vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Mortgage — USDA 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: IL

Complaint narrative:
I took covid forbearance because of quickly rising cost of living during covid. In 2021 had nervous breakdown & had to leave job because was no longer capable; was XXXX for XXXX months & put in XXXX applications. Was finally hired by family member who made many accommodations so I was capable. With the change in jobs lost XXXX  % of my income. Multiple major life events led to another nervous breakdown & no longer capable of working. Have applied for XXXX. 

Approved for XXXX XXXX XXXX XXXX freedom " lost '' the XXXX {$9000.00} payment for XXXX  months; was told to not do anything until heard back from fm once they got it straightened out. By time they contacted me was already XXXX months late again. And when XXXX requested reinstatement quote, fm did not include almost {$1000.00} of fees. 
Approved for XXXX round ilhaf, still didn't include fees in reinstatement quote. 
Then received assistance from XXXX XXXX bc was having trouble transitioning back into making mortgage payments. Then my mom was diagnosed with stage XXXX & my expenses increased by about $ XXXX. 
-was told they'd put past due into secondary loan on end of first one. Submitted requested paperwork, due to helping mom, missed return by date. Restarted process, they claimed they didn't receive requested paperwork ( although I received confirmation email ) so they could begin foreclosure. Resubmitted paperwork & suddenly decided they wouldn't accept same documents ( but updated ) as submitted & accepted first 2 times. 
-appeared like there were XXXX withdrawals in XXXX year from my escrow XXXX year was told overage in escrow that would be paid when account became current, never received -every other year claimed huge shortage ( even though much more $ than expected had been paid into escrow year of ilhaf assistance & cost of property taxes had decreased ) -many other shady events can't think of at moment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These inquiries are fraudulent. I attempted to contact the companies and no response. I never authorized these. These are negatively impacting me and need to be removed asap before I take legal action. 
XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wrote to XXXXXXXXXXXX XXXX to lodge a complaint and request a refund concerning several leads I have received through XXXX. As a professional utilizing your platform, I expect fair and transparent business practices. However, I have encountered multiple instances where I was charged for leads that did not provide a genuine opportunity to secure work, which raises significant legal and ethical concerns. 
Summary of Issues : 1. Unresponsive Clients : Numerous leads resulted in no further communication from the client after the initial inquiry, despite repeated attempts on my part to engage. Such leads do not provide a viable business opportunity and should not be billed to the service provider.

2. Clients Hiring XXXX Professionals : I have encountered situations where clients informed me that they had already hired another professional not associated with XXXX. Charging for such leads, where there is no possibility of obtaining the job, is unfair and deceptive. 
3. Cancellations : In some cases, clients canceled appointments without any intention to reschedule or proceed with the job. These cancellations occurred before any meaningful interaction or job agreement could be established, rendering the lead effectively worthless.

4. Estimate-Only Inquiries : I have also received leads where the client was solely interested in obtaining an estimate with no genuine intention of hiring. These types of inquiries should not be classified as legitimate leads warranting a charge.

Legal Basis for Complaint : Under California 's Business and Professions Code 17200, unfair competition is defined to include " any unlawful, unfair, or fraudulent business act or practice. '' XXXX 's practice of charging for leads that do not provide a genuine opportunity to secure work may constitute an unfair business practice, as it exploits service providers by charging for services that do not meet reasonable expectations of value.

Furthermore, under California Civil Code 1770 ( a ) ( 5 ), the Consumer Legal Remedies Act ( CLRA ) prohibits " [ r ] epresenting that goods or services have... characteristics, benefits, or quantities which they do not have. '' XXXX representation that each lead is a valuable opportunity when, in fact, many are not, could be considered deceptive under this statute. 

