vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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: CA

Complaint narrative:
I've requested why the disputes I had made were never addressed after a violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. I've requested a FDCPA verification request for a formal dispute of inaccurate credit information and requested formal demands for proof of valid contracts to XXXX XXXX accounts and XXXX XXXX XXXX XXXX XXXX account on XX/XX/year> and never received a response as of XX/XX/year>. 

I've requested to have all 3 of these removed by Transunion and have the XXXX XXXX XXXX XXXX account removed by XXXX as they only removed two of the XXXX accounts. They are failing to do this and are in complete violation of the FDCPA 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 2024-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Moreover, the creditor remarks indicate that the account has been charged off as bad debt and reported as a loss, further emphasizing the inaccurate portrayal of this account 's status.Upon reviewing my credit report, I noted that the account in question has been reported as derogatory, with a high balance of {$12000.00} and a balance owed of {$9600.00}. However, I would like to bring to your attention that this account has been inaccurately reported. 
Firstly, the last activity on this account was reported as XX/XX/XXXX, which contradicts the accurate date of last activity, which is XX/XX/XXXX. Additionally, the account status is incorrectly listed as open, when in fact, it was closed on XX/XX/XXXX. 
XXXX doesn't even report this account on my credit report just XXXX and XXXX this is an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-29 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: CA

Complaint narrative:
I've requested why the disputes I had made were never addressed after a violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. I've requested a FDCPA verification request for a formal dispute of inaccurate credit information and requested formal demands for proof of valid contracts to XXXX XXXX accounts and XXXX XXXX XXXX XXXX XXXX account on XX/XX/year> and never received a response as of XX/XX/year>. 

I've requested to have all 3 of these removed by XXXX and have the XXXX XXXX XXXX XXXX account removed by Experian as they only removed two of the XXXX accounts. They are failing to do this and are in complete violation of the FDCPA 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 2024-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I received an email saying that because my insurance and tax went up, there was an escrow shortage of {$4600.00}. I mailed a check for that amount on XX/XX/XXXX. The check was cashed, and the next week I received an email showing that I still had a balance of {$780.00}. When I noticed this balance, I asked the PHH Mortgage representative to take out the shortage payment from my account. I was told that she could not do that. Then that very same day, I submitted a check of amount {$780.00} to be applied to my escrow account. The memo portion of this check reflects that this payment was supposed to be applied to the escrow. However, when I called customer service on XX/XX/XXXX, I was informed that this amount was applied to the principal instead. This was done in error. 

I emailed PHH mortgage on XX/XX/XXXX to request in writing that the {$780.00} payment I sent be applied to the escrow. I received a response the next day stating that the email address on file did not match my information, ( which is obviously false since I only have one email address ), so they could not assist me for security reasons. I was told to call the customer care line again. I even submitted an email on the lender 's website to pass along the message, but an error message populated stating that the form could not be received, and that I need to call customer service. I was currently unable to even send email messages to the company to reiterate my previous request that my payment be applied to the escrow account. It is clear to me that PHH Mortgage evaded any written communication from me in order to profit from my growing escrow. 

Eventually, on XX/XX/XXXX, I received an email stating that my previous payment was applied to the escrow. However, last month and this month they added {$370.00} to my mortgage payment. Unfortunately, I still have not received an explanation as to why this amount was added to my mortgage payment. I paid {$740.00} for an amount that I am not aware of. 

Considering that I paid my escrow, and the shortage in full, I ask that PHH Mortage immediately refund this {$740.00} amount from my mortgage account and send a revised statement showing that this was done. Please inform me when this is done and ensure that the change reflects permanently on my upcoming statement. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts

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 2024-04-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
I will submit 2 complaints, one for each pre-paid Amex gift card. 
1 ) Ends in XXXX, balance {$1600.00} 2 ) Ends in XXXX, balance {$2500.00} In XXXX, I received two {$2500.00} American Express gift cards ( prepaid business gift ) in leu of an awards trip through my employer. 
I was able to use the first card ( ending in XXXX ) one time at a hotel on XX/XX/XXXX. I was unable to use the card after that. Working with AMEX, I was able to have restrictions removed and made another purchase on XX/XX/XXXX to purchase a ski pass at XXXX XXXX XXXX XXXX. Now the card is not working again. There is a balance of {$1600.00}. 
The second card ( ending in XXXX ) has never worked. It has a balance of {$2500.00}. I tried using it to make a purchase at a hotel XX/XX/XXXX, on XXXX in XX/XX/XXXX, in-person at XXXXXXXX XXXX store in XX/XX/XXXX, and in-person at XXXXXXXX XXXX appliance store XX/XX/XXXX. 
I spoke with a customer service representatives several times. They said the cards should work if I used the cards in-person. They do not. 
I had the company send me replacement cards in XX/XX/XXXX, hoping that would resolve the issue. It did not. 
On XX/XX/XXXX I called Amex again because I was trying to make an in-store purchase at an appliance store. The AMEX customer service representative said it must be the magnetic strip ( on the recently replaced card ) and recommended replacing it a second time. I do not believe that is the issue. 
I am tired of not being able to use my cards. The AMEX site says they can be used anywhere AMEX is accepted. This is not the case. I would like my money please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
In XXXX I went to Best Buy to buy a laptop. At checkout, the sales representative told me there was a promotion where I could make interest-free payments for 2 years on the device by signing up for a Citi/Best Buy credit carf . I asked the sales rep to set up autopay on my account so that I would pay off the entire balance within 2 years. He agreed. For XXXX years I made automatic payments on this card, believing I would pay off the balance before any interest was accrued. 

In XXXX I was informed that the sales rep had set up the automatic payments incorrectly, and I had only been making minimum payments on the card ( not enough to pay it off within XXXX years ). By the time I noticed this, I had accrued over {$400.00} in interest charges. 

I tried calling Citi to explain the situation. They told me the Best Buy rep should not have done that. I asked if they would please remove the interest charges and if I could pay off the remaining balance. They said they would not remove the interest charges. So I ended up paying almost double for this laptop because the Best Buy sales rep incorrectly set up my autopay. 

I do not think this was ethical and that either Best Buy or Citi should refund me for the interest charges.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Unauthorized inquiry 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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request the deletion of certain accounts from my credit report that have resulted from identity theft, in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. I recently discovered that my personal information has been compromised, leading to fraudulent accounts being opened in my name without my knowledge or consent. I have taken immediate action to report this identity theft to the relevant authorities, including the Federal Trade Commission ( FTC ) and local law enforcement. As per the FCRA, I kindly request that you investigate the following accounts that have been fraudulently opened in my name : Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX.I have enclosed copies of the identity theft report filed with the FTC, as well as any supporting documentation that verifies my claim of identity theft. Please review these documents carefully and take the necessary steps to delete these fraudulent accounts from my credit report. Additionally, I request that you provide me with a written confirmation once the investigation is complete and the accounts have been removed from my credit report. This confirmation should be sent to the address mentioned above. I understand that under the FCRA, you have XXXX days to investigate my dispute and respond to my request. I appreciate your prompt attention to this matter and your cooperation in resolving this issue. Thank you for your assistance in rectifying the impact of this identity theft incident on my credit 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 non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CT

Complaint narrative:
A purchase was made for a delivery and the item was never received and it appears canceled and to make matters worse, both companies shared my money and that is called theft. There is no more valid excuse than providing a delivery service and then having to pay a surprise payment, you have to pass to pick up the order, And that's not what the XXXX XXXX is about, It's delivery and that was my expectation of the order. Then the representative did not help me at the time and canceled my order and did not return my money. That's {$86.00} dollars that the company stole from me. Neither my debit card provider helped me, nor did the XXXX company, which had never had this type of problem with them in more than XXXX years with the account. I want to claim my money and my claim should not be ignored because it is an abuse to steal someone's money like that out of nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-29 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : 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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: CA

Complaint narrative:
I am filing this complaint due to persistent issues with XXXX XXXX XXXX XXXX regarding their failure to correctly bill my health insurance provider, and the subsequent mishandling of my account by RMP Services LLC, the collections agency involved. Despite providing all necessary information, including my correct insurance details and Social Security number, the hospital failed to bill my insurance provider, for services rendered. This oversight led to the erroneous handling of my account, which was unfairly sent to a collection agency, and subsequently recalled, yet still affects my credit report. 

Specific Issues Include : Failure to Bill Insurance : I had active insurance coverage at the time of the service. Despite this, XXXX XXXX XXXX XXXX failed to submit the bill to my insurance company. 
I have repeatedly provided XXXX XXXX XXXX XXXX with my insurance information and my Social Security number specifically for billing purposes. 
Erroneous Collection and Recall : After the account was mistakenly sent to collections, I contacted RMP Services LLC to discuss the issue. They confirmed that the debt was recalled but informed me that they could not remove the collection account from my credit report. 
This refusal to delete the recalled collection from my credit report is unjust as the collection should never have occurred in the first place. 
Repeated and Unwarranted Phone Calls : Since the account was incorrectly sent to collections, I have received numerous phone calls from RMP Services LLC. These calls are not only disruptive but are also based on an erroneous debt claim, which adds to the distress caused by this issue. 
Steps Taken to Resolve the Issue : I have contacted XXXX XXXX XXXX XXXX multiple times to rectify this billing error. On each occasion, I provided my up-to-date insurance details and requested that they reprocess the bill accordingly. 
I disputed the debt with RMP Services LLC, explaining the situation and the hospitals billing error. They acknowledged the recall of the debt but refused to remove the collection from my credit report. 


This situation has caused significant stress and has impacted my credit unfairly. I appreciate your attention to this matter and look forward to your assistance in resolving these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report 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
Consumer complaint received 2024-04-29 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: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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