vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
In XXXX I submitted a packet to Amerisave Mortgage explaining that we had opened a new business and would not be able to make the mortgage payment. I have never received a response from them unless I called to find the status of the request for mortgage assistance. Since XXXX Amerisave mortgage has had one excuse after another about missing documents closing the request on multiple occasions even though the documents in question were either faxed, emailed or sent through the portal. They claim to never have received them event though I had gotten receipts that the fax had been received. I was assigned an agent to talk to directly but was told the customer is never allowed to talk to them directly that every correspondence had to go through the loss mitigation portal. As of XX/XX/2023 I have emailed the last 2 months bank statements, profit loss statement and the last month payroll stubs to Amerisave Mortgage. In XXXX they said the original packet that I filled out in XXXX was damaged and could not be used and I had to submit a new one. I've read articles that Amerisave does this to mortgages that have equity built up as it's more profitable for them to get the mortgage go into foreclosure.

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, 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: OK

Complaint narrative:
I sent a letter off to all 3 credit bureau XX/XX/2022. 

Here is my tracking numbers # XXXX # XXXX # XXXX. 

To remove personal information that I dont not want on my credit report. 

According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

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 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Regarding the account, ending in XXXX. On XX/XX/2022, I wrote Citi about the referenced account, ( a copy is attached ). I asked them to put into dispute two charges from XXXX XXXX totaling {$540.00}. I did not receive a reply and Citi continues to bill me. On XX/XX/2022, at XXXX XXXX  I called Citi. I spoke with Customer Service. The lady I spoke with assured me credit for the two charges, interest, and late charges would be credited within 2 or 3 business days. I wrote Citi again on XX/XX/2022 ( copy attached ). In the XX/XX/XXXX letter I pointed out the time limits in the Fair Credit Billing Act, and they had exceeded those time limits. Again I received no response to my letters other than collection efforts, which I continue to receive. XXXX XXXX  XX/XX/2022, received as collection call from Citi. I read to her my letter of XX/XX/2022,. She referred me to the Fraud department, they referred me to Customer Service. Customer Service referred me to Billing Disputes I spoke with XXXX. XXXX in Billing Disputes said the problem was I had disputed the charges in a letter. The correct way to dispute charges was by phone. On XX/XX/2022, I received a collection call from Citi. They transferred me to the dispute department. The Gentleman I spoke with said the dispute was closed because they had not received the requested documentation. I assured him I'd never gotten a request for further documentation. He said he would reopen the dispute. I told him I had never received an acknowledgment of the dispute. At XXXX XXXX  on XX/XX/2022. I receive a collection call from Citi stating the account was 2 months past due. I talked to collections and I told them I had disputed the charges. Collections transferred me to Citi 's Fraud Department. Fraud attempted to transfer me to the Billing Disputes department. Fraud Department came back on the phone and said Billing disputes were closed today. XX/XX/2022, at XXXX XXXX  I phoned Citi. I automatically was transferred to collections. Collections transferred me to Security where I spoke with XXXX. XXXX XXXX XXXX said she would check with billing disputes. She transferred me to XXXX in billing disputes. XXXX in billing disputes said she is going to resubmit to get the charges under investigation. I continue to receive collection efforts and past due notices I continue to receive collection calls, emails, and text messages from Citi attempting to collect. To the best of my knowledge, these items have not been put into dispute and investigated by Citi. 

I've scanned most correspondence, but I'm unable to scan and submit the frequent collection o text messages I've received from Citi.

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 2023-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have reported that this debt was not mine several times. Ive also reported that I had my identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Transunion is reporting inaccurate information on my credit report and i requested an investigation and correction and they are refusing to do so i have attached the document i was sent refusing to investigate also i would like their method of verification, their source, also reason why its there on MY 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 2023-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Complaint : Capital One has unfairly paid me a lower rate of interest than other customers for several months and refuses to reimburse me for the lost interest. 

On XX/XX/2022, I logged into my Capital One 360 Saving Account to review activity. I noticed on my most recent statement that I was only earning 0.30 % APY on my funds. However, on their website, Capital One was advertising that they offer 3.00 % APY on all funds held in Capital One savings accounts. 

I immediately called Capital One savings customer service to inquire why I was being compensated far less than their advertised rate. The customer service rep explained that my account had been discontinued some years prior and, because of that, the interest rate was never updated. 

The customer service rep explained that I should have been notified of the discontinuation. I searched my records ( email, phone, text ) and I have absolutely nothing about updates to my account. I asked the customer service rep to retroactively amend my account status and reimburse me for the interest lost but was refused. 

After lodging a complaint with XXXX ( as requested on the BBB website ) I was informed that no notification was ever sent to me regarding my account status and that they refuse to reimburse me for the incremental interest I did not receive. 

I find this practice extraordinarily underhanded. I suspect that Capital One is intentionally opaque and deceptive about account servicing with the hope that their customers will not notice that they are receiving a far lower rate of interest than they are paying other customers. When Capital One discontinued my account, I should have been notified, and automatically placed into an account that pays a market rate of interest. Instead, I am out several hundred dollars of lost interest payments. I suspect other customers have suffered this as well. 

I hope to hear your thoughts on this. Please let me know if you need additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
Hi, I've been trying to get my XXXX  cancelled and I have reached XXXX  % of the original loan amount but my Loan Servicer, Specialized Loan Servicing is refusing to cancel PMI saying this " To have the PMI removed the account needs to be at least 2 years from the origination date. Once the account is between XXXX and XXXX  years from orientation the loan to value ratio will need to be XXXX  % or less. The account hasnt reached the 2 year mark yet at it was originated on XX/XX/22. Once it has been 2 years you can submit a request to have the account reviewed and if the XXXX is not low enough you XXXX sign authorization for a property valuation to be completed. Thank you XXXX XXXX ID XXXX '' I did not see a clause that I need to wait for 2 years to have my PMI cancelled even though I have already reached XXXX XXXX of the original loan amount 's principal. 

Can you please help me out? 

Thanks, 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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax Credit Reporting agency assisted in my name and credit report being used fraudulently by violating the following FCRA code. 
FAIR CREDIT REPORTING ACT SECTION 604 U.S Code 1681b- ( b ) ( 2 ) ( ii ) The consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

SEE ATTATCHED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am receiving letters from Rent Recovery Solutions on a debt I do not believe I owe. XXXX of XXXX, I moved into an apartment located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Apartments. Before singing the lease to the apartment, I was unable to view the apartment due to the apartment not being ready to see until my move in date. Upon moving into the apartment, the first night I noticed there was a pest infestation. Roaches to be exact. The apartment was completely unlivable. The apartment complex was aware of the infestation of roaches and did not disclose that to me before singing the lease, nor did they allow me to walk the apartment before the signing the lease. I was told that in order to move my things in I needed to sign the lease. As stated above, the apartment was not ready to be viewed until the day I moved in. 

Once I noticed that there was a pest problem, I notified the apartment complex in which they told me that they sprayed the apartment the night before I moved in and it was normal for pests to come after a spray. However, this was not a roach hear and there, it was a infestation. Roaches were pouring from ceilings and coming out from the bottom of the cabinets and light fixtures. During this time, I notified the apartment complex again and also called the health department. I moved out the apartment XXXX  days after moving in due to unlivable conditions. 

I am not being charged for this apartment and I do not believe this is a debt that I owe. Upon request correspondents with the apartment complex and videos and pictures can be supplied along with the report to the XXXX XXXX XXXX department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Fig Tech Inc.
State: TX

Complaint narrative:
15 US Code 1666b In accordance with FCRA, ( FIG LOANS ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy. 15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I HAVE NOT GIVEN ANYONE AUTHORIZATION TO REPORT THIS ACCOUNT TO ANY CREDIT BUREAU.

