vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: AL

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized, and I ask that you delete them : Inquiry from- XXXX XXXXXXXX XX/XX/2023 Inquiry from- XXXX XXXX XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2023-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: TX

Complaint narrative:
Currently my mortgage lender Loan Care parents company XXXX XXXX XXXX has undergone a cyber attack based on public reporting. This issue is payments are officially due soon and the providers website and phone payment service is non operational. Further complicating the problem is that no official notification or instructions on what to do for the upcoming XX/XX/XXXX payment have been made. This problem has been going on for almost a week and nothing has been provided from the 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 explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX I received emails from U S. DEPT OF EDUCATION informing me that my XXXX XXXX CASES HAVE BEEN APPROVED. XXXX XXXX XXXXXXXX case lawsuit. Pursuant to the XXXX settlement the DEPARTMENT OF EDUCATION are to discharge all federal student loans. On XX/XX/2023 I received a letter directly from XXXX XXXX SERVICES VERIFYING THAT THEY HAVE 100 % XXXX MY LOANS. MY ACCOUNT # IS XXXX. 
PLEASE CALL XXXX. 
VERIFY THE ABOVE INFORMATION AND FOLLOW THE LAW AND DELETE ALL STUDENT LOANS FROM MY CREDIT FILE

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 2023-11-29 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: CA

Complaint narrative:
On XXXX I received emails from U S. DEPT OF EDUCATION informing me that my XXXX XXXX CASES HAVE BEEN APPROVED. XXXX XXXX XXXXXXXX case lawsuit. Pursuant to the XXXX settlement the DEPARTMENT OF EDUCATION are to discharge all federal student loans. On XX/XX/2023 I received a letter directly from XXXX XXXX SERVICES VERIFYING THAT THEY HAVE 100 % XXXX MY LOANS. MY ACCOUNT # IS XXXX. 
PLEASE CALL XXXX. 
VERIFY THE ABOVE INFORMATION AND FOLLOW THE LAW AND DELETE ALL STUDENT LOANS FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX I received emails from U S. DEPT OF EDUCATION informing me that my XXXX XXXX CASES HAVE BEEN APPROVED. XXXX XXXX XXXX case lawsuit. Pursuant to the XXXX settlement the DEPARTMENT OF EDUCATION are to discharge all federal student loans. On XX/XX/2023 I received a letter directly from XXXX XXXX SERVICES VERIFYING THAT THEY HAVE 100 % XXXX MY LOANS. MY ACCOUNT XXXX  IS XXXX. 
PLEASE CALL XXXX. 
VERIFY THE ABOVE INFORMATION AND FOLLOW THE LAW AND DELETE ALL STUDENT LOANS FROM MY CREDIT FILE

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 2023-11-29 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:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-11-29 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: DISCOVER BANK
State: NY

Complaint narrative:
Subject : Formal Complaint - Incomplete Verification, Reporting Inaccuracies, and FDCPA Violation Discover card ending in XXXX XXXX I am writing to express significant concerns regarding Discover 's recent reinvestigation results on the account associated with my name. Discover 's failure to provide essential account-level documentation, inaccuracies in verification, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) have led to severe consequences. 

Discover allegedly verified information without furnishing necessary documentation, breaching 15 U.S.C. 1681s-2 ( b ) ( 1 ) and 15 U.S.C. 1681s-2 ( b ) ( 6 ) ( 1 ). Moreover, false credit information dissemination since about XX/XX/2022 has resulted in credit denials and harmed my record, indicating a breach of contract. 

I assert that Discover 's actions were willful and reckless, violating section 1681s-2 ( b ) of the FCRA. Additionally, potential FDCPA violations under 15 U.S.C. 1692e ( 2 ) ( A ) regarding late payments raise concerns about false representations of debt.

Discover 's failure to conduct a thorough investigation and inaccurate reporting have caused distress, lower credit scores, and credit denial. Alleged violations of 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) further compound these issues.

I urgently request your attention to rectify these violations, safeguard my financial standing, and prevent legal action. Immediate corrective measures are crucial to restore accuracy and fairness in the verification process.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Someone is applying for cards .... refi of my cars... trying to get into credit unions and bank cards .... but it seems they are using my address... .. which makes no sense. 



Removing 60/80 inquiries .... too much to mention .... had fraud alert placed on my report ... .. all 3 bureaus complicit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Hello, I need assistance with a dispute I started back in XXXX with the bank regards a charge on my debit card in the amountof XXXX. I booked a hotel which I stayed for about 2 weeks due to plumbing issues. During this time I book a hotel in the area since XX/XX/XXXX - XXXX. The charge I am disputing with the bank is the {$400.00} dollars. I did have prior charges using different methods of booking XXXX {$170.00} XXXX, XX/XX/XXXX - paid directly with merchant XXXX XXXX {$90.00}, XX/XX/XXXX {$270.00} Travelocity XXXX XX/XX/XXXX - paid to XXXX XXXX {$170.00}, XX/XX/XXXX - {$400.00} paid to XXXX XXXX XXXX I am disputing due to the fact this place had many issues with the room I stayed one being a broken sink, couch in poor conditions, and had bed bugs. When brought this to the attention of the person in charge they booted me out. I asked to be changed rooms but they refused. The deposit I gave in cash was refused. I called the bank to decline the transaction of XXXX as it was pending but unfortunately it was still paid. I refused to pay for horrible service on top of that no other option other than to vacate the premises and then they keep my money. Please help.I reported the Hotel but looks like nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/23 refund for {$96.00} was made from XXXX XXXX merchant. Bank of America says it it takes 5 days because they don't have the money yet which is inaccurate. The money was sent back which is why they can record it taking place. Bank of America charges a LOT of unnecessary fees and places ridiculous holds on your account to create overdrafts so they charge more fees.

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 2023-11-29 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: MD

Complaint narrative:
There are a number of addresses on my credit reports that are not mine. I am attaching my current driver 's license with my current address. I've contacted the three reporting agencies and requested that the addresses be removed and they advised that they could not remove them. Per the FCRA I am entitled to fair and accurate reporting in all areas of my files.

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 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XXXX XXXX accidentally charged my account {$180.00} to my debit card. I didn't realize it had been charged, however, it created a hold on my account which caused my available balance to fall below {$0.00}. On XX/XX/XXXX, when I checked my balance, I saw I had 3 fee listed as " Paid Hold Item Fee ''. When I called the customer service line, the agent did not know what this fee was, however, when she got clarification, it was a form of Overdraft fee. I was advised that this should not have been charged due to the charge only affecting my available balance but not my current or ledger balance. I was then told if I wanted to get the fees reversed, I would need to talk to the branch, since any fee rebate comes out of the branch 's budget. I then talked to XXXX at my local branch in regard to this matter, while I was on the phone with her, XXXX once again charged my account {$180.00}. This charge was for the same transaction creating a duplicate hold on my account. I put money to cover these charges right away as I did not want my account to go negative, and XXXX told me she needed to investigate this and would follow up with me on XX/XX/XXXX. On XX/XX/XXXX, the charge XXXX charge from XXXX fell off the account and did not go to my ledger balance. 
On XX/XX/XXXX, XXXX contacted me stating that these fees were Overdraft fees caused by my available balance going below XXXX and that she would return one of the 3 fees, but no more because I have a " History '' of getting fees back. I advised her that I had been told by multiple Webster Bank employees that in the instance where a transaction caused the available balance to fall below XXXX fell off the account, any fees associated with that transaction would also be returned. XXXX brought this to her District Manager, XXXX, who told her to return XXXX more fee, but not all. I told her I would like XXXX to call me. XXXX said XXXX should get back to me within 24 hours however she also provided me with her phone number in case something went wrong. I gave it the 24 hours and then attempted to call XXXX. I left a message, and then gave it two days and tried again. It took until Monday, XX/XX/XXXX for XXXX to call me back. 
When XXXX finally called me back, she acted like I was an annoyance right from the start. Her position was that because she had refunded me fees in the past she was not going to refund me the money. When I pointed out that on my statement, there is no evidence of an overdraw because of the duplicate charge and the first falling off the account, then asked her to associate the fees to a charge, her response was " Well I can only assume you went over on your account. '' But there is no evidence of that. 
I then asked her to connect me with her Regional Manager. She reportedly escalated me to the office of the President of the Bank, however I'm not holding my breath.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
Ive received emails stating to activate my card and it was a new login to my account. I called Chime and they state somebody will be with you in 20 minutes but I waited over 40 and nobody came to the phone. I would like this persons information and the account closed. There is a phone number I dont recognize on the account. When I tried to change the password to see who this person was I couldnt because they were sending verification through that number. All I could see was the last 4 digits of the number that I dont recognize. It shouldnt be so easy to fraudulently open an account. This company should be investigated because Ive heard this from several people this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I had identity theft issues after my purse was stolen with my phone and wallet. 

Charges were made to a company names XXXX I reported it to Citizens bank and contacted the company who said they closed the account that was opened in my name along with the card that was opened in my name. 

The bank reversed the provisional credit on Friday of {$1800.00} without even alerting me or asking for additional information. They closed the claim and refuse to look into it further. I am a single mom - and now have an account with negative XXXX. It's XXXX- the bank refuses to let me talk to the back office - and refuses to give me anyone else that may be able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX of XXXX I began a mortgage loan with XXXXXXXX XXXX. My first payment was due XX/XX/XXXX. I made all of my payments online via the XXXX XXXX website. 

On XX/XX/XXXX I made my first payment. On XX/XX/XXXX I made a payment, as well as on XX/XX/XXXX. The payment made on XXXX/XXXX/XXXX was for the XX/XX/XXXX due date and the seconde payment was for the XX/XX/XXXX due date. XXXXXXXX XXXX applied my XX/XX/XXXX payment to the principal instead of to the XX/XX/XXXX due date and has failed to correct the error to date. 

Unaware that the payment was applied incorrectly to the prinicial balance I did not make any additional payments until XX/XX/XXXX and XXXXXXXX XXXX marked my account 30 days late to the credit bureaus for the months of XXXX and XXXX. 

In XXXX I received several notifications that my mortgage account had been marked late via the credit bureaus. I immediately contact XXXX XXXX  who she that the payments made were received but reflected as " principal '' payments because I had made them prior to the due date. I was assured that the payment and credit reporting would be correct asap however to date the credit errors have not been corrected. 

I have called XXXXXXXX XXXX numerous times since the initial call and complaint. Once in XXXX, XXXX and XXXX and twice in XXXX of XXXX. I called again in XXXX and XXXX of XXXX, only to be given the same responses. " A supervisor will adjust the credit reporting within a few business days '', " the prior case wasn't input properly for the supervisor to correct the reporting '', or " we will have a supervisor contact you within 1-3 business days and correct the credit reporting '' All lies. 

Not once has anyone returned a call, sent a letter, or even emailed me, more important my credit still shows two 30 day late payments from XX/XX/XXXX and XXXX of XXXX. I previously filed a complaint with the CFPB and the company fixed the reporting for XXXX and XXXX of XXXXHere is there response " We have manually updated the information sent to Transunion to report your XX/XX/XXXX and XX/XX/XXXX payments as no data. Should you need it, the AUD # for this correction is XXXX. Should you have any further issues or questions, please feel free to contact us at ( XXXX ) XXXX Monday through Friday XXXX and Saturday XXXX XXXX XXXX XXXX. Very truly yours, XXXX XXXX XXXX XXXX Customer Service XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have several statements where XXXXXXXX XXXX has applied and removed payments from XX/XX/XXXX that reflect on the XX/XX/XXXX statement due to their errors. the acconting and statements errors are outragous for such a large corporation that is responbisle for mortgage and credit reporting.

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 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I paid my mortgage on XX/XX/XXXX on the LoanCare Portal. The money did not come out of my checking account so on XX/XX/XXXX i went online to check and the portal/website was down with no explanation. i called the XXXX number and the lines were also down. Again, no explanation. I found information online that there was a cyber attack on the LoanCare site. there was no communication on this. Also, on XX/XX/XXXX, they did take {$190.00} out of my account for an appraisal they were supposed to set up to remove my PMI payment from my mortgage. I never got a call to schedule the appointment. But they took my money. 
Today, i went on the portal and was able to log on, but it looked different so i called LoanCare. After XXXX mins i got through to a representative who basically told me not to trust the site. And she couldnt take payment over the phone. Nothing is processing right now. She didnt know anything further and would not tell me why the customers have not been notified. This could impact everyone financially! This is a big deal and all of their customers are in the dark. Its almost XXXX and i need to pay my mortgage. What is their obligation to the customer to inform them of the data breach?

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 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: KY

Complaint narrative:
On XX/XX/XXXX, MOHELA processed and updated my employment verification on my loans ( sequences XXXX and XXXX ). This information put me over the required 120 payments as a part of the PSLF program. However, as of XX/XX/XXXX, the amount owed information on my account summary page does not reflect the forgiveness of these loans and still shows I owe an overall balance of {$100000.00}. My account summary is also showing that I have accrued {$6600.00} of interest as of XX/XX/XXXX. These amounts are incorrectly reported, with loan sequences XXXX and XXXX being forgiving ( 121 of 120 payments applied to my account ), I should have a remaining balance of {$31.00}, XXXX. The amount of accrued interest is based on the incorrect amount of {$100000.00}. I have called MOHELA to have these numbers adjusted correctly for my account on XXXX XXXX and XXXX XXXX. These incorrectly reported numbers are also inaccurately appearing on my credit report, affecting my debt-to-income ratio, thus effecting my overall credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 15 USC 1681 section 602 A states that I have a right to privacy.

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

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

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE.

Company response to consumer: Closed with explanation