vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 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: CA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information The following accounts : XXXX XXXX XXXX installment loan The Following XXXX Inquiries - XXXX XXXX XXXX XXXX The following XXXX Inquiries XXXX XXXX XX/XX/2024 the Following Transunion inquiries XXXX CREDIT XXXX XXXX XXXX Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX ENCLOSURES : - Identity Theft Report - Proof of identity : - Copy of Credit Report - Fair Credit Reporting Act Section 605B

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 2024-04-13 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: CA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information The following accounts : XXXX XXXX XXXX installment loan The Following XXXX Inquiries - XXXX XXXX XXXX XXXX The following Equifax Inquiries XXXX XXXX XX/XX/2024 the Following XXXX inquiries XXXX CREDIT XXXX XXXX XXXX Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX ENCLOSURES : - Identity Theft Report - Proof of identity : - Copy of Credit Report - Fair Credit Reporting Act Section 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
exxon mobil card through citi-bank is raising APR to 34.24 interest, they are also doing it on the Shell oil card. This is a rediculous amount of interest, They are adding to the inflation problem in this country.

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 2024-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
The company modified my loan. Received the paperwork. Then told me they never received my second paperwork to modify the loan when there was never any communication about second paperwork they sent me an email stating they had received it and that it was good to go and approved. Now all of a sudden they say I am in foreclosure and they didnt receive my paperwork I documented and tracked everything. It was received on time and no other correspondence was intimated on their end. Now the HAF program has stepped in and they are not communicating with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX account is not mine this account is fraudulent.

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 2024-04-13 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX account is not mine this account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX account is not mine this account is fraudulent.

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 2024-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
I have been paying back my student loans of XXXX since XXXX after graduating college. I have not missed a payment, even with temporary XXXX down during covid XXXX. My loans went down from the XXXX at the time to XXXX, now as of XX/XX/XXXX I have {$620.00} in accrued interest, bringing me back up to almost XXXX. The interest rate is XXXX which is lower than most places, but Im never going to be able to pay off my student loans if Im accruing hundreds a month in interest, despite never missing a payment, and sometimes paying more than owed when I can.

I applied for a repayment plan to assist me in paying off my loans and I have been given three different price quotes and told to reapply twice. I dont understand how my debt is growing so fast and why I cant get an accurate repayment plan payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America Visa. Charged interest on XX/XX/12 for {$180.00} the same day a full payment of {$10000.00} was received. On statement of charges show payment applied 1st and then after interest. I called to dispute interest charge and they deny removing charges.

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 2024-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I paid my Home Depot credit card on XX/XX/24, in the amount of {$220.00}. The minimum was {$210.00}, and it was due by XX/XX/24. I am now being charged late fees, and my card is now listed as over the limit because they claim I did not make a payment at all. 

I successfully completed the payment process, authorized the payment to be processed, got the " thank you for your payment screen '' but they claim I never made the payment and am now overdrawn. The XXXXbased call center employee said it could be due to a processing error on their end, but how is that my problem? I made the payment, but I'm being punished because their equipment is shoddy/inefficient? It doesn't work like that for anyone else, so why are they allowed to operate like that? 

This is not the first time Home Depot/Citi have played games with my account or payment - one other time last year they forced me to make two payments because the first one didn't go through on their end. They also frequently change my APR - I have never once been charged the same interest rate- it's as if they spin a wheel and whatever number it lands on is what I get charged. This company is reckless and irresponsible with its customer 's financial information. 

I am sick and tired of their lack of accountability and the financial strain they're putting on their customers as a result.

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 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
The USBank Reserve Credit Card offers 3x Rewards points on all purchases made through mobile wallet payment method XXXX XXXX However, since XX/XX/2024, cardholders have only been receiving 1x Rewards points for such transactions. This issue has resulted in the loss of thousands of points. Despite promises to address and resolve this issue, it remains unresolved.

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 2024-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: TX

Complaint narrative:
The are placing and removing the collection on my account to damage my score the are also continuing to raise the amount of the collections. The collections was placed on my account last year in 2023 on the date of XXXX XXXX they then proceeded to contact me and harassing me to pay the collections off or the would continue to place and remove from my credit to damage my score the collections was removed from all of my credit profiles and only placed back on my XXXX. This was removed on the date of XXXX they XXXX they the. Proceeded to place the collections back on my XXXX credit report on XXXX and they have been raising it ever since the are damage my report over and over again and they only have it on XXXX XXXX is not matching up and the continue to harass me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2024 I made multiple ATM withdrawals from the XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX When I tried to make my fourth withdrawal of {$400.00} the machine did not disperse any money, nor was there any error code on the screen. I immediately let the cashier know about the issue and he assured me it's an issue they have been having and the ATM company was just there that morning working on it. He told me there's nothing he could do and my bank would know to return the funds since I didn't receive any money. After waiting quite some time for the money to be returned I contacted Chime bank to dispute the charge. It's already quite an inconvenience that you can only speak with them over the phone, no email or chat option available. I have a toddler and I'm currently XXXX XXXX XXXX so it's not so easy for me to get on the phone for long periods of time to speak with a bank. I filed a dispute with Chime and they assured me that they would take care of the issue and I'd receive a temporary credit by the XXXX of XXXX. On XXXX  XX/XX/XXXX I received an email stating my dispute was denied and that I'd have to call them for more information or to fight the denied dispute. Again more of an inconvenience for me. I can not spend all day long on the phone with these people just to get my money back that I never received. I submitted a copy of the atm receipt along with my dispute so there's no reason they shouldn't be able to see that the ATM had {$400.00} unaccounted for from that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots ( which are included inside of this complaint ) on dates of XX/XX/24. Please investigate and provide proof with statements showing that these payments were late if proof can not be provided I demanded that these payments be updated to paid on time as they should be. Thank you for your time, Please refer to screenshot included :

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 2024-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
On XX/XX/2024 I traded in an XXXX financed with XXXX  XXXX  to a Nissan dealership in XXXX Texas. The dealership agreed to payoff the rest of the amount owed to XXXX, while we agreed to finance a new car with them. They did not send the money to XXXX until XXXX XXXX. Due to the money being sent 39 days after the agreement, our lease with XXXX  was considered delinquent due to missed payment and my credit score dropped XXXX points. I had to ask more than three times if the money was sent before getting a tracking number of a money order that was sent XX/XX/XXXX. 

Nissan also sold the car with one of the main selling points being a certified XXXX mile warranty on the car, this required yet another visit in person to obtain as phone calls and emails were not being answered, I even had to deny being told that I did not purchase this, as I told them the warranty was already certified prior, as the sales rep repeatedly stated the day of purchase. After the financier called the service department, service stated that yes, the car had been certified for a XXXX mile warranty before the purchase, which resulted in me being a handed the warranty packet minutes later. 

At the end of it, I went into this deal with a XXXX credit score that is currently XXXX, due to the late payment with XXXX, this was our one and only late payment on the lease. The dealership advised me to open a dispute with XXXX to correct the score, XXXX dismissed the dispute due to late payment and credit score remains XXXX. I would like my credit reinstated. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
To whom it may concern. 
My Name is XXXX XXXX. I got Fraud and Identity theft from company name Credence Resource Management ( debt Collector agency ) who claim I owed money from cable company call XXXX XXXX. I never know or heard about XXXX XXXX XXXX. I check the company does not even available in where I Live. I have been with XXXX for 20 years. how can I have 2 cable company in one house? Credence Resource Management ruin my credit by reporting to XXXX Credit Bureau. 
I contacted XXXX by phone and mail police report but no action from them. its been 6 months. PLEASE, PLEASE. CFBP help me. I've been working hard to keep my credit excellent. its really unfair this company destroy my life for no reason. please help me CFBP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
CAINE & WEINER {$930.00} past due as of XXXX XXXX. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V.Gravens ( MO ) 281 SW 715.719.

I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist pursuant to 18 USC 8, L owe no debt.

This company is violating my consumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
I am deeply dismayed by the situation at hand. Despite having diligently fulfilled my mortgage obligations through conventional means, without any involvement of foreclosure proceedings, I find it exceedingly frustrating to encounter erroneous remarks suggesting otherwise. I possess verifiable documentation attesting to the full settlement of my payment to Dovenmule. 

The presence of foreclosure-related comments on my credit report is not only inaccurate but also poses substantial challenges for me. As such, I insist on their immediate removal to accurately reflect the true status of my loan. It is imperative that Dovenmule rectify this matter promptly and ensure the integrity of my credit history is upheld without further delay. 

The verbiage on the status of this account is incorrect and improper, I NEVER experienced foreclosure proceeding and the credit bureaus should update and correct this matter. I have all documentation to fix and verify full payment of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The Bank ( Capital One, NA ) has been using a significant low APY relative to the market rate I signed up for when I initially opened the account. According to the Bank they adjust their savings accounts structure and customers I had to proactively call them to sign up for the new structure since it was not automatically adjusted. I do not have a record of the Bank providing me with any correspondence to sign up for this newly adjusted account structure. The APY they have been using is 0.30 % compared to the market rate that has been 4 % +. I noticed this when I compared my savings account at this bank and another bank for my year end taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: North Shore Equities, Inc.
State: NY

Complaint narrative:
hi i am requesting a copy of my retail installment contract including all documents signed the date of transaction, to see if repossession was lawful and legal thanks i need the itemization of the amount financed, on XXXX ; XXXX XXXX  XX/XX/11 i called the bank and asked and was hung up on 2 times due to the fact the XXXX who answered the phone didn't like what i said when i have a legal right to this information to please stop being stupid and send me my proper paperwork, OR if i never received the itemization of the amount financed i believe that would make the transaction default and none compliance with the TRUTH IN LEND ACT thanks please don't be stupid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: LA

Complaint narrative:
The account is with Conns. The account was opened in XXXX NOT XXXX. They reported that the account was open ed in XXXX. I have disputed it numerous times and XXXX refuses to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was checking my online mortgage dashboard at Well Fargo while trying to figure out how to pay it off sooner. I clicked on a button that said " View Sales of Your Home '' and was informed that my home had been sold in XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180000.00} I have not sold my home to anyone and Wells Fargo assures me that my home has not been sold. 

that being said the website still says that I did. I have tried to resolve this with Wells Fargo and they act like I am crazy and there is no such web page .... or that they can't find it which is just ridiculous. It's their job to know how their websites or contracted websites work.

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 2024-04-13 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: NH

Complaint narrative:
disputed late payment on a credit card that was not my fault and provided proof. they did not take that off my credit report

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