vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had {$170.00} dollars charged to me after cancelling my XXXX XXXX XXXX trial month. This has been an ongoing battle against XXXX XXXX, BMO, and me. Approximately XXXX months ago, I signed up for a one-month trial of XXXX XXXX XXXX XXXX for my work. I cancelled my " subscription '' a week before the one-month period. I am demanding my money be refunded back to me. Before Bank of the West turned to BMO, this would have been investigated and I would have been justified in my favor. However, since BMO merged with Bank of the West, BMO cares only about the merchant than his or her own customers.

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 2023-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I had lost my job and fell behind on my payments. I asked the company for help during that time. They said I did not qualify for assistance, but instead, I had to pay a lump sum by XX/XX/XXXX. When I calculated the amount they said I had to pay by XX/XX/XXXX, it didn't add up to my current mortgage payments. I asked for a breakdown and they could not provide me with me. After the XXXX email from them, they said I was short on my escrow and now I have to pay more, which still does not equate to the amount they were claiming I would owe. Within this back and forth with the mortgage company, I was able to catch up on missed payments, but they are still increasing my mortgage payments and the amounts do not match based on escrow analysis from XX/XX/XXXX and the one they quickly processed recently.I just want the correct information because I now do not trust that they are accurately calculating the amounts on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. Section States : No consumer reporting agency my make any consumer report containing any of the following items of information, Any other adverse items information, other than records of convictions of crimes which antedates the report by more than 7 years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: FL

Complaint narrative:
I CONTACTED CHECKR ASKING THEM TO UPDATE MY BACKGROUND CHECK WITH XXXX, AND XXXX REPORTED TO ME THAT CHECKR HAS NEVER UPDATED MY BACKGROUND CHECK ERROR WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I was unsuccessful demanding Navy Federal Credit Union immediately reverse an erroneous late fee charge and credit my Home Equity Line of Credit in the amount of {$31.00} which I paid. 

The basis for my refund request is that Navy Federal  XXXX ) systemically abuses late fee charges for payments received on time ; and XXXX ) improperly retains late fee charges Navy Federal is not entitled to for a under the guise of a fake and unnecessary 10-day investigation period. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in the amount {$770.00} to Navy Federal. See attached. 

Navy Federal acknowledged receipt of the check on XX/XX/2023, with a notation " XXXX XX/XX/2023 XXXX '' on the reverse side of the check. 

Notwithstanding Navy Federal 's possession of the check on XX/XX/XXXX, a late fee of {$31.00} was assessed. Navy Federal processed the check for payment on XX/XX/2023 as noted on the back of the check. Funds were withdrawn from the XXXX bank account on XX/XX/2023. 

On XX/XX/2023, I contacted Navy Federal and requested the charge be immediately reversed as erroneous and was told I had to wait at least ten days for an investigation to be completed. However, as the notation on the back of the check made clear, there is nothing to investigate since Navy Federal 's own records/notation acknowledged possession of the check on XX/XX/2023 ( within the time period to be considered on time per Navy Federal 's XXXX ). Also, Navy Federal refused to provide/confirm this information currently within their holdings. Lastly, I believe Navy Federal systemically abuses late fee charges in contravention of internal policy because I was told a prior payment late fee had been waived ( without my knowledge that Navy Federal even considered the payment late ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 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 trust this letter finds you well. I am writing to bring to your attention several discrepancies in my credit report that are in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically USC 1681. 

List of Accounts in Question : 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 XXXX  According to the provisions outlined in the FCRA : 15 U.S.C 1681 Section 602 A : Affirms my right to privacy.

15 U.S.C 1681 Section 604 Section 2 : States that a consumer reporting agency can not furnish an account without my explicit written instructions.

15 U.S.C 1681 ( a ) ( 5 ) Section : Prohibits any consumer reporting agency from including certain adverse information in a consumer report, particularly any adverse item that antedates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) : Specifies that no person shall furnish inaccurate information to a consumer reporting agency.

