vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
My mortgage was purchased from another mortgage company by round point mortgage servicing in XX/XX/year>. In XXXX they reviewed the escrow and determined that my taxes were only {$85.00} a year which meant that I had too much money in escrow. For some reason, I have two separate tax bills, and they only saw the smaller one. They sent me a check for {$800.00} and lowered my payment by roughly {$180.00} a month. After about a month, I realized that they had missed one of my tax bills which happened to be for over {$2000.00}. For XXXX months, I paid the lower amount which were for the month of XXXX and XXXX. And in XXXX the payment will reflect the {$800.00} plus the {$200.00} that I was short for XXXX months plus the increased in escrow due to higher Insurance and taxes which raises my bill to quite a lot. I talked to them several times and were told that they would correct the Monthly amount for the month of XXXX but they did not. I called to speak speak to someone in the escrow department and they said that was impossible, but I could file a complaint Which the person help me do over the phone.. Also, either that day or the next day I filed a complaint with the XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Several days later someone from XXXX customer service did call me, but not based on my complaint to them, but my complaint to the Better Business Bureau. I asked him if he could please figure out what my escrow and mortgage payment would be if they had not messed up. After about a week, I called again and he said he was unable to do that for some reason. Instead, after my complaint was filed with the XXXX XXXX XXXX XXXX XXXX  said that I had XXXX days to hear from XXXX and when I didnt hear from them on the fifth day, I called and their answer to satisfy me was telling me to take my taxes out of my mortgage payment or try to apply for a senior discount on taxes, which I do not qualify for. I feel like I should be compensated for all my time and effort And ruining my budget. I am a senior XXXX XXXX XXXX. Also, no one from the company ever apologized and all of it was just done through the mail until I filed a complaint with the XXXX XXXX XXXX. The strange thing is this happened with a previous property that I owned. The mortgage was bought by someone and they missed the current tax bill and lowered my payment although that time I did not catch it and I ended up paying thousands of dollars on closing To make up for the missing funds.

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 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Submitted Visa dispute with bank, dispute ending XXXX on XX/XX/XXXX. Bank failed to issue provisional credit in the amount of {$99.00} for goods not received in violation of Regulation E, and terms of my account. 

PNC was notified XX/XX/XXXX that I have not received any credit, nor any documents from them requesting any additional information on the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 non-monetary relief
Consumer complaint received 2024-10-16 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Submitted Visa dispute with bank, dispute ending XXXX on XX/XX/XXXX. Bank failed to issue provisional credit in the amount of {$290.00} for goods not received/counterfeit in violation of Regulation E, and terms of my account. 

PNC was notified XX/XX/XXXX that I have not received any credit, nor any documents from them requesting any additional information on the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/year> I disputed a fraudulent account by XXXX XXXX account # XXXX with the OCC. The account was being reported by Equifax, XXXX, and XXXX. After the OCC investigation the account was removed from all 3 bureaus. 

However Equifax informed me on XX/XX/year> that the item was deleted from my credit report. Now in XX/XX/year>, I have discovered that the item has been reinserted on my credit report since XX/XX/year>. 



Attached is dispute from XX/XX/year> with account listed, XX/XX/year> Account Removed and XX/XX/year> account reinserted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 2024-10-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi this keeps happening where it says that Im applying for credit cards that Im not signing up for because I know I dont want anymore credit cards. Ive also been sick and I just cant have credit cards right now! 

So this isnt me! 

Please fix off my credit card. 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 2024-10-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi this keeps happening where it says that Im applying for credit cards that Im not signing up for because I know I dont want anymore credit cards. Ive also been sick and I just cant have credit cards right now! 

So this isnt me! 

Please fix off my credit card. 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm writing this letter to dispute certain information that is falsely listed on the credit report referenced above the inaccurate information appear on my credit report is as follow

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 2024-10-15 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: OneMain Finance Corporation
State: SC

Complaint narrative:
One Main Financial is violating multiple consumer rights by reporting inaccurate information on my credit report by furnishing information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
This debt collector is attempting to collect a debt that was legally voided based on the California Health Studio Services Law. The Health Studio, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, received written notification from me that I was invoking California Health Studio Services Law Civil Code 1812.89 ( b ), which allows a consumer to terminate a contract with a health studio if a consumer moves more than XXXX miles away. I property notified the studio and sent a the debt collector copies of my cancellation letter along with a written explanation and demand that they cease collection efforts. I have not heard back from the debt collector whatsoever and this item is still on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I deposited my IRS Issued refund check into a Capital one atm for my XXXX taxes, the atm said it should be available the following day which would have been XX/XX/XXXX. I called XX/XX/XXXX and spoke with someone who said they are waiting on verification from the irs that it's a real check. they informed me it should be good to go by the end of the week ( XX/XX/XXXX ). when the fund were not released on that day I called again and some one once again told me they were waiting in the irs. I called the Irs and they said it's been verified and Capital one isn't waiting on anything. Called today and was told that they are waiting on the treasury department not the irs. I've tried to escalate the situation and speak with a higher up but no one has even tried to call me back as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: Monterey Financial Services LLC
State: NY

Complaint narrative:
I looked for a work and saw XXXX  XXXX in XXXX and left my contact. They called themselves like modeling agency. And they invited me on a photo shooting, but I had to pay {$50.00} fo reservation. I came in XX/XX/XXXX. After photo shooting I waited XXXX hour to talk with their manager. She told me that their agency is not modeling and I wanted to go away and think about her proposal but she didn't let me. She pressured me and promised that I'll find a job. i tald her that I'm not working and have kids and my husband left us. But she was too persistent and did not allow me to leave the office. I didn't have a choice and I had to sign contract with them. But she didn't explain all contract. I paid {$200.00} through terminal in her office and after that she snatched my card from my hands and entered all the card data into the computer. When I came home I read the contract and saw that I don't have any rights over there, only responsibilities. I didn't work a half of year. And in my opinion I don't have to pay for this contract because it's a fraud company and they are lying to people and forcing them to sign contracts and pay for nothing.I removed my data after the next payment and didn't pay, because I was without work till XXXX. And they turned on to debt collectors. I know that they violated of the New York Penal Law 190.20 defines the crime of false advertising as a class A misdemeanor offense and send mail to the debt collectors in the Monterey Financial Service but the collectors agency sent me mail that I have to pay all my debt to this fraud modeling agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: NY

Complaint narrative:
TRANSUNION and XXXX is refusing to remove all inaccurate information as per FCRA and ( XXXX ) has already removed all inaccurate information on my credit report see attached : you are breaking the law!!! 

If one credit reporting agency ( CRA ) removes inaccurate information, ALL CRAs must correct the information in your file : Information provider The information provider must notify all CRAs if the disputed information is inaccurate. 
CRA The CRA must : Reinvestigate the disputed information, usually within 30 days Forward all relevant data to the information provider Correct, block, or delete the inaccurate information Provide you with written results and a free copy of your updated credit report The Fair Credit Reporting Act ( FCRA ) gives both CRAs and information providers responsibilities for correcting inaccurate or incomplete information in your credit report TRANSUNION and XXXX are also violating the cease and desist I sent them previously. XXXX is also communication see case law XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One claimed that I opened joint business account with them in the year XXXX. The account was charged off in XXXX. I have yet to receive a 1099c to add to form 892 to send this to irs letting them know that I am insolvent and that my responsibility out weighs my income. I have requested the form from them several different times just for them to tell me that although it has been charged off they have not written it off the book yet. So isn't that fraudulent that for XXXX years you have been writing off the same account? the account number from what I gather is # XXXX XXXX XXXX XXXX -- XXXX -- -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act account # XXXX, has violated my rights. 
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.

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 2024-10-16 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: NY

Complaint narrative:
XXXX and EXPERIAN is refusing to remove all inaccurate information as per FCRA and ( XXXX ) has already removed all inaccurate information on my credit report see attached : you are breaking the law!!! 

If one credit reporting agency ( CRA ) removes inaccurate information, ALL CRAs must correct the information in your file : Information provider The information provider must notify all CRAs if the disputed information is inaccurate. 
CRA The CRA must : Reinvestigate the disputed information, usually within 30 days Forward all relevant data to the information provider Correct, block, or delete the inaccurate information Provide you with written results and a free copy of your updated credit report The Fair Credit Reporting Act ( FCRA ) gives both CRAs and information providers responsibilities for correcting inaccurate or incomplete information in your credit report XXXX and EXPERIAN are also violating the cease and desist I sent them previously. Reporting is also communication see case law XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-16 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : * XXXX - XX/XX/XXXX * XXXX XXXX XXXX  - XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my 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