vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I was out of work for approximately XXXX and XXXX months around XXXX, XXXX, XXXX. I contacted XXXX XXXX to figure out a game plan. They gave me a repayment plan, which I was told would not affect my XXXX XXXX. I was advised that I did not have to pay XXXX, and that amount be spread out over the following XXXX payments. 

I paid XXXX, I paid XXXX, then began getting notices that my XXXX XXXX had dropped and they were claiming I was 90 days delinquent, even though I was only behind XXXX month, which i had already made XXXX out of the XXXX payments towards. So I owed them around {$920.00}, for the remaining 4 months. 

I contacted them once i realized my credit was compromised. Took weeks to speak to a XXXX. XXXX the interim, I applied for a modicfication. I was approved. My online access indicates this will lower my payment by {$21.00}. Agents advise it is going to reduce it by $ XXXX, in the meantime I am receiving Demand and Foreclosure letters stating that I must pay {$3100.00} by XX/XX/scrub>XXXX The further on in the documents it says that I must pay by XXXX 

I called today and spoke to an agent attempting to make a payment towards that amount, for {$400.00}. and she refused to process the payment saying it wasnt enough!!

Im trying so hard, but this company does not communicate consistently or accurately. Ive contacted an attorney, yet if Im struggling with my mortgage, dont have much to offer an attorney. 

This company needs to be held accountable for their evasive acts and misinformation towards their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was trying to purchase a used juicer on offer up. The person selling the item asked to use XXXX so I sent the money that way only to learn later I had been scammed. The item was never sent to me and the person continues to operate this way on offer up even though I have sent multiple reports to offer up that this person is scamming folks. My bank ( XXXX XXXX said there was nothing they could do about it. So I was out {$310.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TrueAccord Corp.
State: IN

Complaint narrative:
I am a victim of identity theft, an identity thief used my personal information without my permission to make the following charges

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
When checking my credit report, it shows a hard inquiry by JPMCB in XXXX XXXX. I didn't fill out an application that would initiate a hard inquiry. I would like to request that it is taken off of my credit report. 

JPMCB did send me an email confirmation that I had a hard inquiry attached to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Old addresses and employment are being inaccurately reported on 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
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Old addresses and employment are being inaccurately reported on 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
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Account number XXXX I am requesting assignment contract regarding account listed above

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, this bank of America mailed me this letter, saying, " please let us know if you still need help with a debit card transaction. Our records show that you called us on XX/XX/XXXX to potentially dispute a transaction with your debit card, and you may have been asked to contact the merchant before filing a claim. We're reaching out to let you know if you need help filing a claim. You can give us a call at XXXX. We're available Monday through Friday, XXXX to XXXX. And Saturday through Sunday XXXX to XXXX eastern time. " Account ending-in 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 monetary relief
Consumer complaint received 2024-12-21 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: OH

Complaint narrative:
XX/XX/year> I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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 2024-12-21 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: WI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
Hello, please see my initial complaint against Bridgecrest in the below quotation marks. I am now dealing with a situation where my credit report scoring has now dropped XXXX points because Bridgecrest has still not updated XX/XX/XXXX credit reporting with the credit bureaus ( they sent me a copy of the letter they submitted ), however XXXX is still not updated and now XXXX being erroneously reported delinquent for XX/XX/XXXX as well. Their error in my credit reporting for the past two months has cost my XXXX XXXX to take a major hit. Bridgecrest need to call the credit bureaus in addition to submitting a new letter to include XXXX reporting as well. 

I recently had some major repairs completed on my XXXX XXXX which had financially crippled me at the moment. I have my car loan via Bridgecrest. I logged onto my account on XX/XX/XXXX and there was availability to pay one car payment and then fill out online documents for an extension on the remaining balance. I made the payment of {$220.00} and the extension documents were completed showing I was now current and would not be reported 30 days delinquent on my credit report. Bridgecrest sent me a copy of the extension documents signed on by both parties for approval. Document number XXXX. Days later I go back in to look at my account and no evidence of the Deferment and now Ive been reported 30 days late. I called Bridgecrest today, XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXXXXXX, a Customer relations associate. She tells me their department is the highest in the company and that my extension was reviewed again and denied due to my cars upcoming maturity date. I told her nothing was sent to me in writing stating this. She told me that they do not send the denial out in writing. I requested the denial in writing. She told me she was not going to send it to me. I told her then I can not believe it was actually denied. I have a signed document of approval and without a denial in writing, they could be telling me anything. I want my credit reporting corrected for this month as its unfair I was approved and under the impression I would not be reported as delinquent. I want my deferment shown as up to date and my credit reporting corrected and fixed. Also spoke to XXXX, ID number XXXX, XXXX XXXX  XXXX, also denied me the right to have the denial in writing. She stated thats not the companys practice. It sounds to me that they are refusing to honor the approval and back peddling because of their oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
Repeatedly calling. 34 calls from Commenity in past 7 days. They call about 4 to 5 times per day. I would like them to stop calling me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: GA

Complaint narrative:
Received {$25.00} gift card. Tried to check balance on XXXX by entering card number and XXXX digit code, but website said please try again. I tried at least 4 times and Im sure the numbers Im entering are correct. Then I tried to call the XXXX number on the back and it said the account can not be found. The card expires XX/XX/year> so thats not the issue either. I would like US Bank National Association to issue a new, functional card.

