vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-05-29 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I attempt to use the remaining balance of this card on XXXX ( using {$0.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

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 2024-05-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
According to FCRA 605B, we need to eliminate any incorrect accounts from my credit report. Can you please verify the documents? Some accounts listed have errors in the reporting, amounts, and dates.

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 2024-05-29 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: NY

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report. 

Please see the attached 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 2024-05-29 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: TX

Complaint narrative:
DEAR EQUIFAX I GOT UP ON MONDAY MORNING AND PULLED MY CREDIT REPORT I REALIZED I HAVE BECOME A VICTIM OF FRAUD/IDENTITY THEFT A CRIME PLEASE HELP ME TO REMOVE AND DELETE THESE FRAUDULENT ACCOUNTS FROM MY XXXX CREDIT REPORT.FIRST PROGRESS CARD IS A FRAUDULENT CREDIT CARD OPENED XX/XX/XXXX, ANOTHER LOAN XXXX XXXX XXXX  OPENED XXXX XX/XX/XXXX, ALSO ANOTHER LOAN XXXX XXXX OPNED ON XXXX XXXX XXXX, ALSO A FRAUDULENT COLLECTION XXXX XXXX XXXX OPENED ON XX/XX/XXXX, ALSO ANOTHER COLLECTION XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX HELP TO REMOVE THESE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase had given me on my account XXXX dollars on XX/XX/year>. I didn't report this to chase because I believed it was the XXXX rental company giving me my deposit back for the rental I just returned that day which cost XXXX dollars plus a XXXX dollar holding fee. I rented longer than I expected so I was surprised when the money was in my account. However, I didn't notice until today that the money was never posted to my account. I woke up today and there was XXXX dollars missing out of my account. I looked and realized that the XXXX dollars was never in my account like it had been seen on XX/XX/XXXX so I was using money that I didn't know I didn't have because chase was showing me that I did have those funds and even sent me email alerts showing my account still in the positive after every use so the system itself registered the money as being in my account ; hence, why the overdraft protection never stopped my card even though it should have. I tried explaining this to chase but to no avail and no one knows why or how the XXXX dollars appeared in my account. They took that XXXX from me for thier systems mistake and claimed that it was because I didn't report it despite me telling them I didn't know it wasn't XXXX giving me my money back until today when XXXX was taken out of my account on payday and I told them that for the past XXXX  days my account never reflected a negative balance either because it was still registering the money that appeared into my account. Thus amount was never posted on my statements or on thier side. I just wanted them to fix the problem and refund me the amount instead of making me pay for thier systems mistake. I have screenshots of every email alert they sent me with the amount showing I was in the positive depsite the money not being posted to my account. Either way I was guaranteed I was never going to be over drafted because I opted out of overdraft protection from the bank and got it to go into my savings. However, if the savings have no funds then the card is to decline any purchases from being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
Hello this account was originally with Advance America and the debt was originally XXXX XXXX and I set arraignments and paid the debt down to {$700.00}. When it came down to me paying I couldnt get a hold of the right dept to make the payment because advance financial had some internal departmental changes.After these changes, when I called to make my payments no one could locate the account and the next thing I know I get an email from Advance Financial saying they sold my account to XXXX XXXX XXXX for {$1000.00}. Fees was waived. I was making payments, before internal changes, faithfully and I paid original balance down to {$700.00}. I am disputing the balance Advance Financial sold off to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
A fraudulent charge in the amount of {$26.00} ( exitlag ) whatever that is, ( The rep would not tell me what that is ), and XXXX cents ( some " foreign fee '', see attachment ), ( That tells me it was a " foreigner '' who hacked my account ), was made on XX/XX/year> on my XXXX charge card and I knew nothing about it. I became aware only after going online to the website and seeing the charges listed XX/XX/year>. I called and spoke with a foreigner ( supposedly worked in fraud department ), and couldn't t understand her speaking for the most part.I told her I " WAS NOT '' gon na pay those charges as they are fraudulent and in XXXX consumers don't have to pay for purchases he/she did not make ... .I also told her I will be filing identity theft reports with FTC, XXXX and other entities as well. Online hackers should be found and put in prison for a long time ....

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 2024-05-29 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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have received a letter from Mr. Cooper claiming I did not purchase home insurance. I purchased my insurance in XXXX and the payment needs to come out of my escrow. My insurance company has yet to be paid even though I sent them proof of insurance. 

Mr. Cooper has tons of phone numbers on their letters/website/statements but NO LIVE PERSON will ever answer the phone. They are trying to force me to pay for ANOTHER insurance policy claiming I don't have XXXX which is untrue. 

I also tried chatting with them online but you can do it because there is nowhere in the chat session to actually type information. Its like they are purposely not wanting to speak to any of their customers. 

Its not o.k. that I can't speak to a live person at my mortgage company. I have heard horrible things about this company and I know there have been class action lawsuits as well. My mortgage was sold to them by XXXX XXXX so I am stuck with them for now. 

I want to know why they refuse to speak to me on phone or chat and what your agency can do to force them to allow their customers access to LIVE PEOPLE In the XXXX years I have owned various homes I have never experienced such a stressful and unprofessional situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It is unacceptable to check my credit report and find all these violations. 

Remove all fraudulent and inaccurate account from my credit report. 
Block any information resulting from identity theft, as required by FCRA. 

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).

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 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Delete these inquiries. I have no knowledge of them, and the company acted without informing me.

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 2024-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
Our mortgage company, Shellpoint Mortgage, has wrongly placed force-placed flood insurance on our condo. Our building 's HOA provides flood insurance as part of our monthly fee, and we have continuously provided Shellpoint with proof of this coverage since first being requested in XXXX. 

Despite our repeated effortsincluding numerous calls and written correspondence on the following dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XXXX has continued to charge us for the redundant flood insurance. This has led to the depletion of our escrow account, resulting in a letter informing us that our mortgage payment will increase by {$1000.00}. 

To date, the only response we have received from Shellpoint is an acknowledgment that they are investigating the issue. We have never had a lapse in flood insurance coverage and have documented proof of continuous coverage. Despite our continuous calls and letters, Shellpoint has persisted in charging us for flood insurance that we already have, causing our payments to increase starting in XX/XX/year>. 

Documentation of such provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: OH

Complaint narrative:
I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. I have recently reviewed my credit report from Experian and XXXX, and I noticed several credit inquiries listed that I did not authorize. These inquiries have negatively impacted my credit score, and I am concerned about the potential for identity theft or fraud. 

The unauthorized inquiries were made on XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX XXXX  I did not initiate these inquiries and I have no knowledge of the entities listed. 

I have already contacted the credit bureaus to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report promptly. 


I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

Sincerely,

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 2024-05-29 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: PA

Complaint narrative:
I believe FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you review the documents? Several accounts have inaccuracies regarding the reporting, amounts, and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

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 2024-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I financed a vehicle with Hyundai Motor Finance on XXXX XXXX and XXXX XXXX XXXX 

On XX/XX/2024. I owed {$8400.00}. I paid {$9000.00}. I wanted to cover all interest that accrued daily. 

I have requested a refund of the amount overpaid for over a month and my title. 
Hyundai Motor Finance refuses to issue my refund or my title. This is illegal. 
Please advise. I am ready to file suit against this 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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2024-05-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2024-05-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into 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 2024-05-29 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: TX

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with explanation