15 US Code 1666 B- a creditor May not treat a payment on a credit card account under and open end consumer credit plan as late for ANY purpose.

In addition, under the cares act- creditor made an accommodation which prevents late reporting on any account 15 U.S. Code 1692C -communication in connection with debt collection PAYMENT EXTENSIONS WERE OFFERED PRIOR TO THE STATED DUE DATES therefore your company can not base any payment dates as late from their original due date when you agreed to extend or defer those due dates. This is why your reporting is not only erroneous but also fraudulent. You can not manipulate your own agreement in order to negatively and maliciously report false data. The minute an arrangement was made prevented any account to be reported as late.

I contacted company to request that they not only correct the erroneous late reporting but to also update the balance on the prior paid off and closed account. Company has REPEATEDLY refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios. I am attaching an invoice for compensation for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I  HAVE BEEN A VICTIM OF IDENTITY THEFT. I DATED A GUY YEARS AGO NAME XXXX XXXX HE MADE ME BELIEVE THAT HE WAS IN LOVE WITH ME WHICH LED TO ME ALLOWING HIM TO COME TO MY HOUSE. I DIDN'T REALIZE THE TIMES HE WOULD COME TO MY HOME HE WOULD GO INTO THE FOLDER IN MY CLOSET WHICH CONTAINED ALL OF MY PERSONAL INFORMATION AND WOULD TAKE PHOTOS OF IT. ONE DAY, HE RANDOMLY VANISHED FROM MY LIFE AND I REALIZED THAT MY FOLDER WAS MISSING WHICH HAS MY PASSPORT, MY SOCIAL SECURITY CARD AND A TON OF CHILDHOOD PHOTOS. I HAD NO IDEA MY DOCUMENTS WERE MISSING UNTIL IT WAS TIME FOR ME TO USE MY PASSPORT TO BOOK A TRIP OUT OF THE COUNTRY. I CONTACTED HIM ASKING IF HE HAD SEEN IT AND HE MESSAGED ME BACK WITH A WINK FACE AND I NEVER HEARD FROM HIM AGAIN. SINCE THEN I'VE NOTICED A LOT OF NEW THINGS SHOW ON MY CREDIT. REMOVE AND BLOCK THIS FRAUD INFORMATION FROM MY CREDIT WITHIN THE NEXT 4 DAYS.


FRAUDULENT ADDRESS:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AR

Complaint narrative:
This is a complaint for an aggressive and harassing debt collection process. XXXX Mortgage recently took over control of my mortgage. My payments are due on the first of the month. They are considered late after the XXXX of the month. Today is the XXXX and XXXX Mortgage has started making Attempt to collect on a debt phone calls to my place of work. They did not even try to contact me at home first. This sort of aggressive behavior to collect on a debt that is NOT even late is highly inappropriate and is harassing. I dont know how they even had my work phone number because when I checked my account settings the only number listed was my cell phone. When I told them to never contact me at work again and to not contact me at all unless my payment was actually late, the caller hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2022, I mailed a second request to Experian informing them that I recently had been informed that there were several inquiries that I did not authorize, in the file that Experian maintains under my social security number. Upon reviewing my most recent credit report I see that the inquiries are still listed. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from the consumer 's credit file. Experian notified me that they verified the information, but refuses to show me documentation proving how they verified the information, and now refusing to remove the inquiries from my file.

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This Creditor has my account listed as only 33 % paid and i have paid this balance in full. They have not updated my credit report to reflect this in over 30 days and it is hurting my profile significantly. Under the FCRA, it is legally required to have accurate information and this is preventing me from moving forward with my Home purchase because of the impact on my utilization. 

My name Is 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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This Creditor has my account listed as only 33 % paid and i have paid this balance in full. They have not updated my credit report to reflect this in over 30 days and it is hurting my profile significantly. Under the FCRA, it is legally required to have accurate information and this is preventing me from moving forward with my Home purchase because of the impact on my utilization. 

My name Is XXXX XXXX

Company response to consumer: Closed with explanation