AFTER that I have tried to dispute those charges via BANK OF AMERICA, and I got a denial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
My home mortgage was acquired by Roundpoint Mortgage Servicing LLC, and I received a letter informing me of such in XX/XX/XXXX. Prior to Roundpoint 's acquisition of my mortgage, I had requested of the prior mortgage holder to have the purchase mortgage insurance ( PMI ) fee removed. I reiterated this request with Roundpoint on XX/XX/XXXX. Only with repeated calls and emails to Roundpoint was my request addressed this summer. I was told by Roundpoint that the PMI could only be removed through a formal appraisal through Roundpoint at my expense. I agreed to proceed, although the cost, charged to me, seemed exorbitant. Eventually the appraisal was done and the PMI was removed, but not until XX/XX/XXXX. Prior to, immediately after and dozens of times since Roundpoint sent an appraiser to my home, I have asked for a copy of the appraisal. It has not yet been forthcoming. 

Roundpoint was apparently acquired by XXXX XXXX XXXX XXXX ( publicly traded on XXXX as XXXX ) in XXXX. My experience with Roundpoint customer service has been appalling -- unanswered emails, hours unsuccessfully trying to get a real person through their customer service phone number, people unwilling to share their names or any way to get back in touch when I did speak with anyone directly, assurances that the required home insurance billed to Roundpoint would be paid through my escrow account ( which it was not ), unfulfilled promises to provide a copy of the appraisal to me, etc. Instead, Roundpoint tried to sell me insurance through them for my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself 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. I never had a contractual relationship with RENTDEBT AUTOMATED COLLE company I believe the original creditor XXXX XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Loss job due to medical XXXX- had credit protection insurance with Credit Card company which I understood such claim would be covered - my claim for benefit was not processed nor were any fees returned as I paid for a credit product they did not assist with - XXXX claim took several months for determination and receipt of XXXX benefits to pay back credit card company. Due to the number of fees applied and increase accrued credit card company charged off balance and written off as profit/loss - Please update each of the three major credit bureaus to reflect XXXX balance. Provide me a 1099-C for debt cancellation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: TN

Complaint narrative:
Loss job due to medical disability- had credit protection insurance with Credit Card company which I understood such claim would be covered - my claim for benefit was not processed nor were any fees returned as I paid for a credit product they did not assist with - XXXX claim took several months for determination and receipt of XXXX benefits to pay back credit card company. Due to the number of fees applied and increase accrued credit card company charged off balance and written off as profit/loss - Please update each of the three major credit bureaus to reflect XXXX balance. Provide me a 1099-C for debt cancellation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. Account Name : XXXX XXXX XXXX  Account number : XXXX You have this account balance as {$24000.00} but the current account balance is $ XXXX have attached a screenshot of this account information below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. This account violates 15 USC 1692 ; 15 USC 1681 ( a ) ( b ) ( e ) subsections. I request all accounts to be removed within 30 days of this notice in lieu of statutory damages litigation. The contract on all closed accounts has been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. This account violates 15 USC 1692 ; 15 USC 1681 ( a ) ( b ) ( e ) subsections. I request all accounts to be removed within 30 days of this notice in lieu of statutory damages litigation. The contract on all closed accounts has been cancelled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is erroneous and I have no relationship to it. Please remove the following information from my credit report immediately 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 non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
Loss job due to medical disability- had credit protection insurance with Credit Card company which I understood such claim would be covered - my claim for benefit was not processed nor were any fees returned as I paid for a credit product they did not assist with - SSDI claim took several months for determination and receipt of SSDI benefits to pay back credit card company. Due to the number of fees applied and increase accrued credit card company charged off balance and written off as profit/loss- Please update XXXX and XXXX credit bureaus to reflect XXXX balance. Provide me a 1099-C for debt cancellation. And refund me for fees paid/interest assessed for credit product.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX # XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, 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 2024-10-15 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: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
XXXX XXXX, Social- XXXX, DOB- XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account numbeXXXX, a personal CREDIT CARD account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), and a credit card account opened at XXXXXXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX account number ( XXXX ), a personal credit card opened at XXXX XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX Balance {$5900.00} XXXX  XXXX XXXX Balance {$1100.00}

Company response to consumer: Closed with non-monetary relief