vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: TX

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, NewRez purchased a forced place insurance policy for the home collateralizing my mortgage. NewRez had the wrong address in its system for this home, which is amazing considering it's their their collateral for this loan. The address is correct in all the source documents. NewRez just never bothered to read them or double check their data entry,. Although my contact preferences are set to email, NewRez didn't email me, and they mailed their notice about forced place insurance to the wrong address. Consequently, I never received any notices about their intent to purchase forced place insurance because NewRez incorrectly my homeowners insurance had expired. 

A simple review of my file would've determined that forced place insurance wasn't necessary. XXXX, the mortgage servicer that transferred my loan to NewRez, paid to renew my policy in XX/XX/XXXX. I attached a copy of the policy as well as a copy of my XXXX from XXXX showing XXXX paid for an insurance policy in XXXX. 

I began contacting NewRez on XX/XX/XXXX. I've called 4 times enduring long waits while NewRez employees research the file. I've also opened 6 chat sessions, and my insurance agent has called 3 times. I've spoken to XXXX XXXX, XXXX XXXX, XXXX. XXXX, and XXXX XXXX among others. All of the people named have said the forced place insurance is being removed. However, it's XX/XX/XXXX, and the forced place insurance is still in effect. 

Although this can't be substantiated without reviewing company records, it feels like NewRez is pursuing an aggressive strategy of purchasing forced place insurance for loans that don't need it, and hoping borrowers either don't notice or give up after making it difficult to cancel. I strong urge CFPB to investigate NewRez 's use of forced place insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I has sent CITI Bank a Notice surrendering my negotiable instrument for redemption back in XXXX of 2023. The instrument has a restrictive endorsement with pay to the order of : Citi Bank. I had informed my right to OPT OUT from the company 's ability to report my personal transactions to the 3rd party credit agencies since they were reporting my transactions on my consumer credit reports. After sending this Notice the bank closed my account and even though they responded as to why they took that decision I believe they were in wrong. I has tendered a lawful form of payment yet they refused my payment and did not credit my account. They have kept my instruments even thought they are refusing to credit the account. Their SEC filings Clearly state how my application for extension of credit is turned into an Asset backed security, they are surrendering my instruments for redemption, they are securitizing them, transferring them, trading and selling them. I have send them a 2nd Notice together with a new negotiable instrument. They have yet to respond to this notice but my account continues closed.

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 2024-01-31 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: GA

Complaint narrative:
Per the 1974 Privacy Act I have opted out of reporting any non public information and any and all of my non-public information that was sold to any non-affiliated company requires recourse.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I used my AAA credit card ( Comenity Bank ) on some large home renovations in XXXX in order to take advantage of a generous cash back promotion offered by the bank. My intention was to pay it off quickly but it is now clear to me they intentionally make it difficult to make payments in order to inflate their numbers and charge you interest. I attempted to make full payment, of slightly over {$10000.00} on approx XX/XX/XXXX. The bank refused to take my online transfer payment, with their customer service representative telling me that they could not accept a payment that large. They told me I would have to make two separate payments, which I did with them over the phone. However, they also told me they could only process one payment per day, but they assured me they would put the second payment through on the next business day. I assumed when I hung up that the payment was fully processed. On approx XX/XX/XXXX I went to use the card and the card was denied. When I called their customer service again, I was told they never verified my account number with me and the payment never actually went through. Customer service went back and listened to the recorded call in which I attempted fo make the full payment. After listening to the call, the supervisor apologized and agreed to waive the late fees because the bank had not processed my payment nor had they confirmed it went through before ending my call. She again told me they coulld only process it as two payments, she confirmed for me the first half of the payment went through and promised me she would do the second half the next day. On XX/XX/XXXX my card was again denied, even though I had made payment and was well under my credit limit. When I called, I was told my account was frozen due to non payment. A supervisor apologized again, promised me he would put the 2d payment through, but told me it would take 7 to 10 days for the bank transfer to be processed. They also told me in the future if I wanted to make a large payment I would have to ask for a supervisor. I plan to cancel this card. I have never dealt with a credit card company that intentionally makes it hard for someone to make a payment. While they lure customers in with generous cash back promises it is clear they dont want customers who pay their bills in full. Very, very sleazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: FL

Complaint narrative:
I have called Experian in regards to inaccurate information being reported. Such information is related to multiple addresses on my report that are non mailable. Only one address should be there. I have also asked for them to provide my written authorization so they can report my non public information. They did not. The only thing they removed was an old name and old phone numbers meaning they have admitted that they had inaccurate information on my report. They also did not remove the hard inquiries which i did not authorize. In fact while on the phone they were lying regarding this. They said that because i have an agreement with the bank, they can report. What they forgot to say is that in the agreement with any bank, it says that they will share information with affiliates. Last time i checked Experian is not an affiliate of any bank but a 3rd party. I did not give permission to Experian to share any of non public information. I give them in good faith one other chance to remove or block any information that does not fit the 15 USC 1681 ( a ) ( b ) ( c ) ( e ) as well as the Privacy Act of 1974

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 2024-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
Account number XXXX I bought a ( XXXX XXXX XXXX XXXX ) from a dealership ( XXXX XXXX ) financed a vehicle with Consumer portfolio service in XX/XX/XXXX. I paid {$6000.00} as a down payment. 

