vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
My XXXX siblings and I were the beneficiaries of my late father 's XXXX. He passed on XXXXWe all submitted the required paperwork in late XXXX. XXXX of my siblings received their portions weeks ago, while XXXX of us are still waiting. Last week, the contact from my banking branch said that the XXXX  department said that I had to submit additional cards. I did so. Today, my contact told me that my portion is subject to 10 % federal withholding. My siblings that received their checks were not subject to withholding. The delay in receiving my funds has resulted in my not being compensated for the potential lost interest.

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 2024-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
XX/XX/XXXX- submitted the following documents via the Lakeview, my current loan servicer ' website with the assistance of representative who was on the phone with me ( XXXX XXXX XXXX XXXX ). I used the loan servercer website customer request portal under the contact us feature. I recieved no information about the documents submitted, no confirmation it was recieved and the loan servicer made no effort to adjust my raxes accurately despite my request. 

XX/XX/XXXX, After two months withput progress, I reach out agains and spoke to a representative who said the conatxr us feature was out of service in XXXX and all documents sent were not recieved. I again submitted my XXXX XXXX XXXX XXXX as instructed, via the website. 

After waiting two weeks the loan service has made no attempt to assist me and or resolve the issues. I reach out again on XX/XX/XXXX and spoke to a representative who stated that they recieved the documents however there is no further information and instructed me to resubmit the document via fax. 

I have tried for the last three months to get this resolved and it seem the loan servicer is not interested and or is unwilling to make the necessary corrections to my mortgage taxes so it is accurately reflected.

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 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: GA

Complaint narrative:
A fraudulent collection just popped up on my credit report. 

My note to FIRST CREDIT SERVICES : I am unaware of this debt. I didn't have an opportunity to dispute this information before you place it on my credit report. If, in fact, you believe you gave me proper notification, please, provide the certified receipt with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
I had a CD IRA - acct ending in XXXX that was in its grace period, starting XX/XX/year>. I called on XX/XX/XXXX ( first of 8 calls ) to have the account closed and the proceeds internally transferred to my MM savings account ( also an IRA. ) My last call was made XX/XX/XXXX. I have been unable to reach someone that can tell me the status of the request. CD went into renewal, which was not what I asked to have happen. I would like the account closed and the money transferred to the MM IRA as requested on the XXXX XXXX XXXXXXXX. 

I later completed and submitted paperwork for the same request, although I was assured that this was a back office request.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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 refinance home in XXXX, XXXX with XXXX loan I never miss s payment the escrow account got negative buy a insurance company so my payment went from {$2200.00} to {$2300.00} they transfer my account to Mr.Cooper this as of XX/XX/XXXX in XXXX I paid {$2300.00} for in XXXX my went {$3000.00} my property taxes was not paid for XX/XX/XXXX they are delinquent that all was put in my house payment with property taxes and home insurance now Mr.Cooper want to keep my mortgage up to {$2300.00} thats not party of contract The escrow account comes to {$7000.00} delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
I, XXXX XXXX XXXX, did not sign any loan documents after Cancelling loans dated XX/XX/XXXX and XX/XX/XXXX. Did not agree to a 7.1 % ; 40-year adjustable rate, 2nd Mortgage ; and notified the following agencies, law makers and servicers from XX/XX/XXXX of this fraudulent loan : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; FBI ; FTC ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia Office of the Attorney General ; Governors Office ; Commonwealth of Virginia Attorneys Office ; etc. 

The XXXX did NOT received the loan they wanted as a Veteran using his Certificate of Eligibility but was presented a fabricated loan documents by only a NOTARY no closing agent, lawyer or loan officer present on XX/XX/XXXX to answer any questions regarding we will have and we did have on XX/XX/XXXX and stop the process and sent the notary home. 

The XXXX on XX/XX/XXXX went to the NOTARY home off XXXX XXXX and went to XXXX to copy the loan documents and returned to the NOTARY home to drop off the documents. Appellant has presented numerous times a copy of the receipt from XXXX in which the Note, Deed, HUD-1, Good Faith Estimate and other documents was NEVER signed, but the documents Fay Servicing LLC , foreclosure firms, XXXX XXXX XXXX and XXXX XXXX XXXX has presented over the years has the date changed from the XXXX to the XXXX, marked with? on Note, illegally notarized, forged date changes, forged, funding loan on XX/XX/XXXX is illegal the XXXX has proved the reason why I rescinded the loan on XX/XX/XXXX after his wife informed him that the Notary had called on XX/XX/XXXX informing her that XXXX XXXX XXXXXXXX wanted her to change the dates, sign as closing / settlement agent FRAUD and again on XX/XX/XXXX making the loan void.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: FL

Complaint narrative:
While reviewing my bank statement for Chime online bank a part of XXXX XXXX XXXX  or XXXXXXXX XXXX XXXX XXXX, I happened upon a Card payment from Secured Account of {$1400.00} withdrawn from my account on both XXXX, XXXXXXXX XXXX and XXXX, XXXXXXXX XXXX. When I called the bank to get an explanation ; I was given several reasons, none that offer a real explanation. I asked to speak with a supervisor when the representative after over 45 minutes was unable to give a definitive answer. I was place on hold for about XXXX minutes or so and was disconnected by someone without a return phone call. I subtracted how much had been withdrawn from my account for bills that could be explained and both months there was always a balance of the {$1400.00} difference that could not be explained. I would like a clear explanation of these withdrawals totaling {$2900.00} and if it is fraudulent for any reason, to have my monies returned and the bank penalized. These monies are being withdrawn from my XXXX XXXX check, currently the only income that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for and got accepted for a Chevron Techron credit card which had some nice bonuses I could use and earn in the first month or two of use.

I waited for the card but it never came, I called at around 1 week and was told its still too early to get it replaced so I waited until the number of days requirement was met and called and got them to send another card. They refused to send it express without me paying extra for it.

I waited for the card but it never came, I called at around 1 week after the last call and was told it was too early so I waited until the requirement and called again and they said they would send another one. 
I waited for the card but it never came. 
At this point time had passed enough that I would not be able to earn any of the rewards I wanted. 
I closed the 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 explanation
Consumer complaint received 2024-03-08 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: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : 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 2024-03-08 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:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : 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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Good Day, I am writing regarding recent dispute with Capital One Bank. 
First of all, I did not ask about XXXX car rental. Company 's explanation was irrelevant in that instance. 
Second, my question was specifically about XXXX XXXX Refundable deposit which I also reconfirmed with XXXX ( XX/XX/year> ) that the amount of {$150.00} ( refundable deposit ) was refunded back to my card but Capital One charged my card instead. Though they explain about temporary credits they gave but as a result I am having a loss of {$150.00} with XXXX ( refundable deposit ) which should not have happened. 
Third, the company charged a late fee of {$25.00} recently while I paid on time ; however, Capital One rejected my new bank account and charged a late fee of {$25.00} instead without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I would like to dispute an item stated as late payment on my consumer report for Discover account and my " closed '' XXXX XXXX XXXX account. 

In accordance with the Fair Credit and Reporting Act, these creditors have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy. 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card accounts under an open end consumer credit plan as late for any purposes. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : 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 2024-03-08 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:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : 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 2024-03-08 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: FL

Complaint narrative:
This XXXX XXXX XXXX account was opened by fraud and shall delete from my credit report by LAW. Account number XXXX with a balance of {$7200.00} is inaccurate and I request the company to provide me with the proof of ownership to see how this account was opened without my knowledge. 
Delete this inaccurate fraud account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cohn, Goldberg & Deutsch,LLC
State: VA

Complaint narrative:
I, XXXX XXXX XXXX, did not sign any loan documents after Cancelling loans dated XX/XX/XXXX and XX/XX/XXXX. Did not agree to a 7.1 % ; 40-year adjustable rate, 2nd Mortgage ; and notified the following agencies, law makers and servicers from XX/XX/XXXX of this fraudulent loan : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; FBI ; FTC ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Attorney General ; Governors Office XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

The XXXX did NOT received the loan they wanted as a Veteran using his Certificate of Eligibility but was presented a fabricated loan documents by only a NOTARY no closing agent, lawyer or loan officer present on XX/XX/XXXX to answer any questions regarding we will have and we did have on XX/XX/XXXX and stop the process and sent the notary home. 

The XXXX on XX/XX/XXXX went to the NOTARY home off XXXX XXXX and went to XXXX to copy the loan documents and returned to the NOTARY home to drop off the documents. XXXX has presented numerous times a copy of the receipt from XXXX in which the Note, Deed, XXXX, Good Faith Estimate and other documents was NEVER signed, but the documents XXXX XXXX XXXXXXXX XXXX foreclosure firms, XXXX XXXX XXXX and XXXX XXXX XXXX has XXXX over the years has the date changed from the XXXX to the XXXX, marked with? on Note, illegally notarized, forged date changes, forged, funding loan on XX/XX/XXXX is illegal the XXXX has proved the reason why I rescinded the loan on XX/XX/XXXX after his wife informed him that the Notary had called on XX/XX/XXXX informing her that XXXX XXXX XXXXXXXX wanted her to change the dates, sign as closing / settlement agent FRAUD and again on XX/XX/XXXX making the loan void.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to follow up on my previous complaints regarding the unverified and inaccurate items on my credit report, which I have brought to your attention. Despite my request for an investigation, these items remain on my credit report, causing significant distress and frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: WI

Complaint narrative:
I am writing to follow up on my previous complaints regarding the unverified and inaccurate items on my credit report, which I have brought to your attention. Despite my request for an investigation, these items remain on my credit report, causing significant distress and frustration.

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