vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have an escrow account for hazard insurance and property tax with my lender, Mr. Cooper. My escrow analysis shows a balance of {$2100.00}. However, Mr. Cooper did not and has not paid my hazard insurance that was due on XX/XX/XXXX. My insurance provider, XXXX, sent me a notice that my policy was in danger of lapsing. This is especially concerning because in my state of California there is a homeowners insurance " crisis, '' where homeowners can not get insured. This has been written about it the news. 

I've attached documents showing a notice from XXXX the my policy expired, as a well as a screenshot of my account on Mr. Cooper showing the balance of my escrow account and that the " next '' payment was due XX/XX/XXXX. ( If Mr. Cooper had paid my hazard insurance bill, this date would be more like XX/XX/XXXX. ) On XX/XX/XXXX I chatted with a Mr. Cooper representative online to remove property tax ( only ) from my escrow account. About a week later I received a letter from Mr. Cooper confirming that property tax ( only ) would be removed in about XXXX weeks from today, on XX/XX/XXXX. This in no way should have interfered with Mr. Cooper paying my hazard insurance. 

I paid my hazard insurance myself today, and now have to attempt to get the money in my escrow account intended for hazard insurance back from Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: First Help Financial, LLC
State: CA

Complaint narrative:
I noticed unauthorized inquiries on my credit report and noticed someone applied for something in my name resulting in multiple fraudulent credit inquiries. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I noticed unauthorized inquiries on my credit report and noticed someone applied for something in my name resulting in multiple fraudulent credit inquiries. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Fifth Third Bank Indiana. I deposited a check Via Mobile deposit on XX/XX/XXXX. On XX/XX/XXXX at the end of the day I noticed the funds were still not available although I was told they would be available on the XXXX. There were no notices in my documents that told me there was an extended hold. So I contacted customer service via the online chat and they told me there would be a hold and then the letter mysteriously appeared after I called at the end of the day. On XX/XX/XXXX, they told me my funds would be available on XX/XX/XXXX. Then today, they told me there will be available on XX/XX/XXXX but the letter says XX/XX/XXXX so I don't even know when I'm going to get my money. This is completely unacceptable. 
Furthermore this hold is bogus. None of the reasons by law are applicable. It's not a new account, I haven't bounced checks, I'm not overdrawn. 
The check is drawn off a XXXX XXXX XXXXXXXX account. 
I've written multiple checks off this account for higher amounts that have never had a hold put on them. Now they are telling me that they received information that the check might not clear. Well I don't know what information this would be because I have never bounced checks there, I've never stopped payment so I don't think this is valid either. They're holding my money hostage for bogus reasons. This also completely unacceptable and it is going to cause me to incur late fees. I made plans based on the date of XX/XX/XXXX provided to me. Now that is a mess. Their holds are nothing more than a XXXX shoot. I'll be closing my accounts when and if they ever release my money. Who would be okay with random holds. They would not give a specific reason either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

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 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 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to seek your assistance with an issue regarding the reversal of a bank transaction and the freezing of my account, which has caused significant inconvenience and financial strain on my life. 

Recently, I sold a bed frame and mattress. The buyer came to pick up the item in person and paid me a deposit of {$200.00} on XX/XX/XXXX, later {$1000.00} on XX/XX/XXXX, and a total of {$1200.00} using XXXX. She paid the deposit at that time, I was not aware of any risks involved and confirmed receipt of the full amount on the day of the transaction, subsequently handing over the bed and mattress to the buyers. 

However, nearly half a month after the transaction on XX/XX/XXXX was completed, I was suddenly notified by the bank that the transaction amount had been withdrawn and my account had been frozen, without any prior notice or inquiry from the bank. Upon contacting the bank for clarification, I was informed that the other party claimed the transfer was not authorized by them, necessitating the reversal of the transaction. Despite my immediate attempts to communicate with the buyers, they denied having requested the bank to reverse the transfer. 

I am deeply troubled and disappointed by the bank 's decision to take action without a thorough investigation. This has not only resulted in the loss of the proceeds from my private sale but also affected my ability to pay for next month 's rent and living expenses, significantly impacting my life. 

I am extremely dissatisfied with the handling of this matter by the bank, especially considering my repeated attempts to contact them for a resolution, to no avail. I hereby kindly request your intervention in this matter to investigate the authenticity of this transaction and assist me in recovering the erroneously withdrawn funds. 

Thank you for your time and assistance. I look forward to your reply and hope for a swift resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
called Transunion and was told i was XXXX and watching to much XXXX and XXXX content, that there was no XXXX or XXXX. insulted moked belittled.

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 2024-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Ocwen / PHH Mortgage Co.. See attached complaint, facts common to all counts of the breach of contract. I entered into a contract with Ocwen Mortgage of which later acquired PHH. ( Loan No. XXXX ). After the transfer to PHH, new ( Loan No. XXXX ). 
1. On XX/XX/XXXX, XXXX ( XXXX ) entered into a Trial Period payment of {$1000.00}. After six months into the trial period, Ocwen stopped taking the payments under the agreement, claiming an error made. XXXX repeated requested documents many times to show the errors, Ocwen did not respond at all. 
2. On XX/XX/XXXX, Ocwen sent a new Trial Period Modification for {$1300.00}. XXXX refused to except it because of their claim of error. From that point until now, Ocwen, now PHH have refused to issue a modification without giving a reason, more than 25 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: GA

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 XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-04-02 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: GA

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 XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-02 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: CA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-02 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: NJ

Complaint narrative:
DEAR XXXX XXXX  XXXX This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from 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 explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am writing to you once again regarding the complaint/dispute I sent on XX/XX/year>, concerning inaccuracies in the credit report related to my Target Credit Card, account number ending in XXXX. Despite your response dated XX/XX/year>, asserting that the information reported to the credit bureaus is accurate, I must dispute this conclusion and insist on a more thorough investigation into the matter. 

The inaccuracies I initially reported, pertaining to the last date of activity, payment history, account number, and balance, remain unaddressed and unresolved. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and complete information reported about my credit history. The discrepancies currently reflected in my credit report can significantly impact my financial well-being and creditworthiness. 

I respectfully request a detailed explanation of the investigation process you undertook in response to my initial dispute, including any evidence that substantiates the accuracy of the reported information. Furthermore, please provide me with the names and contact information of the individuals or departments who verified this information, as I am considering seeking legal counsel to further pursue this matter. 

Please understand that the FCRA provides consumers with the right to sue in federal court for any violations, including the failure to properly investigate a dispute. I am prepared to take such action if necessary but hope we can resolve this matter amicably and promptly. 

I expect a response within 15 days of receipt of this letter, detailing the steps you will take to rectify the inaccuracies on my credit report. Your cooperation is greatly appreciated as we work together to correct this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IA

Complaint narrative:
I was XXXX and 2 stimulus checks where deposited I didn't approve or make XXXX in charge

Company response to consumer: Closed with monetary relief