vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 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: GA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Mr. Cooper had deleted years of statements to hide errors. Attached Statement showing what is due in XXXX, this is one of the missing statements. When we see what is due for XXXX its gone up something like {$50000.00}?!?!? why? please explain

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: E Z CASH OF DELAWARE, INC.
State: MD

Complaint narrative:
I paid this company far more than what I was expected. The employee told me that I would owe ( 9 ) payments of {$250.00} which equals {$2200.00}. I ended up paying this company close to {$4000.00} on {$1100.00} loan. The lady whom calculated my loan failed to take my payment using my new debit card and now shes penalizing me for her actions. This place is a total rip off. 

The place in question is called EZ Cash of XXXX. The address is XXXX XXXX XXXX. XXXX, Delaware. This place needs its doors shut because they prey on undeserving people and its not fair.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-11 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: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Credit card balance was paid off in full on XX/XX/XXXX but payment was due XX/XX/XXXX. Capital One then issued additional charges on XX/XX/XXXX on a {$0.00} stating that the amount due on the statement does not include the payoff amount. I asked if the the statement states that, the senior account rep said no. I then asked if there was some documentation which has that, and the senior account rep said he could send me the Terms and Condition in the mail. I agreed to look at the terms and conditions but I will have to pay interest while I wait for the Terms and Conditions in the mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2023, I receive an email from CHASE thanking me for applying for a Chase Freedom Unlimited credit card. I also received an alert from XXXX notifying me that my credit file had been updated. I logged into my XXXX  account and noticed that JPMCB CARD SERVICES received a copy of my XXXX Credit Report. I have never applied for any Chase credit card and I did not authorize them to pull my credit. I put a freeze on my credit file with all three bureaus and asked them to submit a fraud alert. I called XXXX to dispute the hard pull on my credit and will also be calling XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: FL

Complaint narrative:
I am writing to formally complain about the handling of my request to block information pursuant to 15 USC 1681c-1, as allowed by the Fair Credit Reporting Act ( FCRA ). This complaint is in response to your denial of my request to block information related to identity theft, as detailed in your response dated XX/XX/. 

I have submitted multiple valid requests, which were supported by identity theft reports filed with FTC on XX/XX/. Additionally, I provided all necessary documentation to support my requests, including, but not limited to, a valid driver 's license, identity theft reports, proof of address ( bank and mortgage statements ), a copy of my consumer report, a copy of my Social Security card, and the required statement to request the block. 

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 XXXX XXXX XXXX In your response, you stated that my request was declined based on the following reasons : - My request to block was made in error. 
- My request to block information was based on a material misrepresentation. 
- I knowingly obtained or should have known that I obtained possession of goods, services, or money as a result of one or more of the transactions that I am seeking to block. I assert that these denials are without merit and are in violation of the FCRA. I have demonstrated the validity of my identity theft claims and provided all necessary documentation to support my requests. The denial of these requests without proper investigation is a violation of my rights under the FCRA, including my rights to accurate reporting, the right to block information resulting from identity theft, and the right to dispute inaccurate information. 

As a result of these violations, I have suffered financial harm, emotional distress, and other damages. I am seeking resolution to this matter and a correction of my credit report in accordance with the FCRA. 

I kindly request that you conduct a thorough review of my case, reconsider my request to block the information related to identity theft, and take the necessary steps to correct my credit report. I also request a written response detailing the actions you intend to take in response to this complaint, All disclosure, and names, numbers and addresses of all individuals or entities spoken to validate and verify all information I expect your prompt attention to this matter and a timely resolution of the issues raised. If necessary, I am prepared to seek legal remedies to protect my rights under the FCRA. 

Also included are all documents provided with initial reports, responses from 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 2023-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: NJ

Complaint narrative:
I have applied for a mortgage on the purchase of a new home. When our mortgage lender pulled, on XX/XX/2023, our credit every Credit Bureau reported except my Equifax reported. Even my wifes Equifax appeared. The mortgage lender contacted his credit company XXXX. The lender was initially informed that Equifax was reporting INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE. The XXXX file number is XXXX. I am now almost {$500.00} in credit reports because of this issue and miss reporting. 

I am being informed that without that 3rd Credi Bureau XXXX XXXX and XXXX XXXX will not afford me financing and it will cost over {$12000.00} in additional fees. 

Prior to this application I have never contacted Equifax. Since this application has been initiated, I have spent over XXXX hours on the phone with Equifax or on hold for Equifax. I have confirmed my name, address SSA Number and forwarded them Government Identification. 
As recently as Thursday XXXX XXXX Equifax informed me the issue had been cleared on their end ( this is not the first time they indicated it was resolve ). The Lender waited until Monday XX/XX/2023 to re-pull the credit. Equifax will not coordinate with XXXX. Nothing had changed. 

Please, can you help me? 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I was never informed that they are my new service provider and that i had a payment due but had to find out by noticing interest added to my loan on my credit burea. I thought i had XXXX. I have never heard of these people or knew i had a payment due last month and so i tried to sign in and of course i cant access my account and now have been on hold for over an hour trying to reach them. I am livid at this and have not had a late payment of my credit in over 5 years and come to find out i had payment due last month apparently. i have read all the complaints about them online from everyone else and i think i am in for a nightmare. I cant log on to make a payment and can not get them on the phone and i absolutely refuse to accept a late payment on my credit. this is ludicrous for a federal loan to be handled this way. unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On or around XX/XX/2023 I called my mortgage company Mr. Cooper and it was found that Mr. Cooper double paid my property taxes from escrow to XXXX XXXX. Mr. Cooper in subsequent emails and letters acknowledged the over payment and refund to my escrow on XX/XX/2023 in the amount of {$7700.00}. XXXX XXXX also acknowledged the refund due to me. 

On XX/XX/2023 in Research Reference # XXXX, Mr. Cooper told me to give them XXXX business days for the refund amount to be received. The XXXX business day from that date was yesterday XXXX, XXXX, XXXX  and I still do not have my refund! On XX/XX/2023 I sent a Qualified Written Request to Mr. Cooper asking for a letter of release to obtain the refund myself from the county. That was denied, however they assured me in the letter that on XX/XX/XXXX they already contacted the county about the refund and to continue to give them XXXX business days from that XX/XX/XXXX date. On XX/XX/XXXX I was sent a letter, and in the boxed " respa response to notice of error '' Mr. Cooper said on XX/XX/2023 they requested the refund. 

Well, now they deceive me again sending a letter on XXXX XXXX XXXX saying the tax department is asking for me to wait XXXX weeks from XX/XX/XXXX when they requested the refund, when you told me you requested the refund back in XXXX. I'm tired of Mr. Cooper lies and changing their timeline and dates of when they applied for the refund and when I can expect it. Violation of RESPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-10-11 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: MN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-10-11 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: MN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I paid off my credit card bill in full on XX/XX/XXXX. On XX/XX/XXXX Comenity Bread Financial charged a minimum interest of {$2.00}. I did not receive a bill. Since I had paid off the account, I did not go online to check the account. I was charged a late fee of {$2.00} on XXXX, and then another {$2.00} interest on XXXX, and then another late fee of {$6.00}, and then another interest charge of {$2.00} on XX/XX/XXXX. 

Today, for the first time since I paid off the account on XXXX, I received a bill reflecting the balance of {$14.00}. I called Comenity Bread Financial, and they indicated that while I had a XXXX balance as of XXXX, I had only made a partial payment in XXXX, XXXX. They said interest for the previous month does not reflect on the bill, so when I paid off the account in XXXX, XXXX, it did not cover the {$2.00} minimum interest charge - which had never been included on the bill - so that is why I was charged the {$2.00} interest charge on XX/XX/XXXX. 

They told me unless I paid the full account balance 2 months in a row, I would continue to be charged interest. This is ridiculous. If I paid the full account balance off ( which I did ) and then made no further purchases after that, how could I ever pay off the full account balance 2 months in a row? 

The XXXX bill was the first bill that I was sent since I paid off the XXXX bill on XXXX, so I was not even put on notice that these charges were still accruing. 

I spoke with a supervisor XXXX who indicated that she would reduce the {$14.00} outstanding balance down to {$2.00} but if I paid that amount, I would then be charged a minimum interest charge of {$2.00} in XXXX, so I would have to pay that again in order to have paid my " full balance '' 2 months in a row.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AR

Complaint narrative:
BMO bought my loan from Bank of the West and the roll over began in XX/XX/2023. I made my payment on the loan with BMO XX/XX/XXXX and XX/XX/XXXX my bank account was automatically withdrawn for another payment. I never signed up for automatic payments and I never used automatic payments with Bank of the West. XX/XX/XXXX I call BMO with the complaint and ask if they would refund my bank account, they said yes it would take 3 to 5 days. I called back on XX/XX/XXXX letting them know I still have not been reimbursed, I was told if I did not receive payment by XX/XX/XXXX to call back. 
I have also been told that they are not sure if the automatic withdrawal has been canceled for 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 monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC
State: AZ

Complaint narrative:
I have already contacted XXXX XXXX XXXX XXXX XXXX to advise them, this account they are trying to collect on was deemed as a fraudulent account with XXXX. A police and Identity theft report has already been filed. This account was removed from my credit and now this company bought a debt and trying to collect on fraudulent account. This account needs to be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have a paypal account, which includes credit card, a Line of credit, and the clearing acct to move money. I only use the credit products and never the " checking '' or whatever clearing account that is paypal. Their transaction history is too difficult to understand online as everything is commingled together. 

Paypal closed my line of credit which I don't fully understand why, the account didn't carry a balance the last couple of months. I'm not overly concerned with this. 

Now Paypal is calling me in a harassing manner - such that a recorded message ask me to confirm identity by pressing 1, however, the message does not respond and continues to ask me to press 1 to confirm identity. Originally I suspected it was fraud. I then log into paypal and noticed a negative balance, for which I'm not aware, and trying to decipher what the monies owned is for is impossible given the commingling of transactions. The only service that should be used ( infrequently ) is my PayPal credit card - mastercard. So why is PayPal trying to collect money from me? what reason? My credit card is paid in full each month. I attempted to call paypal however their same tactics are at play- they refuse to allow me to speak with anyone to understand what the charge is for. 

I'm not unwilling to pay this money if I can understand why there is a charge for an account that is never used. While we are at it, I want to know why Paypal closed my LOC. I didn't care at first but now I'm suspect ill intention on part of Paypal. Like other XXXX their stock is dropped and I'm willing to suggest they are implementing dark patterns to collect fees from customers in an abusive or unfair manner.

Company response to consumer: Closed with explanation