vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I am owed my escrow balance from the sale of my home in XXXX XXXX, which was completed on XXXX XXXX, 2024. I have yet to receive any payment back. I have called multiple times and am continue to be to told that it is in the mail. I have had them stop payment and reissue my refund check yet nothing has arrived. 
I called to get status today and they hung up. I am owed my refund of {$4500.00} dollars and interest on that money as it continues to sit with them with no recourse for me, the rightful owner of said funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
The loaned vehicle was involved in litigation against the manufacturer for serious defects totaling over XXXX. Before litigation filing, I requested help from the lender ( TD Auto Finance a division of TD Bank N.A. ) The Lender declined to provide support against the manufacturer and dealer. During this time my business was impacted by XXXX and payments were starting to become late. We were able to catch up each time. In early 2024 I shared with the Lender that my business is filing for XXXX  and I likely will be doing so personally as well. The lender charged off the account and has been reporting negatively ( XXXX ). Business changes like the wind and I was in a position not to file XXXX  and pay off the account ( XXXX [ balance totaling over XXXX ] ). The lender has been completely uncooperative. I am restricted in every way to pay them from debit cards to ACH transactions. I am forced to make XXXX transactions of {$2500.00} via card/ach but then I am maxed out for the month. They are instructing me to drive to a TD bank XXXX states away for the remainder if I want to pay it this month. They also refuse to provide positive reporting for the payment in full. They claim they are unable to make manual entries... I call XXXX. 

Details : Charge-off date : XX/XX/XXXX Payment after charge off : XX/XX/XXXX {$7500.00} Following Payment : XX/XX/XXXX {$4500.00} Following Payment : XX/XX/XXXX {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UPGRADE, INC.
State: VA

Complaint narrative:
Due to hardships including the XXXX XXXX XXXX XXXX XXXX and taking on the responsibility of her estate including her pets, as well receiving XXXX XXXX XXXX XXXX for myself, I fell behind on payments for the first time with any of my accounts with Upgrade in XX/XX/XXXX. Upgrade refuses to give me payment options for this account. I had turned to a debt restructuring program at around this time, This debt consolidator  is allowing my accounts to languish and is not settling in a timely manner, so I called Upgrade to discuss options on XX/XX/XXXX and XX/XX/XXXX. I was told both times that they can not speak to me because the debt consolidation company has a XXXX on my account and my only option is to remove from the account from the consolidation service then call them back. This is false. The document they were provided with is a Letter of Authorization and nothing in the letter prevents me from discussing my account with Upgrade. The operator I spoke with on XX/XX/XXXX ( XXXX ) admitted that they wouldn't even speak to the debt consolidation service until the account became XXXX  days overdue and the account has not hit that threshold at that time. XXXX appeared to be trying to push my account into default which is a detriment to my already difficult situation. I am requesting that they provide payment options so I XXXX choose on how best to proceed in improving my financial situation ( to either pay Upgrade directly and remove my account from the debt consolidation program AFTER coming to an agreement, or to let Upgrade know that I will be staying with my current debt consolidation program if I am unable to meet their terms upfront ) .I am also requesting that Upgrade does more train their employees on the correct way to handle situations like this other than to give consumers bad information to rush them off of the phone. 
I also contacted the XXXX  of XXXX  on XX/XX/XXXX to try and get a resolution. Upgrade ran down the clock with XXXX form letters that did not address my requests. The XXXX  closed out the complaint with the note : Answered-The business responded to the complaint, but the consumer remains dissatisfied. 
I made good faith payments on XX/XX/XXXX ( {$20.00} ) and XX/XX/XXXX ( {$20.00} ) to try to keep the account open until I could reach a resolution with Upgrade. I logged into my account today XX/XX/XXXX to try and make another payment. The sentence " Your account is charged off. To avoid your debt being sold to a third party, pay your amount in full '' is now on my account dashboard. The amount in full below it states {$2700.00}. I have not received any official notification outside of this display that my account was being charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brown and Joseph, Ltd
State: FL

Complaint narrative:
I was contacted by Brown & Joseph XXXX XXXX XXXX XXXX telling me I owe a debt to XXXX XXXX XXXX and that they are collecting this debt. I do not know what they are talking about, I never had a debt with XXXX, and no proof was provided that there is such a debt existent. Moreover, my XXXX  ( XXXX XXXX XXXX XXXX ) was dissolved in 2023, and has not been operational, so there should not be any debt for a dissolved XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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:
Please assist me with the negative items on my report. I have already provided the XXXX requested documents, along with the dispute letters and details of the specific accounts I want removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : 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 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 2024-08-09 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-08-09 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: GA

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is making me worry a lot, can't help but noticed this inquiry on my credit report which I do not recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened because I did not apply for this.

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 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Acct XXXX XXXXXXXX DOB : XX/XX/XXXX  My Account is being charged twice for the same payments, this is affecting my cash flow and adversely hindering day to day task. It is very inconvenient

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 2024-08-09 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: TX

Complaint narrative:
I hope youre doing well. Im following up on my earlier request for assistance. Ive already submitted all the required documents concerning the item that doesnt belong 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 2024-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Original Creditor XXXX XXXX XXXX has improperly shared my data with third party MEDICAL DATA SYSTEMS which violates HIPAA law. Furthermore. Pilates privacy act of 1974 situating a violation of my consumer rights. In previous complaint XXXX has stated that it does not own this debt nor is it a debt collector but collect debt on behalf of their original creditors. See it here MEDICAL DATA SYSTEMS HAS NO NMLS ID to collect in the state of GA. Nor can it provide original documents with wet signature that constitutes a contract between me and the original creditor or between me and XXXX. Lastly reporting to the credit bureau an account as closed states you have documents that a contract was instituted between said consumer and entity. Please furnish internal records following federal procedure 1002 also TAKE NOTICE AS THIS IS A CEASE AND DESIST for all forms of communication hereby of me or my personal information. FCRA Section 809 ( b ) and FCRA Section 623 ( a ) have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
On XXXX XXXX, 2024, we received a call from the collection department of Flagstar Mortgage, XXXX XXXX XXXX, XXXX Texas. This is the XXXX month I've received a call from their collections department. On their monthly statement it states, late fee will be charged after XXXX I've never had a payment post on the XXXX of the month or later, nor have I missed a payment, but their 'collection ' department continues to call and, in my opinion, harass us. I called their customer service department on XXXX XXXX, 2024 and this time, when I asked how to stop receiving calls from collections, their rep ( I did not get her name ) told me the only way to stop those calls was for us to enroll in their auto payment program. That by definition, in my mind, constitutes extortion ; Extortion is the practice of obtaining benefit through coercion. 

They are trying to force us into subscribing to their automatic payment system! 

I have found the same complaint from another XXXX customer, on XXXX. See attached file...

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 2024-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: DC

Complaint narrative:
I received correspondence that my servicer was switched from XXXX to AidVantage. While with XXXX, the total payment for my XXXX loans was {$230.00}. I applied for the XXXX program in XX/XX/2024 and was placed in administrative forbearance. I then made XXXX interest payment to XXXX. The XXXX program has since been struck down by a court. TodayXXXX XXXX/2024, the AidVantage website states that my loan payment is {$510.00}, over XXXX times what I have paid for many years. A representative at AidVantage had no record of my account or payments with XXXX and tried to force me to apply for new repayment plans. I repeatedly stated that I only want to resume the status quo that existed before the XXXX application and the court 's decision. However, the AidVantage representative essentially expressed that I was out of luck because I could not identify the specific names of loans that I had, that AidVantage did not have XXXX 's records, and that she could only offer me new loans. This is a scam of the highest order. Please return me to the status quo that existed prior to XX/XX/2024. I would like to resume payments of {$230.00} immediately, but this is not being offered to me. I am being forced to prove the records of the federal government and its chosen servicer. This is unfair.

Company response to consumer: Closed with explanation