vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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:
TransUnion is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reported was fraud. said company had 4 days according to the LAW to remove such items. FTC Fraud report was filed on behalf of consumer, consumer is requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am not asking for a E-oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. XXXX commission file number XXXX The XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX is securitizing consumer data yet refuses to provide consumer a copy of their Consumer FILE not Consumer Report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I wanted to make a final payment to pay off my mortgage. I was charged excessive fees to complete the final payoff of my mortgage. Excessive fees included a quote fee of {$25.00}, Expedited delivery fee of {$20.00}, XXXX party reconvey/release prep fee of {$25.00}. This was over and beyond the XXXX recording fee of {$180.00} which I believe is inflated. The quote fee and expedited delivery fee were just to send me an email with an amount I need to pay. I was ready to pay my loan off on the website by transferring money directly from my bank like I always have and I trusted. The fees charged are a scam and I do/did not trust any of that shady backwards business. I went ahead and made the final payment on XX/XX/XXXX to be done with it. They did not send me a final mortgage loan statement. There wasn't one mailed and there isn't one on the website. On top of all this there was a XXXX XXXX that occured on XX/XX/ which included me and my wife 's name, address, email address, Social Security number, and date of birth. I had no idea this had even happened when I paid off my mortgage. I was not notified until receiving a letter from them dated XX/XX/ to me and XX/XX/ to my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
REOPEN THE ACCOUNT ENDING IN XXXX. XXXX XXXX form dated XX/XX/23 which is located in their SEC filing states XXXX Card Services business may securitize originated credit card loans, primarily through the XXXX XXXX XXXX ( the Trust ). The Firms continuing involvement in credit card securitizations includes servicing the receivables, retaining an undivided sellers interest in the receivables, retaining certain senior and subordinated securities and maintaining escrow accounts. Chase Bank has securitized my originated credit card loan and refuses to reopen the account that is current and still being monetized by securitizing the asset back security/receivable. I rescind/revoke any security interest Chase Bank has in the account and XXXX, XXXX assumes all titles, rights, and interest in the account for XXXX XXXX. If the account is not reopened within XXXX business days I will perform an audit on the account to locate the XXXX number to confirm the securitization trail of the account. I will also escalate this matter to the SEC for securities fraud since I provided a security to Chase Bank that is still being traded on the secondary market and I the consumer have not received equal consideration or value for providing the security. I AM AN INVESTOR since I provided Chase with a RECEIVALBE/SECUIRTY. In the card-member agreement I was never informed my credit card loan would be receivable/security for XXXX and be securitized and sold on the secondary market. The omission of this information is blatant contract and securities fraud. Once again, I will be forced to submit a complaint to the SEC FOR SECURITIES FRAUD if the account is not REOPENED WITHIN XXXX BUSINESS DAYS. Thank you for all your help to resolve this matter. If there any questions, please do not hesitate to contact me at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to express my concerns and seek assistance regarding an issue with Equifax and a report from the Federal Trade Commission ( FTC ) involving a potentially fraudulent account under the name " XXXX XXXX XXXX XXXX XXXX. '' I have no knowledge or association with this company, and I have previously contacted Equifax to dispute this account 's legitimacy. 

Despite my efforts, Equifax has informed me that they have conducted a " full investigation '' into this matter. However, based on my understanding of federal regulations, particularly 15 U.S. Code 1681d - Disclosure of investigative consumer reports, their investigation process does not align with the standards described therein. I have repeatedly requested Equifax to provide concrete evidence or proof that links me to this account, yet they have failed to do so. 

This situation has left me with no choice but to consider legal action as a last resort. My experience with Equifax raises serious concerns about their business practices. I believe that their actions not only pose a threat to individual consumers like myself but also potentially jeopardize the integrity of the banking system. 

Therefore, I am reaching out to your bureau for assistance and intervention in this matter. I am seeking clarification on what specific steps Equifax took in their investigation to ascertain the account 's validity. Furthermore, I request your help in obtaining the necessary proof from Equifax that establishes my alleged connection to this account. 

This situation has caused me significant distress and inconvenience. I trust that the Consumer Financial Protection Bureau will take my concerns seriously and provide the necessary support to resolve this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: SC

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: WV

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-01-10 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: WV

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Around XXXX XXXX XXXX, my bank notified me of a Garnishment on a shared family account. It was from Portfolio Recovery Associates LLC. The bank provided me with a case number and a phone number for an attorney associated with Portfolio Recovery. I contacted them immediately, and asked for copies of the Court Case, but was told they had no idea who I was and hung up. 

I have attempted to contact Portfolio Recovery numerous times for copies of the actual debt, the Summons and Complaint, any exhibits used for court, Proof of Service, and the Judgment. The only case number I was given was from the Bank which is XXXX However, I can not even locate what state this alleged Court Case was in. 

I have requested this paperwork continually over the last few years, but still have not been provided any of it. 

This is the second complaint I have filed with the CFPB on this matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: AZ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MD

Complaint narrative:
Several " collections '' companies have tried multiple times to collect a XXXX debt from me that is not mine. I successfully disputed it several times over the past 2 years, but now new, multiple companies are successfully posting this fraudulent collection account to my credit file. 

Collections companies perpetrating this fraudulent activity include : I C Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account type Collection Status Collection account. {$850.00} past due as of XX/XX/XXXXXXXX XXXX 
Status updated XX/XX/XXXX I was never a XXXX customer or subscriber until I was hired by them in XXXX XXXX The supposed collections debt to XXXX was started several years before I first subscribed to XXXX  as an employee with free service. 

