vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I currently have {$380.00} available in cash back to redeem but customer service is not allowing me to redeem it saying since they closed my credit account ( without my knowledge ) they will forfeit the rewards. This forfeiture is extremely unjust in my opinion because : 1. I provided all documentation they requested and they are all valid. Front and Back of Driver 's License, Front and Back of Social Security card and Two different utility bills to verify my current address, I have used these documents numerous times for identity verification. They still closed my account and did not provide me any grace period to redeem the {$380.00} rewards.

2. They never reached out to me by email or phone- asking me a question or for explanation, clarification regarding my use of Credit. They completed the review without giving me any opportunity for a mutual understanding.

3. I've been very proactive with my reaching out to them. I called Account Protection just because my card was not working and after speaking with a helpful agent I emailed the documents as soon as I got off the phone. A few days later, I even called to follow up on review.

4. Overall I feel my account was not only closed without any clear understanding or due diligence but I believe it is even more wrong not giving me the rewards I earned. I hope you will try to somewhat correct the situation in recognition of my efforts and all great communication I have with your CSRs over time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-25 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: NC

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX  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 2023-12-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Movement Mortgage LLC
State: HI

Complaint narrative:
**Complaint Details : ** **Background and Issue Description : ** I am filing this complaint against Movement Mortgage , LLC concerning the handling of the loan assumption process for my mortgage loan ( Loan No. XXXX ) on my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The process has been fraught with delays and mismanagement, causing me potential financial harm. 

**Timeline of Events : ** - The initial engagement with Movement Mortgage for the loan assumption process began in XXXX of XXXX. 
- Despite repeated inquiries and communications, including those facilitated by my legal representative XXXX XXXX XXXX, XXXX, there has been minimal progress and no definitive resolution as of XX/XX/. The dates of correspondence from my attorney to Movement Mortgage include : - XX/XX/XXXX  - XX/XX/XXXX  - XX/XX/XXXX  **Impact on Consumer : ** The inefficient handling of the loan assumption process is placing me in a precarious financial position. I am in the midst of purchasing a new home, contingent upon the successful assumption and sale of my property at XXXX XXXX. The ongoing delays are endangering this purchase, as I can not obtain any further extensions for the transaction. 

**Specific Issues : ** - **Lack of Clear Communication** : Movement Mortgage has failed to provide consistent and transparent updates on the status of the loan assumption process, causing uncertainty and stress. 

- **Risk of Financial Damage** : The delay in the loan assumption process threatens the sale of my current property, directly impacting my ability to purchase a new home. This situation puts me at risk of losing the new property, as the purchase is contingent on the sale of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: MD

Complaint narrative:
Accounts were closed/charged off by original owners of the accounts. Sold to third party collectors who then reported incorrect account amounts and incorrect dates that the accounts were opened. They then list them as derogatory/in collections in addition to the original owners making it look as if there are double the amount of accounts that o have in collections. Instead of two it shows five. I asked the credit bureau 's to investigate and obtain validation of the amounts and date and no changes are made. The information is INCORRECT and fraudulently reported therefore should be removed and they have done nothing. No information has been provided to me to verify the opening date of the accounts or the increased amounts listed because they dont have any validation to support what has been reported.

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 2023-12-25 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: American Liberty Mortgage, Inc.
State: FL

Complaint narrative:
In XXXX  American Liberty Mortgage messed up my opportunity to buy a home. The owner XXXX XXXX provided information to an employee, XXXX, and then went on vacation. She gave the wrong information about how to do an approval for a XXXX  loan and stated they only needed one year 's tax return because I had a business for 10 years. They pre-approved me for the wrong amount and pulled my credit about 5 times. I got a home under contract and paid for the home inspection. Then they came back and told me they had to take the average of 2 years tax returns instead and the new pre-approval amount 'killed the deal ' so I could not buy the house and had to find a way out of the contract. Since they had pulled my credit score so many times it made my score go down a lot and I could not buy a house for about 2 years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX was sold to another creditor XXXX XXXX XXXX ( XXXX  ), and this account has been settled and paid off as of XX/XX/.

