vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
The mortgage company PHH Mortgage XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has entered the home, without permission, of a deceased owner while we are processing the estate. WE notified them of the owners death and sent them a copy of the death certificate In XXXX. the owner died XXXX XXXXthey told us we had 6 months to gt the property listed for sale or get a contract on the property. They entered the home after 4 months and put locks on the doors to we can finish processing the estate. They said we had to prove we are trying to sell the house by proving we have a realtors contract or for sale signs up. I told them yes we will do that by the time our 6 months is up. they said we only have 5 months to do that, I said okay but its only been 4 months and you locked the house up! They are a call center in XXXX. they hang up on me won't send documents proving they have the right to enter the house now. I requested the forms needed to request an extension and they said they would considering offering that after I prove that the house is listed for sale. What are my options? I'm going to call the police about the trespassing. What can I do about this harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Recently I looked at my credit report and noticed several inaccuracies on my report this report concerning this account it is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : USAA FEDERAL SAVINGS BK XXXX Report # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX 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 in 60 days to be removed. 


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. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports 8

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 2024-07-26 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: AL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: SC

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Subject : Dispute Regarding GAP Insurance Claim Denial and Cancellation Dear CFPB I am writing to formally dispute the recent denial of my GAP insurance claim and the subsequent handling of my coverage cancellation. Below is a detailed account of the situation : XXXX. **Date of Cancellation Request : ** XX/XX/year> - On this date, I contacted Ally Insurance to cancel my GAP coverage. I was advised to file a claim despite my car having no fault insurance and XXXX, my primary insurance provider, not covering the total amount due to the lack of comprehensive and collision coverage. I was instructed to speak with XXXX regarding the cancellation and to proceed with the XXXX claim. 

2. **Claim Processing and Initial Information : ** - After filing the claim, I was informed by XXXX  XXXX that an insurer settlement check would be issued within 7-10 business days. I was led to believe that this settlement would cover the outstanding balance of my car loan. 

XXXX. **Discrepancy in Information : ** - Upon following up, another representative informed me that the settlement amount would not be {$15000.00} as initially communicated. Instead, I was told that this figure was merely an estimate and that GAP coverage would not cover anything because the Actual Cash Value ( ACV ) of the car exceeded the outstanding loan balance. This contradicts the previous information I was given. 

4. **Refund and Eligibility Issues : ** - I was informed that I was not eligible for a refund of the GAP insurance premium and that any potential refund would only be issued after a review. This is concerning, as I have been paying for this coverage as part of my finance charges every month. 

5. **Discussion with Supervisor : ** - I spoke with XXXX XXXX XXXX who reviewed the situation but did not provide a satisfactory resolution. The discrepancies and miscommunications throughout this process have left me frustrated and confused. 

**Summary of Issues : ** - Miscommunication about the settlement amount and GAP coverage eligibility. 
- Conflicting information regarding the refund and claim process. 
- Unclear guidance on the cancellation of my GAP coverage. 

I request a thorough review of my case, clarification on the coverage terms, and a fair resolution to the issues mentioned. Please provide a detailed explanation of why the settlement amount differed from initial information and how the refund process will be handled. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Checking my credit report a few months ago, I discovered errors regarding the account of XXXX  ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX our company accounting department found out our customer, XXXX XXXX, through XXXX XXXX, sent several deposits of funds, over an approx. period of 4 weeks via ACH deposit, to an account at Chase Bank, totaling approx. $ XXXX, intended for my company XXXX XXXX. However, my company was not aware the deposits were no longer going to the account that the funds had been deposited in for more than 2 years. My company accounting dept. thought there had not been any payments due until they realized 3 to 4 weeks had passed with no deposits. Upon an investigation with XXXX XXXX we found out XXXX had been sent a fraudulent email letter requesting forms so they could change the location of any future deposits to Chase Bank. They forged my signature and submitted the forms and the funds began getting deposited to the account at Chase Bank. My complaint is that those funds were clearly intended for my company, why can I not get details from Chase bank on when the deposits were made, for how much, and more importantly, who received those funds? 

I have attached a copy of the form sent to XXXX asking for the change to have the funds deposited to the Chase Bank account. This is a forged document. I have also attached our original ACH form, filed with XXXX on XX/XX/XXXX and you can clearly see that the signature on the forged copy does not match my signature on the form filed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: AL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-07-26 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: GA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX, account # XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. Status I have a right to provacy.

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 istructions.

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 2024-07-26 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: AL

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 non-monetary relief
Consumer complaint received 2024-07-26 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:
I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2024-07-26 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: LA

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 explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I XXXX XXXX dispute this debt and request validation of the debt under the fdcpa.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: SC

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
I was informed that due to an error in communication with my insurance company that pennymac did not completely pay my insurance fee causing my insurance to be cancelled in XXXX of XXXX. I did not know this had happened until XXXX of XXXX. Because of this I had no insurance for a year. Now that I am seeking new insurance my insurance fees are extremely high ( XXXX dollars higher ) due to the lapse in coverage even though it was not my fault I didnt not have insurance. I paid every mortgage payment diligently and on time therefore my escrow should have been paid on time. Due to this increase in insurance my house payment is scheduled to go up XXXX dollars which I will not be able to afford and I have a major escrow shortage of XXXX dollars which pennymac will not explain to me or help me lessen as it is their fault. XXXX has not done anything to mediate this and refuses to help with the insurance cost and my escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with explanation