vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TN

Complaint narrative:
Hunter Warfield is trying to charge me for a full months rent plus late fees and trash removal fees. Also for no returned keys. The leasing agent that I was in contact with during my move out is no longer working for the company. I put my notice in 60 days prior to moving out. My lease ended the last of XXXX. I moved out at the end of XXXX. That is 60 days! I cleaned my apartment from top to bottom. No damages were reported. I should have received a {$300.00} deposit that was paid prior to move in. I received a collection nearly 6 months later on my credit report for {$1700.00}. XXXX XXXX was the leasing agent I spoke with during that time. She verbally verified that I owed {$0.00}. She even called me when the new rental company I was trying to rent with emailed her for info. She sent my ledger over which was {$0.00} balance. As far the keys they were dropped off in the office after office hours. The little trash that was left in the apartment was bagged and ready to go to the dumpster. The only reason I didnt dump it is because the dumpster was over flowed! There was trash everywhere around the dumpster. I didnt want to add to the trash. There was no food left in the apartment. I also have a print out of my ledger with {$0.00} balance that was printed while on contact with current rental company. If I owed money then that would have affected my chances at getting my new place. They are trying to make me pay for something I am not responsible for. I put my notice in if the leasing agent dropped the ball thats not on me. I did my part. And moreover they changed leasing agents pretty frequently so it would be easy for a mistake to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
My son is assuming my mortgage. We submitted the documents over 1 month ago. I have reached out 3 times via phone and email and have been told different stories each time. Now Im being told the process changed during my application period and the servicer does not have access to where the application is or how long it may be before I hear something back. I have no way to phone. I emailed for status on XXXX and not received a response. I spoke to the service today and there is nothing more they can do, it is in the hands of Mr Cooper. This is a time sensitive matter and I need help getting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: NV

Complaint narrative:
cancel Date : XX/XX/2024 The original debt has been satified by XXXX and have no contractual agreement with XXXX XXXX XXXX that is reporting this debt on my consumer report. they are violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OCEANFIRST FINANCIAL CORP.
State: NJ

Complaint narrative:
Ocean First Bank in XXXX, New Jersey, repeatedly gave out my account balance to a number of people who deposited into my account. The account balance was given to these people without my consent, and provided on the deposit receipt, without verifying that the depositor was the account owner. I feel this is a violation of my Financial Privacy. When I made a complaint to the bank, requesting that they respect my financial privacy and not give out my account balance to people who do not own the account, they closed my account without explanation. I then spoke to the Vice President of Banking at the branch, and was not offered a resolution, simply told that they were closing my account without providing a reason why. The account closure happened not long after the complaint about the account balances being released by their staff, so I expect the two are related.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: AZ

Complaint narrative:
I was looking on my credit report XX/XX/year> and notice inaccurate information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX reporting that's hurting my credit score. I have reach out to the collection agency regarding the inaccurate report but nothing was done, so I reach out to the credit bureau as well. The credit bureau didn't remove the inaccurate information and according to my records and the terms of 15 U.S. Code 1666B ( a ), I believe that this charge is in error. As per 15 USC 1666B ( a ), a creditor may not treat a payment as late unless reasonable procedures are in place to ensure that each periodic statement is mailed or delivered to the consumer no later than 21 days before payment due date_. In this instance, I did not receive the periodic statement with the required information at least 21 days before the due date, which has led to the erroneous late payment charge. I have done research and Fair Credit Reporting Act, specifically 15 USC 1681 ( 2 ) ( a ) ( i ) XXXX XXXX SYSTEMS, and XXXX XXXX  XXXX are reporting with no transactions or experiences are allowed to be on a consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: NY

Complaint narrative:
This is my final notice before I pursue litigation against the consumer reporting agencies for multiple violations of my federal protected consumer rights. Please find attached the proof of claim that transactions and experiences were reported on my consumer report which is a violation because pursuant to 15 USC 1681a ( d ) 2 ( a ) ( i ) they are excluded from the report, subject to section 1681s-3. Despite multiple letters and disputes, the CRA 's continue to commit identity theft and fraud under federal law and fail to block the identified transactions pursuant 15 USC 1681c-2 ( a ). The unverifiable items listed on my consumer file are in complete violation because I never gave written consent which violates permissible purpose of consumer reports pursuant 15 USC 1681b ; And the fact that the furnished inaccurate accounts still remains on my consumer file violates 15 USC 1681e ( b ). The continued willful and negligent noncompliance has escalated my pursuit for justice and entitled declaratory relief sought from a higher court pursuant 15 USC 1681n and 15 USC 1681o. Again, the multiple violations that has occurred prompts me to exercise my right under the FCRA to XXXX out of reporting on my report. 
Please see attached supporting documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. I am writing to have the following information removed from my report. I have viewed my credit report and noticed there are accounts and addresses that appear inaccurate, nor does it belong to me. I have listed all accounts and addresses that appear inaccurate and were not authorized by me in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I urgently request to Please delete the items 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MO

Complaint narrative:
Friday XX/XX/XXXX I won money sports betting and XXXX $ was placed into my chime account I noticed chime had taken XXXX $ of it and named it as settlement fee I was left with XXXX $ I only noticed because of the betting I had slowed down on using chime due to high volume of people with that bank have found that they were being scammed and money was being stolen from them I didnt believe cause it had never happened to me but once this happened I looked back at all my transactions and sadly this wasnt the first time they had sneakily stolen XXXX $ from my paychecks since I opened my account and I never noticed. I proceeded to call to get it figured out and they told me that I owe them money from using XXXX XXXX  keep in mind my XXXX XXXX  started out at only XXXX $ as a limit so there is no way you can use your card past the XXXX $ limit my limit has never risen from XXXX $ since I opened my account in 2023 I was very upset they said they could no longer help me it just is what it is so Im taking further action maybe even sue this company because I have heard multiple people saying money had been taken from them and I dont mind a monthly fee for a bank account but XXXX $ fee reoccurring is outrageous and unheard of I will take any help I can get at this moment going about getting my money back soon as I do I will be deleting my account anyone who values their hard earned money should as well if I would of known about this prior to opening my account I would of never started with them they should be sued and I will do everything in my power to make sure they get shut down and no one else suffers from this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I did not provide my email to the company nor did i consent to receiving emails from the company. They have spammed my inbox with excessive emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF HAWAII CORPORATION
State: CO

