vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Dear Citibank Customer Service, I am writing to formally request the prompt refund of an overpayment I made on my Citibank credit card account ( account number ending in XXXX  ) in the amount of {$150.00}. I initially contacted Citibank on [ Date of Initial Request ] and requested that this amount be returned to me via check. However, to date, this request remains unfulfilled, and my account balance does not reflect any pending or processed refund for the overpayment. 
As a resident affected by Hurricane Helene, a federally declared natural disaster, I am entitled to certain protections under the Disaster Relief Act and related Consumer Financial Protection Bureau ( CFPB ) guidelines. The CFPB mandates that financial institutions expedite service requests related to account adjustments and payments, particularly for victims of federally declared natural disasters.

Under the Truth in Lending Act ( TILA ) and Regulation Z ( 1026.11 ), consumers who overpay their credit card accounts have the right to request a refund of any credit balance. TILA specifically mandates that credit balances be refunded within a reasonable timeframe once a request is made. Given
my circumstances as a victim of Hurricane Helene, a federally declared natural disaster, it is reasonable to expect that this refund request be expedited. 

Given the hardship caused by the hurricane and my current need for expedited processing, I respectfully urge Citibank to issue the refund of {$150.00} immediately via check. This amount is essential for my recovery and access to funds, and I request this be prioritized accordingly.

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 monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.

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 2024-10-30 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: IN

Complaint narrative:
Upon reviewing my credit report, I found several billing errors. The late payments do not reflect my usual payment behavior. Please fix these issues and update my account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX date ; XX/XX/year> Equifax, has once again violated my rights I am requesting these closed accounts to be removed Account name : XXXX XXXX XXXX XXXX date open XXXX account number XXXX, XXXX XXXX XXXX XXXX date opened XXXX account # XXXX, XXXX XXXX XXXX XXXX opened XXXX account number XXXX, XXXX XXXX XXXX XXXX opened XXXX XXXX # XXXX, and XXXX # XXXX, These accounts are also showing late payments which are actually illegal i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explain them to you that I was never late on any payments.. and have made a previous CFPB complaint to where you asked me to submit my social number.. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b XXXX fix an update your systems to reflect 100 % accurate information, which you are currently not doing. You have failed to fix a situation and neglect will be noted as exhibit in court. And I will be seeking professional representation of the small claims court if the matter is not solved today. For this is hindering me and I am seeking monetary relief

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XX/XX/XXXX, I discovered that Navy Federal Credit Union had listed an incorrect business name on my savings account, which prevented me from accessing my funds. On XX/XX/XXXX, XXXX XXXX emailed me about the account and I later received the check. I contacted XXXX XXXX multiple times, messaging through their customer support channels, and visiting the bank in person to resolve the issue, as I urgently need the funds ( {$2900.00} ) for food and basic necessities, given my current financial hardship and housing insecurity. XXXX XXXX informed me that I must wait XXXX  days to file a declaration of loss, despite the banks error causing the inaccessibility of my funds. This delay has created severe hardship as I am homeless and rely on these funds for survival. Additionally, XXXX XXXX only communicated about closing my account by mail, even though they have permission to contact me by phone, email, or text. They also were aware that I travel for work at that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I don't know what other government regulatory agency to file this complaint with as when I went to XXXX to try to file this complaint against Citibank it directed me to your website instead. I have been on the pre-screen opt out list for XXXX or XXXX years now and I even called that number again when I got the last Citibank solicitation ( as I get XXXX almost every week in the mail ), to make sure I was on the pre-screen opt-out list. Citibank handles credit cards for not only their own company but many others like Best Buy and XXXX XXXX. They are sending me solicitations for both of the aforementioned companies. They don't seem to care about this list and seem not to be worried about any fines that might be levied against them or legal action that may be taken against them as a result of them ignoring this list. If your agency can't do anything about it then I would like someone to email or call me and tell me what agency I can file a complaint with regarding such a 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 non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I just had my mortgage transferred to Shellpoint. When I got my XXXX  escrow analysis, I noticed my proposed payment would go up because there would be a shortage. When I checked their projections, I noticed they had my taxes being paid twice a year at the full amount instead of once a year ( in XX/XX/XXXX and XX/XX/XXXX ). This wouldn't make sense since my prior servicer paid my taxes in XXXX, so they would just need to pay my taxes once. In fairness, I'm not seeing then paying my taxes XXXX  on my account. But then, why is it showing as being paid twice on my escrow analysis? 

I called on XX/XX/XXXX, the representative confirmed the issue and filed a compliant on my behalf and that they would do a re-analysis. Since the re-analysis was supposed to take about a month, I called again on XX/XX/XXXX. The representative filed another complaint and acknowledged that it should have been handled already. They claimed they would have a new analysis within XXXX hours. I called after XXXX hours and they don't know what's happening with the escrow analysis and the new due date was XX/XX/XXXX, although I put in this request in XXXX. I told them that I would file a CFPB complaint at this point. Such a simple mistake shouldn't take XXXX  months to fix.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The inaccuracies on my credit report are significantly hindering my financial freedom. Each time I attempt to apply for new credit, my application is denied due to these persistent errors. Its deeply frustrating to feel as though my rights as a consumer are being overlooked.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX  XXXX  XXXX  Address : XXXX XXXX, MO XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX IL, XXXX Dear XXXX  XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not authorize these inquiries on my credit report, please remove them from my credit immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONEXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I did not authorize these inquiries on my credit report, please remove them from my credit immediately. 

XXXX XXXX  ALLY FINANCIAL ALLY FINANCIAL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I was entered into a Loan Modification Agreement. As part of this, I agreed to pay a Trial Balance for XXXX months. I overpaid the first month and was told by an agent on the phone that the extra funds would be placed in " suspense account '' and then used for the following month. I was told that come XXXX my balance due would be {$400.00} only rather than {$780.00} due to suspense balance. 

On a phone call with PPH, they indicated a balance of over {$600.00} indicating that money was not applied to previous trial balance payments. 

I have signed the loan modification but they have not given me any proof that I Have entered the program. 

I am concerned that I am not even enrolled. 

They told me that my title search came back with no issues... 

I have signed the agreement to make the modification and sent multiple times. 

please see attached screenshot ... the page shows that a past due payment was due on XXXX XXXX. There is ZERO information about the trail balance payments I have made and how those have been applied. I Have not way to know if I am in good standing, or if I Need to send more money? 

I made XXXX payments on XX/XX/XXXX and XXXX, this is attached as proof. The amount of these payments is enough to cover the first XXXX trial balance payments. 

the latest account balance shows that {$6200.00} is past due. How is this possible when I have been making the Trial Balance payments and exceeding the amount? 

I have attached the original modification letter and proof of my acceptance to this email for the review of the cfpb officer. 

I have attached screenshots to prove that I have sent the loan modification to PHH at least 4 times, and received an acknowledgement email. I have attached screenshot of this to show, one of them shows the signed document in the body of the email. the other one is an acceptance email. 

I am also attaching the early intervention letter that was sent today, that indicates to me that I am not in the modification program, that has triggered this complaint. 

I have also attached the original offer to modify my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) and pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit file. 
I respectfully request that you block and delete the following fraudulent account : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1100.00} Additionally, please delete the following unauthorized inquiries : XXXX. XXXX - Date of XXXX : XX/XX/XXXX XXXX. XXXX  - Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX  - Date of XXXX : XX/XX/XXXX XXXX. XXXX  - Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX XXXX - Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX - Date of XXXX : XX/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 2024-10-30 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: TX

Complaint narrative:
Im positive I pay on time, but I dont understand why Im being reported late for specific months. According to USC 1666b, billing errors should be corrected and reflect that I paid as agreed.

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 2024-10-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: CA

Complaint narrative:
This complaint is seperate from the grounds in my pending matter:XXXX. More than a month ago, I requested via DirectExress ' customer service number, a copy of the information on which they relied in denying my application for fund reimbursement. That money was the amount stolen by a criminal when DX allowed him to access my account numerous times without authentication of identity. DX website allows for request by a cardholder for that info. After repeated requests of them, DX responded by emailing me a routine monthly account of transactions made long after their denial and entirely unresponsive to my request. Lately, DX has suspended my accesss and use of my account XXXX times on the ridiculous grounds that my identity was not verified. My identity has been well known to them for years. DX has failed to respond to my repeated demands for compliance with my info request as well as for reinstating my access and use of my account suspended without notice or justification.

Company response to consumer: Closed with non-monetary relief