vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX I shopped insurance and found a better price so I bought the new policy for a savings. My old policy was still in effect which renewed on XX/XX/XXXX and still in effect when I purchased new policy XX/XX/XXXX. On XX/XX/XXXX I cancelled my old policy for reasons of purchasing new policy at better price. I didn't realize there was a problem untill I made my XX/XX/XXXX payment of XXXX that my account was in escrow for lapse of insurance from XX/XX/XXXX till XX/XX/XXXX and owed XXXX not XXXX. I did not receive any letters to resolve this or would have. I have provided information to Rocket Mortgage from my old policy auto XXXX XXXX  when I cancelled my policy on XX/XX/XXXX and provided a copy of to them they also spoke to insurance agency. I then provided a copy of new policy which went into effect on XX/XX/XXXX so there never was a lapse in insurance coverage, but rocket mortgage is telling me I still owe escrow money XXXX or close to for escrow. They acknowledge that there was no lapse now but still say I owe escrow and aren't applying the XXXX payment as I'm short from a XXXX payment know set up by them with escrow which I should never had and didn't sign up for when I refinanced my mortgage.Now I'm not behind on taxes and current untill XX/XX/XXXX and my insurance is paid untill XX/XX/XXXX. why do I owe them money for escrow when I've complied with my original mortgage agreement, They also are charging late fees for my payments. I have spoke with rocket mortgage multiple times during XXXX to resolve and promised it would be taken care of only to receive g mail of late payments and I still owe escrow for XXXX, I call again same thing I have to explain this ordeal from start to finish and can not get them to explain why I owe escrow when I proved there was no lapse of coverage when they acknowledge that there was none I am told I still owe the XXXX close to for XX/XX/XXXX escrow. and my payments would be considered late I have tried to resolve this matter I don't want my credit to be damaged as I have never had any late payments on my credit. I

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone opened a credit card account without my knowledge. I reported it to capital one and they were able to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/2024, I saw Chase XXXX XXXX was running a promotion that before XX/XX/2024, if you book XXXX travel components, you will be rewarded with XXXX points and XXXX travel components will be rewarded with XXXX points. Since I need to travel to XXXX, so I took advantage of the offer. I enrolled immediately and went ahead and booked XXXX flight ( XXXX  to XXXX for XX/XX/XXXX ) and XXXX different hotel orders ( XXXX XXXX for XX/XX/XXXX, XX/XX/XXXX ), that qualified me for the XXXX travel component and XXXX points. I wanted to make sure I did enroll and also my bookings conform the terms, so I called Chase XXXX, the associated confirmed on the call that my booking qualifies the XXXX points and informed me that the reward points will be added to my account within XXXX billing cycle. After I came. back from my trip and XXXX cycles later in XXXX, I still did not see the points being added to my account, so I called Chase XXXX again, they confirmed again that my travel components were legit and they 'escalated " my case to upper leadership to add the points to my account, and asked me to wait for another billing cycle for the points to be reflected. One cycle later in XXXX, I still did not see the points being added, so I called again to confirm, the associate changed their response by saying I did not enroll in the offer, I was really shocked, because my prior confirmation with Chase XXXX has never revealed that I failed to enroll, and I questioned the person, the person then changed the response again by the points can't be added until the year end, and asked me to wait for next year to see the points being added. Then the associate told me that my case was 'escalated ' again to be addressed. Up until now, it's already end of year, and I still did not receive the points! I can't be more disappointed. Despite the number of times I called in and repeat the same information again and again, the responses and actual actions from Chase were minimal! I have been holding the XXXX XXXX card for over 5 years now, and can't be more shocked by how customer care is being handled so terribly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: VA

Complaint narrative:
Credit Card : US Bank XXXX XXXX XXXX in XXXX Account Holder Name : XXXX XXXX XXXX  Name : US Bank NA Date of Account XXXX : XX/XX/year> Annual Fee Charged : {$400.00} The bank closed my credit card account during XX/XX/year> without my request citing rewards program abuse after XXXXwo months of having an open credit card account. Despite the shortened usage, US Bank has so far refused to refund the annual fee. As the account is no longer active based on US Bank 's own actions, I believe this fee is unjustified. 

I promptly contacted US Bank to request a refund of the fee on XX/XX/year>. Despite attempts to resolve this matter directly with the bank, including phone calls, the annual fee has not been refunded. I was either redirected to different departments or provided vague comments that the person on the phone does not have the authority for such a matter. No resolution has been reached to date. 

I am seeking the CFPBs assistance in ensuring that US Bank refunds the annual fee of {$400.00} despite the account being closed after 2 months. This situation has caused unnecessary frustration and financial inconvenience, which I feel could have been avoided with proper handling by the bank. I trust the CFPB will investigate this matter thoroughly and assist in obtaining a fair resolution. 

Thank you for your attention to this complaint. I am happy to provide any additional information or documentation that may assist your investigation. 

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 explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc.
State: SC

Complaint narrative:
This is a charge off account I do not know. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account Name : kikoff XXXXXXXXXXXX XXXX XXXX XXXX XXXX  This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. its my understanding that Equifax will investigate this account for me to ensure accuaracy Here is the account I am asking to verify as accurate : XXXX XXXX  account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
They froze my account after I tried to send money to my daughter and son and i was trying to transfer my money to my bank account and they locked it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
FCRA Law protects from fraud my information was exposed in a data breach, also information put on my report without my permission.and according to the fair credit reporting act 15 USA 1681 iam promised accuracy in my report based on the federal law, and as I can see from the credit bureau system that they can not validate or verified the information that they put on my report without my permission. As a result, this derogatory information is hurting my credit.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: R.A.Rogers, Inc.
State: GA

Complaint narrative:
NOTICE TO CEASE AND DESIST ALL COLLECTION ACTIVITIES AND FALSE DEBT CLAIMS R.A. ROGERS INC DOES NOT HAVE A CONTRACT WITH XXXX XXXX. NO SECURITY AGREEMENT IN WHICH XXXX XXXX IS A DEBTOR or AGREED TO BE A DEBTOR This is aggrevated identity theft as I did not authorize the sharing of my nonpublic information with a non affiliated 3rd party There was never any debt that existed to begin with this trust agreement has been XXXX XXXX since the trust agreement was created. Your false claim for a debt not owed may lead to Defamation in the XXXX, irreparable harm. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. SEE ATTACHED UCC 9-210 REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NY

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer credit report. I do not recognize these accounts, collections, or inquiries. They were not opened, made, or initiated by me. All are the result of identity theft and fraud. 

I have attached the following documentation as evidence : FTC Identity Theft Report Number : XXXX A copy of my FICO credit report highlighting these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
The vehicle was damaged and towed due to auto collision. The company repossessed the vehicle from a tow lot and sold it. The wrote the vehicle off and got credit but never sent 1099C. In addition I had the vehicle 6 months and paid a total of XXXX at the time of repossion. The total price for the vehicle was {$23000.00} the company carried insurance to cover damages as well. They are reporting the balance as XXXX although they have been paid several times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, To my knowledge I only have 3 credit accounts. A card with XXXX  and 2 accounts with XXXX XXXX. I have been trying to build up my credit by always paying my cards on time. I have this account that was opened under my name that I have filed a dispute a few months back. This is a card I never opened and therefore dont intend on paying the pending balance. I dont know how my information got out there but its having a negative affect on my credit. My current report shows a XXXX drop regardless of the fact that I have been consistently reducing my balance on my other credit cards and paying them on time. Im doing everything in my control to build up my credit for it to be drastically decreased on a credit account I didnt open.

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 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: SC

Complaint narrative:
I am having lots of trouble repaying this loan back.I can not afford it more.I just want the calls and the contacts to stop please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Compliance Department XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Reporting and Request for Immediate Action Account # XXXX Dear Compliance Department, I am writing to formally dispute the reporting and handling of the referenced account, which appears to violate several provisions of the law. This account was charged off and, as such, no further charges or reporting should occur. 
Violations of Federal Law 1. 15 U.S. Code 1692 ( c ) : I have not granted XXXX XXXX XXXX or any associated entities permission to communicate with me via my credit report. Such reporting constitutes unauthorized communication. 
2. 15 U.S. Code 1692 ( c ) : I did not provide consent for XXXX XXXX XXXX to report or share my information with XXXX or any other third party. Without my explicit consent, this reporting is unlawful. 
3. 15 U.S. Code 1692 ( d ) ( 2 ) : The continued reporting of this account is causing undue harm to my reputation, resulting in credit denials, housing application rejections, and financial stress. Such conduct constitutes harassment. 
4. 15 U.S. Code 1601 : The continued reporting of this charged-off account violates federal guidelines and my consumer rights. 
Additional Context This account was charged off with a balance of {$1400.00} and was transferred to XXXX XXXX XXXX, as outlined in your correspondence. Despite the charge-off, your entity continues to report and potentially accrue charges on this account, which is unlawful and against established practices for charged-off debts. 
Request for IRS Form 1099-C Furthermore, as this account was charged off and treated as a loss by the original creditor, I request a copy of IRS Form 1099-C for the tax year XXXX. Charged-off amounts are considered taxable income, and I require this documentation to accurately file my tax return. 
Demands 1. Immediate Removal : Cease all reporting of this account to all 3 credit bureaus. 
2. Verification of Actions : Provide written confirmation that this account is no longer being reported or handled unlawfully. 
3. IRS Form 1099-C : Send the requested documentation to my address promptly. 
Failure to address these issues will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant authorities. 
I trust you will address this matter promptly and provide a written response within 15 business days of receipt of this letter. 
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 2024-12-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Compliance Department XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Reporting and Request for Immediate Action Account # XXXX Dear Compliance Department, I am writing to formally dispute the reporting and handling of the referenced account, which appears to violate several provisions of the law. This account was charged off and, as such, no further charges or reporting should occur. 
Violations of Federal Law 1. 15 U.S. Code 1692 ( c ) : I have not granted XXXX XXXX XXXX or any associated entities permission to communicate with me via my credit report. Such reporting constitutes unauthorized communication. 
2. 15 U.S. Code 1692 ( c ) : I did not provide consent for XXXX XXXX XXXX to report or share my information with XXXX or any other third party. Without my explicit consent, this reporting is unlawful. 
3. 15 U.S. Code 1692 ( d ) ( 2 ) : The continued reporting of this account is causing undue harm to my reputation, resulting in credit denials, housing application rejections, and financial stress. Such conduct constitutes harassment. 
4. 15 U.S. Code 1601 : The continued reporting of this charged-off account violates federal guidelines and my consumer rights. 
Additional Context This account was charged off with a balance of {$1400.00} and was transferred to XXXX XXXX XXXX, as outlined in your correspondence. Despite the charge-off, your entity continues to report and potentially accrue charges on this account, which is unlawful and against established practices for charged-off debts. 
Request for IRS Form 1099-C Furthermore, as this account was charged off and treated as a loss by the original creditor, I request a copy of IRS Form 1099-C for the tax year XXXX. Charged-off amounts are considered taxable income, and I require this documentation to accurately file my tax return. 
Demands 1. Immediate Removal : Cease all reporting of this account to all 3 credit bureaus. 
2. Verification of Actions : Provide written confirmation that this account is no longer being reported or handled unlawfully. 
3. IRS Form 1099-C : Send the requested documentation to my address promptly. 
Failure to address these issues will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant authorities. 
I trust you will address this matter promptly and provide a written response within 15 business days of receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant 15 USC 1681B 2. They also have no permission to report ANYTHING using my information pursuant to 15 USC 1681 2. This company ( RISE ) sold the debt to XXXX XXXX XXXX and RISE PAID THIS COMPANY ( XXXX XXXX XXXX ) FOR THIS DEDT WITHOUT PERMISSION. I had no knowledge of this. I do not owe this debt to RISE OR NATIONAL CREDIT ADJUSTMENT.

Company response to consumer: Closed with explanation