vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Why would the Pentagon Federal Credit Union place me into a mitigation program when I have never been late on a mortgage payment? Because they intentionally created a late payment when the loan for the balloon payment was being processed, so they could place this account into mitigation and they would not have to go forward with a risky foreclosure on a XXXX XXXX XXXX, XXXX veteran. I have been a member with PenFed for 40 years. A first mortgage for 20 years and a second mortgage for 15 years with several credit cards and have never defaulted on any of my obligations. I have immaculate financial integrity. XXXX years ago, the PenFed representative talked me into a interest only loan, so bad they do not offer it anymore. It matured in XX/XX/2023. In XXXX I submitted an application to pay that loan off. With artificial qualifiers, they said I did not qualify ( I had already been paying that loan for 15 years ). They intentionally delayed their processing by asking for superfluous information, information they already had, claiming I owned a home that I didn't, failing to submit subordination paperwork to the SBA causing the 2nd mortgage loan balloon payment to become due while they had control and custody of that loan. Then they submitted to the credit bureau a late mortgage payment, allowing them to put me into mitigation and prevents me from obtaining a mortgage loan from other lenders to pay off the PenFed loan. a perpetual interest only payment. I implored to the loan offer to correct their mistake, he refused. I contacted XXXX XXXX, on the Board of Directors and he took sides with an incomplete narrative, which lacked full disclosure, from his employee. I contend Penfed was unjust in submitting a late mortgage payment to the credit bureau when they had custody of that loan and had plenty of time to process new payments, which I can clearly afford to pay. Now, they have stolen {$210000.00} from me. The amount another mortgage loan company was at the cusp of approving until the credit bureau flagged my account. I can not pay off Penfed as long as I have a missed mortgage payment recorded with the credit bureau

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Last year, I submitted a dispute to XXXX XXXX regarding the inaccurate Bankruptcy reporting to my consumer report. 

I asked them to verify the furnisher who reported this information on me. 

They confirmed they received the information from XXXX 

I then reached out to XXXX  to confirm how they received this information and how they verified it was accurate. 

I also reached out to the court listed to ask if they provided this information to XXXX or XXXX XXXX. 

The court confirmed they do not provide any information directly to consumer reporting agencies or XXXX. They also said they do not verify the accuracy of information being reported. 

XXXX is not the entity who can verify this information being reported accurately. Because they are not the original source of this information. Only the court can do that. 

Since the court has confirmed that they did not provide this information to XXXX XXXX. They also confirmed they did not verify any information with XXXX XXXX. 

When I reached out to dispute this information, XXXX XXXX completed their re-investigation and responded back saying this information has been verified. 

Since the court ( the original data furnisher of this type of information ) did not furnish this information to XXXX XXXX nor verify this information. 

I need this inaccurate bankruptcy removed from my consumer report, it is reporting falsely and tarnishing my 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 explanation
Consumer complaint received 2023-11-28 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:
I have not authorized the creation of these accounts and believe they are potentially fraudulent.

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 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Since last Friday XX/XX/23 I have been trying to access the MyLoanCare website to request a payoff statement for my mortgage. I sold my property and will be closing soon. I was unable to access the website all weekend. Yesterday ( XX/XX/23 ) I tried call Loan Care as well as XXXX XXXX XXXX ( my mortgage company XXXX Loan Care has a message on their phone that says their operations are down and no one can access their accounts. I was unable to reach anyone at XXXX XXXX XXXX. From what I read online XXXX XXXX XXXX who owns Loan Care was a victim of a cyber attack over a week ago. No mortgage holder can pay their monthly mortgage payment, pay their insurance, taxes etc. Who will be responsible if I can not close on my property sale because I don't have a payoff statement?

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I, the consumer and natural person was denied credit by American Express. When I applied for the American Express Unlimited Credit Card. When I spoke to an agent from American Express I was told because of my credit report. That is in fact discrimination. Also according to the Federal Reserve Act when I filled out the application for an credit card. The notes were giving the only problem is I never received anything from American Express. Also Adverse Action against a consumer is AGAINST THE LAW. According to the Equal Credit Opportunity Act 15USC 1691c and is pursuant to civil liability under 15 USC 1692k American Express is criminal liable for violating 15 USC 1691 as I have proof that I was discriminated against. American Express is in violation of 15 USC 1642, 15 USC 1681m and 12 cfr 1002. Because I'm the consumer made an application in good faith, but credit was not issued. Also my social security card ( credit card ) was used and I received no benefits. This is proof of Fraudulent Activity. If American Express fails to make any reasonable procedures to resolve this matter and compensate me for use of my own credit card I will indeed make American Express criminally liable for actual damages. 
By : XXXX, XXXX agent For : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: NH

Complaint narrative:
Hello I have been trying to pay my mortgage on my home and their site has been down for one week and half. There has been no response on their end, and this could affect my credit not due to my own fault.

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 2023-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK
State: AZ

Complaint narrative:
I applied for an online loan during the week of XXXX. I received contacts from quite a few companies via email, texts or phone calls. On XX/XX/XXXX, I received a call from someone who said they were from Achieve Personal Loans and that I was approved for a {$2500.00} loans. They already had my basic info, name, address, phone number, and email. During the process of the application, I gave them additional info, mobile banking info, SSN, banking password, and a picture of my drivers license. They told me that my credit score was low so for them to extend the loan they would have to send me money, an amount between $ XXXX, I would have to send it back then they could send me the loan amount. It sounds like a scam but I was in a jam and hoping for the best. I even received an email with the Federal Trade Commission on the letterhead, pretty much stating the same thing they told me about them sending me money and i had to return it. They told me the entire process, from application to receiving funds, would be complete on the same day. After XXXX, I didn't hear back from them so I figured I would speak to them the next day. On XX/XX/XXXX, I received a call from my bank, asking if I tried to make a deposit through the mobile app, and I told them no. They said a deposit was attempted but it looked like a scam. Now my account it locked. The bank rep told me I would need to go into s branch to speak to someone about the lock on the account but I told her I no longer live in the state. She said she would talk with her manager and call me back. I tried to call the number that I spoke to the " Achieve '' rep on but no one answered. After thinking about things more, I went back to check the form I received from the FTC and it confirmed it was not legit. I'll just say, read, read, READ!! There were spelling errors and the verbiage was off. The letter was their way of confirming that they have successfully scammed you. I received it after I had already sent the info they were requesting. Feeling crazy now that I know I have been scammed and there's nothing I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: MO

Complaint narrative:
My experian account is so XXXX up, double bank accounts of the same account, 15 accounts that need attention

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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: SC

Complaint narrative:
It's a dispute that happened on XXXX XXXX. They can't give me a reason as to why the investigation team has yet to have an update. There was 2 dispute done on the same day XX/XX/2023 one was done the other is still lingering no action or realistic update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: LA

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 reporting misleading information. There is no filing this complaint for falsely 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 2023-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Midwest Credit & Collection, Inc.
State: IL

Complaint narrative:
This company Midwest credit & Collection has engaged in abusive, deceptive, and unfair practices that are prohibited by the FDCPA. They've reported accounts without my agreement or signing of any related agreement. A legal contract necessitates the consent of both parties, which I did not provide. Additionally, they did not follow the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and their actions clearly infringed upon my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-28 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: OH

Complaint narrative:
I have disputed an account through Transunion and they said they have investigated with the company, but this can not be correct, because this is not my account. I can not submit further evidence because I have no evidence since I never had this account. It appears to be an account transferred by XXXX which I think is security or doorbells. I have never had either of these products.

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 2023-11-28 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: EQUIFAX, INC.
State: FL

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: LoanCare, LLC
State: CA

Complaint narrative:
I have been trying to pay my monthly mortgage payment for over week and the website has been down for for almost ten days. The website that I am using is " loancare.com '' and no one in the company is helping out and no one is addressing this issue. I went to XXXX and I found out that there might have been a hacker in the system and that now all of our personal information might be compromised. No one in the company is saying anything, no emails, no phone calls, no messages, no information about anything and my monthly payment is still due right now.

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 2023-11-28 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: PA

Complaint narrative:
They neglected to make a mortgage payment when the full amount of funds were in the account. They charged false late fees XXXX XXXX. They also reported this as a more than 30 days late payment. All evidence is in a PDF document that I will upload.

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 2023-11-28 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-28 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:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
XX/XX/23 Recived a call about equity in my home due to someone running a report on the morgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: AZ

Complaint narrative:
I am a victim of the Equifax data breach and inaccurate information needs to be removed - XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: IL

Complaint narrative:
In accordance with 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, has violated my rights. 

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

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 1 ) A Person shall not any information relating 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 2023-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The following companies listed below have been pulling my credit without my approval or authorization leaving me with unwanted inquiries on my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The following companies listed below have been pulling my credit without my approval or authorization leaving me with unwanted inquiries on my XXXX and XXXX XXXX XXXX XXXX ALLY FINANCIAL 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 explanation
Consumer complaint received 2023-11-28 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: VA

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 2023-11-28 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:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: OH

Complaint narrative:
I am a victim of Equifax data breach and inaccurate information needs to be removed.

Company response to consumer: Closed with non-monetary relief