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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
In XXXX, I took counsel from Lexington Law firm with a set amount to pay a month. They kept taking payments multiple times causing me to fall behind with everyone I owe. Results was homelessness and a painful rebuild!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I applied for a loan to purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I qualified for and agreed to the terms of this vehicle. However, I am a victim of a Bait and Switch Tactic conducted by Ally Bank and XXXX XXXX XXXX. I reach out to Ally for support as I provided very sensitive ( personal identification data ), such as SS Num and DOB. I have not received a response back from Ally Bank. I have supporting documentation proving my stance. This bank participating with XXXX XXXX XXXX on Bait and Switch tactics is unacceptable! 

I qualified for the loan and accepted the terms. Before I could get a chance to goto XXXX XXXX to officially sign the paper work, as well as trade my truck in, a Sales representative contacted me trying to sell me a completely different car. I did not receive any communication the car was sold. The XXXX XXXX contacted me on Tuesday, XXXX communicating he is on his day off, where I would receive correct information about the car I sought out to purchase. I never received that call nor email communication from sales. 

In addition too, I reached out to Ally bank, via email and called, but I received no answer and no response. 

I did report this issue with the BBB and State of MO pertaining to XXXX XXXX XXXX and Switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I filed a dispute with Capital One for a charge with a moving truck company.. They issued a temporary credit on my card however that credit was not able to be used ... a couple weeks later the credit showed up on my card and I was able to use it for purchases.. I assumed the dispute had been settled..after using the credit it was then taken back about 5 days later and the balance of the card went over the limit.. ( as a side note the dispute was not investigated by Capital One.. all they did was provide a receipt from the moving truck company ) ... I was paying down the debt on the card and paying significantly more than minimum payments.. the charge for the interest for the past three payments was about {$14.00} per month this month it almost doubled to XXXX when I called and asked about this their explanation was the interest rate was due to the over limit on the card that was used 3 months previous.. the temporary credit to my card should have never been issued as the dispute was not settled.. This sounds like fraud to me.. I'm paying down the debt every month and the interest rate now is gone up almost doubled..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation into Transunion Reporting Practices Dear CFPB, I am writing to formally request your assistance regarding a violation of the Fair Credit Reporting Act by TransUnion. TransUnion has not adhered to the obligations set forth in 15 U.S. Code 1681, particularly concerning the accuracy and fairness of credit reporting. 

I have noticed that my account ( # XXXX ) related to my XXXX XXXX XXXX XXXX which was reported in XXXX XXXX. But was deleted by TransUnion Between XXXX XXXX XXXX XXXX XXXX from my credit report. This action has adversely affected my credit history and overall XXXX XXXX, undermining my financial standing. 

The XXXX findings highlight the importance of accurate and fair credit reporting, emphasizing how inaccuracies can impair the efficiency of the banking system and erode public confidence. As a consumer, I rely on accurate credit reporting for fair access to credit, and the deletion of my account has hindered that access. 

I am uploading a copy of my XXXX XXXXXXXX XXXX XXXX credit report for your review. I kindly request that you investigate this matter and facilitate the reinstatement of my account on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX The busiest time of the year in XXXX, I am shopping for XXXX gifts - a very long list of things to do before the holiday and USAA has locked my account. Locked access to roughly XXXX XXXX I have been on hold for XXXX hours now. The first hour was abruptly ended when they hung up on me while being on hold. I am still on hold. Scared to death that I can no longer feed my family this XXXX. 

USAA an institution were supposed to trust to take care of our veterans and their families is ruining my holiday and potentially responsible for emotionally traumatizing myself and my family with a barren XXXX this year because they can not communicate in a modern capacity nor pick up the XXXX phone.

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 2024-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: LA

Complaint narrative:
MOHELA is my servicer. I continue to have issues with their autopay service. Multiple times over that last year once payments started back there have been systemic issues with the autopay service. They continue to deactivate my autopay, and not tell me. I only find out when they inform me that my payment is late. They also have a deceptive payment system when your payment is late, that almost seems to force you to pay both the late payment and the future payments all at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
There is an account reporting on my XXXX report that is not supposed to be there. The account belongs to the primary account holder, not me. I am not the responsible party for this account. Please remove this account off of my XXXX report. 

XXXX showing a balance of {$8000.00}. 
XXXX reported was XX/XX/year> and is still reporting in my current XXXX report as of today, XX/XX/year>. 

I have attached a copy of the report and you can see the account on page 5 of the attached report. Please remove this account ASAP. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: UT

Complaint narrative:
On XXXX XXXX XXXX, I was contacted about an item I had placed for sale on XXXX XXXX. The individual asked if they could send me the money through Zelle in order for me to hold the item. He then told me that I needed to check my email because for some reason the money was not going through. According to the email, because he was trying to send money from a business account to a personal account it would not go through unless there was a security of {$500.00} for the original {$300.00} transaction. He would send me the additional funds and then I would reimburse him. He asked me to call the phone number listed on the email, which I did. Long story short, he took the {$500.00} plus {$870.00} through four separate transactions for a total of {$1300.00}. I do not recall why he asked me to continue to send the money ( and I was stupid and continued to do so ). The money was transferred directly through my online bank account ( XXXX XXXX XXXX ) and sent to a XXXX XXXX. The amounts were taken from both my checking and savings account. I have contacted my bank, Zelle, and the local police department with no success.

Company response to consumer: Closed with explanation