vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have reached out to customer service regarding this issue and they would not help take care of the negative inquiries reporting to my credit report. 

Institution Information XXXX XXXX, TX XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Institution Information XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, FL 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 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: CA

Complaint narrative:
On XX/XX/19 I contacted XXXX Arc Home Loans in response to a message I received about my account. I was told that my payment had increased from {$2200.00} to {$2400.00} which is a {$210.00} difference and I was late on my payment. This was alarming as I had made my payment and we had no explanation or understanding of the increase. I was told by the customer service representative that there were insufficient funds in our escrow account, and we would have to make up the difference. She also stated that we are required by law to have an extra escrow payment in our account, which is not accurate information. 

Subsequently, I looked at our final settlement statement and discovered that there should have been a payment of {$3000.00} for our property taxes hazard insurance put into our impound account. I spoke to a XXXX escrow representative that stated she was able to see that only approximately {$700.00} was placed into our  account at closing and that is was, in fact, short. She said she would open a claim to investigate where the missing money went. 

I have also had to take an added step of requesting that my impound account be closed to avoid the increase in payment as I have lost confidence in the lender 's statement that they will reimburse my money when this is resolved. 

Upon reviewing my bill on XX/XX/19, I saw there was a late fee added to the still increased due amount, I called and spoke with another representative that stated our case was resolved and that we received a phone call and message on the XXXX. No phone call or message was received. She also stated that we received a check for {$2600.00} in XX/XX/XXXX and that is where the missing money went. This did not add up to the numbers in our loan documents. We did receive a check for {$2600.00} even and it had previously been explained to us that we would be receiving a cash out payment from the previous impound account with the same lender and we verified at the time that was the roll over check. 

After logging into my online account and viewing my escrow impound account statement, it appears that it started deficient as the money from the settlement statement was not deposited. 

I have also spoken to the title company and they stated the money was dispersed to the lender per the settlement statement. 

When I requested to speak to a manager with the company, I was told there were none available. At this point, I have received no logical explanation as to why the money is not in the account. In addition, I have received contradicting information for each person that I have spoken to and I am greatly concerned that it was marked as resolved without contacting us and with an inaccurate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: CA

Complaint narrative:
I'm not actually applying for a mortgage, but none of your options fit my complaint. 

I received a letter in the mail which is dressed up to look like an official notice of my home being foreclosed on if I don't call the number listed and arrange a loan with them. The letter reads : " Statement Date : XX/XX/2019 Subject : Property Tax Bill Changes Subject Property : ( my address is listed here ) ( my name is listed ) : Notice : XXXX This letter is to inform you that when you borrowed money for the Home Renovation Program you agreed to amortize the loan payment in your property taxes for up to 20 years. 
Failure to make these payments could result in mortgage delinquency or even forclosure. 
For a limited time, you are still able to pay off your home Renovation Loan obligation and receive a much lower payment which will drop your property taxes back to their normal amount. 
All parties must register before XX/XX/2019 to be considered for this financing option without restriction. Call today to find out how this might affect you. 
All applications submitted 30 days after the statement date of this letter will not be reviewed. Due to the severity of the issue we anticipate longer wait times. Please call customer support to receive a detailed explanation. 
Call ( XXXX ) XXXX Statement Id Number XXXX Monday to Friday XXXX XXXX - XXXX XXXX and Saturday XXXX XXXX to XXXX XXXX PST ******** *Please see Reverse Side for Disclosure information '' Note that I have never borrowed money for any home renovation program, but I can easily see how someone who may have done that would be duped into thinking this is a serious letter. I should also mention that the letter is of the format typically used for one 's tax documents ( including the outlined XXXX followed by all black XXXX ), and states " Warning : {$2000.00} fine, 5 years imprisonment, or both for any person interfering or obstructing with delivery of this letter U.S. Mail Sec. 1702 U.S. Code '' as well as " Information Regarding your Upcoming Property Tax Bill. '' On the back of the bottom half of the page I quoted in full above, there is very fine print which states, among other things, that the company perpetrating this scam is " American Financial Network, '' and that " The content in this advertisement is for informational purposes. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Since my husband 's death our 100 % satisfied paid off mrtg and canceled line of XXXX For him only has been transferred due to wrongful foreclosure to all the below. I am still in superior court again w 3 motions on file. XXXX XXXX, XXXX XXXX, XXXX on line, XXXX XXXX XXXX and XXXX, Mr cooper nationstar. This is ridiculous. I mailed motion ccrr to magistrate asking them to vacate and withdraw the erroneous judgement in XXXX County and they attempted to return to sender. Had to complain to post office ig. XXXX roulette ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
I lost my job in XXXX of XXXX. I was on XXXX  all of XXXX. 
I had major XXXX XXXXXXXX on XX/XX/XXXX. 
Went back on XXXX  XXXX of XXXX. Currently on XXXX. 
Former employer paid out a settlement in XXXX of XXXX. Termination due to physical inability to work. XXXX settlemets are also exempt from a levy. 
On XX/XX/XXXX, XXXX XXXX XXXXXXXX levied {$32000.00} from primary checking account. XXXX XXXX XXXX was represented by Nelson and Kennard Law firm : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, CA XXXX Phone Office ( XXXX ) XXXX Fax ( XXXX ) XXXX. 
I submitted an exemption claim within the allowable time frame. 
My exemptions were : 1 ) Currently on XXXX 2 ) Funds in bank account primarily generated from XXXX insurance. 
3 ) XXXX settlement with former employer 4 ) Financial inability to pay bills, support XXXX young children. 

