vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: TN

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Credit was applied for using my personal information. I didnt not authorize my credit to be ran. These accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one auto XXXX capitol XXXX XXXX XXXX XXXX XXXX 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 2023-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
In XXXX XXXX XXXX, my home mortgage was transferred from XXXX XXXX to Mr. Cooper. I had elected automatic payments multiple times - online, over the phone. Monthly automatic payments were applied On XX/XX/ I logged into Mr. Cooper ( who has recently been hacked, their site has been degraded since XX/XX/XXXX, I suspect many people 's account information has probably been lost ). My account was displaying a late payment. It was not clear which payment was missed, but I owed 2x my normal monthly payments. I was not alerted at all that : Automatic payments had been discontinued I was late on my payments, as a result of automatic payments having been discontinued Further, Mr. Cooper had removed the bank account I had had on file! I had previously made about half a dozen automatic withdrawals from my checking account. There was no way to make the payment without adding a new bank account. When I checked my alert settings, they do not opt users in to being notified about late or due payments. It seems very mischievous- discontinue the homeowner 's automatic payments, do not alert them about payments when they become late, and then make it difficult for them to pay later on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: MD

Complaint narrative:
XXXX and MOHELA are in violation of The Fair Credit Reporting Act ( FCRA ) my credit report has account that have been reappeared after being previously removed, making me a victim of an improper reinsertion of credit data. I understand that The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless they receive a certification from the data furnisher ( MOHELA ) that the information is correct and then provides notice to the consumer that the information will be reinserted. This never happens.. I understand that : If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, that it will a fraud MOHELA has continued to very to XXXX and XXXX that the account has a {$100000.00} balance even though Recent payment was {$100000.00} as of XXXX And MOHELA record shows {$0.00}. balance. 
Report NumberXXXX Date Generated XX/XX/XXXX Before After MOHELA/DEPT OF ED ________________________________________ Your information may have changed since XX/XX/XXXX View your current credit report Account info Account name MOHELA/DEPT OF ED Account numberXXXX Account type Education Responsibility Individual Date openedXXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance updated- Recent payment {$100000.00} as of XX/XX/XXXX Monthly payment- Original balance {$100000.00} Highest balance Current / Terms met XXXX Closed Reappeared as : MOHELA/DEPT OF ED Balance details 0 % paid off Balance {$100000.00} Balance updated XX/XX/XXXX Original balance {$100000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX XXXX  Account type Education

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am missing direct deposits from active unemployment claims, Virginia unemployment commission confirmed checks were sent but cant confirm routing/acct # for security. I have closed accounts with banks from previous unemployment claims and am requesting payment investigation for possible misapplied/abandoned payments. 
Company name : Virginia Unemployment Commission Date, amount, check # : XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$680.00} XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$340.00} XXXX Total : {$1700.00}

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 2023-11-10 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: MA

Complaint narrative:
I only received a response saying that the account was verified as mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: MA

Complaint narrative:
I only received a response saying that the account was verified as mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: MA

Complaint narrative:
I only received a response saying that the account was verified as mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed about {$2100.00} in authorized charges come out of my business account. I called the company, and listed each unauthorized charge mostly XXXX charges that were unauthorized. 

I was told within 24hrs I would receive contact and they said they would send me another card. 

The new card came, I activated the card, but noticed that my money was never credited back to my account. 

XX/XX/XXXX I noticed a {$450.00} charge that was unauthorized and they said they would expedite another card. But when I questioned them about the staus of my provisional credit, they said it wasn't processed and they could submit a hardship, I was FURIOUS! 

They couldn't give me any answers and panned it off to some nameless faceless department that seemed like they were beyond getting any explanation, meanwhile that is my business account and now I will be short payroll. 

So not my total loss is over {$2500.00}, now I am told it will be 24-48 hrs for me to here of a " Decision '' for them to give me back my own money that was taken and got passed their security.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am writing to file a formal complaint against Capital One Bank for apparent violations of the Equal Credit Opportunity Act ( ECOA ), which I believe may constitute securities fraud. I am deeply concerned about the denial of my credit application by Capital One Bank, as I assert my rights as a consumer under the ECOA. 
Violation of Equal Credit Opportunity Act ( ECOA ) : I, as a consumer, am protected under the ECOA, which prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, or age. I believe that the denial of my credit application is a direct violation of my rights under this Act. 
Securities Fraud Implication : Denying credit without valid reasons may be indicative of securities fraud, as it potentially misrepresents the financial standing or creditworthiness of the consumer. Such actions can lead to false information being provided to investors and shareholders. 
Consumer Rights to Credit : The extension of credit is a fundamental consumer right. Denying this right without clear and justifiable cause not only violates my rights under the ECOA but also raises concerns about fair and ethical lending practices. 
I request that Capital One Bank either returns my credit application unendorsed or proceeds with the consumer transaction as per my rights. I believe that any denial of credit should be based on valid and non-discriminatory factors, and I request a thorough investigation into this matter. I kindly ask the Consumer Financial Protection Bureau to investigate this complaint and take appropriate action against Capital One Bank if any violations are found. I am also open to providing any additional information or documentation that may assist in the investigation. 
Thank you for your attention to this matter. I look forward to a resolution that upholds consumer rights and ensures fair and transparent financial practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX : XX/XX/23 USBank debited my checking account {$5000.00} without my approval. 

