vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Report of Mortgage Document Fraud on XXXX XXXX XXXX XXXX  Contract Agreement To Whom it may concern, I hope this email finds you well. I am writing to urgently report a concerning issue regarding my original mortgage documents from XX/XX/XXXX to XX/XX/XXXX. Upon reviewing the original loan contract agreement and disclosure statement, I have discovered evidence of document fraud perpetrated by US Bank and XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. 

It has come to my attention that the dates on the original XXXX loan contract documents have been altered and blocked out with the date maliciously changed from XX/XX/XXXX to XX/XX/XXXX, and XX/XX/XXXX, without my knowledge or consent. Such manipulation constitutes a clear breach of contract and amounts to mortgage home equity fraud. 

This discovery is deeply troubling and warrants immediate legal action. I am reaching out to seek your guidance and expertise on how to proceed with addressing this egregious violation of my rights as a homeowner. I believe it is imperative that we take swift and decisive action to rectify this situation and hold the responsible parties accountable. 

Please advise me on the necessary steps to initiate legal proceedings against US Bank and XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX for their fraudulent actions. Additionally, I am available to provide any further documentation or information you may require pursuing this matter effectively. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and guidance on how best to proceed. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: MD

Complaint narrative:
I believe FCRA 605B necessitates the removal of any erroneous accounts from my credit report. Could you kindly review the documents? Some of the accounts listed are incorrect in terms of reporting, with inaccurate amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: NY

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: NJ

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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:
In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge 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: TX

Complaint narrative:
On XX/XX/XXXX, someone accessed my information and purchased airline tickets with my credit card. The purchase totaled {$270.00}. Contacted Citibank and attempted to file a fraud alert, however they processed the transaction as a dispute. The merchant responded back defending themselves stating the flight was taken by the fraudster. However, the bank is separating their liabilities from this matter and is not further helping. They said they can not raise this as a fraud claim because I had interacted with the merchant before. This is not an authorized purchase and I raised the pertaining police report as well.

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 2024-05-03 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: NY

Complaint narrative:
After reviewing my credit report, I have found a number of inaccurate information listed such as names, addresses, closed accounts & debt. 

It is my right under the Fair Credit Reporting Act to ask for the name & address of the business that claims the debt. 

My request is for they either to verify the information or to remove the debt from my credit report. XXXX, Experian, XXXX and XXXX XXXX are not maintaining reasonable procedures. 

I request that you comply with the law and give me the verification in writing within 10 working days of receiving this letter. It is important that I correct my credit report as soon as possible. 

I, as a federally protected consumer, am invoking my specified remedy as a consumer, and the debtor, I hereby demand all of the following : I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease & desist all forms of communication with me through any and all mediums UNLESS it pertains to my remedy in WRITING via mail pursuant 15 USC 1692c. ( c ).

I, the affiant and consumer, in writing with adequate information on all forms of remittance " accepted '' and the remittance provider address and the name exactly as it appears on the I.R.S statements so we can resolve this issue post haste. If you are not familiar with remittance transfers, please see Regulation B 12 C.F.R Subpart B " Requirements Remittance Transfers '' for your reference.

I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully. I declare under penalty of perjury WITHOUT the United States ( 28 U.S.C 1746 ) that the Above is the Truth, The Whole Truth and Nothing but the Truth to the best of my knowledge and Overstanding.

The Fair Credit Reporting Act 5 Common Violations which include inaccurate violations, incorrect addresses, unauthorized accuses and right authorization are all violations.

15 usc 6802-6805 Disclosing my information 9-607. COLLECTION AND ENFORCEMENT BY SECURED PARTY 15 U.S.C. 1692e ) If a debt collector does violate the FDCPA they can be liable for up to {$1000.00} in damages plus any attorney 's fees. Meaning you all have been calling me about debts that have been CLOSED and PAYED off with GAP insurance and insurance. You can NOT collect on a debt after its been closed or payed off. You have violated my rights.

Additionally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
According to FCRA XXXX, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
I structured my XXXX payment through XXXX as an electronic payment which Apple wouldve received on the same day that payment was scheduled, XX/XX/XXXX. Apple, according to XXXX, instructed XXXX to send a paper check instead. Through the mail. XXXX processed that check on XX/XX/XXXX and did as Apple requested, mailing it. Apple received that check on XX/XX/XXXX, but did not post it until XX/XX/XXXX, resulting in a {$52.00} interest charge for late payment. 
The fact that Apple declined an electronic payment and instead created this situation of unnecessary delay, not only through requiring a mailed check rather than electronic payment, but also by failing to post it even though it has been in its possession as of XX/XX/XXXX is entirely Apples problem. Charging me interest under these circumstances strikes me as a scam and I am quite concerned about this. I have had this Apple credit card since XX/XX/XXXX. I have always paid the balance in full electronically on the last day of the month and my account has always been credited immediately with that payment. This changed two months ago when Apple twice converted payments from electronic payment to paper check and Failed to post the check upon timely receipt. In both circumstances Apple charged interest. They reversed the interest charge from my XXXX payment after I complained to you, but have not done so for XXXX. I was told by two Apple supervisors that Apple is trying to move customers away from third-party payment platforms like XXXX, and instead encourage people to pay through Apple XXXX. By creating a situation causing the late payment, and then charging interest, I believe Apple is engaging in unfair and deceptive trade practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-03 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: MD

Complaint narrative:
I believe FCRA 605B requires us to eliminate any inaccurate accounts from my credit report. Can you please examine the documents? Some of the listed accounts have inaccurate reporting, with incorrect amounts and dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I mailed a certified membership application to DCU on Friday XX/XX/year>. The membership application was for my newly born son to establish a savings account for him ( born XX/XX/year> ). 

I previously worked for this credit union from XXXX. Additionally, I have continued to be a relationship membership for over 13 years, as has my wife. We use DCU as our PFI, however this may be subject to change.

Once DCU received my membership application, the reached out and stated they needed a copy of my driver 's license and my wife 's driver 's license as we both wish to be joint owners on this savings account. On page XXXX of DCU 's membership application it states : " If you are already a DCU member, you are not required to provide the REQUIRED IDENTIFICATION, but you must provide your DCU Member #, Legal Name, and SSN below. '' On my application, I provided all the necessary information outlines on the disclosures of the membership application indication my membership number, name, and SSN, and did the same for my wife. DCU is now refusing to open the membership unless I provide both mine and my wife 's license to " verify who we are. '' I find this quite absurd that a credit union I worked at for XXXX years, and banked with for this long is now requesting this information to verify my identity. Not only that but both my wife and I have had multiple loans ( Credit Card, and XXXX ), and establish XXXX other minor accounts for my other children. How much more verification outside of what was needed to be employed and bank there this long do they really need to establish an account for my son? This is beyond the extent of what is reasonable and practical to establish this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a credit card payment of {$3000.00} to Citi Bank. The funds came from XXXX XXXX XXXX XXXX account. XXXX told me that funds were taken out to pay Citi bank. 

Citi bank made multiple attempts to take {$3000.00} from bank. Which caused my bank to send Citi a statement of insufficient funds. Citi tried to at minimum of XXXX payments of {$3000.00} which is about {$12000.00} from bank. 

Citi proceeds to say they never got my payment even though I provided my bank 's XXXX ID for the transaction. Citi continue to search but closed the dispute I had with them regarding this issue. I was given false information 3 times about this case. 

I went ahead ask XXXX to reverse the charge because Citi was taking long to response and providing false information. XXXX reversed my funds of {$3000.00} on XX/XX/XXXX. On this same day, I told Citi to close my dispute regarding the lost payment since XXXX has reversed the transaction. 

Later that day of XX/XX/XXXX, I made a payment of {$3000.00} but on XX/XX/XXXX I was told the payment was declined. I called on XX/XX/XXXX to dispute as my bank has processed my transaction already. This day I found out that Citi has charged me an extra {$3000.00} to my account. So instead of oweing Citi about {$5000.00}, I owe them now about {$8000.00} because they charged my account {$3000.00} a second time because their system is having issues.

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