vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: IN

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inquiry was not authorized by 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
My card was charged for {$1000.00} on XX/XX/XXXX by XXXX. I never ordered anything from XXXX and I have never heard of the company. I googled them and found a website that appears to be fraudulent. I tried to contact them asking why there was a charge on my card but the email they have listed for their support team is invalid. The website and company appear fraudulent and I should not have to pay this charge. I have proof that I tried to contact the company. I filed a dispute with the credit card company and it was denied. I reasserted the dispute and again it was denied. I asked the company for more information on why it was denied and they refused to provide any information so I asked for proof that they investigated it because I wasnt even able to get ahold of the merchant because they had false contact information listed. The card company did not provide any proof of investigation and did not provide any proof that the merchant even responded. I once again reasserted the dispute on XX/XX/XXXX and it was denied again today on XX/XX/XXXX even after I provided all the sufficient information. They have me submit the info via text so I asked them to confirm they uploaded all the information that I provided to them and they claimed it was all uploaded. I would be happy to provide proof of this conversation as well. I am not okay with a fraudulent charge that I did not make. And I should not be held liable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I sold my home that had a VA loan with my lender MR Cooper in XXXX of 2023 through a VA loan assumption. MR Cooper sent a tax form to the buyer for the entire year of 2023 even though they did not purchase the home until XXXX of 2023. From XXXX until XXXX I paid the mortgage and the associated interest, but when the loan was assumed all records were transferred to the buyers account and MR cooper refused to provide me with a tax form to show the interest that I had paid on the loan. 

Additionally I believe MR Cooper intentionally complicated the loan assumption process causing the settlement to take much longer than necessary. Several times I was told by MR Cooper employees that I was not eligible for a loan assumption and that I should cancel the contract and do a direct sale. Clearly I was able to complete the loan assumption but believe that MR Cooper took steps to deter me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I am compelled to address a significant concern regarding the Navient/XXXX XXXX XXXXXXXX ( Case No. XXXX ), specifically regarding Navient 's reported inability to disclose credit scores for the pertinent timeframe. 

This settlement distinctly offers relief to " non-traditional '' borrowers, identified by having a XXXX score below XXXX at loan origination. My apprehension is rooted in Navient 's claim of being unable to retrieve my credit score from the relevant period, citing data retention policies. This assertion not only casts doubt on the settlement 's efficacy but also on Navient 's commitment to fulfilling its obligations with integrity. 

The essence of my concern lies in the possibility that Navient may have agreed to the settlement without the genuine intent or capability to validate and acknowledge claims from borrowers like myself, who are presumptively eligible for relief. Such a scenario would not only undermine the settlement 's foundational goals but could also represent a substantial breach of trust and agreement. 

The gravity of this issue extends beyond my individual case, potentially affecting numerous others in similar predicaments. Hence, I seek your intervention to ensure Navient adheres to the settlement terms with diligence and honesty. If Navient is indeed unable to provide credit scores from the discussed period, it becomes imperative to question the validity of loans issued under these conditions, suggesting a negotiation in bad faith. 

Furthermore, it is pertinent to highlight the coercive pressure to add my father as a co-signer based on his similar credit standing, a move that was crucial for loan qualification. This detail underscores the broader implications of Navient 's practices on borrowers and their families. 

I urge your immediate attention to this matter, advocating for a resolution that upholds the principles of fairness and accountability. Your action is not only crucial for individual cases like mine but also for the integrity of the settlement at large. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: IN

Complaint narrative:
I am filing this complaint to notify you of fraudulent accounts on my credit report. I will be following up with the Consumer Financial Protection Bureau and filing a civil lawsuit for defamation of character because it is your duty to report accurate information. The following accounts listed below are fraudulent and I request that the information be blocked from my report. Under Section XXXX of the FCRA, I meet all the requirements for a block of the fraudulent information on my report. My identification which is attached to this letter, a copy of my identity theft report which is also attached, the information that I request to be blocked is listed below. This information is not relating to any transaction of mine. The accounts that are fraudulent on my report are listed below. I have also attached a Notarized letter stating it is in fact me sending out this dispute. This letter will be sent certified with signature. I expect that the accounts be blocked within 4 days of receipt. It is illegal to do what you are doing to us 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: AL

Complaint narrative:
Violation of XXXX CFR XXXX ( c ) ( XXXX ) ( i ) : This section requires that a debt collector include a statement in the initial communication with the consumer regarding the consumer 's right to dispute the validity of the debt. I did not receive any such statement in your communication, and therefore, they are in violation of this regulation.

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation mandates that a debt collector, upon the consumer 's written request, provide the name and address of the original creditor. I am formally requesting this information, and failure to provide it would constitute a violation of this regulation.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : It has come to my attention that they have reported information to credit reporting bureaus without providing any and all disclosures required by law. This is a clear violation of the aforementioned regulations, and I request that they rectify this by providing the necessary disclosures immediately. 

Lack of XXXX XXXX : Additionally, I am disputing the debt on the grounds that they have failed to furnish a purchase agreement between their agency and the original creditor. This documentation as it is crucial to validating the legitimacy of the debt. 

Request for XXXX XXXX : I am formally requesting validation of the alleged debt, including but not limited to the original amount, detailed breakdown of charges, and the complete chain of ownership from the original creditor to your agency. 

Proof of Licensing and Bonding : As part of my dispute, I also request proof that your agency is licensed and bonded as required by law in the XXXX XXXX Minnesota XXXX Department XXXX code XXXX LICENSING AND REGISTRATION, where the company is located.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TN

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX 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 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
I was contacted by a person who goes by XXXX XXXX who stated that he worked with my mortgage company Amerisav Mortgage, He stated that he wanted to help me catch up on my mortgage and to avoid forclosure by sending him my escrow in the amout of XXXX via thru the mail or through XXXX Customer Service. He insisted that I was ready to be foreclosed so relunctantly I sent the money. I do have the receipts angoes by XXXX XXXX or XXXX and the number XXXX referance numbers from XXXX where the money was sent. I question him about it and he stated that I was gon na be set up on a 3 month trail and to for the next 3 months make payments as I did and not to answer any phone calls or talk to any one at Amerisav Mortgage, only to him. When I questioned hm about this, he became irate and hung up. I contacted Amerisav and they stated that that is not how they do business..As I stated he goes by XXXX XXXX or XXXX and these are th e 2 numbers he is using ( XXXX ) XXXX or ( XXXX ) XXXX. I'm mored than sure I won't get my money back but I wanted to inform someone so it doesn't happen to someone else.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: IN

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from 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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
Rapidcash/Speedy Cash has received proof of payment via email and their agents confirmed this via phone directly after emails were sent. A payment of {$910.00} was paid in full XX/XX/XXXX. Speedycash insisted the payment was retracted XX/XX/XXXX. My bank said no it wasn't. I requested proof from Speedycash of this retraction and they refused to send it. I've sent my bank statements from XX/XX/XXXX and XXXX showing {$910.00} paid in full and NO retraction happened in XXXX. The documents were complete and Speedycash agents confirmed received to 3 different emails. Speedycash lies constantly. Their corruption is constantly ongoing to their customers. I will continue to file complaints until the day I drop dead unless they show my account paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: IN

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from 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 2024-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
i purchased an atv from a woman that her husband had passed away. he was the XXXX listed on the title along with XXXX XXXX  as the lien holder. the title was lost at some point but i have a oregon bill of sale, copy of the will stating the wife was the sole beneficiary, a signed and notarized XXXX statement of ownership from the wife, copy of the death certificate. XXXX XXXX  closed down a few years back so i contacted hsbc us and they directed me to the titles dept which will not respond to my e-mails. it has been nearly a month with over XXXX emails sent with no solutions to my problem yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was notified by my credit card company on XX/XX/2023 of a possible fraudulent purchase I confirmed it was fraudulent they shut my card off. Two days later XX/XX/XXXX a charged appeared on my account that I did not recognize, I called about it both charges were looked into by credit card fraud security and the charges were reversed. I did not notice any further activity until my XXXX statement arrived and a third fraudulent charge appeared, this charge was the highest one of the three. The third charge also had a transaction date of XX/XX/2023. I reported the third charge and after two and a half weeks I was informed I was responsible for the charge. While on the phone with the fraud investigator he was not aware of the XXXX fraudulent charges before this one. I felt my case was not properly investigated.they did contact the vender about the charge and they apparently felt the charge was not fraudulent. The vender is a XXXX airline and is very difficult to contact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section XXXX ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly.

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 2024-02-29 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: IN

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-02-29 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: IN

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-02-29 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: NJ

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-29 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: FL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation