vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Consumer Name : [ XXXX XXXX XXXX ] Consumer DOB : [ XXXX ] Consumer SSN : [ XXXX ] 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 {$280.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX SERV XXXX {$430.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$590.00} A XXXX XXXX XXXX XXXX  {$280.00} 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 non-monetary relief
Consumer complaint received 2024-12-02 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: MD

Complaint narrative:
I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and 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 2024-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I opened a new checking and savings account at Citizens Bank on XX/XX/XXXX as part of a promotional offer i received in the mail. The offer was to make a deposit of {$500.00} into the checking account and then to make 3 deposits of {$500.00} into the savings account and they had strict guidelines on the offer that I read through throughly and made sure to follow exactly, then i would receive a credit of {$600.00}. I contacted the bank multiple times regarding the credit to confirm that I would receive it, especially considering that I monitored my account regularly and made sure to follow the guidelines they had set exactly. Each time I contacted the bank, I was told by a representative that I would receive the credit on XX/XX/XXXX. That day came, which was a Saturday, and the credit never came. I called the bank again and was told I needed to wait out the weekend and for end of business Monday to see the credit. I did this and still no credit. I called the bank again on XX/XX/XXXX, the following Monday, and was told I needed the code from the original promotional offer I got in the mail. This is incredibly shady and suspicious behavior. I was then told that even though my first deposit into the checking account satisfied the {$500.00} requirement, it was supposed to be the month after I opened the account. This is false as I read through the terms thoroughly in the offer and it never stated that. I was also told that the three {$500.00} deposits into the savings account were supposed to be broken up into consecutive months instead of how i had done it, with 2 in XXXX and 1 in XXXX. This is again false. I feel this is incredibly predatory behavior to lead people into bringing money into your bank under the false pretense of giving out credits you never intend to give out by changing the terms later and implying that the original offer card we got in the mail months ago should've been kept as a commandment to show the terms. These terms should be kept in the policies and procedures of your institution and not left up to the consumer to hold onto a piece of cardboard from the mail. I fully intend to close my accounts with Citizens Bank and tell everyone I know about this awful experience if they don't find a way to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: South River Mortgage, LLC
State: FL

Complaint narrative:
I chose to not do my reverse mortgage with South River Mortgage and doing one with XXXX XXXX XXXX XXXX  in XXXX Florida. XXXX XXXX who is helping me requested the FHA case number assigned to an appraisal South River had done. XXXX contacted XXXX XXXX with South River and requested the FHA case number, don't need the appraisal, just the case number so we can continue with the reverse mortgage. XXXX is not responding to XXXX XXXX @ XXXX XXXX XXXX or my request.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: MT

Complaint narrative:
My husband and I closed on a refinance on XX/XX/year>. Our title company wired the payoff amount of {$200000.00} to PHH Mortgage as instructed, and was the exact amount listed in the payoff quote that was valid until XX/XX/XXXX. On XX/XX/XXXX, PHH emailed me and said they could not apply the wire because there was an escrow shortage, and quoted me the amount of {$1500.00}, which did not match the escrow advance on the account of {$1400.00}. PHH demanded I wire that amount the following day. At no time prior to this email did they attempt to contact me or the title company. 

PHH had allegedly sent the property taxes due to XXXX XXXX on the XXXX. I received notice of this disbursement just after midnight on XX/XX/XXXX, less than 24 hours after I received a payoff quote from PHH. At best, this is a disingenuous practice. The shortage listed on my account was {$1400.00}. The title company and I both assumed they would contact the title company regarding the escrow shortage to XXXX it out, which they never did. Instead I was contacted by email with a demand that I pay more, with a per diem assessment, to XXXX  out the escrow account. During this time, they retained possession of the wired funds and never applied it, accruing additional amounts on the principal amount. 

Today, XX/XX/year>, the title company notified me that PHH had returned the funds, a full two weeks later. The title company also informed me that XXXX XXXX processed the title company 's payment of property taxes, not PHH 's alleged disbursement. PHH has mismanaged this payoff in epically poor ways, and insists that they should be paid for this mismanagement. The title company is re-wiring the funds in the original payoff quote to PHH today. The escrow account should be returned to the balance it had, which was {$510.00}. This should be reimbursed to me as an overage to XXXX  out the account. PHH should not be entitled to any per diem charges for their " mistakes ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I went in and talk to the banker about the overdraft fee

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AMERISAVE MORTGAGE CORPORATION
State: AL

Complaint narrative:
AmeriSave Mortgage Corporation advised the following, " Records indicate a mortgage application was initiated on XX/XX/year>2024 by the consumer via the online application portal. The research has confirmed on XX/XX/year>, at XXXX XXXX  that the application was initiated by IP Address XXXX. 

Under ECOA, a lender who has denied credit must notify the applicant of the denial within 30 days. This notification must be : - in person. - in writing. I received a 'Statement of Credit Denial, Termination or Change ' dated XXXX, XXXX, 2024 which indicated 'Insufficient Credit Files ' as reason for denial. Clearly outside the time frame for denial notification and subject to litigation for such blatant disregard for procedural requirements specified by law. This procedure MUST be corrected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MD

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-02 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: FL

Complaint narrative:
This is to inform you of the Data Breach my personal information. My name is XXXX XXXX XXXX and this is not a third party filing this complaint. But these inaccurate reportings are a violation of a FCRA 605 ( b ) and 15 usc 1681. 
I demand these inaccurate reportings to be deleted 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 2024-12-02 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: FL

Complaint narrative:
This is to inform you of the Data Breach my personal information. My name is XXXX XXXX XXXX and this is not a third party filing this complaint. But these inaccurate reportings are a violation of a FCRA 605 ( b ) and 15 usc 1681. 
I demand these inaccurate reportings to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive noticed that my credit report contains incorrect personal information, which is leading to the appearance of unknown and inaccurate accounts. These accounts are not mine, and I have no connection to them.

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 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 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. These fraudulent, inaccurate, and false information consists of personal credit card from XXXX  XXXX opened on XX/XX/XXXX account number ( XXXX ), also a collect account from XXXX XXXXXXXX XXXX opened on XX/XX/XXXX account number ( XXXX ). 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question. 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 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 non-monetary relief
Consumer complaint received 2024-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are queries in my credit report that have not been authorized, nor do they have my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.

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 2024-12-02 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: MD

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
This is to inform you of the Data Breach my personal information. My name is XXXX XXXX XXXX and this is not a third party filing this complaint. But these inaccurate reportings are a violation of a FCRA 605 ( b ) and 15 usc 1681. 
I demand these inaccurate reportings to be deleted 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 explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

"

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