vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Volvo Car Financial Services U.S., LLC
State: OR

Complaint narrative:
In XXXX I moved bank accounts and mistakenly pulled funds from an account hooked up to autopay. I noticed within their grace period and made a one-time payment online to avoid late fees/issues. Additionally, I also called them and they confirmed no late fees would be assessed and the account would not be delinquent if I paid online immediately. They would not send me an email confirmation. I filled the account with ample funding and moved on with life. 

I saw my XXXX payment processed for the standard amount, I took this as confirmation that everything was good and everything was current. 

Today I logged in and noticed a {$XXXX} extra charge, composed of a {$XXXX} " miscellaneous charge '' along with a " late fee ''. Turns out the late fee was for non-payment of the {$XXXX} charge that I was never informed about. Additionally, this " miscellaneous charge '' was not requested and/or included in my regular autopay ( which was setup through their payment portal ). I was NEVER INFORMED of this charges existence, and their automatic payment never covered it. 

They eventually removed the {$XXXX} late charge ( for the miscellaneous charge I was never informed about ) but told me I was still responsible for the {$XXXX} returned payment fee as that was a charge that they incurred and intended to pass through to me, despite the fact that I made a payment within the grace period, and had been previously told I would not receive any penalties due to my prompt attention to the issue and full payment within the grace period.I asked to escalate the issue and speak to a manager/supervisor and they said that they would not escalate my issue to anybody with authority to give me a written explanation or confirmation. This felt very scammy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

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 2024-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
The following describes a series of unlawful attempts to deny the consumer of his own XXXX funds. 
On XX/XX/year> XXXX plans was to move in extended stay due to indications of being stalked. The plan was to move in a affordable XXXX XXXX while I look for work. Understand the importance of withdrawing funds for suit, I would contact the USAA bank to find out a unsuspected charge to my checking account. When I called to speak with the rep, the rep told me she would not need to deactivate my card, I specifically told her not to change card status. upon calling back after the call disconnected, I soon learn that the rep not only canceled. The debit card became a hope for stability since now I was in desperation facing homeless. I pleaded with rep but she stated she was unable to help besides submitting request to send another debit card. 

I sent a dispute on the XXXX  involving XXXX XXXX XXXX ( account XXXX ) fraudulently refusing me access of my own savings account. There where asking an increasing amount of personal questions which then becomes data provided to third part agencies, after normal procedure of verification was answered. after multiple reps denying me of my own account access I suffered a major migrain followed by joint pains. 

XXXX XXXX - I checked my app and noticed XXXX of funds available. I then proceeded to make purchases for groceries via XXXX. ( credit paid by debit. ) Current date XX/XX/year> XXXX PM- I open my USAA account and notice a transfer of XXXX of funds from XXXX XXXX savings to USAA have been reversed and I am now charge for using the debit card for food charges after I was told by USAA bank XXXX that XXXX of the XXXX would instantly be available. this is not only a misrepresentation but a bold misleading advice from USAA representative. Because of this preauthorized electronic transfer of funds failed to initiated I am facing homelessness again. The direct lie was a direct hazard to my well being based on my living situation. I have already traveled due to being a stalked victim. Thank the the actions of both XXXX online savings and USAA bank my anxiety and veteran XXXX is thru the roof facing homelessness. 

On XX/XX/year> I spoke with a USAA rep who guided me thru updating password and transfer of funds. Once in my application login he guided me to provided signature which he stated will authorized funds from outside banking ( Online savings ) to USAA checking account As of XX/XX/year> XXXX pm there is a $ XXXX checking charge ( account XXXX ). check pic call for any other proof need of these fraudulent banking techniques and procedures towards proprietors of accounts. See pic attached. Reps refused to explain how there procedures were legally authorized.

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 2024-05-29 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: NY

Complaint narrative:
FCRA 605B necessitates the removal of any erroneous accounts from my credit report. These accounts inaccurately represent the reporting. I should be compensated {$1000.00} for each mistaken report on my credit file.

