vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: VA

Complaint narrative:
I was previously struggling to make my mortgage payment in XXXX. During this time, I reached out to my loan servicer to obtain a loan modification to help catch my mortgage payments up. My loan servicer set me up with the modification plan that caused me to incur multiple late fees and multiple late reportings on my credit report. In XX/XX/year> I called planet home lending and requested that I be able to pay the entire amount that was due in order to bring mortgage payment current and remove me from the modification plan that I was taking part in. I made a payment of {$4200.00} which I was told was going to be used to fully catch my payment up, then proceeded to make my normal monthly mortgage payment A few days later, so that I could be ahead on my mortgage payment and have time in the future in case any financial struggles were to happen. The representative I spoke to over the phone told me that I could request to have the late payments deleted off of my credit report and that I could request the waiver of the late fees that were charged which totaled over {$500.00}. The representative failed to mention that the payment that was made a few days after fully catching everything up, was actually being used towards my XXXX payment, which was late at the time and shouldve been included in that total amount. Ive made my monthly payment on or around the XXXX of every month as I am a retired veteran on fixed-income. It has come to my attention now that what I assumed I was paying in advance around the XXXX of every month, per the conversation I had with the representative around XX/XX/XXXX of 2024, was actually paying for the month that it was in. In XX/XX/year> I requested documentation for the modification plan that I was previously taking part in and after two months, Ive still received no documentation aside from a transaction summary from the last 12 months. I asked them to physically provide me with a signed copy of the loan modification documents, and they have yet to do so. If it is an electronically signed document, I would also like to request a copy of my E consent for electronic signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: PA

Complaint narrative:
I was shocked this morning when I saw inaccurate accounts on my credit report. I always check my report regularly, but this time, there were unexpected errors. I even refreshed my browser, thinking it might just be a glitch, but the accounts were still there. This whole situation has left me uneasy, and I'm asking that the documents Ive sent be reviewed carefully so I can finally stop worrying about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
The payment listed below was made in the form of an Official Check drawn off a credit union that I belong to. After a very small interest adjustment, this left a {$35.00} XXXX XXXX on this particular credit card. I called the credit card company at XXXXXXXX XXXX on XX/XX/XXXX to request that this XXXX XXXX be refunded to me. I asked for these funds to be credited to my checking account at the SAME bank that owns this credit card. The clueless call center agent said the credit would be sent bank to my credit union. That's absurd and I hung up on him. 

Transaction Details + {$3300.00} PAYMENT RECEIVED -- THANKYOU Transaction Date XX/XX/XXXX Transaction Date XX/XX/XXXX Posted Date XX/XX/XXXX Card Used XXXX Transaction Type XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
This company started contacting me on XX/XX/year> by email claiming I owe them a debt of {$72.00}. I have no knowledge of. I have disputes this account multiple times and it keeps reporting to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX {$920.00} XXXX. XXXXXXXX XXXX XXXX {$20000.00} XXXX. XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX. XXXX XXXX {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I had became behind on my car payment while going to school and I had contacted Navy Federal for a voluntary repossession on XX/XX/year>. After going back and forth with the rep on picking up the vehicle after being told how irresponsible I was he told me he was sending someone to get the car now because they were trying to repossess it anyways. They never picked up the car until XX/XX/year>. They never reported that the car was sold or took my name off because I was still receiving toll tags after investigation per there contract prior to me the car had had multiple owners which was a no no in there loan agreement and they approved and they still have the full amount instead of the amount after being sold and have been fighting this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-23 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: NY

Complaint narrative:
THIS NEGATIVE ITEM THAT THIS COMPANY REPORT TO THE CREDIT BUREAU WHICH WAS A CHARGE OFF I DID NOT GIVE THIS COMPANY AUTHORIZED TO FURNISH ANY REPORTS TO MY CREDIT REPORT THEY DID NOT HAVE MY WRITTEN CONSENT IN THIS ALSO CONSIDERD IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: NY

Complaint narrative:
THIS NEGATIVE ITEM THAT THIS COMPANY REPORT TO THE CREDIT BUREAU WHICH WAS A CHARGE OFF I DID NOT GIVE THIS COMPANY AUTHORIZED TO FURNISH ANY REPORTS TO MY CREDIT REPORT THEY DID NOT HAVE MY WRITTEN CONSENT IN THIS ALSO CONSIDERD IDENTITY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: MS

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$8600.00} XXXX XXXX XXXXXXXX Balance Owed : {$480.00}

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 2024-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
To Whom It May Concern, I am still waiting for XXXX  previously XXXX XXXX to send me my promissory note for my federal loans. I have contacted them numerous of times and they will not provide this information, and they will not provide my payment history regarding the federal loans I had with them. They tell me that the loans were sold to the US Dept. of Education. This is true. The issue is that I paid the loans off before they were sold to the US Dept of Education and the balance was then passed on to the US Dept of Education, which should have never happened because I paid the loans off. Your help and assistance with this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On or about XXXX XX/XX/year>, I mailed a letter to Clarity Services, requesting information, and removal of inaccurate information from whatever credit file they have with my PII on it. In return I received a letter from them claiming to be a suspicious request. This is not a suspicious request as it is my information I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Ive disputed with Trans Union, the deceptive collection account from XXXXXXXX XXXX XXXXXXXX alleging i owe debts in the amounts of {$260.00} and {$220.00} being reported on my Trans Union credit report. Ive requested Trans union and the collection company to verify I owe such alleged debt, it has been well over 30 days for trans union to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit reeport immediately. it is Transunion responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) and they have failed in doing so. Transunion, Is violating the FCRA and if they fail to delete this inaccurate information from my credit file, they must be held liable per 15 usc 1681n

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
account shows closed/charged off but still reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NM

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 2024-10-23 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: OK

Complaint narrative:
On XX/XX/year>,, I made TransUnion, aware of the misleading and inaccurate collection account alleging a debt in the amount of {$3200.00} they are reporting on my credit report. Ive requested TransUnion, and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. 
it has been well over 30 days for TransUnion to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit report immediately By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. TransUnion, has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) TransUnion, Is in violation of FCRA and if they fail to comply and delete this information from my credit report, they must be held liable per 15 usc 1681n

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 2024-10-23 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2024-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mortgage Research Center, LLC
State: MO

Complaint narrative:
I just explained on a previous page and when I attempted to upload a file I messed up some how. So, I am under quite a bit of stress now trying to get this done. Will you please arrange a meeting with someone who can help me in this matter before XXXX mess up again? My mind is going blank right now. I am also a Veteran. But I'm sure you already know that. This why I need to stop while I'm ahead. Please reply when you can @ XXXX XXXX - XXXX or by mail @ XXXX XXXXXXXX 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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
My name is XXXX XXXX I am the main cardholder of an account with Huntington Bank.

Im writing this hoping I will get the problem resolved because for as long as I can remember I have only been with Huntington as a supported customer, Huntington has exceeded my expectations and fulfilling my banking needs on many occasions which is I have my put my trust into banking with Huntington to be handling my money.

I have disputed a charge that I have authorized at the time for my phone to be repaired due to water damage but I promised to only pay the amount for the technician to fix the phone if the phone work properly and agreed to use XXXX manufacture parts to fix the phone like new not after market products, which was agreed from both ends at the scene, when I came back later the day to pick up the phone i have paid thinking it was fixed since it was working at the time but after I got home it started having problems shutting off every XXXX minutes and the phone gets really hot and I have noticed the technician has dishonored his words and used after market parts to fix the phone which gave the phone battery problems now my phone has not been working properly, have called and asked merchant for a refund but I was refused for a a refund, which I have contacted my bank institutions for a dispute on the charge for not providing the service that was promised

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Back in XXXX  we went to XXXX  and stayed in a XXXX XXXX at a discounted price if we would go listen to the sales spill. During the sales speech we asked several questions and wasn't interested because I knew about these timeshares and how people were getting ripped off. The salesperson said several times that this wasn't a timeshare, and you can stop it at any time, he told of stories of people that couldn't afford it anymore and they returned it. The salesperson made it seem so easy. We ended up purchasing it and overtime never used it. The maintenance fees went up all the time and it was getting to where we couldn't afford it. I called XXXX and requested to return the timeshare to them, and they said I couldn't. After trying to return it on our own and being unsuccessful we reached out to XXXX XXXX, XXXX exit company, and they could assist us. We paid several XXXX dollars to this company, and they did nothing for us. In the end I submitted a deed in lieu to XXXX. Since doing the deed in lieu my credit score has significantly went down and XXXX reports it as a mortgage foreclosure. How can you report this as a mortgage when it isn't a tangible item?

Company response to consumer: Closed with explanation