vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Servion, Inc.
State: WI

Complaint narrative:
On XX/XX/2024 I called Servion to discuss removal of my escrow account and PMI as I am able to make the payment necessary to get under the 80 % LTV and want to I discuss the process and exact amount required. I asked for a call back, not in any rush to do this. What I got back was an email from XXXX XXXX full of my Private and Confidential data. So much of my Private and Confidential data was sent to me in an insecure email which I did not initiate or request. The information in the email includes two paragraphs of typed text including my balance amounts, PMI amounts, LTV amounts, escrow account. There is also two images of their internal system displaying many fields of my Private and Confidential information including account balance, LTV amounts, program qualification flags, curtailment amounts, payment counters, missed payment/ on time payments counters, escrow cancellation dates, loan number, mortgage insurer identifiers and XXXX 

They got my loan number as the subject of the email they sent. 

I have been a victim of identity theft in the past and I am extremely disappointed in seeing this mortgage servicer handle my Private and Confidential data in this manner. Email is not a secure means to send and receive this type of data and shocking to me it was sent without my request or consent. ( Or that even they consider this an option to begin with ) I called into Servion XX/XX/2024 to complain about this, I spoke to XXXX XXXX. He told me this was normal and not to be concerned, he does it all the time with other customers data. I reminded XXXX that just last year Servion sent out letters about mishandling our data and a subsequent data breach. XXXX was quick to take no responsibility or accountability on behalf of Servion in that data breach. 

I can only hope someone with some sense and responsibility gets this message and provide/require the related 20 minute typical instructional video to their staff on how to correctly handle Private and Confidential user data. 

Even still now, after asking them to stop this and pointing out what bad practice this is, they are still XXXX ( sending copies, replying, forwarding ) of this email in question, trying to follow up with me, copying other people on their team, all in an email with my Private and Confidential information exposed. 

Its XXXX for crying out loud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-12 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 
I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I opened a business checking account with US Bank. I placed 3 bank transfers with their bank login. One was completed and two were missing. US Bank insisted the missing transfers were not initiated from US Bank. I have proof from my bank login but since then they XXXX my login ( see attached screenshot ). I contacted XXXX XXXXXXXX XXXX and they verified the two missing transfers were initiated from US Bank ( see attached ).

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 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
There are 3 collections on my credit report that I have disputed. There is inaccurate information that has stopped me from buying a house. I disputed the loan terms, ownership, monthly payment and accuracy of the accounts and the company said they were valid. I would like them removed from all 3 bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: CA

Complaint narrative:
I made a payment of {$460.00} to discover it bank credit card before statement was sent. They are now reporting missed payment and charging me extra fees. Even though I have already paid everything. They are reporting incorrect information and violating my rights. Please investigate and remove late payment from my credit report.i have paid everything in full and they still keep charging me more fees. Company need to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX on behalf of client Fay Servicing , LLC has my home unlawfully listed as foreclosed with a sale date of XX/XX/2024. My home does not have an active mortgage to foreclose upon. XX/XX/2024 a request for Validation of Debt was made and not received. I have verified with my countys Superior Court that there is not a formal notice of foreclosure, liens, or holdings on my property. XXXX XXXX XXXX XXXX listing my home as foreclosed has caused unwanted, aggressive, continuous solicitation from unknown persons refusing to identify themselves or company. The unknown individuals only state that they are working from information provided by XXXX XXXX XXXX XXXX. XX/XX/2024 a Cease & Desist Letter was sent and received by XXXX XXXX XXXX XXXX but the harassment continues and the foreclosure listing remains. I am now afraid for my safety and and a police report is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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 see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-04-12 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

Affirm account # XXXX opened XX/XX/XXXX Affirm account # XXXX opened XX/XX/XXXX Affirm account # XXXX opened XX/XX/XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-04-12 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Every time I buy crypto ( and pay a fee to do so ), I go to send it to someone and the transaction fails. Then, I have to go and sell ( pay ANOTHER fee ), and, on top of that, my money is held 5-7 days before it's even made available to me. 

I want to make something super straight here, I don't care what your XXXX & XXXX say, those have been legally struck down in the court of public opinion, and more importantly, in the court room time after time. 

You are advertising a service, and you are charging high fees, and you are not delivering. And you are holding people 's money, time after time. 

The CFPB needs to fully research these unfair, predatory and damaging practices of Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
My loan was transferred to Cross County Mortgage XX/XX/2024. First of all I'm XXXX living on a low fixed income. I bought my house using my housing choice voucher. My housing authority pays a portion and I pay the rest. When my loan transferred on XX/XX/XXXX there were a lot of kinks. It was not a smooth transaction. I couldn't even make my mortgage payment for XXXX until XX/XX/2024 and then I made two payments. The one for XXXX and XXXX. I was told not to worry about making my payment that I there was a grace period for 60 days and I would not be charged any late fees. Then I started getting emails and calls about missed payments. I haven't missed a payment once since buying my house and the only reason I was late is because the mortgage company was lost. I got a letter mentioning foreclosure and now they want me to pay them {$30.00} because the XXXX  drove by my house and did a property inspection because I was " late on my payment ''. I WAS NEVER LATE. I've already told Cross Country Mortgage that I'm not paying the {$30.00}. Just because they couldn't get and still don't have their shit together is not my fault. I owe them nothing and am paid up as is my housing authority. I'm XXXX, XXXX and have multiple heath issues I do not need this stress. My credit was even threatened today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: PA

Complaint narrative:
I am writing to urgently follow up on the ongoing dispute concerning negative items on my credit report. I am deeply disappointed by the level of incompetence displayed by your department and the inadequate service provided in ensuring fair and accurate reporting for consumers like myself. Despite my repeated efforts to address these issues, there has been a significant delay and lack of satisfactory resolution.

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 2024-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
XX/XX/XXXX Transworld came on my credit report due to a debt from XXXX XXXX, spoke with them was told it was from XXXX XXXX inform them I have been with XXXX XXXX XXXX  with internet and Cable since XXXX also informed them I have never lived at the address and have been living in XXXX street since XXXX. Was told to send documentation to prove it, sent documentation to the compliance email and was told to wait 30 days, waited and received no information. When contacted Transworld about it I was told it would have to be paid to get it deleted. Paid it in XXXX of XXXX. In XX/XX/XXXX when starting my home process I was told the collection was still on report and to get it deleted. Contacted Transworld again and was told they can only email me a paid in full but they can not delete it that I would need to dispute through the credit bureaus. Did a dispute with XXXX and it was deleted. A later later I contacted XXXX regarding the dispute and was rudely told its nothing can be done and I need to contact Transworld for it to be deleted and answer the dispute or it would be in my credit until XXXX. Contacted Transworld and was told again they cant send anything to delete and there is no one I can talk to that handles disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I have XXXX accounts with Marcus by Goldman Sachs that were linked to a work and phone email that I used for most of my business and personal accounts. I left the company on short notice and the phone and email were turned off. I have since purchased another phone and have another email address. My mistake was to use my work email but it is an email I have had many many years and one that I monitored regularly. As far as the phone it was my only phone and phone number that I had. I have called Marcus multiple multiple times and filled out an affidavit form provided on their website with my information and NEW phone number. I had it notarized at my local bank and sent it certified US mail. That was 4 weeks ago and they acknowledge they have received it but keep telling me it is still under review. I was told I could close my account and finally requested to do so and after over 1 hour on the phone was told they are still reviewing my account and am not able to close it yet. My checking account is tied to the account and they can see it. Any help would be greatly appreciated. FYI I have account numbers and balances from a recent savings account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.

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 2024-04-12 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: Synovus Bank
State: SC

Complaint narrative:
I am writing to address several violations of my rights and privacy by various organizations. 

XXXX XXXXXXXX XXXX  XXXX XXXX According to 20 USC 1232g, 34 CFR 99, and 5 USC 522a, the XXXX XXXX XXXX has violated my rights by contravening the Educational and Privacy Act. This act states that my school should not provide transactional history to any third-party companies. I am opting out of any previous authorizations I may have granted, including verbal, written, or otherwise, per 15 USC 6802. 

XXXX. XXXX : XXXX is reporting a non-mailable address associated with me. I would like to understand where they obtained this address from as it seems to be a violation of my rights under the Privacy Act of 1974. 

XXXX. XXXX XXXX XXXX : XXXX XXXX XXXX  card account, opened on XX/XX/XXXX, is reporting a charge-XXXX. This status suggests that the debt is now considered a certificate of indebtedness and therefore counted as income, which should not appear on my report according to IRS guidelines. 

Additionally, the above violations may contravene the following regulations : - 16 CFR 313 - 16 CFR 433.2 - 16 CFR 433.3 - 17 CFR 424 Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR 1022.8 mandates procedures to maintain the accuracy and integrity of information, while 12 CFR 1022.6 outlines the requirements for disclosures to consumers in the event of an adverse action. 

XXXX XXXX XXXX is reporting different information compared to XXXX, resulting in discrepancies across my credit reports. This inconsistency is impacting my creditworthiness and financial reputation. XXXX and XXXX 's failure to align with XXXX reporting is a clear violation of the FCRA and associated regulations. 

I request that the CFPB investigates this matter and holds XXXX accountable for their non-compliance. Thank you for your attention to this issue. 

I request immediate rectification of these issues and a response explaining your actions and how you plan to address these concerns. Thank you for your attention to these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I have XXXX apartment complexes in XXXX TX trying to collect an application fee form me. I haven't lived in XXXX since XXXX. I have lived permanently in California since XXXX. 

Columbia debt recovery for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation