with a written response within 30 days as per the guidelines of the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, [ 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 2024-05-09 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: IN

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: U.S. BANCORP
State: CO

Complaint narrative:
I had an IRA-CD with U.S. Bank that matured in late XX/XX/2024. I had recently had another such IRA-CD mature with U.S.Bank and wanted to transfer it to another bank, and the process was so difficult, it took me a month. So I planned simply to renew the other CD, but was told that if it " rolled over '' for another two-year term, the rate would be an abysmal XXXX percent because that was the " market rate ''. ( Most banks were paying XXXX to XXXX percent at that time. ) I do not live anywhere near a physical branch of U.S. Bank, so this entire exchange and discussion was by phone. I called the bank a day or XXXX after the maturity date of the CD ( because you can't renew on the date it actually matures, you have to wait a day ). I said I wanted a better rate. A gentleman told me I could have a XXXX term at XXXX percent, and I said that would be fine and that he should go ahead. I thought that was the end of it. However, recently I was looking at my online accounts and saw that the CD had merely rolled over for another XXXX years at XXXX percent. Since this bank also has implemented a $ XXXX " maintenance fee '' on already existing CDs, I now am basically earning nothing. I called U.S. Bank at about XXXXXXXX XXXX XXXX on XX/XX/2024. Someone who said she was " XXXX '' said she would review my original call seeking to change the rate and I could check back in a week. I called about XXXXXXXX XXXX on XX/XX/XXXX, worked my way through the phone tree, was transferred twice, told my story to someone, was transferred to wealth management, went through another phone tree, and finally spoke to a woman who said she was named XXXX. She said a XXXX had been reviewing calls about this but did not see an update put into the record. She tried to message XXXX and finally reached her and said XXXX said I had not called in to request a new rate. I said that was not true. I was told I could speak to another manager named XXXX. She said it looked like I had indeed called the bank on XXXX XXXX, XXXX XXXX, and XX/XX/XXXX and other times. She said she would have to listen to the recorded calls, which could take time, but that she would have an answer by Thursday ( XX/XX/XXXX ) and would give me a return call. She gave me her phone number, XXXX. ( By the way, I have a recording of this call with her. ) She did NOT give me a return call on XX/XX/XXXX, so on Friday, XX/XX/XXXX, I called her at about XXXXXXXX XXXX XXXXXXXX and left a message asking her to call me back. She did not. My CD, which ends in XXXX, is still listed as at a two-year term at XXXX percent.

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 2024-05-09 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: MS

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-09 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: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
This is what is wrong and XXXX  many in our country. Credit card companies provide credit and credit limits with no fees and low interest rates. Once people actually use the credit and have balances they double and triple the interest charges. I find it interesting that the mortgage industry has been raked over coals on fees. Yet the auto industry and credit card companies can kill people with fees and interest. XXXX XXXX  Kohls I had $ XXXX available and have not used my card in months and on auto pay. Sir you have 3 months of interest charges over {$75.00} each. What interest rate are you charging me now??? 31.99 %!!! Talking about predatory lending. In an economy where many are struggling due to inflation something needs to be done! Rate hikes should effect new charges not old. Rate increases need to be better controled. Please advise how I can voice these concerns to have legislation passed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TX

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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 explanation
Consumer complaint received 2024-05-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

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