This is fraud, crime, and repeated whack-a-mole tactic to scam people out of money for fear of having a collections account on their credit history.

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 2024-01-10 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: CA

Complaint narrative:
I've filed the FTC report already TWICE like they asked me to. XXXX will NOT remove this or close this account on my credit report. It's hindering my growth. It's been too long, I have been reaching out via phone and mail since XX/XX/XXXX. They're trading my securities monthly, not giving me my interest. Committing securities fraud. Filed a civl case even though XXXX has already stolen my securities? Cmon. I'm tired of constantly seeing this, I'm trying to get loans, I can't. Getting a car loan, I can't will go to FINRA, SEC, and OCC. If you don't solve this.

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 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
Mohela. I made early payments in XX/XX/2023 prior to payments starting totaling {$4900.00}. Checked my account in XXXX and noticed I placed back into forbearance and called Mohela and was told they didn't know if those payments I made would count towards future payments. Got another noticed that I was forbearance and said I could request a refund. So I requested a refund on XX/XX/XXXX and was told 5 days for refund. No refund in 5 days so I called back was told 30 days. No refund at 30 days. Called back was told 90 days. Sent a complaint to the XXXX got a generic response from Mohela and every letter says that they are trying to collect a debt and are a febt collector. I have a loan that is NOT in default and trying to get a refund on what I paid ahead since I was originally told they didn't know how those payments would count towards future payments. One would think logically that those payments would be applied towards future payments, but when speaking on the phone with them they kept telling me I would owe in XXXX even though I had paid enough not to have a payment until XXXX originally not knowing I had been placedin forbearance until the end of XX/XX/XXXX., but since in deferment those payments would have counted from XXXX to XXXX and payment due in XXXX. They have no clue what is going on and sent letters stating they are trying to collect a debt. This is absolutely ridiculous. They say 60 days for refund is it XXXX business or calendar days and why can't they just give a date??? And refund inba timely manner. XXXX days is not timely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-10 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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/2024 at XXXX pm XXXX, I called Discover and I inquired about a Student Loan Debt Consolidation loan and was asked if I wanted to apply over the phone. They ran my credit and I was denied due to " borrower income insufficient in relation to the debt. '' After they ran my credit, they informed me that I was unable to apply with a cosigner, even though my current loans have a cosigner. Prior to running my credit, I was not informed what " passing a credit check '' meant. 

Following this call, I reached out to a friend of the family who is knowledgeable in the financial industry. I asked why I could not apply for a Debt Consolidation Loan with a cosigner. 

On XX/XX/2024 at XXXX XXXX XXXXXXXX, we called Discover and XXXX at Discover transferred us to XXXX in the Consolidation Department in XXXX. He did not verify any of my personal information prior to disclosing any information on the phone call, nor did he ask if it was okay to disclose any confidential/nonpublic personal information with the family friend who was on the line. 

We asked for clarification as to why I was unable to apply with a cosigner. 
We were informed that I needed to pass a credit check. We inquired what " passing a credit check '' meant. At that time, we were told that I had to qualify independently. This information was not disclosed to me on my first call prior to running my credit. On the second phone call, we were told on www.Discover.com/student-loans/consolidation.html under that section, there is a common consolidation loan question- Am I eligible for a Discover XXXXrivate Consolidation Loan? It says " Pass a credit check. '' Nowhere on the website does it say I had to pass it independently. 

After further questioning with XXXX, he stated that Discover 's policy is if you can not qualify independently, you can not qualify with a cosigner. 

I feel I have been discriminated against. Had I been able to qualify with a cosigner, I could have potentially had one loan at a fixed rate of 5.99 % XXXX % according to the website. Due to not qualifying on my own and not being allowed to qualify with a cosigner, I have five loans with variable rates between 6.340 % XXXX % which results in a higher monthly payment and therefore, more interest paid over the life of the loan. 

I feel it is discriminatory to allow those who qualify on their own to get a lower interest rate with a cosigner while not allowing cosigners for those who do not qualify on their own. This puts undue burden on borrowers who need a cosigner by keeping them in higher interest rate loans. I pay more on my loans because I do not qualify on my own but would possibly qualify with a cosigner, which would allow me to pay less.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMorgan Chase Bank, N.A., failed to return funds upon closing account. Last statement describes XXXX XXXX XXXX for the amount of XXXX, which was not received upon closing account. The other transaction, XXXX XXXX XXXX XXXX, was received. 

On XX/XX/XXXX I went to Chase location to deposit endorsed check for the amount of XXXX. 
Chase bank placed account on hold, I was told it was necessary to verify check. 

XX/XX/XXXX Funds were scheduled to clear. Funds did not clear. 
I received assistance at bank location ( XXXX XXXX XXXX XXXX XXXX, CA ) to contact Chase. 
Upon calling Chase, I was told Chase needs the personal contact information for the person the check was made to. That information was provided, however, solution not reached due to the payee phone number being part of a family plan. 
I requested if check can be sent back to issuer ( XXXX XXXX XXXX XXXX ). That request was denied by Chase Bank. We called XXXX XXXX XXXX XXXX and was notified the check has been cashed by Chase Bank. 

XX/XX/XXXX My account was closed by Chase. 
XXXX XXXX XXXX XXXX is not able to replace or cancel the check due to the check being cashed by Chase bank. JPMorgan Chase Bank, N.A., refuses to return funds. 

Today is XX/XX/XXXX, I called Chase again because the last statement shows two checks were sent to me upon closing the account. One for XXXX, the other for XXXX. I only received one check for XXXX. JPMorgan Chase Bank, N. A., continues to hold the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: CA

Complaint narrative:
I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it from a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
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.

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