Nelson and Kennard objected to my exemption claim. They won't return funds to my account at least until matter settled. I am almost at point where XXXX   settlement funds have dried up, will be unable to keep up with bills, support family. 

XXXX XXXX XXXXXXXX Legal Department refuses to have direct communication. 
I know I have met more than enough of the requirements for exemption status. Nelson and Kennard elected to drag this out in the courts. 

I can't explain the physical and emotional distress this has caused. 

I know I accumulated the debt. Circumstances beyond my control put in financial distress. If I could pay off debt I would. For almost 3 decades I did business with XXXX XXXX XXXX, always paying my card bill. They have the records. 

XXXX XXXX XXXX credit card services increased by credit limit by {$30000.00} without a request from me. They did it when I should not have been extending my debts. I can't believe they can randomly do this. 

I am asking for help at a time my family could use the assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THOSE ACCOUNTS DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This account does not belong to me, I spoke to them on the phone and demanded a letter stating balances and assumed responsibility. 

I provided them my E-Mail / Fax / Number.

It is now day 50 and I have yet to receive any information.

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 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I recently received and closely studied a copy of my credit report. To my dismay, it seems as though this company AMEX is reporting an alleged Inquiry for date of service XX/XX/2019that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am being charged a corporate fee of {$820.00} on my mortgae by XXXX XXXX XXXX, furthermore now I am being charged interest on this fee. The fee was initially charged by Chase who was the previous bank servicing this mortgage. Chase informed me that this fee was a corporate advance paid to an attorney to represent chase interest due to violations on my property located at XXXX XXXX XXXX XXXX il XXXX. I contacted chase and informed them i was disputing the charge. I fax to chase a copy of the court order dated XXXX XX/XX/2015 showing that the violations were corrected. the court document shows my signature and the signature of the city attorney showing the dismissal of the violations. I explained to several Chase representatives that I was present at all the hearings and told them there was never an attorney representing Chase there. I also told them that the record shows that the Chase attorney filed his apperance on XX/XX/XXXX the case was resolved by me on XX/XX/XXXX. They continue to say that a chase attorney was at the hearings, this is not true as i was present at XXXX hearings and there was never a representative of chase present. I asked chase to send me the records showing the legal work the attorney did on there behalf. Chase refused. I have all my records to corroborate my statements Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The company is still reporting the wrong information ... its shows 30days late on different months and the in the report I have found severa inaccuracies. So if I can see the inaccurate information. How they cant. What did they check the information on to see that it was accurate ... I dont understand how in XXXX I was 30days late with XXXX  but on time XXXX  and XXXX. Then in XXXX late with XXXX  and XXXX   and on time with XXXX ... My Open Date is Wrong, My Last Reported Date Is Wrong, Date Last Active Is Wrong, Date Last Payment Wrong .... So Please Tell me how there following the laws of the FCRA if the information they say to be true and accurate is not In fact accurate ... I Never missed a Payment ... please update my credit report to payed as agreed and remove the 30day late payment from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I recently received and closely studied a copy of my credit report. To my dismay, it seems as though this company is reporting a few alleged Inquiry ( ies ) for  dates of service : XX/XX/2019 XX/XX/2019 that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of  truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;

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 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have sent several copies of my current FTC Identity Theft Report to Transunion, along with a personal statement that I did not authorize the accounts listed thereon to be opened or used, and proof of my identification in the form of copies of my valid drivers license. I have used several different methods to send them my ID Theft Report, including regular mail, fax, and their website 's upload feature. 
I have called them several times, and each time they claim that they do not have to follow the requirements of FCRA 605B. This is despite the fact that they acknowledge that I have sent the proper documentation required under 605B ( a ) for blocking fraudulent accounts.

They have cited none of the reasons for which FCRA 605B ( c )  would allow them to deny a block. Even if they were to cite any of these reasons, they have no evidence to invoke them. 

As a military veteran, I am shocked and disgusted that a large, supposedly trustworthy company, operating within the United States, would willfully ignore a federal law that applies directly to them. 

The four days Transunion had under FCRA 605B to remove the fraudulent information has long since passed. If this not resolved quickly, I will be suing Transunion in federal court for willful noncompliance for all damages allowed under FCRA 616.

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 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The company is still reporting the wrong information ... its shows 30days late on different months and the in the report I have found severa inaccuracies. So if I can see the inaccurate information. How they cant. What did they check the information on to see that it was accurate ... I dont understand how in XXXX I was 30days late with XXXX but on time XXXX and Experian. Then in XXXX late with XXXX and Experian and on time with XXXX ... My Open Date is Wrong, My Last Reported Date Is Wrong, Date Last Active Is Wrong, Date Last Payment Wrong .... So Please Tell me how there following the laws of the FCRA if the information they say to be true and accurate is not In fact accurate ... I Never missed a Payment ... please update my credit report to payed as agreed and remove the 30day late payment 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