vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

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 2024-04-26 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: IL

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

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 2024-04-26 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: MA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
We show we were paid off in XXXX of 2023. They say we still owe {$96000.00}. They have been impossible to contact on the phone. We keep being directed by phone prompts, and no human picks up the phone. We contacted our attorney, and he was not able to speak with a human, and no one returned his phone calls. We are very frustrated and need immediate help. We continue to make payments, we receive a recorded message when our payment is one day past the due date, but not late. If they continue to call us with reminders, why can't they pick up the phone????? 

We received a history of our payments that shows NSM created an escrow account for payments we have personally made previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: GA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I attempted to deposit mine and my wife 's federal tax return of {$5100.00} using Citibank 's mobile deposit service into my personal checking account. Our joint account can not accept a check through mobile deposit. I followed the instructions that were on the website. I signed the back of the check and deposited the money. The following day, Citibank rejected the deposit. No reason was given. On XX/XX/XXXX, I went to the Citibank location XXXX XXXX XXXX XXXX XXXX XXXX and deposited the check via ATM. The machine accepted it and the transaction was noted in my transaction list as a positive amount. I had no reason to suspect that there was anything wrong with my deposit. On the morning of XX/XX/XXXX, I checked my bank account on the Citibank app and saw that there was a negative balance of - {$2600.00} ( the paycheck I received from my employer of {$2300.00} is the reason for the difference ). I tried contacting customer service and was not able to resolve the issue over the phone. On the morning of XX/XX/XXXX, I went to the XXXX XXXX branch location and they gave me the reason for the rejection. According to staff at Citibank, because the check was made out to both of our names ( mine and my wife 's ), both of us needed to sign the check and the check needed to be deposited in-person with a teller. When I asked how I was supposed to know that, they said " it's policy ''. The banker confirmed that they don't give reasons for rejection of check deposits, so there was no way for me to know that I needed to follow the steps above. On their website, under the mobile deposit section, it says nothing about requiring both signatures, it just says " sign the back of the check ''. On top of this already frustrating issue, they did not actually include any rejection reason for the mobile deposit either. I asked for paths of resolution, and they said that the only path is to wait for the replacement check to arrive in 7-10 business days, or to request that the IRS reissue the check. I find this unacceptable, as the policies they stated were opaque and place undue financial hardship on my personal finances for what should be clearly stated in its online mobile banking policies. Even a timely rejection notice with a reason would have been acceptable.

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 2024-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I found out my federal student loans were transferred again, this time to MOHELA. After calling and waiting on hold over 2 hours, I finally spoke to someone to set up auto debit withdraw to make sure my payments would be timely, as you can see my credit score I pay everything on time. I was assured over the phone in setting up the date for payment each month. Then I got a notice I was charged a late fee due to the date the mohela representative told me would be appropriate for keeping my payments on time and in line with the expectations for repayment. I have reached out through their secure portal inquiring and requesting they remove this late fee as it occurred due to the guidance is their employee. They have not provided any documentation about who that person was or when it was it processed, just sent me a form about auto debit and didnt even address my question at all. I then sent another message asking them to please address my question about the late fee and they just sent me a document talking about late fees. They have been absolutely awful to work with, do not know what they are doing, providing false and inaccurate information with ridiculous wait times, and fraudulently charging late fees. I just want the late fee removed at this point and would love to switch to another company due this but I dont think I have any ability to do so as it was switched to mohela without my consent. 15 years ago my now ex husband had a loan through mohela and they were horrible then and even worse now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: IN

Complaint narrative:
I just checked and reviewed again my Experian credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-04-26 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: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
My identity was stolen someone used my information to open a credit card by the name XXXX XXXX XXXX AND THE DEBT AMOUNT WAS SENT TO DEBT COLLECTOR BY THE NAME OF PORTFOLOIO RECOVERY ASSOCIATES ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PHONE NUMBER XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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 want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any 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 non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I'm disputing this account. I'm asking for them to prove 100 % verification or validation. So I'm submitting through this site to get the help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? 

Please stop collections immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
This is a continuation of the incompetence of Mr. Cooper servicing XXXX XXXX Mortgage. I filed a complaint and it has only gotten worse since. 
On XX/XX/XXXX, I used my XXXX bank online bill pay to pay Mr. Cooper ( services XXXX XXXX XXXX XXXX XXXX sends them a check. On XX/XX/XXXX, I checked online at Mr. Cooper, the payment had not been processed. I called Mr. Cooper and was told they had not received it : might be lost in the mail. To avoid late fees I would need to pay online through XXXX XXXX portal ( which has had several security issues ). However, I paid a XXXX time online at XXXX XXXX and cancelled my initial payment. They sent me a cancel check fee. I talked with someone and they took care of the canceled check fee but now I have a late fee! 
Here is where this continues ( after initial complant ) Got the late fee taken care of. THEN for some unkown reason... Mr. Cooper has now reapplied the late fee after removing it!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I checked my credit reports on XXXX XXXX XXXX, and noticed that these accounts are still reporting inaccurate information. I have provided documentation to fix these accounts but nothing is getting done. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX. On my XXXX report I provided previously it showed no late payment for the closed XXXX account and you keep putting XXXX on my report when it's a 1099-C with legal paperwork from XXXX telling you to delete this account. XXXX XXXX XXXX XXXX XXXX have Late payments when I in fact had XXXX XXXX XXXX XXXX XXXX  and legal paperwork under the cares act late payments are not allowed because of a XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I checked my credit reports on XX/XX/2024, and noticed that these accounts are still reporting inaccurate information. I have provided documentation to fix these accounts but nothing is getting done. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  report I provided previously it showed no late payment for the closed XXXX account and you keep putting XXXX on my report when it's a 1099-C with legal paperwork from XXXX telling you to delete this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments when I in fact had XXXX XXXX XXXX XXXX XXXX  and legal paperwork under the cares act late payments are not allowed because of a 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 explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have repeatedly sent Equifax Police Reports showing that my vehicle containing my wallet was stolen and demanded that Equifax produce original wet ink signed and dated contracts bearing my wet-ink autograph, they ignored the Police Reports and not produced any of the demanded original wet-ink contracts, and persist in allowing XXXX  XXXX XXXX XXXX XXXX report as open an account that was listed in Bankruptcy Court case number XXXX XXXX XXXX XXXX as fraudband was discharged , a gross violation of Federal Law and Contempt of Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I made a {$1000.00} payment via XXXX ( What Bank of America offers its customers to conduct P2P transfers ) for the purchase of a pinball machine found on XXXX XXXX. The payment was made to a XXXX XXXX XXXX in XXXX. MO. Funds were sent to XXXX 's alleged wife, XXXX XXXX XXXX via email - XXXX.On XXXX I sent the remaining balance of {$3500.00} to XXXX using the same payment format ( These funds were sent from one of my other Bank of America accounts ) . XXXX confirmed he was preparing the pinball machine for shipment and advised he was using a freight company called XXXX XXXX XXXX, which is a legit shipping company. XXXX also provided his phone number in case I had any additional issues or questions ( XXXX ). XXXX confirmed the machine was picked up on XXXX/XXXX/XXXX and would be delivered to my residence on XX/XX/XXXX. On XX/XX/XXXX I requested the bill of laden for the shipping company from XXXX. XXXX stated he would send it to me asap. No bill of laden was ever sent. After no word from the shipping company on XX/XX/XXXX, I called them. The representative I spoke with didn't have any record of a XXXX XXXX scheduling a pick up, nor were there any deliveries scheduled for my address. I immediately attempted to text and call XXXX. Come to find out the phone number was a computer generated number and it appears XXXX had hacked another XXXX account. I have since been blocked from that XXXX XXXX. To this day I have not received a pinball machine or refund from XXXX. Bank of America took my compliant however denied my claim of {$4500.00}. I have been a loyal customer of Bank of America for over 20 years. I have also filed fraud claims in the past where they have provided provisional credit for claims I had authorized. Although the monetary amounts were much smaller, I feel that Bank of America is refusing to help due to the significant dollar amount involved in this fraud. " World Class Customer Service '' they claim. Not so much. Extremely disappointed.

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