vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: NJ

Complaint narrative:
I have had fraudulent mortgage chargers ( to my home loan ) for several years now FROM XXXX Bank. I have received many emails EVERY month saying that my mortgage is in arrears, and I am in foreclosure. XXXX customer service rep recommended that I go into a branch and make extra payments ( which I did ). This is in addition to ; my monthly electronic withdrawal payments from checking account ( see attached ). XX/XX/XXXX, my principal balance was {$700000.00} ( see attached ). I made several requests for an amortization of my loan and XXXX has not complied. I requested copies of my electoral withdrawals ( because I misplaced my checking account statements ) copies and XXXX never responded. My original loan amount was {$120000.00} in XXXX now after 30 years XXXX closed my account XX/XX/XXXX. I made an estimate of {$270000.00} in added mortgage payments, Now XXXX XXXX ( whom I never heard of ) says I owe I them {$130000.00} after I have already made payments estimated at {$350000.00} XXXX ( see attached ) over the 30 years. I made large payments of {$55000.00} once in XXXX and {$50000.00} XXXX TO BUY DOWN THE PRINCIPLE. I made {$35000.00}. in XXXX that was to pay down on my principle, but they applied it to my payments to the interested. I never asked that the payments should go to interest because these judgments were fraudulent. 
XXXX & XXXX XXXX XXXX & XXXX, such, XXXX XXXX XXXX XXXX firm REPRESENT CHASE and these law firms sent me hundreds of letters with fake judgments. These judgments were added to my prinsple mortgage balance amount. Now I want to open a claim for {$350000.00} to recoup some over charged payments that were a result of these fraudulent judgments. 


XXXX XXXX Email 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 explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have had fraudulent mortgage chargers ( to my home loan ) for several years now FROM XXXX XXXX. I have received many emails EVERY month saying that my mortgage is in arrears, and I am in foreclosure. XXXX customer service rep recommended that I go into a branch and make extra payments ( which I did ). This is in addition to ; my monthly electronic withdrawal payments from checking account ( see attached ). XX/XX/XXXX, my principal balance was {$700000.00} ( see attached ). I made several requests for an amortization of my loan and XXXX has not complied. I requested copies of my electoral withdrawals ( because I misplaced my checking account statements ) copies and XXXX never responded. My original loan amount was {$120000.00} in XXXX now after 30 years XXXX closed my account XX/XX/XXXX. I made an estimate of {$270000.00} in added mortgage payments, Now XXXX XXXX ( whom I never heard of ) says I owe I them {$130000.00} after I have already made payments estimated at {$350000.00} XXXX ( see attached ) over the 30 years. I made large payments of {$55000.00} once in XXXX and {$50000.00} XXXX TO BUY DOWN THE PRINCIPLE. I made {$35000.00}. in XXXX that was to pay down on my principle, but they applied it to my payments to the interested. I never asked that the payments should go to interest because these judgments were fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, such, XXXX XXXX XXXX XXXX XXXX  REPRESENT XXXX  and these law firms sent me hundreds of letters with fake judgments. These judgments were added to my prinsple mortgage balance amount. Now I want to open a claim for {$350000.00} to recoup some over charged payments that were a result of these fraudulent judgments. 


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 explanation
Consumer complaint received 2024-02-20 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my 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 explanation
Consumer complaint received 2024-02-20 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: IL

Complaint narrative:
Kindly eliminate these inquiries as they were conducted without my knowledge or consent by the company.

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 2024-02-20 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: IL

Complaint narrative:
According to 605B, this account should be removed promptly. It's bothering me on my credit report, and it's not even my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: IL

Complaint narrative:
According to 605B, this account should be removed promptly. It's bothering me on my credit report, and it's not even my account.

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: NJ

Complaint narrative:
I am writing to express my grave concern regarding the presence of fraudulent and unauthorized inquiry on my credit report, which is causing significant distress and financial harm. Specifically, this inquiry : XXXX XXXX It is of utmost importance to underscore that this inquiry do not belong to me and is fraudulent. 

I have made numerous attempts to address this issue by submitting disputes and complaints to Equifax but it is still reporting on my credit report. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: NJ

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

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 2024-02-20 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:
Company has information on my credit report that is not mine vitamin ID theft in! 998I never applied for a loan with them and they sent me a statement that is XXXX yrs old. STATUE OF LIMITION HAS RAN OUT. I WANT TO SEE ORINGAL LOAN DOCUMENTS WITH MY SIGNATURE ETC THEY NEVER SENT TO 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 2024-02-20 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
My private information was violated by credit reporting agencies which is not in compliance with the privacy act of 1974. 
15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 

Also On XXXX/2023 my information was sold to a third party debt buyer without my permission and or option to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recognize that from time to time credit card companies can review your usage etc. BUT WHY are they allowed to check without your knowledge or consent and reduce your credit limit enormously so you go from a 40 % debt to credit ratio to a 90 % or worse? Why are they allowed to single handedly decide and destroy your credit score, especially when you are below your credit limit and making payments ON TIME. 

This has happened to me with two issuing companies - Citi and XXXX. I am beyond annoyed and want to know how I, as the consumer, can rectify this practice. Again I would understand if I was delinquent or past due. If I was spending very close to my credit threshold but the fact that I wasn't and they reviewed and CUT MY CREDIT in half especially in the current economic environment is enraging.

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 2024-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Back in XX/XX/year>, I entered into a short-sale contract with a buyer. My realtor sent the paperwork to me to process the transaction with my two lenders. One of my lenders did their work. The other, Rushmore Servicing ( the third name of a company that keeps getting its license revoked by the state of Illinois ) is not responding to my realtor or attorney. If I call, they are rude and unprofessional. They refuse to tell me anything. They told me they could only talk with my attorney or realtor. 

I am struggling with XXXX and I am trying to avoid foreclosure. 

This lender- Rushmore Servicing- refuses to respond, or cooperate, and I believe they don't know how to contact the investor who controls my loan. 

Because they refuse to contact the investor or do anything, my main mortgage company has informed me that they will begin foreclosure on my home. 

I have a buyer who has patiently waited these past XXXX months. 

The lender doesn't seem like they have the paperwork on my loan. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against MIDLAND CREDIT MANAGEM or egregious violations of my consumer rights, as protected by the Consumer Financial Act. It has come to my attention that MIDLAND CREDIT MANAGEM placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with MIDLAND CREDIT MANAGEM, including txt messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that MIDLAND CREDIT MANAGEM provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If MIDLAND CREDIT MANAGEM is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with MIDLAND CREDIT MANAGEM is blatantly false. I neither received any services or products from MIDLAND CREDIT MANAGEM nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that MIDLAND CREDIT MANAGEM is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of MIDLAND CREDIT MANAGEM constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ,12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate you attention. 

MIDLAND CREDIT MANAGEM- $ XXXX-XXXX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: ID

Complaint narrative:
I initiated the process to recast my loan with Fay Servicing in XXXX, 2023. Fay charges a {$250.00} fee for recast. I paid the {$250.00} from my checking account which was successfully processed on XXXX2023 ( see attached image from my checking account ). Fay acknowledged receipt of the {$250.00} on XXXX/2023 ( see attached screen shot from Fay ). But now Fay is showing I owe {$250.00} in fees which are for this recast fee that was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello greetings so i settled with the auto loan i have been told different things about when the account status will reflect closed i don't understand what is the hold up i received the settlement letter stating one the transaction post which it did the account will close i need to reflect that status there are other financial things i need to take care.

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 2024-02-20 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: NJ

Complaint narrative:
Hello greetings so i settled with the auto loan i have been told different things about when the account status will reflect closed i don't understand what is the hold up i received the settlement letter stating one the transaction post which it did the account will close i need to reflect that status there are other financial things i need to take care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: NJ

Complaint narrative:
Hello greetings so i settled with the auto loan i have been told different things about when the account status will reflect closed i don't understand what is the hold up i received the settlement letter stating one the transaction post which it did the account will close i need to reflect that status there are other financial things i need to take care.

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 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, I deposited {$210.00} into my Venmo account. However, the very next day, I was shocked to find that my account had been suspended. I immediately reached out to the customer service team for assistance, but they were not helpful at all. Despite my repeated attempts via chats, emails, and phone calls, I have not received any concrete answers. Venmo has been citing concerns about identity fraud but has refused to provide any information about what triggered the investigation. I find it baffling that providing specific information about my account could lead to identity fraud, considering that Venmo already has my social security number and a copy of my driver 's license. I am disappointed that Venmo has not been forthcoming with critical information and has put the onus on me to prompt them for it. A customer service representative informed me today that I needed to submit a readable copy of my driver 's license, which was not communicated to me earlier. To make matters worse, the customer service representative was rude and unprofessional. It is unacceptable that Venmo 's customer service representatives are not trained to prioritize the customer 's needs. I am currently struggling financially and unable to pay my bills due to the suspension of my account. Venmo needs to provide me with immediate assistance and a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: MS

Complaint narrative:
I called the credit reporting agencies letting them know the inquiries listed below are unauthorized and not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft 18 U.S. Code 1028a Keesler FCU 9-23

Company response to consumer: Closed with non-monetary relief