vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Ok, I called the Citi Credit Card on XX/XX/2023 and I was told that I owe {$2900.00}. I paid {$100.00}. and on XX/XX/2023, I made another {$1000.00}. I mentioned to the campany that their service has a lot of problem with my account. I asked that I am going to close my account that I can not continue like this. On XX/XX/XXXX I called again and I asked how much is left on my account and I again asked to close my account. I did pay the remaining amount, {$1900.00} and beg them to close my account. I was promised they did. Now, a year later, I am told that I owe {$200.00} after calling them. One of the supervisor told me that I don't owe any, but it is to my credit. Then, every other day, I got calls to make payment. I tried to explain that I don't have their credit card since I was told to discard it. No matter my explanation I am asked to pay that {$200.00} from XXXX XXXX. How is it possible I am promised that my account is closed and someone can still charge the credit card I already closed my account? I need you help in this matter. I can attach all the payment from my XXXX XXXX transactions to verify this. I thank you.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-05-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to complaint to XXXX XXXX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights

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 2024-05-01 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: GA

Complaint narrative:
I am writing to dispute late payments that appears on my credit report. The late payments listed on XX/XX/XXXX, and XX/XX/XXXX by XXXX XXXX. 

I believe this late payment is inaccurate. According to the Fair Credit Reporting Act, inaccurate information must be corrected or removed from my credit report. Therefore, I kindly request that you investigate this matter and remove the late payment from my credit report. 

Please provide me with confirmation of the resolution of this dispute. 

Thank you for your prompt attention to this matter. 

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
- On XX/XX/XXXX, I called Mr. Cooper to make my XXXX mortgage payment. 
- I was told by the representative that their system can not accept my payment because there is a foreclosure sale date of XX/XX/XXXX. 
- I was told that I forfeited the property. 
- I am in active bankruptcy and no notification was sent to my bankruptcy attorney. 
- I was told that I was in arrears for over {$10000.00} - This is not the case. I pay my mortgage every month. 
- I contacted my attorney and they contacted Mr. Cooper who said that their records show that I missed several payments. 
- I provided my attorney with bank statements showing debits to Mr. Cooper for the periods in question - I also provided email confirmations from Mr Cooper stating the my payments were posted to the account. 
- This problem happened in XXXX of this year but Mr. Cooper sent notice to my attorney that I was in default. 
- We submitted proof to Mr. Cooper of all payments made each month along with their email confirmations stating that my payments were scheduled and posted. 
- I am being threatened again but this time I am being foreclosed on. And my attorney 's were not notified. 
- In XX/XX/XXXX I called Mr. Cooper to make my XXXX mortgage payment and the billing recording stated that I was in arrears. I bypassed the recording to speak to a representative and told her what the recording said and that it was incorrect. She confirmed that it was incorrect and my account was current. She then accepted my XXXX mortgage payment - I received a notice dated XX/XX/XXXX stating that I needed to pay {$8200.00} to bring my account current. I dismissed this as a mistake because the representative in XXXX said that I was current. 
- Mr. Cooper had a cyber breach in XX/XX/XXXX and shut down their system. Their records are not accurate and I am being threatened with foreclosure and I have proved multiple times that I have paid my mortgage each month and have not missed a payment. 
- I need to pay my XXXX mortgage payment but can not until they get their records straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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:
In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated : 1. Under 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ), which states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

2. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), which outlines the permissible purposes for which consumer reports can not be furnished without written instructions, any violation of these provisions constitutes a breach of my rights.

3. My rights have also been infringed upon under 15 USC 1666b, which specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, any reporting of late payments on my credit report is inaccurate and should be rectified accordingly. 

XXXX XXXX - XX/XX/year>, and XX/XX/year>

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 2024-05-01 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated : 1. Under 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ), which states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

2. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), which outlines the permissible purposes for which consumer reports can not be furnished without written instructions, any violation of these provisions constitutes a breach of my rights.

3. My rights have also been infringed upon under 15 USC 1666b, which specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, any reporting of late payments on my credit report is inaccurate and should be rectified accordingly. 

XXXX XXXX - XX/XX/year>, and XX/XX/year>

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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
There was some unauthorized charges on my account. I am mediately notified them when I notice the unauthorized charges then they say the completely done investigation, and found no errors. The account is closed, now due to the fact of the fraudulent activity. Now I think they are reporting false information because I keep getting denied bank 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 2024-05-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: GA

Complaint narrative:
Got a Visa Gift Card for {$50.00}. Went at activate it on the XXXX to activate it as per instruction on the sticker. It accepts the Card number but says the security code is wrong. The phone contact ( recording ) asks the same question and rejects it. The complaint process says contact thru phone. The Company is US Bank National Association.

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 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC
State: TN

Complaint narrative:
XXXX refuses to remove PMI as Required in the Homeowner Buyers Protection Act of 1998 at the XXXX XXXX LTV requirement. I have asked multiple times and keep being told that I will need a re-appraisal or BPO, Which is not required once XXXX XXXX. It is supposed to be automatic at that point. 

No missed payments ever, and I put on auto pay. 

I am requesting not only the removal of the PMI, but Legal Shield is also suggesting I ask for a refund of the paid PMI as I am currently at XXXX XXXX and have been overpaying a significant amount at {$80.00} per month. 

They claim they are not required until the original LTV date is scheduled based on the original schedule ; XXXX XXXX has advised that is not the case. XXXX XXXX has advised that the original amortization is for the balance needed to reach the XXXX XXXX concerning the outstanding balance, not that if early payment is made, reducing the amount to below XXXX XXXX Their interpretation is that if the balance would be XXXX on the date first scheduled to XXXX XXXX they can not use the balance amount against the homeowner. Those clauses are clarifications of the definition what constitutes XXXX XXXX ( i ) Concerning a fixed rate mortgage, on the date on which the principal balance of the mortgage, based solely on the initial amortization schedule for that mortgage, and irrespective of the outstanding balance for that mortgage on that date, is first scheduled to reach XXXX XXXX of the original value of the property securing the loan ; and

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I noticed there are a few problems on my personal credit report on XX/XX/2024. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I request that you immediately investigate this matter and take the following actions : Account name : XXXX XXXX XXXX When the account was opened : XX/XX/2024 Account number : XXXX Account balance : {$420.00} Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are required to provide validation of the debt within five days of receiving this dispute letter. Failure to do so may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I owed a debt and a third party collector obtained the debt without my knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and Transunion are refusing to report accurate information regarding my account with XXXX XXXX. The account is reporting a {$300.00} balance and the balance should be {$0.00}. I paid the balance on the account, yet the credit bureaus are refusing to report it, which is affecting my credit score. Also, Transunion is refusing to investigate my dispute. The letter from Transunion states that it appear that the dispute didn't come directly from me. According to the letter from Transunion, they won't process the request until it comes directly from me. My complaint was through the Consumer Financial Protection Bureau regarding the account with XXXX XXXX, yet the are still refusing to investigate. XXXX and Transunion are reporting the inaccurate/ misleading account with XXXX XXXX after I have provided proof to the Consumer Financial Protection Bureau , Transunion and XXXX, that XXXX has placed both accounts in collection. I've sent a copy of my drivers license and a bill in my name. There is no reason for the credit bureaus to believe that my disputes are from a third party. I've been disputing the same items consistently for more than 3 years now. These are the type of tactics that the credit bureaus have been using to violate my rights.

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 2024-05-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality und

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: CT

Complaint narrative:
I recently checked my credit report and I see some incorrect information on my credit report, can you please investigate this account info? 

account- XXXX XXXX account number- 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 2024-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: IN

Complaint narrative:
Exeter Finance LLC sold my debt to a third party debt collector. The letter stated this new third party would be the sole entity to accept payments for this debt. For the last XXXX months, Exeter has been attempting to charge a card I had on file with them to receive payment on an account they no longer hold. I have contacted them twice via email about the situation and was just told " thank you, your account will be updated to reflect as such ''. XXXX, around XXXX, they attempted to charge my card again. This account was charged off to bad debt XX/XX/XXXX and purchased by another lender. Having worked for collections attorneys, I know this practice is illegal. 
Exeter Finance LLC XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
In 2007, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was aggressive and predatory. I ended up taking financial aid far beyond what I could ever hope to afford based on promised future salaries. 

Servicing began through XXXX XXXX, transferred to XXXX, and I finally consolidated through XXXX XXXX. 

After years of payment, forbearance, and a bit of discharge from a federal class action lawsuit, I've brought the number down from over XXXX down to under XXXX. 

Though I earned a degree from XXXX XXXX XXXX, I left the industry shortly after I started when it was clear that this particular degree had no value and would never allow me to pay off the astronomical cost of earning it. 

I've attached the complaint from the XXXX XXXX XXXX lawsuit, as it elaborates the illegal practices far better than I can, since it was so long ago.

Company response to consumer: Closed with explanation