Complaint narrative:
I began receiving letters from Bank of Hawaii stating that a checking or savings account was opened in my name. I am not certain when first letters arrived however I have 2 dated XX/XX/year> & XX/XX/year>. I called Bank of Hawaii and spoke with fraud dept. They stated the account was closed as soon as it was opened however a card and checks had possibly been issued and that I should cut them up. My Credit accounts are frozen so I am not sure how this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Dear Mr/Ms, I'm writing to complain about the unusual hazard insurance fees bill problem. 
The reason : Since XX/XX/year>, my lender bank has been adding {$140.00} to my loan for hazard insurance fees. 
This misunderstanding was caused by the fact that I was out of the country when my loan bank sent me a letter asking me to update my property casualty insurance information. So I never saw the letter. 
It was not until I came back 4 months later that I saw a letter informing me that my hazard insurance had expired and asking me to update my hazard insurance information. 
I contacted the bank in time to inform them that the house I bought was cooperative and that the building had bought hazard insurance fees for our shareholders on time every year. I hope they stop collecting this fee immediately. 
In letters and phone calls, the bank told me not to worry. 
And promised that as long as I provided valid hazard insurance information, he would stop and refund me the money he had overcharged. 
The current situation is : My loan bank stopped charging this fee in XXXX of this year. ( I think the insurance information I provided is valid, otherwise they would not have stopped charging ) The bank charges 16 more months, {$140.00} more per month. A total of {$2200.00} ( {$400.00} has now been returned, and {$1800.00} remains unreturned ). 
However, the bank did not have any explanation. Tell me why I can't get a full refund. 
In order to recover the overcharged fee, I wrote to the bank again on XX/XX/XXXX, but the reply on XX/XX/XXXX was unrelated to my appeal. ( In the attachment ) I wrote to the bank again on XX/XX/XXXX, asking the bank to refund the overcharged fees as promised. And asked them, if they think my appeal is unreasonable, please explain the specific reasons. 
But so far there has been no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: SC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have a checking account with Marcus Bank by Goldman Sachs ( www.marcus.com ). I want to transfer money from Marcus to an external account that has already been linked and verified. I received an email asking me to contact Marcus customer service and was not provided any explanation or reason. It turns out my transaction did not go through, and a hold was put on my account, but no reason was provided to me. I've provided all the information to establish my identity, including my social security number, bank secret word, and date of birth.

I have tried to call them three times starting XX/XX/XXXX. Each time, they want to verify my identity by sending a one-time passcode to my phone. But apparently, Marcus can not send texts to " ported numbers ''. So they can not verify my identity via phone. They said they could not verify my identity via the consumer report agency because I have a California driver 's license. They say they will not send an email to the address on the account. On each occasion, they said someone would call me. Almost a week later, I have had no calls from anyone and there is no way to escalate the issue. I require my funds to be transferred for an urgent business transaction. Without those funds, I stand to incur a significant financial loss. There is no other contact available to escalate the issue for speedy resolution. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I wish to file a complaint against Bank of America where I have a checking account. On XX/XX/2024 I noticed a debit from Bank of America on my checking account for {$100.00}. I did not authorize this payment. I called BOA to complain and they stated they would credit my account for the amount for the debited amount. However this did not happen and so I am writing you in the hope that you will see to it that my account is debited in the amount of {$100.00}. Please advise me of your action.

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 2024-05-16 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: TX

Complaint narrative:
Among many other things, herein attached to this complaint is very specific and exacting exhibits and proof i.e. cancelled checks, credit card statements, copies of old statements with paid off dates. 

CONSUMER FINANCIAL PROTECTION BUREAU shall step in and correct these issues. I am contacting my congressman and senators with a copy of this letter and the previous ones. Please see this is corrected. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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:
I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.

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 2024-05-16 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:
Unauthorized inquiries / Non-compliant reporting

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 2024-05-16 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:
Unauthorized inquiries / Non-compliant reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XX/XX/XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian issues are never ending. 
I believe I'm the victim of retaliatory actions from Experian. 

Please note : After I filed complaints against Experian, for the credit monitoring services charging my credit card and refusing to allow cancellation... I was completely locked out of my account for years! 

Now, my FICO is suspiciously lower than the other bureaus '! 

After many years of my entire Experian credit history not being available... 
Now I have an inaccurate and very low FICO score available. 
Experian is reporting a FICO score of XXXX Whereas both XXXX and XXXX report a FICO of XXXX That's too huge of a difference. 

The credit history generating these very different scores are the same. Meaning all three bureaus are reporting the same credit history... But Experian is reporting a totally different and much lower FICO score for the exact same credit history.

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 2024-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: IA

Complaint narrative:
I have filed several complaints pertaining to a payment plan to repay past morgage payments missed due to covid, the payment plan that was offered the payments where to high for me to afford, and I requested a lower payment, by extending the terms of repayment from XXXX months to a longer period ( XXXX months. They stated that they would send a reconsideration for my request to the XXXX department for a reconsideration of my request. I have just received an update to my credit report, and its states that the account is closed and in foreclosure, without any word on their decision to reconsider my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation