vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: NY

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.

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 explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
i pay the principal now i reach 69.75 %. 

they said to remove the pmi need reach 65 % my loan is conventional. 

they said : Currently your LTV is 69.75 %. Additionally, and your loan is seasoned less than two years. As your loan secures an Investment property and/or Multi-Unit property, the LTV must be at 65.00 % or less to qualify for PMI removal XXXXased on the Original Value of your loan, via paying down the principal balance of your loan. 





If you wish to proceed with removal of PMI, you have the following options available : Original Value Removal Option You may pursue PMI cancellation based on the Original Value of the property determined at closing. You can make a pay-down towards the principal balance of your loan to reach the required 65.00 %. As of today, the required amount needed to reach the required 65.00 % for PMI removal is {$32000.00}.

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 2024-01-24 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: NJ

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.

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 2024-01-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX 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  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 an account without my written instructions I asked for the accounts to be validated for accuracy and after receiving documents from the credit bureau they state all accounts are accurate. I have enclosed documentation showing inaccuracy violated

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 2024-01-24 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: GA

Complaint narrative:
Subject : Urgent Request for Correction of Credit Report Information Dear Experian, XXXX, and XXXX Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with XXXX XXXX XXXX XXXX. 

Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry.

I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late. 

The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ).

Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments. 

Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies.

I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that XXXX XXXX XXXX XXXX complies with these obligations to rectify any potential adverse impact on my credit history. 

In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. 

Your prompt attention to this matter is crucial, and I trust that Experian, XXXX, and XXXX will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. 

Done in good faith.

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 2024-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Property Receivables, Corp
State: TX

Complaint narrative:
They ( Property Receivables corp ) have sent me a bill out of the blue at the same time reporting negative information to the credit bureaus. 

Copy of my email to them is below ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... 

Attn : XXXX XXXX Good day - I received an invoice from your office on behalf of XXXX XXXX XXXX XXXXXXXX which says I owe a balance {$1800.00} which I am disputing. 

When I moved out of XXXX XXXX XXXX XXXXXXXX I left the unit in good condition with no balance due or any damages to the unit so please explain to me why I am being charged for new paint, new carpet, and other various misc charges along with the final Minol utility bill of {$3.00}, which I paid in full directly to XXXX XXXX on the XXXX XX/XX/2023. 

Since you are asking me to pay for all of these charges, I am requesting for proof along with all the receipts and explanations of each charge you are saying I owe. 

In addition, I never received an invoice directly from XXXX XXXX XXXX XXXX  saying I that owe anything and you have sent me a bill simultaneously reporting this negative information to the credit bureaus without allowing me any reasonable amount of time to even begin to resolve or dispute these charges so I am requesting you to immediately remove all the negative information that you have reported to all of the credit bureaus. 

I will be looking forward to hearing back from you within the next 30 days. 

Sincerely- XXXX XXXX ( he/him )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In XXXX of XXXX my spouse received and email requesting that I contact a debt collection agency. Upon calling them, I discovered that my XXXX XXXX credit card balance was past due and had been sent to collections. I have never received any notices to this effect and was never sent a bill and the company never attempted to contact me to notify me of the past due balance. Upon further investigation I found out that XXXXXXXX XXXX  had sold the XXXX XXXX account to XXXX. I was never notified of this change and never contacted by either of those companies. In fact, neither company had my correct billing address or phone number. I have lived at my current address since XXXX and changed all of my addresses upon moving which means XXXX provided incorrect data during the transfer to XXXX. 

I had automatic payment set up so my balance would be paid off each month and I would not have to worry about past due balances. I'm assuming this automatic payment arrangement didn't transfer over when XXXX took over the account. Had I been notified of this transfer of ownership, I could have prevented this from happening. 
I have opened a dispute with the credit reporting agencies and tried several times to contact XXXX to pay off the original balance which as only {$72.00}. ( I have been sent to collections for {$360.00} with interest. ) That absolutely was my debt but since the account has been transferred apparently they were not able to take the automatic transfer from my bank account as they had been doing in the past. 

Once again, no attempt was made to contact me by either company involved. XXXX and XXXX have an obligation to ensure that they have all customer information correct and notify customers of any changes to their account. Since this was never done in my case, I'm filing a complaint against both of these companies.

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 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, while undergoing the process of refinancing my mortgage, I was informed by the mortgage originator of an unexpected lien on my property. Subsequent investigations revealed that this lien originated from a default judgment against my wife in XXXX, concerning a minor credit card debt managed by a Florida-based debt collector. ( https : //raslavrar.com/ ). The judgment, obtained without proper service as evidenced by an inaccurate physical description in the service document, led to the filing of a lien against my property, which was not disclosed during our XXXX  XXXX bankruptcy filing in early XXXX. Further, I am suffering the consequences without any attempt at notification. 

I wish to express my concerns regarding this matter : XXXX. The lien 's association with my name on the county recorder 's website, despite my non-involvement in the debt, appears to contravene the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the publication of debtor lists that defame individuals not party to the debt. 

XXXX. The placement of a lien on a homestead property for a debt unrelated to the property itself contravenes Florida law. The collection agencies actions in this respect seem ethically questionable, particularly given their awareness of these legal stipulations. 

XXXX. My right to be notified and participate in legal proceedings that could impact my property was violated. The firm 's secretive continuation of litigation and the resultant lien on my property deprived me of the opportunity to contest the matter or settle the debt. 

Further complicating matters, during a recent call to the firm to resolve the judgment for my mortgage refinancing, I inadvertently overheard a discussion indicating their refusal to accept payment due to the bankruptcy, followed by a disconnection of the call. This incident, coupled with the firm 's approach to filing liens for credit card debts on homestead properties, raises concerns about unfair and deceptive debt collection practices. 

The impact of this situation has been multifaceted, causing not only financial strain due to delays in refinancing but also professional and personal embarrassment. The requirement for a payoff quote for the judgment by the mortgage company has inadvertently affected my professional reputation in an industry where trust and ethical conduct are paramount. 

In light of these issues, I am considering legal representation to address this matter, which regrettably will incur additional costs potentially exceeding the original debt amount. This situation underscores the need for diligent legal review and rectification to safeguard against such unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
On XX/XX/2023 I logged into the portal of Sun West Mortgage Company , Inc. NMLS ID XXXX. Approximately XXXX PST. ( they are a west coast based business ). I went to submit my mortgage payment per usual and the portal kicked me off. As I attempted to login, I saw a notice on the top of the web page referencing payments not being accepted as same day past a cut off time. However I was on prior to the " online '' cut off. They also did not advise that you can call and make a payment by phone, later within the same day & it be accepted as a same day payment. The payment was accepted but processed as a XX/XX/XXXX  payment. Confirmation # XXXX. 

I called and they advised verbally, " well you could have called in the payment we accept them over the phone at a later hour, and I replied letting them know that is not advertised or found anywhere reasonable '' and my payment was made within those hours, but online. I requested they honor the payment date/time it was well before EST cut offs, and met the criteria for a payment, they declined to do so or update my credit report. I further requested a review of said circumstances and was send a {$10.00} apology XXXX gift card via mail. However I not only intended to pay by the cut off, but prior. I now am unable to access any additional support for a HELOC or otherwise due to this reported late payment, it also greatly affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am writing to file a complaint against Chase Bank regarding an incorrect fee applied to my My Chase Plan. This is a violation of their advertised promotional offer and contradicts information provided by their customer service representatives. Chase 's website clearly states that the first My Chase Plan created between XXXX XXXX XXXX XXXX XXXX XXXX XXXX on any credit card, is supposed to be fee-free for the plan 's duration. See https : //www.chase.comXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I tried to create my first My Chase Plan on my Chase credit card. Despite the promotion, I was quoted a monthly fee of nearly {$30.00}. I contacted Chase customer service on XXXX XXXX XXXX to clarify the fee. The representative explicitly assured me that there would be no fee, even though the Chase website indicated otherwise. Based on this confirmation, I proceeded with creating the My Chase Plan. Despite the promotion and customer service confirmation, I am now being charged the monthly fee. This contradicts both the advertised offer and the information I received from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 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: NM

Complaint narrative:
I have request validation of debt from them for the past 8 months and they are ignoring my request. It's mu understanding that per FCRA they are to take my request seriously.

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 2024-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I keep getting emails and letters by MOHELA stating that my IDR renewal date is approaching. My IDR renewal date is supposed to be on XX/XX/XXXX on the MOHELA website. 

However, according to studnentaid.gov, under covid -19 announcement, if my recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. Therefore, it should be pushed out to XX/XX/XXXX. 

Per Mohela website, it states that " If we do not receive your renewal in time, your payment may change and unpaid interest may capitalize. '' I have called many times and sent emails requesting my renewal date to be pushed back a year. 

There is no way of getting hold of representatives. I got put on hold over the phone for hours and hours. Mohela even got rid of phone option to speak to a live person. 

At the end, MOHELA simply does not reply back to the emails/calls. 

My IDR renewal date should be pushed to XX/XX/XXXX as stated on studentaid.gov, and it should be reflected as XX/XX/XXXX on MOHELA. 

The wrong renewal date of XX/XX/XXXX is approaching but Mohela has not made any corrections. 

I am afraid that my loan payment will wrongfully increased and i will be stuck with a large Lum sum of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am a victim of identity theft, I have no knowledge of the said accounts listed in this report. Please help me in this process of removing all fraudulent account please and thank you. 

Everything is listed in the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: CL Holdings LLC
State: GA

Complaint narrative:
I am a victim of identity theft, I have no knowledge of the said accounts listed in this report. Please help me in this process of removing all fraudulent account please and thank you. 

Everything is listed in the police report.

Company response to consumer: Closed with explanation