vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This is the second time that I purchased a home and had PHH mortgage as the servicer. The first time I ended up ( forced ) refinance just to leave them for fees that were inaccurate. I am a XXXX XXXX, and my taxes are {$0.00}. so, my escrow should only consist of my insurance which is {$3300.00} annually. I had an annual trash bill if {$580.00} which is not a part of my escrow that they are trying to add to my escrow. My principle payment is {$750.00} and my interest payment is {$1600.00}. They sent me a new payment amount of {$2700.00} which is exceeding what my monthly payment should be including a one twelfth of the insurance escrow. They also paid out XXXX insurance payments from my escrow for 2023 stating that they had to acquire insurance on the property. 1 ) no one ever notified me that the insurance was dropped at the time it was allegedly dropped. 2 ) As soon as I was notified that the insurance was dropped, I acquired insurance. 3 ) PHH never provided proof that they obtain coverage when they weren't even notified for months either. They just tried to bill me from the date that they were told the insurance was dropped. They can not LEGALLY charge me for a service in retro that they never acquired. How can they charge me for retro insurance when they didn't even know that the insurance had dropped either. The insurance company didn't notify either of us. My previous mortgage they tried to increase my monthly payment stating that the escrow was increasing. I contacted my insurance company who informed me that it wasn't, and my insurance had dropped to {$0.00}. I asked them how they came up with this number and after months of back and forth they issued me a refund of my escrow tax and dropped the payment down. I didn't trust their tactics, so I refinanced to get away from them. I purchased another home and ended up with them as my servicer and here we go again. I should be getting a refund of the tax escrow that I have paid for the 2023 year when in fact my tax bill is {$0.00}, but now they come up with this retro insurance scam. I will probably have to refinance at a higher rate just to get away from them which is unfair. This is ridiculous and no one should have to go through this. When you call you get people from other countries who don't speak English well and spend the phone conversation just saying, " I apologize '' and doing nothing. The last time this happened with the previous loan, they took almost 6 moths to issue my refund and correct my payment amount. In the meantime, they are receiving interest on my monies that I can't access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Please use this additional letter as confirmation that I hereby am now opting out of any and all authorizations, I the Consumer may have given you written unwritten verbal and nonverbal as per 15 USC 6802. ( XXXX, XXXX, or XXXX ) ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, or XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, or XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' For the record on a fourth attempt I am opting out of your reporting services. ( XXXX, XXXX, or XXXX ) interactive service agreement. Thank you for updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: LEXISNEXIS
State: TX

Complaint narrative:
Please use this additional letter as confirmation that I hereby am now opting out of any and all authorizations, I the Consumer may have given you written unwritten verbal and nonverbal as per 15 USC 6802. ( XXXX, XXXX, or XXXX ) ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, or XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, or XXXX ( XXXX of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' For the record on a fourth attempt I am opting out of your reporting services. ( XXXX, XXXX, or XXXX ) interactive service agreement. Thank you for updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2023-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Today Date : XX/XX/ Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent ACCOUNTS and INQUIRIES on my XXXX, Transunion 's And XXXX credit report To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ), I challenge all inaccuracies and deficiencies of reporting. Per the FCRA compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.

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 2023-12-28 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
One main financial ran my credit without my authorization. I did reach out to one main as follow up for a pre-approval offer however their Manger at the XXXX office told me I wouldn't be approved unless they did a credit check or I had collateral. When the Manger informed me of my credit history I knew my credit was pulled without my consent. I did not authorize one main financial to run my credit. One main continues to give my information to Predator lending companies after I requested to stop being contacted and I'm continuously being contacted by XXXXXXXX XXXX and XXXX Whom I never reached out to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 explanation
Consumer complaint received 2023-12-28 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:
XXXX XXXX {$450.00} XX/XX/XXXXXXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX  XXXX XX/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 explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: KY

Complaint narrative:
{$500.00} was taken from my locked cashapp account on XX/XX/23 due to fraud through XXXX XXXX, XXXX XXXX  wants cashapp to submit a charge back so they can send the money, I have called cashapp several times been on hold for hours only to be told that my dispute is denied and not only can they not refund but not even communicate with XXXX XXXX XXXX in any way to try to find a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
A transaction was unauthorized on my debit card for over XXXX I filed a dispute with the bank they took two days and decided that the transaction was no error occurred I tried to file a rebuttal to have the relook at the transaction and they refused I didnt authorize the transaction or else I would not have filed the dispute. They did no investigation just decided that there was no error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXXXXXX XXXX XXXX XXXX. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: MO

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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:
please see attached file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IL

Complaint narrative:
Payment was already paid with XXXX over 5 years ago. No debt with XXXX. I have no business with you as email and any other forms of contact is harassment and will in return use a lawyer if bothered again by this. Like I said debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I made a deposit on XX/XX/XXXX for XXXX in form of a check. They told me it would be a hold on the check until XX/XX/XXXX. Later i found out that they had the hold date change to XX/XX/XXXX. I called several time and they could give me no explanation. it was up the auditing team. I called the person that written the check for a purchase and he was told by his bank t that he check had cleared on XX/XX/XXXX and verified. I called once again to BOA and was told that they was not going to release the funds to us until XX/XX/XXXX and that will be the day we can use the funds. We have been banking with Bank of America for 6 years and have had over XXXX XXXX in the bank. Yes we have experience a lot of bias from this bank and this has been consist.

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 2023-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My mortgage company is now Mr Cooper. They've recently had a security breach on XX/XX/XXXX. Ever since the breach, they have not posted my mortgage payments to my account. The payment will post and then to be returned as " insufficient funds '' when I have more than enough money to cover the mortgage payment. Now they are charging me fees and I'm XXXX months behind on my mortgage because they will not withdrawal the mortgage payment from my account. I have given them my account numbers seven different times and have spoken with five different associates. This problem is still ongoing and they keep blaming me and my bank and me or my bank ( depending who you speak with ). The payments missing are for XXXX and XX/XX/XXXX. Mr Cooper has since marked the payments as posted but they were not taken out of my account and will be " reversed '' as Mr cooper puts it because it's happened on four separate occasions now. This is an awful mortgage company and I hate that they own my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to Chase bank and deposited two checks via the atm machine that was inside the bank. The atm machine made strange noises and then a message appeared on the screen that one of my checks couldnt be read, however the machine did not return my check. Then a message appears on the screen that theres a problem and I should call the number on the receipt that will print out. The receipt printed with a number to call. I immediately went to the bank teller to report what occurred and was told theres nothing they could do and to call the number on the receipt. I was distraught because I deposited two checks, only one was imaged and no money was deposited in my account. My checks were stuck in the atm machine inside the bank yet the bank was being very nonchalant and unhelpful. I called the number on the receipt and a claim was opened for me but I still was not able to access my funds. I was on my lunch break and I didnt want to leave without my checks. I was told it could take months for an investigation and no one could open the atm to retrieve my checks. The phone representative hung up in my face after I asked to speak with a manager. I called back again and this time the representative said they were unable to credit my funds because the atm only imaged one of the checks. The atm imaged the insurance check for {$290.00} but not my XXXX check for {$4300.00}! The bank should not be allowed to take my money at no fault of my own, and not be accountable for faulty atm machines! My livelihood was disrupted! XXXX XXXX out and XXXX. This ordeal is very upsetting and I feel like I was robbed by chase bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NC

Complaint narrative:
My information was compromised. The company is XXXX. I have tried for many years to get the wrong information removed but it was always denied by XXXX. My engagement number is XXXX. This is to reference that my information has been compromised from 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