vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have never given Factual Data the Athorization to my XXXX XXXX, this agency is now on my credit report. 
Also XXXX XXXX I have not given then approvel to run my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have never given XXXX XXXX the Athorization to my XXXX XXXX, this agency is now on my credit report. 
Also XXXX XXXX I have not given then approvel to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: EQUIFAX, INC.
State: CA

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — VA 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: Freedom Mortgage Company
State: AL

Complaint narrative:
Last year, I was struggling to pay the mortgage after I came down with XXXX for a few months and couldn't work. I am a XXXX Veteran with a VA mortgage. 

I called Freedom Mortgage and they told me ( on recorded lines ) that I could take advantage of the Covid relief program and it specifically would NOT require me to pay a lump sum after it was up, nor would I have to go under a modification. The terms explicitly told to me over the recorded line was that " The several months would just be added on to the end of the mortgage and payments would resume as normal. '' I confirmed this multiple times during the call. 

Come to find out a few months later, not only had that program expired when the licensed agent told me that information, but the mortgage company wouldn't do anything about it and told me I had to pay ~ $ XXXX lump sum to catch up on my mortgage or modify it - the exact opposite of what I was specifically told. I fought with them and the best solution they offered was " we'll coach the agent so that they don't give the wrong info. '' I kept fighting it and eventually had to get a lawyer. During this time, the mortgage went unto foreclosure and legal fees were then applied on top of the lump sum. I was able to get enough money to cure the loan and bring it back to current. I verified XXXX times over the phone and even had a statement directly from Freedom Mortgage saying the loan was cured in full. 

XXXX months later, I get another letter telling me that I now owe $ XXXX in MORE legal fees! Freedom Mortgage did not know what these fees were, just that they were applied to the account. I refused to pay them and have the lawyer involved again. I am about to take this garbage company to small claims court because they keep giving me false information, they have the recordings and legal letters, and yet they refuse to back down from this racket. They told me my loan was cured, I paid off EVERYTHING in the bill from the law firm, and they keep trying to gouge me. I want action taken against these mobsters and get my extra fees refunded.

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 2024-02-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc.
State: FL

Complaint narrative:
I have an account showing on my credit report from Porsch Financial Account # XXXX to which it states I am a joint on. I have several issues with the account and what is reporting. This was my ex husbands account. I have never been notified of any issues with this vehicle and the past due status and the impact it would have on me. Therefore I am requesting the original contract along with any communication which was made to me to advise me of the accounting becoming delinquent etc. I am also requesting the full payment history on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account number ( please contact for ), has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. This is stated as the late payments on my credit report and being shown to outside lenders that pull my report. When I called to setup a payment plan when hours were cut at my job last summer, I was not informed that the payment arrangement meant late payments still being reported to the bureaus. Before this, I never had missed/late payments and would like them removed 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 non-monetary relief
Consumer complaint received 2024-02-14 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: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
XXXX XXXX Dangerous 92 mi Rip Through My Area, Sending a 40 Ft. Sect of Tree Through My Roof, power out, Water heater bust, sewer Pipe bust, Furnace went Out. & XXXX XXXX XXXX mom freezing cold. I Saw an Ad Online HELOC Loan XXXX.per Mo. For {$50.00}, XXXX. My Insurance was Giving Me the Run Around XXXX. Food Is Going Bad. Well I Applied For HELOC & Mo was About To StartWhen A XXXX XXXX took Over Long Story Paper Work Looked Funny, Checks Sent days Before Expiration I Was Told Not To Be issued No Money Passed Hands I Paid County Taxes w Sheriff & House insurance. I Own the House In Question Out Right Now they Want to Forclose for Mortgage I Never Got Or Received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One charged my account off. I have not received a 1099-C from the company as this is now written off by Capital One and income for me to file on my personal federal taxes. This cancellation of debit is also against the FCRA 604 ( a ) ( 3 ), prohibiting personal income included on my credit report. The in accuracy of this information is causing undo harm to my finances. I have disputed this information with the company Capital One as well as the three major credit bureaus. XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Case ID dispute XXXX {$200.00} XX/XX/year> They keep sending me emails/letter stating past due I get many different responses when I calltoday XXXX in fraud said there is no charges showing, it just hasnt cleared, been told the day I disputed there was a charge but didnt know by whom, after that rep I got supervisor saying no charge existed and the dispute would go away, it didntyesterday the rep said it had to be resubmitted and Id get an email ..did not get Macys American Express..told them nothing was received for the charge too

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 2024-02-14 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: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-02-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
I am writing to file a formal complaint against American Advisors Group regarding a reverse mortgage issued on a property that I am responsible for. Upon reviewing the loan documents received from the current loan holder, XXXX XXXX  XXXX, it has come to my attention that the property was incorrectly appraised as a single-family residence valued at {$720000.00}. In reality, the property has a 1973 mobile home that is NOT on a permanent foundation. 

The appraisal error has led to the misclassification of the property, as all of the loan documents and necessary HUD approvals refer to is as a single-family residence. This misclassification has rendered the property ineligible for the type of reverse mortgage that was issued. It is evident that the proper inspections and due diligence were not conducted during the loan application process, which has resulted in a fraudulent loan being issued. 

I only became aware of the reverse mortgage upon the passing of the borrower. The current loan holder, XXXX XXXX  XXXX, has informed me that I would need to take it up with the issuer, American Advisors Group. Despite numerous attempts to contact American Advisors Group, I have not received a satisfactory response or any attempt to rectify this situation. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against American Advisors Group for issuing a fraudulent loan. I also request that any actions to sell the property to repay the loan be halted until this matter is resolved. I have filed complaints with American Advisors Group and XXXX XXXX  XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have filled a dispute with documentation to XXXX for two creditor still reporting balance on my credit report XXXX XXXX and XXXX XXXX XXXX. With documents that was provided credit report should be updated immediately not in 30 to 45 which I was told. This is unacceptable!!

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 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
XX/XX/year> ... ..once again destiny card is saying get approved for the same {$700.00} card I was turned down on.XXXX ..it 's become harassment when ive hit unsubscribe, report spam and they wont stop

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: GA

Complaint narrative:
On this complaint listed is my FACTUALLY TRUE, VERIFIABLY VALID AND CORRECT CURRENT requisite reporting PERSONAL IDENTIFIERS. Please REMOVE ANY OTHER PERSONAL IDENTIFIERS not mentioned, requisite reported, and or NOT EXACTLY as I have above noted is most appropriate OR ELSE CERTIFICATE your right to report erroneously and or deficient of evident compliance of factual reporting particularly in relationship to mandatory perfect PROCESSES of lawful reporting and the mandatorily perfect and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: PA

Complaint narrative:
I have been going back and forth with the agencies trying to right the numerous fallacies that are being reported on my credit. This issue has been long standing for many months and items have been added without any approval or knowledge of accuracy. I am taking legal action now as I can not sit by and let the agencies continue with this fictitious reporting

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 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
XX/XX/year> i used company Remitly to send {$9000.00} dollar to XXXX to my kusin.Money didnt go true and Remitly refuse to refund money. 
I call them every 3 day and they said, ,No problem,, WE will return you money but they still refuse to do. 
is already 5 mounth they dont return my money {$9.00} XXXX XXXX XXXX XXXX!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Daily phone calls during my work hours from XXXX ( XXXX ) XXXX. Have told them that they have the wrong person and wrong number. I also continue monitoring my XXXX credit reports and I have no debts. I told them to cease and desist and sent them in text that information. The phone number seems associated with Radius Global. I warned them that I was going to report to FTC, who referred me to CFPB website.

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 2024-02-14 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: MO

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On this complaint listed is my FACTUALLY TRUE, VERIFIABLY VALID AND CORRECT CURRENT requisite reporting PERSONAL IDENTIFIERS. Please REMOVE ANY OTHER PERSONAL IDENTIFIERS not mentioned, requisite reported, and or NOT EXACTLY as I have above noted is most appropriate OR ELSE CERTIFICATE your right to report erroneously and or deficient of evident compliance of factual reporting particularly in relationship to mandatory perfect PROCESSES of lawful reporting and the mandatorily perfect and complete.

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 2024-02-14 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: TX

Complaint narrative:
Someone used my personal information to obtain credit fraudulently in my name.

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 2024-02-14 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account number ( please contact for ), has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. This is stated as the late payments on my credit report and being shown to outside lenders that pull my report. When I called to setup a payment plan when hours were cut at my job last summer, I was not informed that the payment arrangement meant late payments still being reported to the bureaus. Before this, I never had missed/late payments and would like them removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
I already submitted the letter that is attached. Long story short, ever since this company started servicing my loan in XX/XX/XXXX, I've had nothing but problems : 1. They didn't pay my real estate taxes to my municipality until XX/XX/XXXX ( after I had to spend hours playing secretary ). 
2. There were problems with my payment in XXXX - due to SELENE updating their server... they started dinging my credit with payment as LATE & tried to put it on XXXX XXXX. 
3. I received an ERMA/HAF grant and they ( a ) failed to properly disclose my ESCROW & conveniently waited until AFTER the closing for the granXXXX, to re-calculate my ESCROW ( XX/XX/XXXX ) & even though my municipality sent the updated tax bill on XX/XX/XXXX. 
4. SELENE still reported the ERMA payments as LATE & charged fees. 
5. I tried, unsuccessfully, to get SELENE to provide evidence for the increase in ESCROW ( they over estimated ). 
6. It is impossible to get thru to them. Someone has created a website to collect complaints & the XXXX had 282 complaints against them over the past 3 yrs. It looks like they have a pattern of mishandling the servicing of mortgages.

Company response to consumer: Closed with explanation