vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Around late XXXX XXXX XXXX citibank froze and began the process of closing my account. They would not identify their reasoning. I was unable to stop my XXXX social security payment of {$850.00} from entering the account in time but per the US Treasury, it did enter the account despite the fact that citi 's email regarding the account closure said further deposits would be blocked. Additionally, there was approximately {$990.00} and change in account in question that they're refusing to release. Again they will not provide any further information and have been completely intransigent.

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 2024-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2024-02-08 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stein Law, P.C.
State: OR

Complaint narrative:
XX/XX/23 was the last communication I had with the company. I was trying to lower my garnishment amount. The company refused to help, used my wages from a month that I worked 200 hours of overtime. I submitted proper documentation to show my actual wages and how the amount they were garnishing was causing me to fall behind on my bills. They completed disregarded this. They have used demeaning and disrespectful behavior. They never sent me any documentation, contacted me about the debt or tried to notify me of a court date. The loan amount is incorrect. They raised it by a XXXX XXXX. I have filed a complaint with the attorney general office as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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:
This consumer reporting agency Experian is in violation of 15USC 1681a ( 5 ) for furnishing data that is inaccurate, incomplete and unverifiable on my report. I obtained a copy of my Experian report and noticed 9 accounts with inaccurate data that violate the following sections of the LAW : 15USC 1681 ( B ), 15USC 6802 ( B ), 15USC 1666 ( b ), 15 USC 1681 ( 2 ) ( a ) ( i ), 15 USC 1692 ( g ). This agency failed to conduct a proper investigation and provide an original signed consumer agreement between me and each person or company, where I gave them written authorization or permissible purpose to contact this agency to furnish an account using my nonpublic personal information as per 15USC 1681 ( B ). This agency also failed to provide me with all three of my privacy disclosures ( a-c ) that each person or company allegedly disclosed to me before contacting Experian with my nonpublic personal information as per 15USC 6802 ( B ). This agency also failed to provide me with each original statement that each person or company sent out 21 days before each late transaction was reported as per 15USC 1666 ( b ) in which, any transaction reported is a violation of 15USC1681 ( 2 ) ( a ) ( i ) where congress clearly states that all transactions or experiences to any person are EXCLUDED from my consumer report. Experian knowingly and willingly violated several laws and according to 15USC1681 ( e ), it is their obligation to ensure maximum accuracy of the information that is getting reported on a consumer report. Due to these violations and the data being a direct result of identity theft, the consumer reporting agency, Experian must remove the 9 inaccurate and incomplete accounts listed in my notice sent to them on XXXX  or face legal action for noncompliance.

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 2024-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery has three different dates on my three credit report They have no exact date of my first date of delinquency. I have reported this account was reported late with the original creditor on In XXXX of XXXX and the seven year window for removing this account is XX/XX/XXXX. My XXXX, XXXX. and XXXX all have different dates when this account to he removed. They only have a partial file and do not have the whole credit reporting from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: RENASANT CORPORATION
State: TN

Complaint narrative:
In XXXX weeks time between XXXX XXXX I was charged XXXX overdraft fees for ach transactions that should have been denied! This totaled XXXX in overdraft fees in less than XXXX weeks most on XXXX days

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 2024-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
On XX/XX/2024, I used the company 's chat function to request deletion of mortgage insurance. I was advised that since this was a request for early termination an appraisal or Broker Price Opinion would needed to be completed and that the appraised value would need to come back at {$390000.00} or higher to remove PMI ( copies of chat are included with this complaint ). I was asked if I think the home would appraise for that amount or higher to be able to remove mortgage insurance, I replied yes and ultimately opted for the BPO. 

Overnight on XXXX I received a notice in my online servicing account that PMI request was denied due to not meeting ltv requirements. On XXXX I called several times and could not speak to a customer service rep., instead got an endless loop of ivr prompts that kept sending me back to the start. So I reached out via chat for a copy of the BPO report ( copies are included with this complaint ) and it was emailed to me and showed a value of {$400000.00}, which is higher than what was needed, bringing me to 78.66 % ltv. 

XXXX I reached back out via chat to see why my deletion request was denied since the value came back higher than what was needed and I was the transferred to a PMI agent via chat but rather than address my questions he started the process of requesting PMI deletion, this time telling me an evaluation would be needed and will need to come back below 75 % to cancel mortgage insurance and do I think my value will come back at that. ( Copies of transcript attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: GA

Complaint narrative:
I noticed on my account that there are incorrect address and name information. My name is XXXX XXXX XXXX and XXXX and Transunion have incorrect names for me : XXXX XXXX and XXXX XXXX ( Transunion ) XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX XXXX does not belong to me ans I have asked them to send proof of this account and I have not receive it ( XXXX and XXXX is reporting incorrect information on my credit. 

I have no idea what the following account are or who these accounts belong to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
We started the escrow process on XXXX XXXX XXXXXXXXThe seller then contacted Freedom Mortgage about the assumption process who an agent then told him that an assumption packet would be mailed to us within XXXX weeks. This packet was never sent to us. The seller than called Freedom Mortgage after XXXX weeks and us not receiving a packet. They stated that we have to complete an application for the packet before it would be sent. The soonest appointment they had was XX/XX/XXXX. At this appointment I spoke to XXXX whose number is XXXX and she said wed be receiving a packet that will be overnight but will be delivered in a few days? We actually received the packet on XX/XX/XXXX and sent it out the same day. She also stated processing would take XXXX business days once the packet is received. I then called Freedom Mortgage on XX/XX/XXXX to get into contact with my processor XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). I spoke to XXXX in the XXXX department in which he said he would have her call back that same day. I received no phone call or follow-up. The following Monday I called Freedom Mortgage ( XXXX ) back and was able to get into contact with XXXX. She stated that this was her first time looking at the packet and that it looked as if everything was there. She also stated the under-writing process will take XXXX weeks to process the packet. She also stated that she would have the packet processed that Tuesday. I submitted XXXX XXXX XXXX on XX/XX/XXXX to Freedom Mortgage as well as contacting the XXXX XXXX XXXX XXXX  we were pulled out of underwriting with documents requested. We submitted the documents the same day. XXXX XXXX I called XXXX whose number is XXXX, and she stated she need an updated title before we could go into a second under writing which is not true per XXXX guidelines ( XXXX Pamphlet XXXX ). Freedom Mortgage is yet again in Non-compliance with circular 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 2024-02-08 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: NV

Complaint narrative:
I am reaching out to address issue regarding incorrect personal information in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
When reviewing my credit report I was enraged to find a number of inaccurate reportings. XXXX being a late payment that I was not efficiently warned of and is entirely inaccurate and then on top of this there are a few inquiries that I never authorized the release of my information for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
Upon review of my credit report, I noticed some hard inquires that I do not recognize. Within each credit bureau, there are technicalities and some on multiple occasions. 

XXXX : XXXX, XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX XXXX  dated XX/XX/XXXX and XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  I did not authorize these inquires. I believe I am a victim of 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 non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Upon review of my credit report, I noticed some hard inquires that I do not recognize. Within each credit bureau, there are technicalities and some on multiple occasions. 

XXXX : XXXX, XXXX XXXX XXXX dated XX/XX/XXXXXXXX  and XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Equifax : XXXX XXXXXXXX XXXX XXXX dated XX/XX/XXXXXXXX  and XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXXXXXX  and XX/XX/XXXX I did not authorize these inquires. I believe I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
They called me yesterday XX/XX/XXXX and I spoke to a representative. I told her I am waiting on my taxes and then I will pay it off. They called me twice today XX/XX/XXXX which is in violation because they can not call me again for 7 days. I called back and told them they were in violation and I want something done about it. It was CBC debt collections calling for my XXXX XXXX XXXX XXXX. I told them today ( XX/XX/XXXX ) to not call me again and that I will call them to pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: GA

Complaint narrative:
The info being reported on is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I had agreed to the company payment arrangement. When the company withdraw from my bank account and I waited for the bill statement to show that I started making payments, nothing was posted for four months. The company kept posting to the credit bureau that I never made a payment. When I called the company customer service every time, they would state that I would have to wait for it to update in the system but in the same time they keep taking my money and sending to the credit bureau I haven't paid my bills. For now, it's been 6 months going to 7 waiting for an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I got a letter dated XX/XX/ saying that youre closing the account and youre going to start a fraudulent investigation. Keep in mind Ive asked you to do this for the last XXXX months then I get multiple letters dated XX/XX/, so were talking about 24 hours or less youre telling me you investigated this fraud claim. Im just gon na be blunt. I dont believe you whoevers in charge of my case is made up their mind and clearly isnt willing to accept that. Maybe they were wrong for the life of me I dont know how you came to this conclusion. You said that the authorized user Use the card. No he did not authorize users was the one that was lost and used fraudulently but the authorized user didnt have it in his possession. He didnt use the card. Why do you think that we had the card? Do you have some proof that youre not sharing? If you started an investigation on XX/XX/XXXX. Why were the late charges in interest not removed why was there no provisional credits issued why does it say my account is past due if youre investigating oh wait you didnt actually investigate sent me a bunch of form letters, hoping that I would Decision and go away thats not gon na happen. We will end up in court before I pay a XXXX on this. This is ridiculous. We did not have a card in our possession. It was lost found Ive given you all this information multiple times over the phone advantage your questions I filled out your paperwork, and you dont even investigate because theres no way you investigated this less than 24 hours unless you have some proof you need to issue a full complete refund to this account. I just dont understand and these form letters that you keep sending me thats not helpful. This is terrible customer service you need to send me a real letter, explaining how youve come to your decision, considering that we were not in any of these locations during the time that these charges were made, we didnt have the card in our possession. Why do you think we did? Why have you not issued provisional credits? Why are you not investigating this for real why does it say my account is past XXXX it shouldnt say that if youre actually investigating it for fraud, or are you breaking the law and not investigating properly? Id like you to answer that question right here with the CFPB can see what you have to say. Ive done everything Im supposed to do.

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 2024-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
On XX/XX/XXXX a " Withdrawal By Check '' for the amount of {$1900.00} was taken from my Checking account, which was the entirety of my account. When I called Navy Federal Credit Union to ask why this had happened, she transferred me to the garnishment line and told me it was due to a garnishment being filed on my account. I currently reside, and have resided in the state of XXXX XXXX Since XX/XX/XXXX. The landlord who is suing me, lives in the State of XXXX  and is suing me in the state of XXXX My attorney, XXXX XXXX XXXX and I called the garnishment line of NFCU to tell them that due to me residing in the state of XXXX  and have been since before the official XXXX  XXXX filing, the garnishment of my bank account is non enforceable and they took the funds from my account when they shouldn't have. NFCU responded that there was nothing they could do, even though they wrote a check to the creditor when they shouldn't have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: FL

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter Finance LLC Acct # XXXX Debt not owed never late requested for it to be corrected or removed. 

NO response from Creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was looking into my credit report the other day and what I found made me very anxious then I was overwhelmed with helplessness. During my investigation I found evidence that the agencies did not their job of verifying the accuracy of their reportings and this is causing me a lot of stress and XXXX, because what they are reporting is entirely inaccurate.

Company response to consumer: Closed with non-monetary relief