vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXXF Date of Inquiry XX/XX/year>

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 2024-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have tried to have NewRez pay my County and City taxes from Escrow. I first contacted them on XX/XX/XXXX via chat to notify them that my taxes had not yet been paid and were due XX/XX/XXXX. I was told a request was submitted. I also sent the tax invoice to them via their " Contact Us '' email option on XX/XX/XXXX. The e-mail was never answered. I spoke on the phone with a customer service representative on XX/XX/XXXX and was told that another request was made. Today is XX/XX/XXXX -- I spoke to someone on the chat who told me that all requests had been cancelled, though taxes hadn't been paid. I called by phone and was connected with someone in the " Tax Department '' who told me they would initiate an investigation into the matter but they still would not tell me when my taxes would be paid.

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 2024-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I understand that i had a XXXX XXXX  bill of XXXX Ive paid that debt in full, somehow the company still have this item reporting negatively on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Transfinancial Companies, Inc
State: TX

Complaint narrative:
As a consumer, I, XXXX XXXX, believe that Transfinancial Companies is violating the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692g ( a ) by reporting this debt on my credit report without providing the necessary verification and information. According to the law, a debt collector must provide a written notice containing the amount of the debt, the name of the creditor, and a statement informing the consumer of their right to dispute the debt within five days of the initial communication. In this case, Transfinancial Companies has reported a collection account related to XXXX XXXX XXXX XXXX on my credit report, but the original balance is listed as {$0.00}, and crucial details such as the last payment and past due amounts are either missing or incorrect. Furthermore, I have not received any communication from the company verifying the debt or offering the opportunity to dispute it, which is required by law. Therefore, this reporting appears to be a clear violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have no knowledge of this these fraudulent accounts. These accounts are a result of identity theft. I did not physically open these accounts in person at a branch nor did I open these accounts online with the bank. I am a victim of identity theft. These credit card accounts were open without my consent. There was also bank accounts opened in my name using my information obtained from a breach or other sources thieves use to obtain personal information and used to make payments on these accounts. Please remove this account from my transunion credit report. I have attached dispute letters along with an FTC identity theft report. & Police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-15 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I initially took out a private loan in XXXX or XXXX from Sallie Mae which has since become Navient to attend XXXX University ( school no longer exists ) in XXXX, MN. My grandfather who has since passed away cosigned on the loan for me. I made steady payments on the loan for a few years and not only did the loan amount never decrease, it has increased over time. I then saw that a lawsuit was brought against Navient and was able to see a list of schools that were in connection with the suit. XXXX XXXX  was on the list. I called to inquire about it, and they were not forthcoming with information on how to get this loan forgiven. I understand that the customer service rep would not be encouraged to tell me how to get my loan forgiven but this loan has been hanging over my head for XXXX years. I would like some guidance on how to get it forgiven, I can not afford the payments and the constant phone calls and threats to contact my employer are becoming worrisome. I'm looking to see if there are any options to get this loan forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
My mortgage was sold to Mr. Cooper mortgage company. My original mortgage XXXXXXXX XXXX sent the wrong escrow figures to Mr Cooper mortgage co. Mr Cooper sent us a check for XXXX so we deposited it. About a week later they put a stop payment on it because XXXX gave them the right figures. So I had checks bounce and my credit union froze my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As recently as XX/XX/scrub>XXXX XXXX I was assessed a {$34.00} NSF charge. It was yet another charge that began on XX/XX/XXXX for {$41.00} as a late fee, XX/XX/year>, {$34.00} as an NSF charge, XX/XX/year>, {$34.00} NSF charge. I have attempted to change the linked bank account, and I have been unable, and as a result it has caused me a lot of issues. It has been a great source of frustration to have all these fees assessed and my bank charge me as well. Also since payments have not been received Citi is reporting negatively to the credit bureaus. I am XXXX XXXX XXXX, and I only receive at the moment my social security check and to have all these charges accumulate is very distressing to me.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I sent a cease-and-desist letter to Hunter Warfield, requesting that they immediately stop all communication with me regarding an alleged debt. In the letter, I stated that I disputed the debt and that any further contact would be a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I also explicitly requested that they not contact my workplace or me directly in any form, written or oral. 

Despite this, on XX/XX/year>, I received an email from Hunter Warfield regarding this alleged debt, specifically mentioning XXXX XXXX XXXX, XXXX. This communication was in direct violation of my cease and desist request. Furthermore, they have continued to attempt to contact me via email, phone, and other means after receiving my cease and desist. 

I believe this repeated contact is a clear violation of the FDCPA, which prohibits further communication once a valid cease and desist request has been made. I am filing this complaint because Hunter Warfield has failed to comply with federal debt collection laws, and I request that they cease all further communication about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need 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 non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: OK

Complaint narrative:
have been a customer of Flagstar Bank for 7 years and have never made a mistake with my mortgage payments. Recently, I encountered issues when attempting to make my payments. Flagstar Bank has informed me that they will no longer accept payments over the phone or via credit card, insisting that I make payments exclusively through cashier 's checks. 

I have called almost daily and submitted multiple requests to have this decision reconsidered ; however, no one has been able to assist me in making a payment. I have spoken to multiple representatives from different departments multiple times per day and have escalated my request to the highest level available to me. Yet, I have been told repeatedly that there is no way to make the payments, even though all they need to do is accept my card information. This situation has become quite stressful for me, and I can not understand why it can not be resolved. 

The issue began when funds were mistakenly taken out of the wrong account, which caused me to be removed from the auto-payment plan. Although I have been told I can not make a payment, I successfully made a payment last month using my credit card, which adds to my confusion and frustration. 

I have the funds available to make my payments, but Flagstar Bank will not accept them through any method that I can use. This change in payment policy has created a significant hardship for me, as I am unable to obtain a cashier 's check. As a result, I am at risk of missing my mortgage payments, which could lead to further financial complications.

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 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Made a purchase on XX/XX/XXXX for {$1900.00}, the store representative forgot to apply the correct promotional rate. Called Citi Bank was advised to return to the store to redo the transaction. Bestbuy processed an incorrect refund to rectify this issue. Bestbuy refunded {$1500.00} on XX/XX/XXXX and recharged {$1700.00} at XXXX percent interest. I was under the impression the issue was resolved although the amounts didn't add up. I received a letter from CitiBank on XX/XX/XXXX stating they accidentally applied interest to my purchase and were rectifying the issue that I thought was resolved. They added a balance of {$1900.00} to my credit card account, with the correct XXXX percent rate. Additionally, they refunded me {$1700.00} to offset the charge that was made {$1700.00} on XX/XX/XXXX. The actual issue is I was charged {$1900.00} and only refunded {$1500.00} therefor I am owed {$480.00}. I have invested many hours, phone calls, cases and disputes to rectify this issue and I have gotten nowhere. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-15 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I was told a request was received on XX/XX/year>, to verify employment. 
We have no clue what this is about or who they represent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Issued a XXXX dollar Amex gift card and have not been able to use it at any online or I person store. Attempted to call and was informed the card is active and the balance is full but they would not confirm where the card be used.

Company response to consumer: Closed with monetary relief