vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 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 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 2024-10-16 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: SC

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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I have a mortgage with Freedom Mortgage, who recently purchased the mortgage from the original holder, XXXXXXXX XXXX XXXX. I have held the mortgage for 4 years. 

On XX/XX/XXXX, I contacted Freedom Mortgage 's Customer Service number, wanting to drop the escrow account from which my local taxes are paid. The first agent I spoke to was XXXX, agent # XXXX. She told me I had to request dropping the escrow, and I responded that I was now making such a request. She apparently did not understand my request, and seemed confused. I believe that she was an off-shore agent ( her local time was XXXX when my local time was XXXX ). 

I then called a different Freedom Mortgage number and reached XXXX, agent XXXX, who transferred me to XXXX, agent XXXX. XXXX told me that I could make the escrow request through the easy-to-use web site. I had previously looked for this without success and asked XXXX to lead me through the process. After being repeatedly put on hold, XXXX was unable to help. She claimed that the web site must have been recently changed, and the web pages that I was seeing were different from those that she saw. After 45 minutes, she ended the call. 

I still can not make the online request to end the escrow. It appears to me that Freedom Mortgage is intentionally making the process incredibly difficult. If a request can be made online, Freedom Mortgage has hidden it well. And I can not help but wonder if the repeated, lengthy telephone holds are intended to dissuade people from continuing. 

I have held several mortgages over the years with many different mortgage servicing companies. I have never, ever, dealt with any company as difficult to deal with as Freedom Mortgage.

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have over {$100000.00} USD in my capital one business banking account. 

On XX/XX/XXXX I gave them a calling asking why my wire transfer was not going through. This is in the morning. By the evening I realize that my account is locked and I am given a number to call. 

The morning of XX/XX/XXXX I call and stay on hold before finally getting connected to a rep who tells me someone from the consumer protection team will call me up before XXXX EST friday the XXXX. Apparently I am missing some documents which they should have requested when I created the account over a month ago so they suspended the account. They just needed the documents sent to them. But they woud n't tell me where to send just to wait for a call. 

No one calls me. I call up on Monday the XXXX but they cancel the call saying they are closed. 
I now call Tuesday the XXXX and after staying on hold for 1.5 hours they tell me I will be transfered on the phone to another division. The call ends and I will have to recall to enter the cue. 

I call again and spend 3-4 hours on hold and talking with people looking for a solution as to why I can't access my account. They tell me I need to email an account with the documents and give it to me. 

I end the call and send the email. It was the wrong email and bounces back immediately. So I call back again and after an hour get the right email to send the documents to. I send it and get an automated response saying they will respond in 30-90 business days. This is unacceptable. 
I have a cage code from the United States department of defense. I have an XXXX XXXX XXXX XXXX. Those funds are needed to buy a part used in an airplane. I don't have extra cash to buy the items, I need access to those funds immediately. I might have to declare bankruptcy if I can't access that account within this week. Please, help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I was charged by a company for a lot of money on several transactions. The company was XXXX XXXX XXXX Ranging from XXXX XXXX XXXX 2024 there are several transactions made for {$500.00} each totaling {$13000.00}. I reached out to Chase bank to resolve this issue. Ive made 3 fraud claims and even sent them info from XXXX. Reason being I sent info from XXXX is my computer was lost and unlocked so I believe it was used to make these transactions. I had to contact XXXX because chase told me I had to give more information and they weren't going to get that information, I had to. Im at a loss and I just don't know what to do from here. If you could help in any way that would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: TX

Complaint narrative:
I can not get a credit report from this company. They have a lot of false information on my credit report. I also put a freeze on my credit report and they still send it to lenders. 

They keep incorrect information on your credit report to keep your rates higher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I did a balance transfer 1 year ago. I mistakenly wasnt aware how to transfer funds to an external account to pay BoA and so the check was returned. Upon communication with the external bank I proceeded to transfer funds to pay Bank of America before the interest took effect. I went online and thought I sent {$20000.00} to Bank of America. Within minutes I called Bank of America after noticing the mistake once again and called in a {$20000.00} payment, which would leave approximately {$4200.00} left to pay on my card. I called them almost everyday and told them to stop trying to draft from the external account and to only use the payment method to which I called in. In speaking to collections, they told me that it was a bank error and didnt see where the {$20000.00} had gone through, which is why they closed my credit card account. She even asked me if it was taken from my external account to which I stated that it showed it posting on XXXX. She investigated and told me to call a number and tell them to refer to the notes to have my card reinstated. Bank of America without totally investigating told me they could not reinstate the card. Where is the grace? I have a 27 year mortgage with them to which I have never been late in 22 years. I have a checking account that has never been in the negative. I also have had this credit card for 30 years and have never been late. I dont feel that they properly investigated and have closed my longstanding account because they didnt take the time to value and appreciate and put forth effort to understanding the needs of a longstanding customer. This is my longest standing account and will greatly affect my credit score, which is unfair. I consistently called concerning this error. My credit score is excellent and I have never been late in paying anything.

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 2024-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AE

Complaint narrative:
we rent an apartment in Virginia. I paid on time as agree. before we left, the manager came and did the inspections and said everything was fine and we signed the papers and move out. the company gave back my deposit to me. a month later i received a bill of almost XXXX said that the had to remove the carpet. the receipts was dated a year before i moved to the apartment. i contacted the company and told them that that receipts did not belong to us and was dated a year before we move in. we sent all the proves to the companies. the company said they did not care. I'm an XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I sent all the evidences to XXXX that the information was not collect on my credit report and should me remove. XXXX remove my wife one, but refused to remove my. XXXX told me that it was the company 's responsibilities to remove inaccurate information and not XXXX. The collection out refused to remove the information also even after receiving all the evidence that the account was inaccurate. I signed the contract with my wife. it was reported that the account was individual. they used my signature and said that i signed that i owed money. i never signed nothing and i did not owed anything when i left.

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent a validation letter to XXXX XXXX XXXX on XXXX for alleged debt and cease and desist. This is not my debt and debt has been 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I sent a validation letter to XXXX XXXX XXXX  on XXXX for alleged debt and cease and desist. This is not my debt and debt has been 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 2024-10-16 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on the account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XXXX and XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action.

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 2024-10-16 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on the account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XXXX and XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My account was closed in XXXX, the investigation was done and completed in XXXX, I only received a check XXXX $ the balance left was XXXX $ which was sent from XXXX XXXX XXXX kept calling Capital one for the XXXX $ and its a different story every time I call..They first claimed the money was sent to the original sender but they didnt receive it they later said they will mail a check for the XXXX $ but its been months I have not receivedits overwhelming and financially stressful and they just need to rightfully give me the money back or return it to the original sender and to stop wrongfully holding funds without any explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-16 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: NY

Complaint narrative:
I am submitting a request as a consumer and would like to ensure that my personal information on file is up to dateandaccurate.

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 2024-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: NE

Complaint narrative:
Honda was fully paid but shows balance on loan related to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: IL

Complaint narrative:
I am writing to express my concern over inquiries that have been reported under my name, which I did not authorize. These inquiries were not conducted by me, and I did not give any companies permission to report them. I am uncertain how this happened, and I request a thorough investigation to clarify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I checked my paycheck stub and noticed that I had a garnishment unbeknownst to me. I do not know what this debt is for and did not have proper notice to dispute this debt nor was I ever made aware of any court dates I needed to be present at to answer. My employer also did not make me aware of this before hand. The attorney representing the company is Aldridge P Han. When I spoke to them they only had basic information and said the company is called XXXX XXXX. I have never heard of this company or had any business dealings with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
XX/XX/year> : I sent about {$1600.00} to WISE US VIRTAUL ACCOUNT. This was to add money in my WISE account. 

So this transaction should have been : Me -- XXXX XXXXXXXX XXXX -- > US WISE BANK ( Virtual account ) -- -> WISE MY Bank But then, for some reasons ( they insist I didn't write down my personal number ), Wise failed to recognize the money I sent. It was belong to me, but because of failure in recognition Wise rejected to add my money in WISE MY BANK. 

They said they rejected the transaction. 
I do understand they rejected to tap in but, rejection doesn't mean I get refunded. Because when they rejected, the money I sent is back to US WISE BANK and stuck there. 

From US Wise bank to my XXXX XXXX it can not be automatically sent as US Wise bank was virtual account. Wise should take back money in their account and put in my XXXXXXXX XXXX information for the completion of refund. 

While I proved everything that shows I didn't receive any refund, and ask for them to prove the proof that their US WISE bank send to my XXXXXXXX XXXX, they just showed me that they rejected the transaction from my wise bank to us wise bank, which never means refund. 

I explained this several times after thorough review with XXXX XXXX XXXX but wise doesn't refund at all. So I decided to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to express my concern over inquiries that have been reported under my name, which I did not authorize. These inquiries were not conducted by me, and I did not give any companies permission to report them. I am uncertain how this happened, and I request a thorough investigation to clarify this matter.

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 2024-10-16 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 urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

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