XX/XX/23 USBank again debited my checking account another {$5000.00} without my approval. 

STEPS TAKEN TO RESOLVE : XX/XX/23 Contacted USBank via phone. USBank said they would investigate. I was told that it will take until XX/XX/23 for the claim to process, and they would get back to me, or that I should call back again after that. Agent indicated that she had put a block on my account for the amount of {$5000.00} so to preclude another unauthorized debit. I seems she recognized that there was a problem. 

XXXX XXXX XXXX with branch manager and explained the situation. She made a long call to accounting then said to wait a few days for the outcome. 

XX/XX/23 Followed up by phone. No resolution. 

XX/XX/23 Met with branch manager again, after ANOTHER {$5000.00} was debited from my account. She assured me that they would be able to get an accounting of the missing {$10000.00} one way or another. More phone calls to accounting. 

XX/XX/23 Branch manager called and gave me a claim number. Said I should wait XXXX days then they would get back to me, or that I could call them. 

XX/XX/23 After once again not hearing anything from USBank, I called in. The agent said that there was no indication that anything had been done to resolve this issue. She conferred with her supervisor and they tried to get ahold of their adjusters but couldn't make contact. So she sent them an email, and told me to wait another XXXX days, and that they would contact me. Or that I could call them. 

XX/XX/23 No word from USBank. Never received a callback, even though I was told several times to expect one. Spent hours on the phone with their accounting department, every time having to re-explain the problem. I don't think that there is a path to resolution open to me through USBank. 

XX/XX/23 Opening incident with CFPB.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one scent me a letter on the XXXX saying that they scent over to all 3 credit company that my stuff current owe XXXX balances no monthly payments don't owe XXXX but they lied. Capital one still reporting inaccurate information to all 3 credit company 's 2 credit still got me 90days119days late and XXXX on them on the other one Capital one reporting still 90days late when I'm current on them they don't have my payment history boxes checked for XXXX and XXXX they got my credit score low Capital one got there money there payments and won't fixed it in all 3 credit company that letter Capital one scent me they didn't correctly what they said in the letter that they reported. Capital one still reporting false information to the 3credit company why so hard for Capital one to report accuracy information to the 3credit company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I attended college from XXXX and XXXX  school from XXXX. During that time I had XXXX and XXXXXXXX XXXX. Im consolidated them with XXXX XXXX sometime between XXXX They were bought out by XXXX. From XXXX, I worked for several non profits. Unfortunately I didnt understand the PSLF process until it started getting a lot of press during President Bidens term. In XXXX XXXX I applied and was approved after the required consolidation into an IDR plan manage by MOHELA. The rest of my loan, around {$3600.00} was forgiven. I made years of payments to XXXX over the required 120 PSLF. And I made some payments during the pandemic which I wasnt required to. MOHELA told me I would get a reimbursement check from the federal government but I havent. XXXX says they have no responsibility. FSA says Im not eligible for reimbursement because i consolidated too late in the process of making 120 payments. But part of the PSLF waiver program that ended in XX/XX/, was that you wouldnt be penalized for consolidating late, you would be eligible for PSLF even though you didnt have the right type of loan when you made your 120 payments, youd have your balance forgiven if it was under a certain threshold, and youd get reimbursed your overpayments! So Im writing to you to request assistance in obtaining my reimbursement which is approximately 4-5 years worth of payments. Thank you in advance for your assistance. 

I need to know what agency is supposed to reimburse me and assistance in advocating that I receive it. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I use HSBC services. on XXXX XXXX XXXX a PREAUTHORIZED payment of {$29000.00} XXXX  was made to an unknown amount in XXXX extracted from my SAVINGS account. I called the parties involved ( HSBC & XXXX XXXX ) ; HSBC told me they didnt know to whom this payment was sent to and asked me to contact XXXX, while XXXX said they can not do anything if i am not a customer of theirs, and that I should talk to HSBC.I have never in my life preauthorized such a payment nor have i used XXXX XXXX XXXX before. 

Please help, this is almost my entire savings thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: IN

Complaint narrative:
XXXX advised this is not me and I did not sign up for any membership also. They have called me over 10 times in one day demanding money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
Mortgage payment check date was XX/XX/XXXX and placed in mail same day. 
PHH claims to not have received until XX/XX/XXXX ( after grace period is over ) and then charges a late fee of {$51.00}. 
Spoke to representative on the phone and explained situation and requested late fee removed. This was denied.

Company representative offered no evidence to support that payment was indeed late, we believe that the company delayed processing payment in order to assess a fee.

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