vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 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: FL

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.

has violated my rights. Or a list of inquiries : 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 a 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 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 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 2024-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
According to XXXX  XXXX  I owe almost XXXX $ on a care credit card from synchrony bank. They said the date was from XXXX  and i XXXX  XXXX XXXX XXXX  from XXXX Then XXXX  XXXX  changed the date to XXXX. When i left America in XXXX i had paid off all my bills. Everytime i call XXXX, XXXX  XXXX, or synchrony bank no one can give me any facts on what this XXXX $ is from. I am afraid it is fraud and it is on my credit and i can not get an apartment.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I have responded to this companys debt collection and ask d them to validate band provide any evidence of indebtedness to which they have a signed contract with me. They have failed to respond and/or furnish any evidence. They have violated my consumer rights and civil rights by making false and negligent claims against my public consumer report. Therefore, I am seeking compensation from Radius Global Solutions. The fact they are third party debt collectors I have not granted or given away any of me permission for public disclosure of my financial information. I dont owe any debt nor am I responsible for payment of any alleged debt owed. 

I want them to remove all reporting in regards to this account 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 2024-01-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have contracted a no interest if paid in full loan to pay an XXXX unit from XXXX through Wells Fargo. I have inadvertently missed the paid in full due date by a few weeks and am now being charged XXXX $ Interest for an initial loan of XXXXXXXX XXXX ( contracted XX/XX/XXXX ). When I realized that the interest has been charged ( XX/XX/XXXX ) I called Wells Fargo customer service and offered to payback the loan but the bank did not offer any solution ( there was less than XXXXXXXX XXXX left to pay on the loan at the time of the promotion deadline on XX/XX/XXXX. I would like to complain as it does not make sense that, while I have never missed a payment and with only XXXXXXXX XXXX left on the balance, I now have to pay an additional XXXXXXXX XXXX  on that loan. This is abusive. Also, how is it that the payment schedule agreed at the beginning does not allow me to pay in full before the expiration of the promotion period? This seems to be designed to have customers missed the deadline.

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 2024-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I hold a mortgage with Freedom Mortgage. In XXXX, my scrow payments amounted to {$6000.00}, and in XXXX, they increased to {$7200.00}. However, in XXXX, there was an unexpected and significant hike in my escrow payments, soaring to {$22000.00}, which is an alarming 400 % increase from the previous year. Despite my efforts in requesting a re-evaluation of this surge, the escrow was further raised. 

I have been informed of a supposed deficiency in my escrow account and acknowledge that taxes and insurance costs may fluctuate. Nevertheless, the rationale behind such a steep 400 % increment in escrow remains unclear, as the explanations provided are inadequate and unsatisfactory. 

Regrettably, my attempts to seek a resolution or to engage with a supervisor for further assistance have been unsuccessful. The only solution presented to me is to comply with and absorb this substantial 400 % increase in payments, a proposition that is both unreasonable and financially burdensome.

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 2024-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: TX

Complaint narrative:
I was approved for a XXXX XXXX XXXX on XX/XX/XXXX with Carvana, with a deposit of {$2100.00} and a shipping fee of {$1700.00}. The funds were withdrawn from my account on XX/XX/XXXX, and I received an email stating that the vehicle would be delivered on XX/XX/XXXX between XXXX XXXX XXXX  XXXX XXXX XXXXXXXX. I received an approval email from Carvana on XX/XX/XXXX, as well as tracking updates for the vehicle on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, advising that the vehicle is en route and that I should have the necessary driver 's license and insurance documents ready at the drop-off. 

However, on XX/XX/XXXX, I received an email requesting that I upload my phone bill, which I promptly did. On the delivery date, XX/XX/XXXX, at XXXX XXXX, I received an email requiring me to upload 2 years of tax statements and 6 months of bank statements by XXXX XXXX. Unfortunately, I woke up after the deadline, and the delivery was subsequently canceled. I called Carvana and informed them that I did not have tax documents for one of the years requested. I was advised they would not deliver the vehicle without these documents. Furthermore, Carvana denied a refund of the shipping fees, even though I was not made aware I would need these documents until the day of delivery. Carvana left me with no options to make an informed decision before withdrawing funds from my account. They have only refunded the down payment, not the shipping cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
As of XX/XX/2023 this collection account was listed on my XXXX and XXXX report. The collection account was previously deleted as they did not provide me with verification from the original debtor. I contacted the original debtor and they could not provide me with the original debt as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: NJ

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any

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 2024-01-02 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 am writing to express my concern regarding the unauthorized and fraudulent inquiry on my credit report " XXXX XX/XX/XXXX  ''. I have submitted multiple complaints to the credit bureaus requesting verification of this item, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate this entry. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hello, my scheduled payment for XXXX was scheduled like every other month and come XX/XX/XXXX I personally realized that the money never came out of my account. I personally called new Rez to try to figure out why the money was still in the account and they still showed it pending on their end. No issues. Come XX/XX/XXXX I called again as money was still in checking account and that's when they said it looks like the payment got rejected I immediately said there's no reason for that please try it again the money is there And they took the payment and everything went through fine. I've been personally reached out to new rez via email as you can't speak to anyone via phone regarding credit reporting, providing documentation from my bank account showing the money was there and there was no reason for the payment to be rejected. Neither XXXX or XXXX charged me any NSF fees because there was technically money there But I begged and pleaded them to not report this to my credit report as it's always hard to get it removed and let 's be proactive and not make this an issue and here we are it got reported. I provided them big statement showing money was there I provided everything that I could think possible to prove to them that I was the one that initiated the payment and followed up on the payment being processed and had I not of done that nobody would have notified me I wish I would have known prior to XX/XX/XXXX because I would have re-issued the payment then The only reason it got re-issued after the fact is because I again caught the error on their end now they're trying to tell me it was rejected by the bank I understand their obligation to report negative credit but though this is not the scenario the money was there I have always made my payment on time there is no reason for this to be a late payment as I immediately told them to retake it and they got their money I asked for them to immediately reverse the negative reporting on my credit report because they got their money when I told them to retake it and they got there they should've got their money timely in XXXX if there wasn't an error on rejection through all this automated nonsense and you're not able to talk to anybody about it. 
Had I been able to talk to somebody about it at the end of XXXX there would never have been an issue Please remove the negative credit reporting. Per the attached the money shows it was taken out and no NSF was charged therefore they know this was made timely and it was an error. Not by me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Kikoff Inc.
State: IL

Complaint narrative:
Upon checking my credit report today XX/XX/XXXX, I noticed the company Kikoff has not reported since XX/XX/XXXX. I pay for premium service. On their website they state they report monthly to all 3 credit bureaus. Reporting does depend on when you start with them but I've been with them well over a year. I'm paying for a premium service each month, they as a company should provide the service I'm paying for. It's a credit building entity. How is this building positive credit building if it's not being reported?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I experienced a severe XXXX condition that affected my ability to work and thus my ability to pay my bills. I contacted all my creditors and asked them for forbearance- until I could start receiving XXXX pay and/or get back to financial stability. 

Every creditor BUT Citibank was willing to work with me and I kept my payments and my credit record unblemished. 

Citibank 's customer service response was clear and unconscionable. When I asked their Customer Service staff for assistance their response was clear & unequivocable. When I told them of my severe XXXX XXXX they told me : " That Citibank would just recover what I owed from my estate when I was dead. '' I offered to pay what I could for a time but they said that " unless I paid the full amount due that they would close my accounts and report my non-payment to the credit bureaus. '' That I would never get another credit card for as long as I lived. '' Well they were true to their word- they closed my XXXXXXXX XXXX XXXX XXXX XXXX  cards and destroyed my XXXX Rating. All my other XXXX accounts were paid the best I could and worked with me to resolve my debts to them. I will never forget the Citibank Customer Service person asking if I had Life Insurance and when I told them I did they said : " looks like you are worth more dead than alive ''! 

I am now being hounded by lawyers for Citibank telling me that they will sue me and take everything I have. 

Citibank Account details : # XXXX : XXXX XXXX Signature : XXXX # XXXX : Citi XXXX XXXX : ending in XXXX # XXXX : Citi XXXX ending in XXXX ( I never requested relief on this card after my experience with the above XXXX. ) I sincerely hope that you can assist me in this matter! 

Thanks in advance!

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 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Ive been receiving repeatedly calls from this company a day and when I finally answered once the young lady basically threatened me that if I did not pay the balance basically it will continue to have a negative remark on my credit all calls are recorded for training purposes so Im highly sure this call can be pulled up and listened to to prove what I am saying now, I have no knowledge of owed money with this company Ive previously disputed the charges in that card so im not sure why there will still be a balance on the card, Im only on one account with this company and im an authorized user

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: MD

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRA regulations. Attached you will also find my ID, and my Proof of Address.

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 2024-01-02 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: FL

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.

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 2024-01-02 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: FL

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.

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 2024-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
Received Friday, XX/XX/2023, XXXX XXXX " FROM : First National Collection Bureau , Inc . 
TO : XXXX We are contacting you regarding an important personal business matter. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a text from a debt-collector. Call us at XXXX or visit us online using reference number XXXX at fncbinc.com. Reply STOP to stop texts '' I replied stop. These messages have continued, documented on Monday, XX/XX/2023, XXXXXXXX XXXX and Friday, XX/XX/2023, XXXXXXXX XXXX  Phone calls not included, but have been made since. 

Because my name is not XXXX and I have asked them to stop I would like to pursue this further.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: TX

Complaint narrative:
I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation