vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MT

Complaint narrative:
I have a VA loan with Freedom Mortgage and I am selling my home. I am doing an assumption with the buyer who is a XXXX as well. Freedom mortgage is has taken well over the 60 to 90-day time period they claim it takes to do an assumption. I am stuck with no home now because they are refusing to move faster to close my assumption to the new buyer. This was supposed to be closed at the end of XXXX and now its looking like it may not even close at the end of XXXX. There inability to close the assumption is now costing me XXXX of dollars, because I have to temporarily rent a new home and continue paying on my current mortgage. This should be illegal and someone should have to pay for this injustice. Also, everytime I call, the representatives who answer the call say they can not help me and they put in a request for an assumptions representative to call me back and tell me it will take 2 business days. Its been 5 business days and nobody has called me back. I also called them on day 3 and day 5 and they keep saying they are elevating the issue. This is the third time I've requested a call back with nobody from the assumptions department reaching back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credimatico LLC
State: TX

Complaint narrative:
Crediterium sent an email saying I was approved. When I asked to speak to XXXX XXXX I was told I never applied for a loan. When I read it she said the email was sent a month ago. I explained I just got the email. They only have one receptionist to answer the phone. The receptionist is the rudest person I have ever talked to at a business. Because the phone calls are recorded they can pull the calls and dictate the entire call where I repeatedly asked to speak to someone else. Also the have a message line that was full so leaving a message was not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
USDA rural housing development home loan mortgage was paid off XXXX of XXXX. Account number XXXX. USDA cashed the check in XXXX of XXXX for {$120000.00}. I never received signed payoff title. I worked with a title agency. 
For property located at : XXXXXXXX XXXX XXXX XXXXXXXX KY XXXX. 
Our File No. XXXX contact person is : XXXX XXXX  XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I received a check for over {$20000.00} and realtors were paid. The payoff was provided by the USDA. For the last 2 years and 10 months, I have contacted the company. The company continues to report to all 3 credit bureaus that a house payment has not been made since XXXX of XXXX, ruining my ability to buy another home for my family of XXXX. I am also unable to rent an apartment due to my credit score. My husband and XXXX XXXX  children have been " homeless '' for almost 3 years due to the company incompetency. In XXXX of XXXX, the company reported additional charges for " foreclosure '' fees over $ XXXX on all 3 credit bureaus. I have disputed with every credit bureau each time. It'll fall off my credit report then only to reappear again. 
I've spoken with XXXX, XXXX XXXX and XXXX in the foreclosure department, each informed me that this is their mistake, and the letter will be mailed, and everything will be ok. The USDA failed to apply the payment to my account due to COVID and " working from home '' until XX/XX/XXXX. That is how they calculated the " foreclosure fees '' based on paid off in XXXX and hence the reason the company states it is their error and not a valid charge. I have spent countless hours on the phone only to be told, it's taken care of, and I never receive the letter. I can not get anyone that can help me on the phone and have to wait for call backs from the foreclosure department. I've asked to speak to manager only to be called and told, the manager on the phone can't send me the letter but " XXXX XXXX '' will call me and can email or mail me the title payoff letter. I have never received a call or letter from XXXX XXXX. Then the phone call process starts over again. I have reached out to a real estate attorney, and they confirm, there has never been a lien or foreclosure against my previous home XXXX XXXX XXXX XXXX, KY XXXX. I have contacted the USDA, FRCA, XXXX, Experian, XXXX, XXXX, and the state attorney general ( s ) for Kentucky and Missouri to no resolution.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # DEPT OF ED/XXXX  Account number XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # DEPT OF ED/XXXX  Account number XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name DEPT OF ED/XXXX Account number XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name XXXX  XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2023-06-23 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: CA

Complaint narrative:
This is to inform you that I XXXX XXXX is a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged 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 non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Today is XX/XX/2023 and about two weeks ago I contacted Chase bank ( I bank with them ). The branch is located at XXXX XXXX XXXX, XXXX, IL XXXX. I used to have a safe deposit box and I received a letter earlier in the year stating they will start charging me an annual fee of {$50.00}. I decided to return the keys for the box and cancel the service. I don't recall the date but it was shortly after I received the letter ( maybe XXXX or XXXX timeframe ). 

As I was reconciling my checking account about two weeks ago, I noticed the {$50.00} safe deposit box fee was taken out of my checking account on XX/XX/2023. I called Chase and spoke to the branch manager ( XXXX ). I explained to him that I returned the keys to the safe deposit box and closed it. I didn't receive any paperwork for this unfortunately and it didn't occur to me to ask. XXXX told me he needed to research and that he'll get back to me. I never heard back after about two weeks so I went to the branch to talk to him. I told him to review the cameras and he will see that I personally handed him the keys to which he told me that it wasn't him that I gave the keys to. He also told me that they don't have cameras ( sure ok ). 

Anyway, I gave back the keys to the box and closed this out several months ago. I want the {$50.00} credited back to my checking account. I'm sure this is happening to other customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a cheque from my roommate totaling {$11000.00} to reimburse me for booking a residence in California for a few months. A day after depositing the cheque, I received an alert from Chase Bank that my checking account is being suspected of fraud, and that a restriction is placed on the account. Additionally, the account is subject to close if I do not contact them. Immediately after receiving the alert, I contacted Chase Bank to resolve the issue. They told me that to remove the restriction on the account, they must contact the maker of the cheque ( my roommate ) by providing them with his phone number. After doing so, they said that the number I provided does not match my roommate 's name in their database. They claim that the only possible way to remove the restriction is to provide them with a phone number that they can verify in their database. 

I tried to suggest the following solutions : - My roommate and I come in to a Chase branch together to verify his identity. Chase told me that this is not possible. 
- I want them to provide me with more information on steps I can take to ensure that my roommate 's phone number can be verified in their system. They refused to give any details on this. 
- My roommate is also a client of Chase, so they should have his information on file to verify. However, since he sent the cheque through XXXX, they said this was not possible. 

Additionally, even if my account is closed, I've been informed that I will still not be able to receive my funds until I remove the restriction on my account. I currently have around {$15000.00} in this account, and if this issue is not resolved, I will be losing that full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # DEPT OF EDXXXX Account number XXXX Account name : DEPT OF EDXXXX  Account number : XXXX Account name DEPT OF EDXXXX  Account number XXXX Account name DEPT OF EDXXXX Account number XXXX Account name DEPT OF EDXXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-23 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: CA

Complaint narrative:
This is to inform you that I XXXX XXXX is a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
Attached is a letter of Notice of Data Breach from XXXX XXXX regarding the data breach that was discovered on XX/XX/XXXX. The following inquiries viewed by others and me that are currently listed on my Chex Systems Consumer Report ID : XXXX are fraudulent inquiries and comes from the data breach from XXXX XXXX : XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have reached out to LexisNexis about a bankruptcy that appears on my consumer profile and on my credit report. On XXXX occasion they told me that they verify their information with the courthouse and on another occasion they said they verified with XXXX. I have sent written proof that this is inaccurate reporting and requested that the bankruptcy be removed but it still remains as of XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
XXXX Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a or my account without my written instructions.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a or my account without my written instructions.

Company response to consumer: Closed with non-monetary relief