vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have contacted XXXX and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. No one has provided any proof, not the creditors, not the credit reporting agency. XXXX, XXXX and XXXX should request to see proof that proper authorization was obtained to request credit reports. They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2024-01-05 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: FL

Complaint narrative:
I have contacted TransUnion and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. No one has provided any proof, not the creditors, not the credit reporting agency. XXXX, XXXX and TransUnion should request to see proof that proper authorization was obtained to request credit reports. They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2024-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Mr Cooper aka Nationstar Mortgage has again failed to pay what it claims from escrow. Per escrow, they claimed to have paid my XXXX property taxes in the amount of {$2300.00}. However, on XX/XX/XXXX, I received a notice via email that my property tax remains unpaid, and is due by XX/XX/XXXX. I checked the county 's online information system, and it also reflects non-payment. 

This comes after my prior complaint, XXXX. During the previous tax year, the county sent an erroneous bill in the amount of {$5500.00}. Nationstar was informed this bill was in error, but claimed to have paid that amount, {$5500.00}, both on my escrow statement and in calculating escrow. In reality, the county treasurer had only ever received a check for the correct amount, {$2100.00}. It should be noted that Nationstar has previously settled with the CFPB in a XXXX enforcement action for these very practices, the failure to make timely tax payments from escrow and inaccurate escrow analyses, with docket number XXXX. Nationstar does not appear to have corrected their practices. 

In particular, as part of that settlement, Nationstar/Mr Cooper was required to implement an online complaint form, maintain sufficient trained personnel to respond to such complaints, and correct errors identified by these complaints. 

In reality, Nationstar/Mr Cooper simply ignored complaints submitted to their online complaint form regarding the XXXX tax issue, indicating that I'd receive a response in 7 days which was never received, which Nationstar admitted it received and simply never took any action on, despite being a notice of error requiring a response in 30 days. I only received a response after submitting a CFPB complaint. 

It should also be noted that they claimed a refund posted on XX/XX/XXXX in regards to the XXXX tax issue, yet when I checked the escrow transaction log while submitting complaint XXXX, no such transaction refunding the amount was displayed in the transaction history, and they continue to claim that they paid {$5500.00}, which directly contradicts what the county treasurer reports, a single payment in the amount of {$2100.00}. 

The response to my complaint about the XXXX tax issue will likely follow the same pattern. Despite the urgency of this matter, in response to my XX/XX/XXXX ticket sent via the online complaint portal, the response on XX/XX/XXXX was that they would respond in 7 business days and provide no information whatever beyond that. At this point, a response in 7 business days will be received by XX/XX/XXXX, the due date of the taxes that Nationstar has failed to pay despite removing funds from escrow. This response indicates no urgency whatever for non-payment of taxes, despite the extremely serious consequences of non-payment. 

Nationstar is not complying with consumer finance protection laws, nor the enforcement action 's settlement terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This credit reporting agency refused to investigate my dispute which is a violation of the FCRA section 1681i ( a ) ( 1 ) ( A ). I provided the credit reporting agency with all my personal information needed for the dispute, but I received a letter stating they will not take any action on my request. Clearly my rights were violated.

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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I have been trying to contact Someone in the fraud department from M & T Bank for Three days. Hold times have been over 3 hours. I finally got through and was hung up by an automated teller.

I have tried transferring money from online checking account to XXXX XXXX XXXX and I keep getting a message to call my bank. I have had zero luck contacting my bank and at risk of being late for a loan. 
please help.

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 2024-01-05 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: FL

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TX

Complaint narrative:
XXXX XXXX  Their FAQs state that I can transfer funds up to {$150000.00} per transaction and up to {$250000.00}. When I kept getting error messages, they told me they changed their limits to {$5000.00} per day. A significant drop and the account no longer meets my needs. They withdrew money from my external account. It is not available to me and I cant close my account because the funds are in process. The process part is completely on their side. My bank had already released the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made multiple inquiries, Paid my bills in XXXX, and Follow up today in XX/XX/XXXX with the same creditor Capital One. 
Im XXXX and been in and out a facility for a year. 
Im trying to pay my bills off, by the same creditor. 
So I dont anyone! 
Im completely XXXX and at times and able to manage my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately

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 2024-01-05 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: FL

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest compant has charged me more in interest than whats required contractually. Every month I am to be charged between XXXX per month in interest. They have taking a fee of more then XXXX % in interest out of my monthly payment and refusing to correct the account. Resulting and a year of overpayment causing inflation and refused to refund the credit back to account. I have asked and emailed servel times to make adjustments I never missed a payment. Ive always paid more then required.