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 2023-12-25 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:
XXXX XXXX XXXX XXXX was sold to another creditor XXXX XXXX XXXX ( XXXX  ), and this account has been settled and paid off as of XX/XX/.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX  card was sold to another creditor XXXX XXXX XXXX ( XXXX  ), and this account has been settled and paid off as of XX/XX/.

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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan. Reporting XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. Reporting XXXX XXXX XXXX is reporting should be removed. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: IL

Complaint narrative:
Account XXXX does not belong to me was opened fraudulently. Account needs blocked and deleted due to identity theft

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 2023-12-25 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: NC

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX, XXXX and TransUnion. XXXX sending them the last letter dated XX/XX/, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX, XXXX and TransUnion have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : 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 2023-12-25 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: NC

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX, Equifax and XXXX. Dispite sending them the last letter dated XX/XX/, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX, Equifax and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: NV

Complaint narrative:
These inquires should be removed as I did not authorize them to pull my credit and they do not have written authorization. Immediately! 
Certainly! Here 's a formatted list of the items you provided : 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX 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 2023-12-25 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: NV

Complaint narrative:
These inquires should be removed as I did not authorize them to pull my credit and they do not have written authorization. Immediately! 
Certainly! Here 's a formatted list of the items you provided 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a complaint regarding a recent dispute with Equifax on XXXX XXXX   ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) Despite my request for Method of Verification information on XX/XX/XXXX  ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) In relation to items on my consumer report I have not received the necessary details. The disputed item is in regards to late payments being reported on my consumer report from my XXXX XXXX XXXX XXXX ending in XXXX and I believe that obtaining the detailed step by step Method of Verification is essential to ensure the accuracy of the information reported. I have previously submitted a dispute with Equifax on the above stated date. Although Equifax responded with a stall letter on XX/XX/XXXX  simply updating the account as it was with no changes which is a failure to provide the detailed method of verification with specifics, and has reached the extended amount of time In which the original letter was sent out on XX/XX/. This delayed process is hindering my ability to resolve this matter effectively. I kindly request that the CFPB intervene in this situation to ensure compliance with the Fair Credit Reporting Act ( FCRA ). Your assistance in compelling Equifax to provide the necessary Method of Verification will be greatly appreciated. Thank you for your attention to this matter. I can be reached at XXXX for any for further clarification or documentation needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I became a victim of an investment scam. Please see attached letter for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im submitting a complaint because I have several credit inquiries from all 3 credit reporting agencies that's affecting my ability to obtain and use my credit to its maximum potential.

TransUnion reporting agency is reporting 4 unauthorized inquiries that's not connected with any open account that's reported on my credit profile. 
Here are the dates and accounts that are reporting unauthorized on my credit profile XXXX XXXX on XX/XX/ XXXX XXXX XXXX on XX/XX/ XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX on XX/XX/2023 XXXX reporting agency is reporting 2 unauthorized inquiries thats not connected with any open account that's being reported on my credit profile. 
XXXX XXXX XXXX on XX/XX/2XXXX XXXX XXXX on XX/XX/2023 XXXX credit reporting agency is reporting 6 unauthorized inquiries that's not connected with any open account that's reporting on my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/, XX/XX/, and XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX  All of these listed inquires are unauthorized and shouldn't be listed on my credit profile.

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 2023-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I applied for a Revvi credit card on XX/XX/XXXX  with reference number XXXX, on XX/XX/XXXX  I was asked to send certain piece of documentation they needed to continue with the application. These documentation was sent through Fax and regular mail. 

On XX/XX/XXXX  ( 4 days before the deadline of 30 days was over ) NOT A CALL but an email was sent to request a call back. I called them and they needed my Social Security card to have my signature. I told them it doesn't matter if I send this latter but they needed to finish the application process. The same social they got is the same social they will see with the signature on it. I was at the XXXX XXXX in XXXX at that time and told them I was gon na come back to the US on XX/XX/XXXX. When I did, I sent through email my Social with the signature one it, and the called. I was told they were going to contact the back office. They never did. 

All in all, The second time I called, I was told my application was denied. 

I believe Revvi application processing was delayed for no reason. And the unprofessionalism of the customer service was not helpful.

Company response to consumer: Closed with explanation