vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: CA

Complaint narrative:
I didnt apply for anything with XXXX XXXX you will see there are no accounts with them. 
All these inquiries happened in a short period of time. During the data breach period. 
I filed a complaint to have these inquiries removed. All XXXX inquiries need to be removed or proof of application needs to be provided. All show on my Equifax credit report only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: TX

Complaint narrative:
Please remove these inaccurate inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-30 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: TX

Complaint narrative:
Please remove these inaccurate inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: IN

Complaint narrative:
I am XXXX on a loan for a vehicle from XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX is the loan company for the vehicle. The payments are XXXX XXXX behind and on XXXX separate occasions XXXX XXXX has done a hard inquirary on my credit without consent. Once in XX/XX/2023 and again just a few days ago. This is making neg remarks on the credit ive been working on building up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
XX/XX/2019 I was forced to break my lease due to having to move because of business reasons which now I understand was due to beginning stages of COVID 19. I thoroughly had the home cleaned by a professional cleaner. An employee of XXXXXXXX XXXX  came to the home and did a walkthrough to take notes of the condition of the home. The person commented on how well the home was taken care of and said that I would have information forwarded to my new address, concerning my refund of my deposit minus any funds used for any redecorating needed to make the place ready for the next tenant. Some weeks later I received a statement with fraudulent charges and claims that I had broken things throughout the home including wall plates, toilets, and blinds. I attempted several times to speak to the person who was handling my account and was never given any direct access. After a while I was simply told that she no longer worked for the company. I wanted a copy of the initial walkthrough form that I signed before moving into the home to compare the damages I pointed out to those they claimed I did. I was charged for claims of excessive high grass and some fees that I did not agree to. In the lease, there was a clause about a redecorating fee which I was fine with but the fraudulent charges on top of the fees noted in the lease agreement is causing me to lose money due to the impact that the collection has done to my credit score. I believe that XXXX XXXX XXXX took advantage that was a renter and felt they could commit fraud without any repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I want these hard inquiries taken of my 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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM A VICTIM OF ID THEFT, THE ACCOUNTS BELOW ARE NOT MINE. 
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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
I was looking at my credit reports and notice there was things that are not correct. I sent a letter to Experian on XX/XX/. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX return tracking number : XXXX XXXX XXXX XXXX XXXX XXXX but its been more than 35 days since the credit bureau has not responded that violation of 15 US C 1681 ( a ) ( 1 ) ( A ). Under 15 USC, 1681 ( a ) ( 1 ) ( a ) subject to subsection ( f ) and expect as provided in the subsection ( g ), if the completeness or accuracy of any information contained in the consumers file at the consumers reporting agency is disputed by the consumer D consumer notice is the agency directly, or indirectly through a reseller. Such of dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the dispute is information is inaccurate and recorded the current status of the disputed information, or delete the item from the file in accordance to paragraphs ( XXXX ), before the end of the 30 day period on the date on which the agency received a notice of the Dispute from the consumer or the reseller.

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 2024-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
On my credit bureau report it shows that the debt for {$11000.00} from NATIONAL CREDIT SYSTEM was reported XX/XX/2019 however I was not notified in writing nor electronically prior to this being sent to this Collection Agency, National Credit System or reporting in on my credit file as a collection account. I was unfairly prevented from denying or acknowledging said debt. This has been a negative reflection on me as I am seeking to purchase a home.. Where is the debt validation letter? I had the write to receive prior to it being reported as a delinquency/collection account? However I am disputing the validity of this debt due to the fact that the Collection Agency is representing XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I have lived at my current residence for over 10 years and have the documentation to prove it my landlord will be able to confirm as well. My State Driver 's License, W2, Employment, and bank account all confirming my verifiable information. I have no documentation to submit inference to this debt except from what I show appearing on my credit files. However this invalid debt is preventing me from moving forward with purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I called Synchrony Band customer service on XX/XX/year> and asked if I would get their advertised certificate of XXXX XXXX APY for XXXX  months if I funded my unfunded Certificate of Deposit account on that date. The Synchrony Bank agent stated that I would, and did not mention any qualifiers or any possibility that I would not get this advertised rate. ( This conversation is on file with Synchrony Bank. ) I immediately funded my CD account via ACH transfer that day, XX/XX/year>. When I checked my account XXXX days later, Synchrony Bank had only given me XXXX XXXX APY on my CD. It is apparent they lied to me about the interest rate I was to receive and thus subsequently cheated me out of several hundred dollars over the course of the XXXX month CD.

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 2024-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
in XX/XX/year> vehicle totaled, my insurance company paid all but XXXX} of the balance remaining. Ally finance set repayment at XXXX monthly. I contacted ally spoke to several agents asking for a lower more affordable payment all agents declined to work with me. I have attached the dates and times I have spoken to Ally agents who declined to work with 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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
NewRez LLC has purchased my mortgage from another lender. This is my mortgage for my condominium and primary residence. 

They have sent multiple letters threatening to purchase " hazard insurance '' on my behalf, after I have provided all of the documentation they have requested. This hazard insurance has been purchased by my HOA, on time and with out any lapses, and I have provided this information several times. 

They are threatening to purchase this insurance to cover dates IN THE PAST (? ) at an expense that could be " significantly more than insurance I could buy myself '' ... it's outright fraud. 

The XXXX automated system, online help, and phone hotline are a dead end. No one calls back, no one can help. 


XX/XX/XXXX : Original letter from XXXX stating that they need a copy of my HOA hazard insurance. 

XX/XX/XXXX : Called and representative said it was just an initial letter and no policy would be purchased without more warning. 

XXXX  : I obtained and sent all of the insurance information. 

XX/XX/XXXX : Received second letter from XXXX saying what I provided was sufficient. 

XX/XX/XXXX : Received a new letter that says it's my final notice (? ) and need insurance information for dates that have PASSED, XX/XX/XXXX, XXXX XXXX, XXXX or I will be charged + {$500.00}. 
- XXXX does not include a place to send the information. 
- Chat agent is unavailable, no one calls back, on hold endlessly. 
- Asking for insurance information for dates that have passed and threatening to buy insurance for past dates and charge me for it (? )... For an insurance policy that isnt mine ( responsibility of the HOA ), for a policy that Ive already given information for. 

XX/XX/XXXX : Uploaded insurance document for all of XXXX to cover their new dates in question. 

XX/XX/XXXX : Received an email saying they received documents and will update my information within XXXX hours, they provided reference : XXXX XXXX XXXX New letter dated XX/XX/XXXX saying I havent provided the insurance information that I HAVE provided, and outlining a cost, for insurance that I dont purchase, for dates that are in the past. They say they will purchase this and add it to my escrow balance. 

XX/XX/XXXX : Filed complaint with XXXX 

XX/XX/XXXX : They have not returned my call for XXXX hours. XXXX system is a dead end. Online chat just gives you the number to their insurance department that no one answers. 

Infuriating and should be considered unlawful consumer harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Mortgage — Reverse 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: Ocwen Financial Corporation
State: TN

Complaint narrative:
I have an existing reverse mortgage line of credit that is being serviced by PHH. 

A week ago I requested a draw of {$300000.00}, using their fax request form. 
After a week and no money in my account, I called them and they told me the request was denied because I did not have the request notarized. The form only says they MAY request a notary, but no one called me to tell me this was denied or they were requiring a notary. 

I got another request form, and had it notarized online on Monday, I just called PHH again to get a status of the second request, and was told it was denied because my signatures didn't match. 

First of all, I closed on this loan 7 years ago so our signatures would not match, but more importantly, this was notarized online, a perfectly acceptable process, and the only way you can sign is electronically in front of the notary. 

They have my money and are not giving it to me. I am in the middle of a real estate transaction which is now going to cost me penalties because I can't provide the funding I agreed to provide. 

I am more than upset that they keep changing the rules on me. There should have been an initial disclosure that any request over X number of dollars will require a notary, and that online notaries are not acceptable. Instead, they keep making up the rules as we go along here, and never bother to reach out to me. They said they called but my number was disconnected which is XXXX. I have had the same number for years. 

Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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:
I am a resident at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To be clear, I am a shareholder, not the property manager of the building. I own a XXXX apartment within the building. 
On XXXX I received information that I was being charged XXXX separate payments of {$57000.00} from the XXXX XXXX XXXX XXXX, through my mortgage company, XXXX. This was the quarterly taxes of the ENTIRE building, that I was now being held responsible for. The tax department of the city negligently sent my mortgage company the charges, and they paid these charges without alerting me of the changes or charges and it is showed for months on my loan that I owed this money. After a very long exhaustive process of trying to get to the bottom of the issue, we never found it but were able to resolve with another parent company of XXXX, XXXX. I was charged $ XXXX to my bank account and still had the records of owing over $ XXXX on my mortgage statements. I eventually got that money back and though the taxes owed were taken off, you can still see that history in my mortgage statements. As of XX/XX/XXXX, I have now received my XXXX XXXX a year later and in XXXX XXXX it states I paid {$57000.00}, which is false. This company has several class action law suits against them. I am unable to move to another company. They and my property management team ( XXXX XXXX ) have done nothing to assist me then and aren't assisting me 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 2024-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> at XXXX XXXX mobile deposited my paycheck from my employer on Cash App for the amount of {$1300.00}. I was told it would be available in XXXX business days. Its now been 10 days total ( XXXX business days ) and I still dont have access to my funds. Whenever I reach out to support for help they refuse to help me or give me an update. Ive called support, spoke to them through the app, even reached out through social media and Ive yet to receive any type of help. This has caused me to be late on credit card payments which has affected my credit. Now Im risking not being able to pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Medical debt account less then 1 year old being reported on my credit as collections : XXXX XXXX XXXX {$2800.00}

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Medical debt account less then 1 year old being reported on my credit as collections : XXXX XXXX XXXX {$2800.00}

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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against Capital One concerning recent actions taken on my credit account, which I believe may constitute a violation of the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691. The XXXX ensures that all consumers are given an equal chance to obtain credit, without discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, or because all or part of an individual 's income derives from any public assistance program. 

I was recently a victim of identity theft, a situation which was resolved appropriately and in a timely manner. Following this, I applied for a Capital One credit card and was pleased to be approved, given my diligent efforts to maintain a credit score in the XXXX, which typically reflects responsible credit management. 

However, my satisfaction was short-lived as my account was soon restricted and I was requested to provide additional information for verification purposes. I complied promptly with this request. Subsequently, my account was restricted once again, and I was informed that further documentation was needed. I honored this request promptly and diligently, providing all necessary documentation as required. 

Despite my compliance and the provision of all requested information, it has now been over 10 days without any response from Capital One. Currently, my account remains deactivated, rendering me unable to activate and utilize my credit card. This situation is not only inconvenient but also concerning, as it appears to be an unjustified and potentially discriminatory impediment to my access to credit. 

I believe this treatment may violate the provisions of the Equal Credit Opportunity Act, as it seems to unjustly deny me the opportunity to extend my credit. This is particularly perplexing given my strong credit standing, which should theoretically facilitate smooth financial transactions and services. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter to ensure that my rights, as well as the rights of others who may find themselves in similar situations, are protected. I am willing to provide any additional information or documentation that may be required as part of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
A fraudulent account was opened after a debit card was sent to someone in XXXX  and that person proceeded to access our accounts and make XXXX large withdrawals without any red flags popping up. This is Citizens Bank by the way. 
All cashiers checks were handed out by XXXX different tellers at XXXX different branches in XXXX. We live in XXXX. 
We were told that the monies will be returned to our account within XXXX XXXX days by XXXX of the branches we visited to closed the accounts while another told us it will be a couple of weeks then today we receive a letter telling us they denied the claim for insufficient evidence. There should be video evidence showing the tellers handing over the cashiers checks. We have XXXX of the check numbers given to us by the first banker we spoke to. We are still waiting to get the XXXX check number from the bank. 
The total amount stolen or rather given away is {$27000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 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: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I wanted to opt out of the reporting of the utilization of the credit card.Per the law 16CFR313 the Privacy of Consumer Financial Information Rule under the Gramm-Leach-Bliley Act they are violating the law of reporting to a third party.

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