vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 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: GA

Complaint narrative:
Please verify these inquiries, as I do not recognize them and wish to remove them from my credit report : Inquiries : 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 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

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 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One has essentially locked me out of my money. I keep my debit card locked to prevent fraud and they have a defect where if they renew your card while its locked, it remains locked until your new one arrives which is typically 7-10 business days. Capital One manager confirmed that this is a long standing known issue that higher ups have been ignoring. So I dont have access to my debit card. They said I could use XXXX to transfer between my XXXX and XXXX account. I attempt the XXXX and they block my account for suspicious activity because I havent used XXXX in over 30 days ( never. Ive never used XXXX ). XXXX claimed that XXXX is saying they blocked it because I recently changed my password, which I didnt. I try to do a transfer and they want to verify deposit amounts. Which takes 1-3 business days. There is most likely another known issue where it asks that youre verify accounts because an account already in the system has fresh micro deposits sent for verification today ( XXXX ). Wire transfers cost money and they wont refund until after its posted. I cant pull from XXXX XXXX or XXXX XXXXXXXX. XXXX says 3-5 days. Im starving cause I havent eaten today and want to go run errands and eat lunch. Been working since 7. I have my discover account but keep most of my money at XXXX. Im afraid to even spend anything cause I legit dont know when Ill get my money back. Ive already opened a different account ( which they wont let me transfer from because apparently XXXX is saying the personal info doesnt match ( it does ). Managers have been super condescending and hung up in my face. Managers say they are filing complaints and never ask questions about the issues. You have to request any type of follow up. The managers are incredibly nice nasty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
During XX/XX/XXXX, I requested a modification of my mortgage loan. Bank of America sent me notification, XX/XX/XXXX that I was approved for a trial modification and instead of making regular monthly payments to pay the exact amount of my trial period plan payments of {$1600.00} for XXXX XXXX XXXX XXXX Additionally, the letter informed me that they would continue to report to credit reporting agencies the status of my loan as well as my entry into a Trial Period Plan, in accordance with the requirements of the Fair Credit Reporting Act andf the XXXX XXXX XXXX XXXX. In addition, my loan will be reported as paying under a partial or modified payment plan during the trial period. 

The letter further informed me that my existing loan terms will remain in effect and unchanged during the Trial Period Plan and I will continue to receive monthly statements that will show the payment amount based on my existing home loan agreement. However, please pay only the new Trial Period Plan payment amount instead of your regular payment amount until I hear from them about a permanent home loan modification. 

On, XXXX XXXX XXXX I received the approval letter for the modification. This letter informed me that I had successfully completed my trial modification and they are pleased to let me know that I've been approved for a permanent loan modification. The condition to receive a permanent loan modification was to make the trial payments on time, by the XXXX of that particular month in which I did. 

Bank Of America, instead of notifying the credit reporting agencies of my modification status and Trial Period Plan, they reported late payments from XXXX which is inaccurate and a direct violation and a willful failure to comply with the Fair Credit Reporting Act. They failed to notify the credit reporting agencies of my loan modification status and that I was on a Trial Period Plan. Additionally, they reported late payments when payments were sent XXXX, XXXX and XXXX. 

In XXXX, I requested a detailed payment history to include XXXX payments. Bank Of America failed to send XXXX XXXX XXXX, but sent XXXX  from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing this report because I discovered that I've been an identity theft victim and informed all the required parties. I told the credit bureaus and informed the creditors I suspected they were fraudulently reporting on my credit report. After deliberation, the creditors were notified and are aware that the accounts they are currently reporting to the credit bureaus are fraudulent and do not belong to me. I contacted the collection companies and informed them that the version resulted from fraud and identity theft, and they needed to remove it from my credit report. They have ignored my request. At this stage, my credit is being harmed by these derogatory accounts and collections and must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I found a fraudulent charge for {$44.00} by XXXX XXXX a foreign exchange fee on my Chase checking account. I disputed it and it was denied. In the letter it said I can request the information used for this research. I requested more information but all that was repeated was I was found to have authorized this transaction because I hadn't disputed charges from them before. I have NEVER received a transaction from XXXX before, and Chase denied my request for actual proof or to speak with the agent who worked on my claim. There was also a foreign transaction fee for XXXX and I never traveled outside of the U.S in XXXX, which makes no sense. I have proof that I was in the U.S. This is unacceptable as it is clearly a fraudulent charge and they denied my claim with no proof. There is also multiple users online having the same problem, getting the same unauthorized charge of {$44.00} by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Two days ago, I received an email from Home Depot thanking me for purchasing {$1000.00} of lumber in XXXX, CA. However, I live in Oklahoma. I logged into my Home Depot Pro Account to find that nearly {$4000.00} in purchases is associated with my account, using a card I DID NOT OPEN and DO NOT OWN. I attempted to call and remedy this situation, but their credit department requires a social security number ( mine was not accepted ) or an account number ( for an account I Dont Have. ) I am at an impasse and refuse to fight with their automated system just to try and counter what is either some very foolish fraud, or a glitch in their systems, any longer. Needless to say : DO NOT OPEN A PRO ACCOUNT. Do not trust Home Depot with your information.

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 2023-10-04 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: OK

Complaint narrative:
I have addressed this dispute on XX/XX/ with XXXX, XXXX, Experian and to no avail neither have resolved this after receiving my documents. Which is why I'm attaching this complaint as told by the credit bureas

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested supporting documentation for 3 accounts marked as collections on my credit report. Each time the companies have responded as verified as accurate with no contracts and signature as proof and no method of verification provided. The most recent response from XXXX was marked verified as accurate and has different dates from the original verified as accurate response. Equifax also states the information is verified as accurate with completely different dates from the XXXX report and no supporting documentation. They should not be both reporting that the debt is accurate if the information presented does not match for both companies. 
The accounts could not be verified and I exercised my legal rights and requested they be removed to no avail. I have requested over 3 times that these accounts be deleted from the Equifax and XXXX reports due to erroneous reporting and avoidance of legal codes as required Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 
Dates of letters written to both XXXX and Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am a XXXX XXXX  and have served my community during COVID pandemic and have been a healthcare worker for over 15 years ; my credit is suffering. I am suffering. I am limited to funding for my endeavors for my mobile clinic due to this reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
On XX/XX/2023, Rushmore Loan Management Servicing LLC was paid for the months of XXXX, XXXX, XXXX, and XX/XX/2023 Mortgage payments with the grant of {$12000.00} ( Maryland Homeowner 's Assistance Fund ). The XX/XX/2023 mortgage statement indicated the amount total amount due was {$11000.00}, which includes {$260.00} late fees. The Maryland HAF grant of {$12000.00} paid for the past due mortgages for XXXX, XXXX, and XX/XX/2023 including late fees, as well as paid in advance XX/XX/2023 mortgage payment. ( RLMS Loan # XXXX ) On XX/XX/2023, the loan was transferred to new servicing XXXX XXXX XXXX XXXX Rushmore Servicing with new loan XXXX XXXX. The new XXXX XXXX is charging additional late fees totally {$340.00}, which were already collected prior to transferring the loan, but were not adjusted /credited by the prior servicing. The new loan setup documented transaction history indicates that the escrow balance of {$9100.00} was sent as transaction no. 11 and the surplus collected last fees was sent as transaction 12 in the amount of {$340.00}. The prior servicing told me that the surplus of {$540.00} was being sent with the escrow balance for the new servicer to make the adjustment ( {$12000.00} minus XXXX = {$540.00} surplus ). The escrow analysis has been completed and they are refunding me {$150.00} ; however, they are still not acknowledging the the former loan servicer transferred the {$340.00} late fees paid. Also note that they are illegally assessing a late fee for the month XX/XX/2023 mortgage which was paid and received in advance in XX/XX/2023. The grace period on my loan for late fee is after the XXXX of the month. XXXX was received prior to the month of XXXX and prior to the grace period deadline ; however, both the Rushmore Servicing will not make the adjustment to my account. The entire late fees for XXXX, XXXX and XX/XX/2023 were paid with the signed agreement between Maryland Homeowner 's Assistant Fund and Rushmore Loan Management Servcing LLC. The new Rushmore Servicing has employeed the former employees of prior servicing has been provided all of the document sent via at mailed XXXX XXXX XXXX, XXXX, TX XXXX. I am dealing with the same employees in the dispute department because the former and new servicing are the same personnel who will not take action to correct the late fees charges on my mortgage loan. I am current on my mortgage and the next payment due is XX/XX/2023, with the grace period for late fee applied by the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX, XXXX & TRANSUNION IS IN VIOLATION OF INVESTIGATING A DISPUTE I requested to be investigated by mail. They claim someone else sent the letter so I am providing proof of identity or the third time. I demand XXXX, XXXX and transunion to investigate the disputes that were submitted by mail. I received a stall letter from your company and demand you continue to investigate my dispute or you will be further in violation. I have submitted all Documents already via mail. I am uploading them again for proof of identity. Please resolve this matter ASAP or a lawsuit will commence 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
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX, EQUIFAX XXXX XXXX IS IN VIOLATION OF INVESTIGATING A DISPUTE I requested to be investigated by mail. They claim someone else sent the letter so I am providing proof of identity or the third time. I demand XXXX, equifax and XXXX to investigate the disputes that were submitted by mail. I received a stall letter from your company and demand you continue to investigate my dispute or you will be further in violation. I have submitted all Documents already via mail. I am uploading them again for proof of identity. Please resolve this matter ASAP or a lawsuit will commence immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: TN

Complaint narrative:
I am a victim of identity theft. I filed a FTC report and police report and submitted them with disputes with the credit agencies. These disputes were not processed correctly and I am not getting copies of the verification process

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 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an electronic communication from the US Department of Education, informing me that my student loans have been forgiven in full by the Biden-Harris Administration . This forgiveness is effective as of XX/XX/XXXX. 

This communication contains the following statement : If applicable, well process a refund for any payments made towards the loans listed above after the effective date of this forgiveness. 

My student loans servicer is Aidvantage. 

My student loans were enrolled in automatic payments with Aidvantage. As such, I continued making automatic payments towards my student loans, uninterrupted, until XX/XX/XXXX. 

My student loans account with Aidvantage shows a number of Payment Reversals which were applied to my student loans accounts between XX/XX/XXXX and XX/XX/XXXX. 

The total amount of these Payment Reversals is : USD {$3100.00}.

I have been trying to contact Aidvantage for the purpose of learning the meaning and status of these Payment Reversals. To my understanding, I am entitled to a refund in the amount of USD {$3100.00}. 

I have been unable to reach Aidvantage at their Customer Service phone number. 
They do not answer their phones. 

On XX/XX/XXXX, I contacted Aidvantage Customer Service via email, inquiring about the status of my Payment Reversals and the status of my student loans refund, if any is applicable. 

As of today, XX/XX/XXXX, I have not received an answer to my email inquiry. 

Also as of today, XX/XX/XXXX, I have not received a refund from Aidvantage. 

Attachments : - Printout of Aidvantage student loans account payments history, showing payment reversals applied as a result of the Biden-Harris Administration student loans forgiveness. 
- PDF printout of Aidvantage 's email acknowledgment of receipt of my written email about the status of my Payment Reversals and Refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: AZ

Complaint narrative:
Please help with this important matter. Another fraudulent inquiry was alerted to my cell phone. I am not liable for this inquiry please remove as soon as possible. 
XXXX XXXX XXXX XXXX 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 2023-10-04 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 requested information regarding potential mortgage products from XXXX XXXXXXXX XXXX XXXX. I was contacted by multiple staff from XXXX. I never at any point authorized any member of XXXX XXXX XXXX XXXX to perform a hard pull on my credit. I explicitly advised the lady who called me that I had already been contacted and was already told that XXXX could not help me at this time. I told her I didnt want any hard inquiries on my report. She still ran my report anyway and now I have fraudulent hard inquiries on my report. I have contact the bureaus : Experian, XXXX and XXXX and they refuse to even investigate this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: Cascade CISS Holdings, LLC
State: TX

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 The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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. ( a ) 5 ) Section States : no consumer reporting agency may make any consume report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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. 


Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUSXXXX XXXX XXXXXXXX XXXX XACTUSXXXX XXXXXXXX XXXX XXXX XACTUSXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: AMERICAN EXPRESS COMPANY
State: TX

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 The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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. ( a ) 5 ) Section States : no consumer reporting agency may make any consume report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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. 


Delete the accounts below XXXX XXXX XX/XX/XXXX XXXX AMEX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AMEX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief