vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  It's showing that I've have several late payments and charge-offs. But here 's the thing, I've never been late on my payments for this account. 

Something else that's weird is that this account info is only showing up on two credit bureau 's report. Doesn't that seem a bit off? I mean, if it was accurate, wouldn't it be on all the bureaus ' reports? 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up.

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Your continuous inaccurate reporting is severely damaging my financial character. You are reporting information to my consumer report without permissible purpose. I have never provided you with explicit consent to communicate with me in regards to a collection of any debt. Follow reasonable procedures in good faith, Failure to comply will result in a private right of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, 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 did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not give anyone authorization or consent to use my personal information. 
I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent inquiry on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Below are the fraudulent inquiries that needs to be removed from my credit report. 

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citicard has blocked my card since early XXXX because the " fraud department '' can not " authenticate '' me. As a result I now want to cancel my card and receive back a prorata portion of my annual fee ( {$40.00} ). But Citibank fraud department ( to which I am automatically connected ) refuses to do so, even though there are NO charges outstanding and card payments are completely up to date. Citicard has no problem " authenticating '' me when I make a payment on the card - I did so today. It is absurd that this bank makes it easy to take money from me but will not undertake the services for which I am paying. As a result my frustration makes me want to cancel the card ( I can not use it ) but they won't even allow me to do that. When I contact the fraud department they need to call me back. My home number is not an " acceptable '' number for that purpose. When the agent calls my business line the call does not go through. She is clearly working from home and has a technology issue. It is disgraceful that Citicard discriminates against military veterans in this way

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 2023-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Hello again. 

Every response from Mr Cooper is carefully crafted to read as if Mr Cooper has been on top of their mistake. I assure you, after months of my time, efforts, and financial sacrifices, they have not been. Thus, my complaints. I am fling yet again. 

( re : Mr Cooper failed to pay my monthly insurance policy, resulting in a sudden raise of my monthly mortgage payment and an escrow shortage. ) Prior to the CFPBs involvement, I'd paid 3-4 months of additional monies to Mr Cooper as a result of Mr Coopers mistake and asked that those over-payments be reimbursed to me, as well as the extra {$1000.00} I sent into escrow to cover this " shortage '' ( caused by Mr Cooper for non-payment of my insurance ). Since CFPB 's last inquiry, my escrow has been further compromised and I am suspicious of fraud. 

I am currently receiving three billing statements per month from Mr Cooper. They still notate a {$13.00} shortage ( impossible ) that has been applied monthly to my bill, which I must pay. But when I call, both the system and a representative tell me my escrow is POSITIVE {$2400.00} ( reflecting all of my over-payments ). Mr Cooper is still trying to take monies from me. 

I have been incredibly patient and inconvenienced of time, money and sacrifices in handling Mr Coopers mistake. Enough is enough. Who is responsible for holding them accountable? I want this matter resolved. I am a responsible homeowner and always on time with my obligations/ payments. Mr Coopers inability or unwillingness to amend their error and correct my account remains a large disservice to me. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
From XXXX to XXXX, I had a checking account at Citizens Bank. Beginning with my monthly statement for the period ending XX/XX/XXXX through my statement ending XXXX XXXX, XXXX, I was charged each month a {$2.00} fee for receiving a paper statement. I called the XXXX number and asked how they could charge a fee for paper statements if it is a federal requirement that the bank provide me with a monthly statement. I was bounced around between XXXX different people : XXXX, XXXX, XXXX, and XXXX. I got nowhere because my account records have been purged. I am glad I did receive paper statements because their record retention policy is awful. A few days after I called customer service, I received a call from XXXX XXXX in the XXXX 's Office. ' She wasn't helpful because all she said was that I had 30 days to report any errors on my statement. This was no error because it was bank policy to charge a fee for receiving paper statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/2023 Wells Fargo Bank Re : Complaint for not returning wire as recalled name not matching account Your Account Holder : XXXX XXXX - Attention Wire Dept : My name is XXXX XXXX XXXX, your customer and account holder. On XX/XX/XXXX nd XXXX, a wire transfer was sent out from XXXXXXXX XXXX XXXX XXXX to Wells Fargo Bank which represent the proceeds of my sale where escrow was closed at XXXX XXXX XXXX in XXXX, Arizona. I am the rightful owner of this money per the attached closing statement. I am requesting that you immediately pull my funds from the wrong account and return the money by wire to XXXXXXXX XXXX XXXX XXXX. I am requesting that you honor the recall request from XXXXXXXX XXXX XXXX XXXX immediately. I relieve you of any liability for pulling money funds out of wrong account. This is my money and it seems like you are trying to give my money away. I expect a response as soon as possible. The wire was sent to my name ( XXXX XXXX XXXX ) with the wrong account to Wells Fargo Bank and your bank should have rejected the wire because name and account didnt match. Your bank wrongfully did not reject the wire. On XX/XX/XXXX th a reversal of the wire was sent from XXXXXXXX XXXX XXXX XXXX to Wells Fargo Bank to return the money however your wire department has not responded. Today is XX/XX/2023 and so far, you have not returned the wire. Due to this happening, I am Living in a tent and I have serious XXXX XXXX and this situation is worsening my health. I am not doing well at all. I should have had the money by now. I am further attaching information of the wire and recall notice from XXXXXXXX XXXX XXXX XXXX. 

I expect you to honor my request and return the wire to XXXXXXXX XXXX XXXX XXXX as recalled so that they may re-send the wire to my correct account number at Wells Fargo Bank. 

I am your customer for many years and I expect that you treat me as a good customer that you want to keep. I will not allow you to give the proceeds of my sale to another person. This will not be tolerated. I expect a response from you as soon as possible.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I noticed unauthorized inquiries on my credit report, called the bureau & was told that the account is accurate. 
According to the FCRA these unauthorized and unverified items must be removed. Ive sent paperwork and proof of my identity & they still refuse to delete items

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I noticed unauthorized inquiries on my credit report, called the bureau & was told that the account is accurate. 
According to the FCRA these unauthorized and unverified items must be removed. Ive sent paperwork and proof of my identity & they still refuse to delete items

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I maintain credit with American Express and pay my bill with them. I recently started a new business that I boot strapped and this resulted in multiple credit accounts being utilized ( it's why I have and build credit ).

One of my accounts with American Express reached about 75 % of the accounts credit limit. I received a threatening letter from American Express that if I didn't pay an extra {$1600.00} in 3 days they were going to review my account and possibly reduce my credit. 

I have maintained all required contractual obligations with American Express and I stated clearly to them that if you reduce my credit for any reason other than default, or multiple late payments that they are in breach of our contract. 

I will state again : My account is not delinquent. 
My account has not been delinquent. 
I have paid on time. 
I have paid all interest accrued on this account. 
No where in my contract does it state I have to maintain an amount below a threshold or have my credit reduced. 

Credit reduction will have an unnecessary impact on my credit and I will seek damages from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
My husband and I completed a loss mitigation request with Flagstar Bank on XX/XX/XXXX, and we were approved for a deferral, which was our preference due to our issue being temporary and our not wanting any mitigation to negatively affect our credit. On XX/XX/XXXX, my husband and I signed and uploaded the USDA Pandemic Mortgage Recovery Advance agreement to the Flagstar Bank website, as directed. On XX/XX/XXXX, I received verbal confirmation from a Flagstar Bank loss mitigation representative that the document was received and no further action was necessary. We planned to make our first required monthly payment, per the agreement, on XX/XX/XXXX. However, on XX/XX/XXXX, we received a letter from Flagstar Bank stating our loss mitigation file had been closed because Flagstar Bank " did not receive the fully executed modification documents and/or the monthly payment ( s ) '' necessary to complete the modification. After over a month of time-wasting, frustrating, unproductive communication with the Flagstar Bank Loss Mitigation Department , someone finally corrected the error, marked our loss mitigation status complete, and updated all account information to appear current. Since then, our payments have been on time and paid in full. Unfortunately, our credit reports still indicate we missed payments in XXXX, XXXX, and XX/XX/XXXX, which is not accurate and not in accordance with our signed agreement with Flagstar Bank. We are contacting CFPB for assistance in resolving this final issue, as Flagstar Bank has proved to be poorly managed and lacking appropriate oversight or accountability for their actions which are harmful to consumers, and I do not trust them to resolve this matter in a timely manner.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the XXXX XXXX XXXX is now in VIOLATION of my consumer financial rights! Second, the XXXX XXXX, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, XXXX says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Made a purchase From Biglots/Commenity Bank and set up automatic payments on the phone with a member of customer service. I received a call from the XXXX and a statement that says I'm two months behind and it is reporting on my credit now. Please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have tried on several occasions to get extra payments made applied to principal. The last time I spoke to XXXX XXXX on XX/XX/XXXX and the problem is still not resolved. They are applying it to future payments and charging me interest on the principal balance with out the extra payments applied. I currently don't owe a payment until XX/XX/XXXX. I believe they are doing this to get more interest applied to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have an XXXX credit card. Months ago I was advised that I was being charged from a gym every month and I tried to stop my account with them but they keep charging me. I disputed the charges and XXXX said charges are legit and the only way to stop the gym from using my card is to replace my card with a new card number, which I did. This month I was charged again. I advised XXXX credit card about that and asked them how can a company still use my credit card to charge me when they dont have the new card number. They couldnt explain how and said via text message that somehow the gym got my new card number, which only I know and I have absolutely not provided to them as thats the whole reason why I changed my card number, per XXXX credit card advise. At this point they are telling me they can not help me and refuse to refund the money and to block any further unauthorized companies to charge my credit card, or to explain how it is possible for a company to charge my card without anyone providing them with my account card number. XXXX is at fault here for not protecting my account and my personal information and also refusing to refund the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation