vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Mercury Financial Intermediate LLC
State: PA

Complaint narrative:
I asked for a payoff letter for the loan I have been approved for, XXXX XXXX XXXX has denied my request and is refusing to send one and has sent a current balance letter instead which does not include the amount of interest, or how much to pay off the account. In that letter it specifically says this is not a payoff letter and to call to get the payoff letter. I called again and informed them they are required to send me one when requested and they have denied my request again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
On XX/XX/XXXX I mailed dispute letters to experian disputing inaccurate information. But the only response i kept getting back from them was the generic email on XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

I called them their response was that the dont know if someone was using my infomation. so i asked how can a account be opened and reported to them so easily but takes so much to dispute and all the operator could keep telling me was. I can start a dispute over the phone with her that i perfer not to do because i lose alot of my rights as a consumer. I sent in every document possible to prove who I am

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 2024-12-20 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$520.00} Charged Off XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$1000.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$800.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$460.00} Charged Off XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$470.00} Charged Off XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number XXXX Open Date XX/XX/XXXX Balance : {$1200.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number XXXX Date XXXX XX/XX/XXXX Balance : {$1100.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$660.00} Collection XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number XXXX Date Opened XXXX XXXX, XXXX Balance : {$1200.00} Collection XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1100.00} Collection New Added : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$490.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$250.00} Late/Open XXXX  XXXX Account Number XXXX Open XX/XX/XXXX Balance : {$510.00} Late/Open

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The last week in XXXX Bank of America closed my account because of tax refund and they have not returned the remaining amount to IRS like they told me they were..It 's the holiday season and they took my hard earned money

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My XXXXXXXX XXXX XXXX information is not being reported by XXXX and TransUnion, however it is present on XXXX. 

Credit card age, usage, balance, and payment history is not being reported when I log into XXXX and XXXX XXXX. 

I would like that information to be present to increase my credit age, utilization, and payment history so that I can continue to make progress on improving my 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 explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My XXXX XXXX XXXX information is not being reported by Experian and XXXX, however it is present on XXXX. 

Credit card age, usage, balance, and payment history is not being reported when I log into Experian and XXXX XXXX. 

I would like that information to be present to increase my credit age, utilization, and payment history so that I can continue to make progress on improving my 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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I fully paid off my XXXX XXXX XXXX account, and the payment posted at XXXX XXXX  that same day. Although the account currently shows a {$0.00} balance, it is still being reported to all three credit bureaus as charged off. This reporting is incorrect, and I have not received a 1099-C, which XXXX would be required to issue if the account had indeed been charged off. 

Attached is a screenshot of the current XXXX Account status. It shows that the account was paid in full and has a current balance if {$0.00}.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I fully paid off my XXXXXXXX XXXX XXXX  account, and the payment posted at XXXX AM that same day. Although the account currently shows a {$0.00} balance, it is still being reported to all three credit bureaus as charged off. This reporting is incorrect, and I have not received a 1099-C, which XXXX would be required to issue if the account had indeed been charged off. 

Attached is a screenshot of the current XXXX Account status. It shows that the account was paid in full and has a current balance if {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a secured credit card for {$500.00}, I called on XX/XX/year> to closed my account and paid off the balance using my own security deposit, the agent on the phone call advised to paid off the XXXX in order to have a {$0.00} balance. I authorized the payment, the agent informed me that the balance will remain on my account for a few business days because we did the transaction on a late afternoon on a Friday. I received a late fee email this morning and check my balance it was over {$52.00}. I called and spoked to a Senior account XXXX her name is XXXX ID # XXXX and put me on hold for over XXXX minutes to " review the XXXX minutes call '' she informed me that I was informed in advance of the interest charge for the next statement and she was unable to reverse the late fee of {$40.00} dollars. I asked her why I was getting charged {$40.00} late fee instead of {$25.00} she told me that is because the terms and conditions states up to {$40.00} for late fee. In my entire consumer experience with Capital One NEVER had a late fee over {$25.00} looks predatory in my eyes that they knew this was my last late fee with this credit card and they decided to charged me {$40.00} instead. This was a terrible experience and their ethics standard is very questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: VA

Complaint narrative:
I was stunned to find out that my credit report includes accounts that dont belong to me. These errors are damaging my credit score and causing me unnecessary stress.

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 2024-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I tried to access my online savings account at Webster bank but was denied access. I called the customer service number to inquire what was the reason for blocking my access. After being on hold for 2 hours the rep told me that their Fraud Dept would get back me in 24 hours. I told her that I need access to my account and why cant she resolve whatever questions now. She said she cant help me. 
Fast forward today I called back and was told the reason my account access was blocked because I changed my email and cell number. The reasons I gave for the changes to my email is because their system was not sending me verification codes to the original account opening email. It was only When I changed the email then was when I start getting verification codes. This explanation was not acceptable to them. 
The cell number I opened the account with was no longer available because the provider was shut down by the FCC. I had to update my account to a new cell phone number. This explanation was not acceptable because Webster Bank is using some outdated third party verification system that doesnt recognize my new cell number. 
For 48 hours I have been denied access to my hard earned funds because Webster Bank has some antiquated verification system thats says Im not who I am. 
They are extremely rude, condescending and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX : XX/XX/year> XXXX. XXXX XXXX  XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-20 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

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 2024-12-20 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 federal protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX 15 u.s.c 1681 section 602 A states I have the right to privacy.

15 u.s.c 1681 section 604 A 2 it also states a consumer reporting agency can not furnish a account without My recent instructions.

15 u.s.c 1681c. ( a ) ( 5 ) Section states no consumer reporting agency May make a consumer reporting contain any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more then 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 the information is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I sent the CEO, CFO, President and General Counsel of Bank Of America an affidavit to validate the debt. They responded by sending me a year 's worth of billing statements. I responded by stating billing statements is not what I asked for.

One month later all XXXX  accounts were closed and 3 months after that I received letter from a debt collector they hired to go after repayment of the purported debt.

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 2024-12-20 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:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX with a balance of {$20000.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$14000.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$530.00}, XXXX XXXX XXXX ( XXXX XXXX XXXX with a balance of {$1000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-20 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: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Loan # XXXX Servicer - Roundpoint Mortgage Servicer We have constantly been on time with our payments. The mortgage is for my elderly mother My mother is a senior with XXXX, including XXXX, and lives on a fixed income. She has been an exemplary homeowner who has never missed a payment, and she has always made every effort to stay current with her mortgage obligations. Recently, due to fraud, she changed her account number online. According to Roundpoint, the there was an additional number inputted which resulted in the payment being returned. I logged in and reinputted the checking account number as I could not see what was previously inputted. Prior to doing this, my mother kept trying to make payments unsuccessfully online. Upon my reinputting the checking account number the payment was made, however, we are still being charged a late fee. Please note we less than 30 days late and it was the first time something as such happened.. I am struggling to understand why my mother is being penalized for something that was quickly corrected. Furthermore, as a XXXX senior on a limited income, this fee is an undue hardship, especially when she has never missed a payment and has a long history of being a responsible homeowner. Roundpoint is not willing to reverse the approximate {$78.00} dollar fee. My mother is on limited income its hurting her. We are not egregiously late or have we ever had a problem with payment. Its been extremely frustrating and hard trying to communicate with them. We need help, XXXX seniors should not be discriminated against or face undue hardship in situations like this. Please note, I am also on the mortgage. Thanks for your help.

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 2024-12-20 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: CA

Complaint narrative:
On XX/XX/year>, I submitted an FTC Identity Theft Affidavit disputing XXXX fraudulent collection accounts on my credit report under CFPB complaint # XXXX, providing all required documentation to facilitate their removal. Despite this, the accounts remain, and supervisors have stated that " policy '' prevents their removal, which contradicts FCRA 605B 's requirements. I do not recognize these accounts, collections, late payments, or charge-offs ; they are the result of identity theft and fraud, as proven by the attached FTC Identity Theft Criminal Complaint # XXXX. I am resubmitting all required documents and demand the immediate removal of these items within four days of receipt, in compliance with the law.

Company response to consumer: Closed with non-monetary relief