vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 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:
I recently check ed my credit report. I have inquiries and other accounts on my credit report that does not belong to me. 
* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XXXX XXXX XXXX we purchased a home. It consisted of two mortgages being serviced by Countrywide Home Loans Inc ; they designated [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX as nominee for their successors and assigns. Countrywide Home Loans Inc ended up being involved in a lot of deceitful and unethical practices ; as a matter of fact, because we were young and for the most part, clueless about the financial aspect of home ownership, my wife and I were goaded into having two mortgages on the property. The loan agents also assured us that having two mortgages was a temporary solution and we would be able to refinance both mortgages into one mortgage within a couple of years of maintaining the mortgage. 
In XXXX XXXX XXXX we sold that home. The day before settlement we were alerted by a real estate agent via the title company XXXX XXXX XXXX XXXX that there was an open mortgage on the title. As it turns out Countrywide Home Loans Inc never assigned the second mortgage to any other entity even though the first mortgage was assigned numerous times. 
So either they neglected to assign the second mortgage over due to all their unscrupulous and deceptive practices or they wrote it off as a means of their incarceration agreement and neglected to issue a clearance of 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 2024-01-18 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: PA

Complaint narrative:
I don't want this in my report, they are accounts with negative information that I don't remember having. 

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 2024-01-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I don't want this in my report, they are accounts with negative information that I don't remember having. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX conducted a credit inquiry on me without my knowledge or authorization on XX/XX/2022. I have filed an Identity Theft report on with Federal Trade Commission and I will attach a copy of the report as such. Thank you for your assistance.

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 2024-01-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX conducted a credit inquiry on me without my knowledge or authorization on XX/XX/2022. I have filed an Identity Theft report on with Federal Trade Commission and I will attach a copy of the report as such. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: CA

Complaint narrative:
XXXX conducted a credit inquiry on me without my knowledge or authorization on XX/XX/2022. I have filed an Identity Theft report on with Federal Trade Commission and I will attach a copy of the report as such. Thank you for your assistance.

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 2024-01-18 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: TX

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
They got the same address like four times that I havent lived in over 20 years

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 2024-01-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I don't want this in my report, they are accounts with negative information that I don't remember having. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I don't want this in my report, they are accounts with negative information that I don't remember having. 


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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I keep getting scam calls from Amex numbers ( XXXX XXXX XXXX  ). They know my name, my parents ' address back in XXXX, and a lot of information, and claim that there are fraudulent charges under my name. However, when I call the same numbers back, I was always told there is no fraudulent charge. I asked Amex to fix this but I still keep getting such scam calls. PLEASE fix this and stop leaking my information! 

( BTW, I know Amex is selling my information because I started receiving spams to my parents ' names immediately after I added my parents to my Amex account as additional users. They had no footprint in the US before that. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: IN

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2024-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
My original repayment plan was {$190.00}. I have calculated my plan under XXXX program and spoke with agent at aidadvantage. The agent told me to leave everything as is because if I changed it the monthly payment will increase. And then all of sudden I got billed {$590.00} each month. And I kept calling agents to revert this back to XXXX XXXX  monthly payment but I was told I would be in forbearance and they will correct it. Now they are charging me {$590.00} and said they can not revert the monthly payment back to {$190.00}. And that it would be higher. Each agents tells me something different and some straight hangs up the phone when I call. And doesnt call me back. This is a common tactic this company is doing now. Ive check to see others if they are going through the same and there are many Americans dealing with this unfair billing practices. Even the own agent told me file complaints. At the end of the day, my monthly payment bill has increased so much that I dont know how I will be able to afford my family anymore. Its so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: AR

Complaint narrative:
Very unethical company! For the first XXXX months of loan repayments starting in XXXX XXXX XXXX, the wait time on phone calls was XXXX hours and their online chat function was not XXXX, but would disconnect with you after you submitted all your personal information. Their email auto-response said to allow up to XXXX days for a response ; in fact it took weeks to get feedback. For my account, they under-represented my payments by several XXXX dollars ... for weeks my online account status was incorrect in their favor. 

Out of an abundance of caution, I overpaid my account by {$51.00} in XXXX. Many weeks/months went by with no refund. On my initial contact to the company, they told me they had issued my refund XX/XX/2023. When I replied that I did not receive this refund, they replied ( days/weeks in between emails of course ) that the US Dept . of Education dictates refund timeline. Every time I finally get a reply from them, it's different than their previous message. ED Financial has owed me {$51.00} for over XXXX months now. I realize it's a small amount of money, but this is more about principle. This is an AWFUL company with awful, deceiving business practices. Imagine how much profit they enjoy from holding people 's money like mine and making interest on it! {$51.00} across tens of thousands of loan recipients must be a cash cow for XXXX XXXX and his awful business!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
A friend sent me money on Venmo, but selected that it was for good or service without realizing that that would give a cut of the money to Venmo. Venmo then deducted a portion of the money from the amount I received.