The amount of vehicle financed was {$34000.00}. 

My monthly payment was {$760.00} In XXXX, XXXX ( after 20 months of payments ), I realized that my payoff balance is {$31000.00}, So I called for clarity. 

I believe I have a consumer right to know the detail and what has been going on with my payment. 

I called and was told that my financing was an interest load and it charges {$14.00} daily and most of my payment ( about 75 % ) is going towards the interest and not the principle. I thought That was ridiculous because no one ever explain this ridiculous terms to me and I would not have done it. 

I was told I had paid XXXX toward interest and {$3500.00} towards principle. 

I don't think this is fair at all. As a consumer, XXXX has strategically put me into a more severe and dangerous situation because I may never be able to pay off this car. Currently the value of the car according to XXXX XXXX is {$11000.00} at XXXX miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: SLM CORPORATION
State: IN

Complaint narrative:
2 Private Student Loans via Sallie Mae Opened XXXX Joint account with XXXX XXXX Date of last full payment : XX/XX/XXXX Issue : CRA state items will remain on report until mid XXXX. 

This is NOT congruent with reporting guidelines. This would be 2 years beyond FCRA guidelines.

Fall Off Date should be XXXX XXXX. 

This is an easy fix.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TX

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2024-01-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Spoke with Marcus about our account CoD being charged taxes and then not getting the interest on the taxes withheld. First they said it was because we did not sign the e-signature, then they found the e-signature. Then they said the IRS requested it because of a 1042-s but we are not foreign born nationals so that makes no sense. Then they said it was IRS requested but we have multiple CoDs with them and none of the others are being asked to withhold taxes. We also requested that Marcus provide us documentation of any communication from the IRS around the requirement to withhold taxes on our account. They told us we needed to call the IRS and provide them proof we are not required to have taxes withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: FL

Complaint narrative:
I have requested for accounts to be remove off report, however they have not been removed as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX Account XXXX : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On a recorded call approximately XX/XX/25, Genesis representative tried to belittle me by stating hows not paying working out for you- you able to get trade lines. Then he raised his voice and stated Fine, you know what- were not going to cut you a deal and were going to continue to report against you!

This language was abusive in nature and directly violates the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My husband bought a CD for {$100000.00}. in XX/XX/XXXX from Capital One Bank. The money was transferred first from XXXX XXXX from a joint account, then to XXXX XXXX from a joint account that was set up under a Living Trust, and then to Capital One Bank in a joint savings account. He then bought another XXXX for {$100000.00} in XX/XX/XXXX. He had thought that since it originated from the " Capital One 360 Performance Savings Account '', that the " Capital One 360 Performance CD '' was covered because my name was on the joint account, and it would be redirected back in there at maturity. He had XXXX XXXX and was doing XXXX XXXX and never saw any email the company later sent out, saying he could now add a beneficiary. He XXXX XXXX XXXXXX/XX/XXXX after finding out in XXXX that the XXXX had surfaced again -- -unknown until an XXXX  showed it. The CD 's were bought with the intent he was trying to get a better interest rate for me, to provide for me. When he died and I called Capital one to switch the CD 's to my name only, I found out that there was no beneficiary. I was in shock and in total grief at that time, and they asked me if I wanted to take his name off the joint account then. I didn't know what to do I was in shock and told them I guess so. ( mistake! ) If I had never called them to remove his name, nothing would have changed, and I would not be dealing with any of this! They said since his name was not on the joint account now, they could not put the money back in it. They won't act on anything that was set up! I corresponded by email since XXXX to them to the present, showing them the letter Capital One sent out that stated that my husband wanted the matured CD 's directed back to the account from which they came. The company states if it is not open, a check will be mailed out. I thought all was ok after receiving the letter then, because those were his wishes he set up with them. However, after they " escalated my case '', I waited 3 more months to get further answers and they told me their " risk team '' and " legal team '' says I need to go through probate and will not honor what was originally set up by him! We have a living trust and they will not honor that, even though any accounts that didn't make it in the trust are covered. This is totally wrong that they are not honoring what was set up when the CD 's were bought, nor that they will not honor our Living Trust which was set up to protect us! Furthermore, they sent out a 1099 showing my husband earning interest on that joint savings account, and sent me a 1099 also, just with my name only on it, and the same amount of interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-01-31 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation