vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
My Flagstar mortgage payment has been scheduled on autopay directly from my bank for 4 years with a perfect payment record. Recently, the mortgage company updated their website and deleted my autopay without informing me for 40 days. Once I was informed, I immediately made the payment in full. I have contacted them both in writing and by phone. They will not admit responsibly. They then submitted a 30 day delinquency to the credit bureaus.

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. Per 15 USC 1681s-2A1 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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX Acct 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 2024-09-16 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment resulted from a misunderstanding regarding the payment due date, which was incorrectly communicated to me by XXXX  XXXX. I made the payment on time according to the information I had, but due to this miscommunication, the payment was recorded as late. This does not accurately reflect my payment behavior, and the late payment mark should be removed. 
Evidence Provided : Bank statements showing the payment was made according to the information provided. 
Correspondence from XXXX  XXXX acknowledging the communication error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-16 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: TX

Complaint narrative:
As I was in review of my credit report I came across some hard inquiries that are not mine.

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 2024-09-16 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: GA

Complaint narrative:
Subject : Complaint Regarding Student Loan Reporting Issues Dear CFPB, I am writing to file a formal complaint concerning issues with the reporting and management of my student loans. My concerns include inaccurate reporting of payment history, improper handling of account statuses, and other discrepancies that have negatively impacted my credit report and financial stability. 

Issues to Address : Inaccurate Payment History : My student loan payment history contains errors that need to be corrected.

Improper Account Status : There are inaccuracies in the status of my student loan accounts that require rectification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX : Contacted the XXXX number on the back of the XXXX XXXX  to report the card lost. 

XX/XX/XXXX : Let them know that we have not received a new card and to close the account. 

XXXX XXXXXXXX : The card had a XXXX balance and they charged us with an annual fee for a credit card that we asked to close back in XXXX. We refused to pay the annual fee due to the fact that we did not have a card and again had asked to close the account multiple times. 

XXXX XXXX : Called XXXX  multiple times asking to speak with a supervisor with no answers. They DID NOT HELP US. We were speaking with call centers overseas. 

XX/XX/XXXX : They sent the account to collections, the {$90.00} annual fee turned into {$210.00} and I contracted the collection company and asked them to remove it. They did not and I paid them {$210.00} to remove off his credit report. This only removed what they reported and not what XXXX XXXX reported. 

XXXX XXXX : XXXX XXXX XXXX  and spoke with a XXXX several times. She has indicated they she has contract the appreciate department and they have not responded.

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 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
In XX/XX/XXXX, during the height of Covid 19, my then husband whom is now my ex husband left me and XXXX children with his credit card debt that I was unable to afford to pay. In XX/XX/XXXX, I had exhausted all financial resources and filed XXXX XXXX bankruptcy. I am a XXXX XXXX XXXX, and mother of XXXX children desperately seeking to rebuild my credit in hopes of purchasing a home. 

I am requesting to remove the following closed accounts on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; to improve my overall credit score. I am unable to qualify for a mortgage loan due to my credit score not my overall monthly income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: NY

Complaint narrative:
These are all hard inquiries that I did not authorize or have knowledge of 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 2024-09-16 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system I had set up with XXXX. Although the payment was scheduled and funds were available in my account, a technical issue caused the payment to be processed late. This delay was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statements showing the payment was scheduled on time. 
Correspondence from XXXX confirming the technical issue that led to the delay in processing.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-16 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: Shellpoint Partners, LLC
State: WI

Complaint narrative:
I sent letters to 2 addresses on XX/XX/XXXX and never received a response ( copy of letter attached ). I have also attached the tracking verifications from USPS. Also attached is a Sheriffs Sales listing that our home will be auctioned on XX/XX/XXXX. I have gone around and around with these people and the problems THEY have created. Foreclosure was started in XXXX of XXXX. Copies of checks they cashed with statements. Payments were set up for automatic transfer but somebody at Specialized Loan Service cancelled that agreement without out permission or knowledge back in XX/XX/XXXX. Three payments were deducted from out account... but then returned to the bank at a later date. As soon as I saw what happened, I sent a check. Can they legally change the payment plan without our permission or even letting us know? Nothing makes any sense at all about the payments. If they had been applied properly, I believe the Account would have been current in XXXX of XXXX when they started refusing my checks and started the Foreclosure process. Would THAT be legal? Payment break down from SLS was $ XXXX/Principal ; $ XXXXInterest and {$39.00} interest. The amount of Principal would have gone down MORE than {$12000.00}. When the balance was transferred from XXXX, it was {$78000.00} with {$3000.00} Escrow balance. The amount they say I owe is ridiculous. They have added THEIR attorney fees and thousands of dollars for unexplained charges. I applied twice for restructure. First to get time to get to the bottom of it ; 2nd when I was battling XXXX. Both denied. I also tried to send a large payment ( {$12000.00} ) and it was not accepted ( copy of letter attached ). I have also attached Escrow information. My bank will provide a spreadsheet which I'm sure would be easier ( I also offered that to them ) ..but I have to request it and pay $ XXXX/hr. Should I be reporting this to RESPA? Can you help?

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 2024-09-16 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:
These XXXX accounts and XXXX inquiries that are reporting negatively on my EXPERIAN credit report ( PLEASE SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )

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 2024-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: ND

Complaint narrative:
I have received several calls from " XXXX XXXX XXXX '' making various false statements and threats of action that can not legally be taken. They use different phone numbers when calling and a well rehearsed script to give the impression that they have or are about to file a lawsuit sue me. Statements were made that included the words " your case '' and " XXXX XXXX Process Server. '' I have confirmed that no court case has been filed against me in XXXX XXXX, North Dakota, nor is there any such entity as XXXX XXXX Process Server. It appears the company is attempting to obtain payment for an auto lease debt charged off by the original creditor in 2009. I have been given various reasons ( in different calls ) why the statute of limitations supposedly does not apply. The company does not send any written communication or disclose its physical address. When pressed for that information, they have hung up. The company utilizes www.dmslegalteam.com as its website and claims to be a law firm, but no attorney names are listed. Internet research reveals this company frequently engages in unlawful and abusive debt collection efforts. This appears to be scam operation that attempts to trick or scare unknowing people into believing there is an immediate threat of legal action unless the amount claimed due is paid immediately on the company 's website by credit or debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-16 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-16 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: NY

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2024-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have fallen victim of a job scam. 

" XXXX XXXX '', the Recruiting Manager of XXXX XXXX, sent me a personal email regarding a job application and asked if I was still interested in the position. By fault, of course, I said yes. She proceeded to send an email regarding the initial interview stages, which I completed. Days later, I was offered the job. I signed the job offer letter and she proceeded to connect me with my new supervisor, " XXXX ''. XXXX said there were some hiccups in the financial department at Think so he sent mobile checks for me to deposit into my checking account and use this money to pay vendors for office supplies and furniture. I sent XXXX wires, totally {$6100.00} to an account with XXXX XXXX. My bank, JP Morgan and Chase, put a hold on my account when I attempted a third wire. I spoke to a representative with Chase and they mentioned that my situation sounds like fraud and advised me to discontinue the transfer of funds to XXXX XXXX. 

That same afternoon ( XX/XX/year> ), I set up an in-person meeting with a Bank Clerk XXXX She said claims can not be made in a branch so she called the Chase Claims Department. I filed two separate claims, one for each wire transfer. She recommended not making claims for the fake checks because the checks needed to be processed through the checking department. Chase said there was nothing they could do to stop the checks nor return my wire transfers. The fake checks had not been endorsed and they were deposited immediately. I spoke to the bank clerk about why some checks are deposited immediately and others are held, and she said Chase doesn't have a system for how they handle good/bad checks. My husband, who also banks with Chase, oftentimes waits 7-10 days for employer checks to deposit. 


I have filed a complaint with the following agencies : Federal Trade Commission The Attorney General 's Office The Federal Bureau Investigations office

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently received a statement from Capital One for the credit card I have with them. The statement had {$100.00} of fees and {$10.00} of interest charges along with the {$100.00} of purchases I had made. The issue I have is that this was the first statement I received. When I contacted them I was told that my statements were sent electronically to my email. There are no statement in my email and I never asked for electronic statements, preferring hard copies and a filing cabinet. I have never asked for electronic statements from any place that I do business with. When I complained about the fees to Capital One they removed XXXX month 's fees ( {$40.00} ). I do not use credit cards and this one has not been used for several years. I used it because car rental companies demand a credit card, not accepting a debit card. I don't know how, why, when or who decided to switch my account to paperless but I am sure it wasn't me. The statement should have been mailed, it would have been paid promptly. The fees charged to me should be removed and the company should initiate a policy to send electronic and paper copies to fairly stagnant accounts and should stop switching accounts to paperless without written permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-16 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:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, IT'S HURTING MY ABILITY TO OBTAIN CREDIT.

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 2024-09-16 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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