I contacted Venmo and found out that there is no way to reverse this transaction. Their position is that, when this happens, they want to keep the money they took no matter what. I asked what their policy is to protect consumers, and they have a policy to protect consumers from fraud by other vendors, but no policy to protect consumers from Venmo.

In this case, they refunded to me the money that they took, but they reiterated that this was a one-time courtesy and that their policy is just to take the money.

I am uploading a transcript of the chat session where they explain their position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to dispute this account. Its never belong to me You re the only XXXX bureau who reporting this negative information. Another XXXX bureaus are clean ant positive! This is illegall!!! 


XXXX XXXX XXXX XXXX opened 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 2024-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I am writing to bring to your attention the challenges and frustrations I have encountered in my dealings with your mortgage company, particularly in relation to the account associated with XXXX XXXX XXXX XXXX, XXXX XXXX. 

In XXXXXXXX XXXX XXXX, my father passed away, leading to the initiation of the process to settle his estate. The gathering of the will and obtaining surrogate information understandably took a couple of months. During this time, I took the initiative to make partial mortgage payments, and in XXXX, I informed Freedom Mortgage of my intention to sell the house. 

In response to my inquiry, They advised me to pursue a deed transfer, incurring a cost of {$1000.00} and taking several weeks to process and submit. Despite my repeated communication with the representatives, emphasizing my role as the executor of the estate, the request for necessary information did not arise until XXXX. After asking and pleading for several months on how I can move along with the sale of the property. 

Regrettably, when the information was finally provided, I was informed that it was too late, resulting in the initiation of pre-foreclosure proceedings. Subsequent legal consultations revealed that a deed transfer was unnecessary for selling the house ; being the executor was sufficient. This information would have been extremely beneficial and would have omitted undue grief. 

In an effort to rectify the situation, I took out a loan under my personal name to cover the past due amount, even though I am not legally liable for these debts. Unfortunately, my attempt to settle the outstanding amount is being rejected by your Freedom Mortgage, demanding additional lawyer fees on top of the already considerable financial burden. 

I am now facing significant expenses, including {$3000.00} for lawyer fees, {$1000.00} for a deed transfer that was unnecessary, and an extra {$3000.00} for the loan, all while being stuck with a property I intended to sell since XXXX. 

I believe that had I been provided with accurate information and guidance from the outset, the house would have been sold, and these issues resolved months ago. I kindly request your immediate attention to this matter and a thorough review of the circumstances, as well as a reconsideration of the requested fees. 

I anticipate a prompt resolution to avoid further financial strain and potential legal actions. Your cooperation in rectifying this situation is highly appreciated. 

The house is currently on the market and has showings on a daily basis, I hope we don't get penalized for taking the wrong direction and losing all my parents have worked so hard for. I am highly anticipating the resolution of this burden. 

Thank you, 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 2024-01-18 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: NV

Complaint narrative:
XXXX, Tranunions and XXXX didnt remove late payments need to remove Late payments from XXXX account XX/XX/23 XX/XX/23 XX/XX/23 ( XXXX XXXX XXXX ) Im showing proof each payments was made on time

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 2024-01-18 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: TX

Complaint narrative:
I noticed some credit inquiries on all XXXX bureaus XXXX, trans union and XXXX  that i didn't authorize or initiate. i, m concern about how this might affect my credit score.here is a quick rundown : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. i take my personal information very seriously and i haven't applied to any of this credit recently or given anyone the permission to check my credit. please kindly remove the above mentioned lenders on my profile. thank 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 non-monetary relief
Consumer complaint received 2024-01-18 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: DE

Complaint narrative:
I have Opt-Out from the financial institution XXXXXXXX XXXX XXXX to not share my non public personal information. See attached opt out letter dated XX/XX/2024 along with previous CFPB complaint XXXX XXXXXXXX against that institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I received approximately 52 phone calls in a 14 day period. When I spoke to XXXX at this company, she stated they are allowed to call 4 times per day. I explained to her about the FDCPA and Telephone Consumer Act. She said, No, we are allowed to call 4 times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
We deposited some checks in Truist Bank account in XX/XX/2022. One of the check got returned and the bank closed the account. Interestingly bank did not returned us the deposit amount of other checks amounting to XXXX. They are still holding the amount when we are asking them to provide a written reason for holding the funds they are saying we will not provide any reason. We asked them to provide us the writing request how we can able to get the funds they are not providing the same as well.

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 2024-01-18 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: LA

Complaint narrative:
My information was breach and used

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 2024-01-18 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: LA

Complaint narrative:
My information was breach and used

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 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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