Upon careful review, it is evident that the listed accounts [ List Accounts ] on my credit report are inaccurate and in violation of the aforementioned FCRA sections. In light of these violations, I am formally requesting the immediate removal of the mentioned accounts to bring my credit report into compliance with the FCRA. 

I understand that the FCRA mandates a timely investigation and resolution of such disputes. I kindly request that you conduct a thorough investigation into the accuracy of the listed accounts and take prompt action to remove them from my credit report. 

I appreciate your attention to this matter and anticipate your swift resolution in accordance with the FCRA. Please provide written confirmation once the investigation is complete and the necessary corrections have been made to my credit report. 

Thank you for your prompt cooperation. 

Sincerely, 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 2023-12-30 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: CA

Complaint narrative:
In my report from the Equifax credit bureau, some inquiries appear that were not authorized or requested by me, the banking institution XXXX Bank, submitted some inquiries that I never authorized or requested. The dates of these are as follows : XX/XX/2023, XXXX XXXX, XX/XX/2023, I request to remove it immediately from my credit report, EQUIFAX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are not reporting accurately. I sent a letter to all XXXX companies to fix or delete. To no prevail, they have not corrected the information, nor have they deleted it. I have asked that they fix the items or delete it. I even sent my ID, social security card, and proof of address. The only thing they sent in return was a letter stating to please send verification which I did previously.

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 2023-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In XXXX of 2023, I had my work hours cut because of an injury. I was making my payments as I was supposed to but with a cut in pay, I knew that I was going to be in trouble. During a call from Citizens Bank, I asked XXXX XXXX if I could refinance the loan for a lower payment. He said no. In XXXX of 2023, I had asked for a forbearance and I could only get one for 3 months. After my re-payment started, my payment went {$280.00} to {$300.00} and that didnt help at all!! 
Since then, Ive had to wait until my next XXXX XXXX check comes the next month to pay it. The loan is always paid in the second week of the month but Im XXXX weeks behind. The payment is due on the XXXX of the month. On the XXXX of the month, the phone calls start!! I get as many as XXXX or more per day from the XXXX to a few days after Ive made my payment. My payment is never a month late. These dates are the most recent that I have but my phone didnt store the calls from the XXXX. Following are the dates and times : XXXX, XXXXXXXX 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 
I dont answer the calls because the first time that I did I was pressured into post dating checks for XXXX payment that put me into another bind. All I want is for them to work with me so that I can get this loan paid off and to quit calling me. They know when I make my payment.There is nothing in my loan paperwork that says it can not be re-financed. I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: CA

Complaint narrative:
In XX/XX/2023 I had a collection account placed on my credit reports. The company, XXXX XXXX advised they were attempting to collect a debt on an account that is not mine. I have placed fraud alerts on my credit reports and disputed the erroneous information. I also have completed a FTC XXXX affidavit as recommended and attached. Also is correspondence from the collection agency indicating they would be removing this information from my credit reports. Please see attachments.

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 2023-12-30 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: CA

Complaint narrative:
In XX/XX/2023 I had a collection account placed on my credit reports. The company, XXXX XXXX advised they were attempting to collect a debt on an account that is not mine. I have placed fraud alerts on my credit reports and disputed the erroneous information. I also have completed a FTC XXXX affidavit as recommended and attached. Also is correspondence from the collection agency indicating they would be removing this information from my credit reports. Please see attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I'm in receipt of a data breach notice from my mortgage company, Mr. Cooper. 
As a result of the data breach they are offering XXXX yrs of a single bureau monitoring. I believe that this an inadequate response to the data breach. They are required by law to offer adequate safeguards for the data the are entrusted with. As a consumer, I would like a more intentional response to this and request they be made to provide 2 years of waived mortgages on my loan ; this is a more appropriate response to failure to adequately safeguard my protected information. After all, this isnt the first time they have failed consumers in the mortgage arena.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I obtain my free annual reports every year through the annualcreditreport.com. I have never been able to get my report from Experian and instead get an error every year. When I tried to log into their website to request it there, I got an error accessing the site after logging in and have been unsuccessful in requesting more information from them. I have not had this experience with XXXX or XXXX and have logged into their accounts fine to dispute small changes in the past without any errors. 

Experian says that you have to mail them your social security number with all of your personal information, which I am not comfortable doing. Not to mention it isn't free if you have to buy stamps to communicate with them to get it every year. 

I would like to report them because upon searching reddit and other sites online I see that many people are having this issue and that it seems they are purposely doing this to avoid giving an actual free report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: IL

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX XXXX Account Number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: IL

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX XXXX Account Number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CA

Complaint narrative:
Credit States that we need to pay XXXX. No communication was given that we had a collection or owed anything. We moved out in XX/XX/XXXX and JUST found out on XX/XX/XXXX that my fianc and I owe XXXX. We left the apartment clean and sanitized, no odors, no defects besides the one the apartment maintenance had left. Left the apartment complex due to untreated pre-existing black mold and spores growing on walls and ceiling. The only thing maintenance did about it was make a big hole in the wall to stop one of the pipes from leaking because that was the source of the black mold. Which is something they are making us pay for. Making us pay for the carpet in one bedroom where the hole was made and the black mold was infecting the floor underneath. Saying that we have to pay for the carpet removal and replacement because of that. The first week we moved there we turned on a ceiling fan in the guest bedroom and the fan broke the blades completely fell off the fan, almost as if the tenants before had broken it and just set the blades in it. We paid for new fan blades out of our own money after notifying the front office, now they are charging us to replace the whole fan because of this. My fianc and I have months of proof asking for the black mold to be investigated and fixed and it never did, now we are being asked to pay for everything they broke and infected because it didnt get fixed and when we kept emailing about the pre existing black mold I got ignored by the apartment managers. I even had my mom try to reach out because at a certain point I started getting sick and they were ignoring my requests. We also have proof of the black mold state under the floor and in the tile of the bathroom and the walls. We have pictures of the mold from the maintenance tearing up the floor and tile while we were still in the apartment. Remind you that all of the problems that we are being asked to pay for were pre-existing problems that were there before we moved in and we moved out due to a lack of management initiative to fix these problems, all they did was pour bleach on the mold, and put holes in the walls. They then put new flooring over the bleached mold this made the mold 3x worse due to the fact that you arent supposed to put bleach on black mold because it could help it grow back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are not reporting accurately. I sent a letter to all 3 companies to fix or delete. To no prevail, they have not corrected the information, nor have they deleted it. I have asked that they fix the items or delete it. I even sent my ID, social security card, and proof of address. The only thing they sent in return was a letter stating to please send verification which I did previously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
Originally my loans were through XXXX XXXX and also XXXX XXXX XXXX. Then my account was bought by XXXXMohela during the end of XXXX and beginning of XXXX while interest was 0 % due to COVID regulations. I have been paying XXXX payments toward my student loans while the interest rate was 0 % to lower my debt. I had a payment of {$400.00} and an additional {$280.00} since I was originally paying them to the separate organizations I figured that paying the continued amount to Mohela/XXXX  would help. According to their system I have only paid XXXX sums of {$280.00} for XX/XX/XXXX through XX/XX/XXXX. As of my records with my banking account, I have XXXX payments ( from the last XXXX months ) that show a cleared {$400.00} payment to Mohela/XXXX. I will be gathering more information from my bank but it requires a cost to access those records. I asked Mohela/XXXX to give me a record of all my payments to them and the only thing that I have received is a document showing the last XXXX months. There is thousands of dollars missing. I should be close to ending my payback.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Selene Holdings LLC
State: TN

Complaint narrative:
I have applied for 2 loan modifications due to financial hardship causing us to struggle and get behind paying our monthly mortgage of {$3600.00}, which was both approved but the first loan modification was approved increasing mortgage from {$3600.00} to {$4000.00} and the second loan modification was approved increasing mortgage from {$3600.00} to {$4300.00}. Please advise.

Company response to consumer: Closed with explanation