vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-05 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: TX

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KY

Complaint narrative:
XXXX XXXX charged off on the account with me owed XXXX in XX/XX/2023 and this whole account is fraudulent and by the the law we dont allow fraud so I want this account removed immediately from my credit report thank you or am going to report this to the commissioner

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
I have not been supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I may presume that no proof of alleged debt, nor therefore and such debt actually exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: TX

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-05-05 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: TX

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-05-05 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: WI

Complaint narrative:
On XX/XX/XXXX I sent out a letter requesting a letter of Goodwill to XXXXXXXX XXXX XXXX regarding my account status being reported late for XXXX and XXXX of XXXX ( document attached ). I had recently changed banks during this time and forgot to update my account with the updated banking information where the monthly payments were being deducted from. XXXX XXXX was still allowing me to submit and process my payments successfully these months ( Please see documents attached ) and failed to notify me that the payments were being reversed because the account that was attached was no longer in use. I thought the payments were processing because it always showed on the login platform that my account was up to date. Until I happened to login to make my payment for XXXX and noticed that it said the account was 2 months past due. This issue would've been prolonged had I did not check my credit report and seen the late charges. I called the company myself and they told me that the banking information needed to be updated. 

As soon as it came to my attention that the payments weren't being deducted from my business account, I paid the account up to date and requested the late payments be removed. I only see the late payments for XXXX removed off my credit report. However there is still a late charge under my Experian and Transition for the month of XX/XX/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 2024-05-05 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: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX points were recently removed from my Citibank XXXX points account, even though I have an eligible Citi credit card with Citi XXXX points. I had already requested that the points be transferred to my remaining XXXX points account with another Citi credit card prior to closing my account ending in XXXX. I would like to respectfully request that the points be reinstated to my account.

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 2024-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My escrow keeps going up and the lending company ( PHH Mortgage ) is not making sense on the amount to cover my taxes/insurance. Every year they have gone up because they say taxes have gone up but this was not the case this year with taxes going down. However they just jumped my payment up around an extra {$1300.00} a month. I have been on the phone several times to try and resolve the issue but they can not find anything and keep saying the same thing.. this is your bill... I have gone and added up numbers from the date of the loan until now and there is no way they can have me behind this much on my escrow and also for them to jump my payment up this much on top of the yearly jumps. My payments started at {$3000.00} a month in XX/XX/2021 to now jumping up to {$4700.00} a month and my taxes have not gone up that much from the county. My escrow payments at the {$3500.00} a month is {$15000.00} a year and my taxes are only XXXX a year and insurance is XXXX. The math does not add up! I am tired of trying to fight the mortgage company on these and going to lose my good interest rate to refinance just to get it fixed. I want this company to be investigated because I am sure that I am not the only one that is having this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-05-05 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: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-05-05 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: NY

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 non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XXXX XXXX stolen my banking information and wrote checks in his name and also made payments to his credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX I sent out a letter requesting a letter of XXXX  to XXXX XXXX  XXXX regarding my account status being reported late for XXXX and XXXX of XXXX ( document attached ). I had recently changed banks during this time and forgot to update my account with the updated banking information where the monthly payments were being deducted from. XXXX  XXXX  was still allowing me to submit and process my payments successfully these months ( Please see documents attached ) and failed to notify me that the payments were being reversed because the account that was attached was no longer in use. I thought the payments were processing because it always showed on the login platform that my account was up to date. Until I happened to login to make my payment for XXXX and noticed that it said the account was 2 months past due. This issue would've been prolonged had I did not check my credit report and seen the late charges. I called the company myself and they told me that the banking information needed to be updated. 

As soon as it came to my attention that the payments weren't being deducted from my business account, I paid the account up to date and requested the late payments be removed. I only see the late payments for XXXX removed off my credit report. However there is still a late charge under my XXXX and XXXX for the month of XX/XX/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 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
On XX/XX/2024, I attempted to withdraw money from an ATM in XXXX, XXXX. I received a transaction cancelled message on screen. No money was dispensed nor was any paper record issued by the ATM of the attempted transaction. 

After noticing an unauthorized charge of my account for {$400.00}, on XX/XX/2024, I initiated a case with PayPal ( Case ID XXXX ). 

On XX/XX/2024, PayPal sent an email update saying it had contacted the seller XXXX XXXX XXXX for more information. On XX/XX/XXXX, PayPal issued a provisional credit to my account for {$380.00}. On XX/XX/2024, I sent PayPal a message saying that the disputed amount in my case is XXXX which includes the transaction fees the seller charged my account. 

On XX/XX/2024, PayPal denied my claim based on the merchants records and ATM audit tape. On XX/XX/2024 I sent PayPal a message via the app insisting my claim that no money was dispensed to me by this merchant at this ATM and asked for an appeal and copies of the audit tape and other evidence used to deny my claim. 

On XX/XX/XXXX, PayPal debited my account {$380.00} and closed my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-05 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: WI

Complaint narrative:
On XX/XX/2024 - I sent out a letter to XXXX, XXXX AND EQUIFAX regarding a few inaccuarate inquiries Ive came across on my credit reports that weren't authorized by me. ( Documents attached ) On XX/XX/XXXX - A month went by and after hearing nothing back from neither of them, I followed up by sending an additional 30 Day Follow Up letter to each bureau. 

On XX/XX/XXXX- I received a letter from Equifax stating that they needed a copy of my drivers license and social ( which I in fact did send along with the letter ) and stated that process could take an additional 30 days. 

On XX/XX/XXXX - I also received a letter from XXXX which was in fact nothing but a copy of my credit report with attached instructions to dispute online. 

I still have yet to hear back from XXXX regarding the inacurate inquiries since XX/XX/XXXX.

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

Complaint narrative:
Nationstar Mortgage LLC d/b/a Mr. Cooper 's latest scam is that they have changed their payment system so that it DOES NOT recognize my checking account Routing Number. For many years, I have used the same XXXX checking account with the exact same ROUTING NUMBER to pay my monthly mortgage payment to Nationstar Mortgage LLC d/b/a Mr. Cooper. This month, when I tried to pay my mortgage payment, using the exact same checking account routing number that I always use for the exact same XXXX checking account that I always use I received the following error message : " Incorrect routing number. Please verify. '' I tried to enter my routing number using different web browsers and even tried to use the Mr. Cooper phone app. I continued receiving the same message. 

It is impossible to do an online chat or contact anybody at Mr. Cooper outside of their very limited business hours. 

I only have one checking account that I actively use. Therefore, Mr. Cooper is making it impossible for me to pay my mortgage and there is no way for me to get online help or any other form of help from Mr. Cooper.

Mr. Cooper DID NOT provide me with any prior notice that their online payment service was no longer functional.

There is no excuse for this type of incompetence by a company. Mr. Cooper is wasting my time and engaging in what could be best described as a highly suspect business practice by making it impossible for me to make a mortgage payment using the exact same method with the exact same account that I have used for many years to make my monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I tried opening a savings account online and it failed with all three attempts simply because the system couldn't verify my identity online.

I decided to call in to get a resolution and was offered to open an account over the phone. At the latter part of the application process, I had to submit a driver 's license as ID. I told the personnel I have my passport and that was okay if I can provide a utility bill as supporting.

I submitted my passport and my Electric & Gas bill in both my name and my co-inhabitant 's name. Then I was told by this personnel which I believe her name was XXXX XXXX ( XXXX ) that it was forbidden to have two names on any utility bill according to BMO policies. 

I figured it could be a policy alright but a ridiculous one because there's the primary account holder ( which is XXXX, who actually pays the rent especially with the lease in her name ), and there's me the joint account holder ( who contributes with some household expenses like utilities ). 

Although both our names are on the utilities and subsequently any other utilities, BMO suggests I remove XXXXXXXX XXXX name ( the lessor ) as the primary account holder of our Electric & Gas bill and replace with my name then it will be considered by BMO as a valid utility bill or proof of address.

It sounded ignorant at first but she was serious on the phone and implied indirectly that all my accounts opened with my utility bill are beneath BMO 's standards.

I don't really understand what the problem really is unless BMO actually thinks this made-up policy will hold in any court.

I'm not walking into any branch of BMO until absolutely necessary and has nothing whatsoever to do with discrimination. 

So far, I have filed complaints against XXXX for claiming they don't accept passports immediately they saw my passport was issued in XXXX and XXXX for also claiming my name was in the wrong order with a consumer reporting agency and were both met with legal consequences until my accounts were opened. 

Today XX/XX/year>, its BMO and it claims all secondary names on all the utility bills in XXXX as simply bogus to them because only the primary names on any bill should be the applicant. In addition, I should rent or live alone before my utility bills will be considered valid. Other than that, the bills I have personally been paying my portion of for the past year with my co-inhabitant its simply nothing to BMO. 

The treatment from some of these XXXX Fraud Departments are simply the worse so far in my experience. 

I have attached a copy of my utility so BMO can officially disclose to me that The XXXX XXXX XXXX XXXX XXXX 's bills are not a valid proof of address when there's a second person on there.

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 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was XXXX dollars over which I shouldn't have been I paid all my bills my bank even said my credit card should have been under so on a {$300.00} limit I was XXXX over so I put {$200.00} on it just so I'd have money right away they got rid of the {$99.00} plus gave me {$100.00} but won't let me use the money now they basically embezzle {$200.00} from me I'm on XXXX for mental XXXX and they've been taking advantage of me ever since I've had this car they've embezzled at least a {$1000.00} for me

Company response to consumer: Closed with explanation