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 2024-05-29 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 observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Please, refer to letter attached. The document attached is requesting the local regulatory institution OCIF ( XXXX XXXX XXXX XXXX XXXX XXXX ) support. In the same way, I am requesting support to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : Not my account Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX I am unaware of the above-listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
Please note that you have XXXX  days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I am demanding deletion of this of fraudulent account this account does not belong to me I have not obtain or receive any goods from this account it is a violation of my fair credit report act section 15 usc 1682. This account is hindering my credit profile I have never authorized used or benefit from this fraudulent account or transactions in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 2024-05-29 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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: NY

Complaint narrative:
Again I'm sending this complaint to express my deep dissatisfaction and disappointment with the handling of my identity theft complaints by your bureau. This issue not only involves the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied upon to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

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 2024-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Company keeps sending letters in mail and calling me for a debt. This debt is from XXXX XXXX XXXX XXXX and was disputed due to balance billing, and charging me XXXX more than the EOB from Insurance ( including the downpayment, see date of downpayment XX/XX/22 ). I requested the itemized invoice now 4 times and have not received it. XXXX XXXX XXXX XXXX XXXX has now sold the debt to a collector instead of resolving the problem with me and now the collector wont leave me alone. At this point its been over 18 months since the claim was made to insurance and even if I got the paperwork I dont think insurance will fix it since its been so long. If I had received the paperwork within the 30days required by law, I would have been able to get it fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: GA

Complaint narrative:
Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 

In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and XXXX-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

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 2024-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Denefits LLC
State: TX

Complaint narrative:
Denefits has done 2 unauthorized debits on my debit card ending in XXXX. They typically request permission to do so and I have written proof of the requests to debit my card. However, they are not asking my permission and has caused me financial hardship Also, the card I put on the account is no longer active. I used another card for a one time transaction, they stored it without my permission and have debited it twice without my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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:
Unauthorized inquiries have been detected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently looked at my credit report and I noticed Transunion you are reporting some late payments from XXXX XXXX XXXX  that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. I have attached a copy of my identification and notorized letter. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Dates reporting not accurate : XXXX, and XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT accurate.

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 2024-05-29 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.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX 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 2024-05-29 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: TX

Complaint narrative:
I have identified unauthorized inquiries 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 2024-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: IDT Telecom, Inc
State: MN

Complaint narrative:
I normally send money to my family through XXXX XXXX. The money is normally deducted from my bank account. 
On XX/XX/year>, I sent {$XXXX} from my XXXX XXXX  XXXX bank account to XXXX XXXX for onward transfer to XXXX. The transaction went well as before, with a transaction ref. # XXXX given to me by XXXX XXXX. 
On XX/XX/year>, I sent another {$XXXX} through XXXX bank XXXX XXXX XXXX XXXX bank ) to XXXX XXXX  to be transferred to recipient. This was never transferred to the recipient. despite the fact that the amount was debited to my account, meaning XXXX XXXX XXXX paid XXXX XXXX. 
When I waited for them to send me the reference number as usual, I did not receive anything. So, I contacted them to ask what was going on. They started transferring my phone call from table to table and eventually hung up on me. 
I contacted XXXX XXXX XXXX bank to lodge a complaint and they said they will look into it. I also wrote to XXXX revolution about my money and a couple of emails were exchanged and later they told me that I have to pay another $ XXXXfor them to execute the transfer. I asked what happened to the one I paid ; nobody was able to give me any credible explanation. This is what brings me to this complaint. I have copies of the emails I sent to Both institutions regarding this matter. 
I plead that you use your good offices to investigate this issue and my money refunded to me. 
Both XXXX XXXX XXXX bank and XXXX XXXX have refused to respond to my mails. 
I need your help as this is a large sum of money to me. 
Thanks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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 viewed my credit report and noticed that there are fraudulent accounts.

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 2024-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: MI

Complaint narrative:
I would like further assistance in the case XXXX. 

I am reaching out to the Consumer Financial Protection Bureau to intervene in this matter because it is grossly unfair to me as a consumer. This situation appears to involve fraudulent actions based on unsubstantiated allegations by a large corporation. 

I recently received a response from US Bank regarding their intention to charge me for insurance that XXXX claims they did not provide, despite receiving payment from me for coverage from XX/XX/XXXX to XX/XX/XXXX. XXXX insists they returned the payment to me but have provided no evidence of this, which is confusing and frustrating. It seems like I'm being exploited or deceived, to put it mildly, by being charged for insurance I assumed I had. I never received any reimbursement from XXXX, nor was I informed of any lapse in coverage. US Bank failed to ensure that their interest in my property was adequately covered, as outlined in the mortgage agreement I signed. This situation is not my fault, and I shouldn't be expected to pay thousands of dollars to US Bank for insurance that should have been in place. I've reached out to several insurance companies, and the consensus seems to be that the mortgage company is attempting to profit off me because you can't insure property retroactively.

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