vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc.
State: DE

Complaint narrative:
Urgent Assistance Required : Missing Mortgage Payment Transfer Discrepancy I am writing to formally escalate an ongoing issue regarding a missing mortgage payment during the transfer of my loan from Dovenmuehle to XXXX XXXX in XXXX. 

Payment History Issue : I made my XX/XX/year> mortgage payment to XXXX as reflected in my attached XXXX statement, which indicated I owed {$1.00}. 
I was informed by XXXX that my payment of {$1500.00} for XXXX was in a fund that was holding my bankruptcy payments and was to be applied as agreed. 

Discrepancy in Account Status : Upon transferring my loan to XXXX XXXX, I discovered my account reflects a delinquency status despite making all payments to them since XXXX. 
XXXX XXXX representative XXXX confirmed the XXXX payment of {$1500.00} was not transferred from XXXX and has been researching the matter without resolution. 
Attached Supporting Documentation : My XXXX mortgage statement showing the payment details. 
A copy of my prior email correspondence, which has not been addressed. 
Request for Resolution : Locate the missing payment of {$1500.00} and ensure it is properly applied to my account. 
Provide written confirmation of the resolution, including a corrected account status reflecting no delinquency. 
Investigate and explain the breakdown in communication during the loan transfer process. 
This situation has caused undue stress and potential credit impact. I kindly request your immediate attention to resolve this matter within 10 business days. 

I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: SC

Complaint narrative:
I noticed several unauthorized inquiries on my credit report that I would like removed. 
According to the FCRA these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-23 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, this company has violated my rights. 
15 USC Section 1681 Section 602 states that I have the right to privacy.

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

15 USC 1666B states ; A creditor can not consider a payment late unless they have reasonable procedures to ensure that the periodic statement is mailed or delivered to the consumer at least 21 days before the due date. 

This company has failed to provide verification that l was late : XXXX XXXX XXXX XXXX  XXXX I was never late on this account. 

XXXX XXXX I was never late on this account. 

XXXX XXXX I was never late on this account. 
2 bureaus says I was on time and 1 is reporting inaccurate information which is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
It happened on XX/XX/2024 with XXXXXXXX and XXXX for {$73.00} I show them proof they denied my dispute for no reason the bank name is Chime Financial , Inc. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last XXXX SSN : XXXX Dear CFPB Name Collection Company : XXXX, XXXX XXXX ID : XXXX Account number for the debt : XXXX Balance : {$5700.00} Date Open : XX/XX/XXXX Dear Sir or Madam, This account was deleted from the Experian CRAs and was re-opened without notice, I was not notified 5 days before, I attach proof of this, it is a direct violation of the FDCPA, and I am willing to sue and obtain punitive damages, it is your last chance to delete the account before I take legal action, you have no jurisdiction to collect debts in Texas and you re-opened this account without notifying me and still maintaining false misleading information and abusing my consumer rights, delete this account or I will escalate this problem to court With NMLS number XXXX, they do not have jurisdiction or legal permission to collect this debt in Texas. I am attaching evidence directly from NMLS.

it is violating 15 U.S. Code 1692g, this law requires the collection company to have a legal license to collect in the state where the debtor resides, IT DOES NOT HAVE A LEGAL LICENSE OR PERMIT IN TEXAS 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 explanation
Consumer complaint received 2024-11-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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.

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 2024-11-23 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: NJ

Complaint narrative:
I applied for a credit card in notice several accounts that were opened in my name, i do not recognize.

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 2024-11-23 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 noticed several unauthorized inquiries on my credit report that I would like removed. 
According to the FCRA these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
The consumer is in violations of my consumer rights. 
under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.

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 2024-11-24 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I have noticed for a while that the statement is not refelcting the correct balances. I reviewed and calculated the following charges. 
NORMAL STATEMENT CALCULATION WOULD BE : PREVOUS STATEMENT BALANCE {$2500.00} PLUS INTEREST ACCUMULATED {$62.00} MINUS XXXXAYMT {$170.00} WHAT STMT BAL SHOULD BE {$2400.00} CURRENT STATMENT BALANCE {$2500.00} DIFFERANCE TO THEIR BENEFIT {$23.00} XXXX recognized this when entering into XXXX. Thier statements are not complete and hard to understand. To me they are misleading. 

I have provied my XXXX & XX/XX/year> statements as proof. This is not about not understanding the statement. When you look at them they should be easy to read, they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: PA

Complaint narrative:
I logged into my credit report and i saw couple report that am not aware about. 
-- 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 explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Mezu, Inc
State: CA

Complaint narrative:
On XX/XX/year> I received an email from XXXX stating the following " Dear XXXX, After careful review of your appeal request, the compliance and security teams have decided not to approve your request to activate an account at this time. To ensure that our service remains secure, this decision was based on parameters that we can not discuss. If your account retains a balance, we will mail you a refund check to the address on your profile within 130 days. 

We appreciate your interest in our service and apologize for any inconvenience this may have caused. 

Best regards, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX '' Today is the XXXX XXXX XXXX  135 days from when I received that email, and I have yet to receive my remaining balance that was in my account, nor have I been able to communicate with someone from there about it.

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 2024-11-24 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: MS

Complaint narrative:
Consumer requested verification of a number of inquiry items in question that is reporting to Equifax on consumers credit report. Consumer is lead to believe that Equifax not not thoroughly investigate and verify all items in question on consumers previous complaint. The evidence of this assumption stems from the fact that no one in the world would give a non affiliate private third party debt collection entity such as XXXX XXXX XXXX XXXX  permission to access ones consumer report. I asked Equifax to provide consumer with the evidence that gave these entities permission to access consumers credit report. Inquires in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please provide verifiable proof to consumer that consumer gave permission to these entities to access consumers report. In Equifax initial response, they only stated that the companies inquiry was factual and for me to contact the entities directly regarding the inquiries when it is the burden of the reporting company to make sure that every step and procedures taken to ensure the security and privacy of the consumers report. Equifax have not provided consumer with any factual proof from either entity but expects consumer to accept here say from them without verifiable evidence for the consumer to inspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: SD

Complaint narrative:
The establishment is not protecting my account. This is the third time someone tapped into my account and stole my money. The timing is so precise.I 'm beginning to think that is someone at the establishment that's doing it. This causes me to not be able to pay my bills It also incurs late 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 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
my account is close by citibank i called them and said iam getting a letterbin my mail past 2 weeks i havent have any mail grim them! i called the citibank last 2 weeks ago and talked to customer service and they said the checks on the way after 1 week and half i called them again that i havent recieved any check in my mail, and they said it is the check or my fund is under review. 
Now i need my money since they closed it and block all the online account and even when i went inside the bank and asked for help all they said is they cant help me and gave me a number to call which by the way i kept going in circles here. I have bills to pay and i need my money ASAP! They havent responded since XXXX, XXXX. 
i need help here! Citibank is with holding my money for what reasons.??? this is rediculous!

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 2024-11-23 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: AL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: AL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
Lakeview paid my city property taxes through my escrow into the wrong account. I called them and they told me they would handle the situation. The day they were due they told me the attorney was still working on but that I would be ok. I just got hit with huge penalty and several interests fee, and still am being told by the city of XXXX that I owe the original amount.

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 2024-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally dispute a fraudulent account that has been reported under my name with Capital One Auto Finance. This account is neither authorized by me nor opened with my knowledge. Furthermore, despite my repeated requests, you have failed to provide the original documentation proving that I opened or authorized this account. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request and receive verification of any accounts reported in my name. Your inability or unwillingness to provide this evidence raises serious concerns about the legitimacy of this account. 
To resolve this matter, I request the following : 1. Immediate removal of this account from my credit report. 
XXXX. A detailed investigation into the origin of this fraudulent account. 
XXXX. Copies of all original documentation, including signed agreements and applications, associated with the account. 

Please note that failure to respond adequately to this dispute may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney generals office. I also reserve the right to pursue legal action to protect my credit and financial standing. 

I have enclosed copies of [ any supporting documents, such as your ID, police report, or prior correspondence ] to assist in your investigation. This letter serves as formal notice of my dispute, and I expect your response within 30 days, as required by law.

Company response to consumer: Closed with explanation