vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Credit Information Account : XXXX OF XXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXX High Balance : {$13000.00} Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Payment after charge off/collection, Canceled by credit grantor, Unpaid balance reported as a loss by credit grantor Credit Limit : {$12000.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau Reports : XXXX : Account reported with a high balance of {$13000.00}, last verified on XX/XX/XXXX, and a paid status after charge off/collection. 
Experian : Account reported with a high balance of {$0.00}, last verified on XX/XX/XXXX, and an unpaid balance reported as a loss by credit grantor. 
XXXX : No detailed information provided, indicating potential discrepancies. 


Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 
I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
My mortgage servicer ( Mr. CooperXXXX ) didn't pay my homeowners insurance on time, on XX/XX/year>. I then had roof damage and tried to file a claim on XX/XX/year>. I got on XXXX way with my insurance ( XXXX XXXX XXXX ) and mortgage service to get a payment processed before the cancelation date. The mortgage servicer sent me an email stating the payment was made on XX/XX/year> in the ampunt of {$3100.00}. This was incorrect. After talking with them on the phone they stated that the XX/XX/XXXX payment didn't process and was refused by the insurance company. So they tried again on XX/XX/XXXX, same thing. They then mailed it on XX/XX/XXXX. But this is too late and the policy has been canceled. Now the mortgage company is stating that they will allow me to take their insurance, which will be 4 times the amount of my previous policy, and even file a claim for the damaged roof at a diminished coverage. But I wouldn't be in this situation if Mr. Cooper had paid the insurance on time since they control my escrow, which I have XXXX control over. This has also put my XXXX loan in jeopardy because without proper insurance I can't refinance and lower my interest rate. Which prevents my mortgage payment from going down. So this impacts my personal finances.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association
State: CT

Complaint narrative:
I have one months payment sitting in the suspense account that I need applied to the loan. Online payments have been blocked even when the account gets to less than 2 months behind making it difficult to make payments on the mortgage. I haven't had insufficient funds that would cause a block online. Online it shows an inaccurate amount of days past due which is why i would like to get the payment applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: TX

Complaint narrative:
XXXX XXXX XXXX and XXXX - XXXX both of these are collection accounts and I have not entered into an agreement with this company and is not the original creditor. Per 15 USC 1692 ( g ) or 15 USC 1681C-2 Attempted to request removal directly XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NORTHERN OHIO INVESTMENT COMPANY
State: KY

Complaint narrative:
Victory Mortgage Bank, XXXX XXXX XXXX, XXXX XXXX, and the developer, XXXX XXXX all colluded to control mortgage rates, home prices, and complaints about the development of the neighborhoods to limit the buyers ability to raise issues. I have complained about our HOA and the financial standing, which led me to uncover their larger apparent scheme. In addition to the group mentioned above XXXX XXXX was also a former director and XXXX  of XXXX XXXX XXXX company that is a subsidiary of XXXX and XXXX XXXX XXXX, for whom invest in XXXX XXXX XXXX. It seems to me that they don't have enough distance in the mortgage creation and investment process of XXXX, as a consumer would want.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-16 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 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX, XXXX $ It was sent to collection and it is now on my credit report as collections. 
The action I took was I called the company that sent it too collection ( XXXX XXXX  ) and stated to them this fraud. I request documentation and they said they no longer have it.

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 2024-07-16 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: IL

Complaint narrative:
Hard Inquiry : EQUIFAX CREDIT REPORT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( FCRA ) Section 605 ( B ) It is illegal to report information on my credit report without my permission. Remove this item from my credit report immediately. I have no accounts with those company 's. This is fraudulent activity on my credit report. 

Employment Info : EQUIFAX CREDIT REPORT XXXX XXXX XXXX XXXX XXXX I have never work for those companys that is incorrect employment history and would like for this information to be remove immediately. 

My correct employment info is XXXX XXXX XXXX XXXX can you update my correct employment information immediately and remove those inaccuracies of employment info. 

EQUIFAX CREDIT REPORT Close Account : Charge off : {$1400.00} Credit Limit : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show follow ownership of such account and also other documents so I may review to see if this actually an account that belongs to me. 
15USC 1681A ( 2 ) Stating I didnt give written permission to have this account furnish on my equifax credit report account. I would like this account to be remove immediately. 
( FRCA ) Section ( B ) It is illegal to report information on my credit report without my permission. Remove this item from my equifax credit report immediately. 
15USC 1692 ( C ) If a consumer notify a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. I ask that you move this immediately. 

Also these items are not reported on my XXXX or my XXXX Credit Report. So I need these items remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Mortgage — Other type of 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: Fay Servicing, LLC
State: FL

Complaint narrative:
I requested this information on XX/XX/year> and XXXX  for a payout balance so I get a quick sale on my home because they are rude and anytime you call them nothing never solve

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: LA

Complaint narrative:
As a federally protected consumer, I am highly disappointed and unsatisfied with Jefferson Capital Systems , LLC. My name is XXXX XXXX and I am making this complaint against Jefferson Capital Systems , LLC for committing identity theft. I have no recollection of authorizing or giving Jefferson Capital Systems any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Jefferson Capital Systems and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XXXX XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Jefferson Capital Systems any right to collect on this alleged debt. I have also never received any documentation requesting validation from Jefferson Capital Systems before they decided to commit multiple federal violations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by furnishing this alleged debt to my consumer report ; including, but not limited to, 15 USC 1692d ( 4 ), which the FTC recognizes as DEBT PARKING. If Jefferson Capital Systems can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently and unauthorized fraudulent account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until Jefferson Capital Systems can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If this documentary evidence can not be produced and Jefferson Capital Systems continues its collection efforts, I will file for arbitration and Jefferson Capital Systems will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant XXXX XXXXf. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Block, Inc.
State: KS

Complaint narrative:
I created a payroll on square team app. Square then decided to close my account when I attempted to pay my employees. They left my employees mad and upset and refuse to release over XXXX XXXX in funds. That is highly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: CO

Complaint narrative:
Key bank has taken funds without my knowledge out of my account, ive had transactions made in XXXX XXXX they said that i made them while i can not fly and did not leave the XXXX XXXX, Im going through a divorce right now and filing a XXXXXXXX XXXX case my mental health is at the lowest ever, ive had XXXX XXXX XXXX in the past 3 months. Im very tired and the money was taken away from me was going to be used for medical and legal purposes like paying a lawyer etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Credit Information Account : XXXX XXXX XXXXXXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor XXXX XXXX XXXX XXXX Account Number : [ XXXX ] High Balance : {$14000.00} Balance Owed : {$14000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off account, Accounts closed by credit grantor Credit Limit : {$0.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau Reports : XXXX : No detailed information provided. 
XXXX : No detailed information provided. 
Equifax : Account reported with a balance of {$14000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 

Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 
I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Credit Information Account : XXXX XXXX XXXXXXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : XXXX XXXX XXXXXXXX Account Number : [ XXXX ] High Balance : {$14000.00} Balance Owed : {$14000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off account, Accounts closed by credit grantor Credit Limit : {$0.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified.

Incomplete Information : Certain details are missing or inconsistent across different credit bureaus.

Credit Bureau Reports : XXXX : No detailed information provided. 
XXXX : No detailed information provided. 
Equifax : Account reported with a balance of {$14000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 

Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 
I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Paypal charged me a {$41.00} for a late fee when I missed the payment by one day. I understand my responsibility to pay in timely manner, however {$41.00} is extremely excessive. This should certainly be regulated by the Consumer Financial Protection Bureau. Normal working people can not afford to utilize the services of a company that is going to charge that much for a late fee.

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 2024-07-16 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: FL

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 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I didnt receive notice of the debt, I do not authorize that debt according to my consumer rights. I have tried to dispute multiple times do to my rights of them reporting false information upon my credit report the information is inaccurate an LVNV FUNDING LLC does not want to respect my rights an a consumer they are violating them. That has taken a big toll on my credit report an would like to have it deleted and removed off my credit report.

Company response to consumer: Closed with explanation