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 2024-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed activity on my Best Buy citi bank credit card. It was a near {$2000.00} in store transaction at Best Buy that I did not make. In fact I was at home studying for the XXXX when it occurred. I contacted the bank immediately and requested the charge be disputed. I assumed after that that the issue would be handled and I would be contacted by the bank. In XXXX, I noticed that no action had been taken in the matter. I contacted the bank again and was told that the charge was not disputed. They accepted that it was an internal error in their system and initiated the dispute. I received no letters of rebuttal or request for my statement or information. On XX/XX/XXXX, I received a letter from Best Buy explaining nothing more than the fact that I had lost the dispute. Best Buy citi bank has been egregious every step of this situation. It is unjust for me to pay for a {$2000.00} purchase that was made while my card was stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Greenlight Financial Technology, Inc
State: VA

Complaint narrative:
I made payment of {$10000.00} on XX/XX/XXXX on my Greenlight credit card. This payment cleared my bank account on XX/XX/XXXX. As of XX/XX/XXXX, a week later, the payment has not been credited to my account, which is at its limit so I am unable to use the card. I contacted Greenlight and I was told that they have an issue with payments made on XX/XX/XXXX and that someone will get back to me in a few days. They see the payment, but can not credit the account or increase the limit or help in any way. I pay my bill in full every month, and have had no payment issues and have good credit. I find it unacceptable that the payment clears my bank account and a week later they have not given me credit, and they offer no solution. I have had regular issues with this card and crediting of payments, but this month is the worst. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus

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 2024-01-05 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: NY

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint

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 2024-01-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint

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 2024-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
I sold a property with a mortgage held by XXXX serviced by XXXX ( https : //lakeviewloanservicing.myloancare.com/ ) on XX/XX/XXXX. 
The loan payoff made was {$170000.00}, though only XXXX was due on XX/XX/XXXX resulting in an overpayment of {$210.00}. 

Due to a cybersecurity incident, XXXX serviced by XXXX was unable receive or process payoffs. Please reference https XXXX XXXX  for information on the incident. 

Due to this, XXXX did not apply the payoff to my account until XX/XX/XXXX and charged me for 4 days of additional interest totaling {$29.00}. 

I contacted Customer Service on XX/XX/XXXX and was informed that due to the cybersecurity incident, their systems were still down and they were unable to review information, so please call back tomorrow. 

On XX/XX/XXXX I contacted them again and was told that they could see that the loan was paid off on XX/XX/XXXX and that they would open a ticket to review the account. 

On XX/XX/XXXX I contacted Customer Service and I was told that the payment date was when the payment was received. I challenged this as their inability to receive payments should not make me liable for additional interest. The representative had a just deal with it attitude until I said that I would file complaints with the CFPB and my states AG if he didnt take it seriously. An escalation ticket was opened to review the account and I was promised a response within 10 days. 

On XX/XX/XXXX I contacted customer service as a response was not delivered within the committed timeframe. The first representative stated that the ticket was closed, but after being passed to a second representative I was told that the issue was still under review. I asked when I should expect a response since the initial commitment was not met, but she refused to provide any form of a timeline. 

At this time I have not received any of the overpayment of {$210.00} back.

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 2024-01-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-05 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: GA

Complaint narrative:
I am filing this complaint to TRANSUNION. I am requesting that all late payments markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

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 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2023 I transfered {$30000.00} from my bank to Citi Bank on line to open a new account for a 3 month promotion to get a {$600.00} bonus. During the next three months this unknown person continued to transfer money out of my account in the amount of {$20000.00}. When I went to withdray the money they told me that the account balance was XXXX. Someone had stolen my personal information. On the XX/XX/XXXX. I received a letter from Citi Bank that my fraud claim had been approved and honored. I contacted their consumer fraud dept. on XX/XX/XXXX. and was told that they needed documentation for the claim at which time I contacted the vice president branch bank manager and I am still waiting for my funds. Please Help.

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