vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENTAGON FEDERAL CREDIT UNION
State: AP

Complaint narrative:
I recently obtained a mortgage with PenFed end of XX/XX/year>. In XXXX we thought we had set up auto pay to start with the XXXX payment. In XXXX I received an alert saying I was 30 days late from XXXX XXXX. We called in to find out why payment did not pull and were told we did not set up autopay. At this time my husband requested this be looked into and we made the payments to bring account current. He did not receive a call back so I then called in. I let the person know we have not received any statements. It has been confirmed the address in the loan system was set up wrong. The closing paperwork did have a correct mailing address that we were using. In addition we were told that PenFed did try to call but did NOT leave voicemail messages so we had no idea that there was an issue. The number that they call from does not indicate PenFed so we had no idea they were calling or it would have alerted me to an issue. In addition they indicated they did not have my contact number which I find strange since I can see it on the final application paperwork. Customer Service is now saying on XXXX we made a 1 time payment and then setup auto pay and then deleted autopay at the same time which does not seem correct or was an system error. If we had received any statements I would have known my payment was missed and made it prior to the 30 day late which has now impacted my credit greatly. We had also prior to the XXXX payment had the address updated but it was only updated in the retail side. We were not told until recently that you have to contact each department to update information. Customer service spoke with collections who has indicated that they will not change the reporting. Based on the fact that the company had information to reach me and provide a monthly statement I feel like PenFed contributed to my payment being late. I pulled up my final loan paperwork and show the mailing address was not the physical address and my phone number was on final loan application. PenFed would have received this paperwork from the escrow company prior to my loan funding. I am trying to work with customer service to get this resolved but have now been told 4 times that they will not fix this. I feel this is poor customer service and that they did not meet the requirement to send me my mortgage statement monthly. I also feel them indicating that they tried contacting us by calling but never leaving a message is not satisfactory.

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 2024-11-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
My mortgage is through Freedom Mortgage on a VA XXXX. On XX/XX/XXXX my home burnt down completely. After filing my claim with XXXX XXXX I was issued XXXX checks to rebuild my home in the amounts of {$XXXX} and {$XXXX}. I immediately sent both checks to Freedom Mortgage to place in escrow as it's customary in these situations. Freedom Mortgage issued the first draft payment of {$XXXX} in XXXX of XXXX and I started the rebuild process with that money on XXXX of XXXX. I started the process of asking additional funds mid XX/XX/XXXX and provided all requested documents to Freedom Mortgage timely and acutely. To date I have yet to receive any additional funding to continue with the rebuild of my home. I have spent countless hours on the phone with various representatives at the Freedom Mortgage XXXX XXXX Department and they can not provide any reason whatsoever as to why they are withholding funds; other than than the explanation that XXXX is still reviewing the floor plan. The floor plan was submitted over a month ago. When I ask to talk to the decision making person in change of reviewing the floor plan I am told that I can not and that they're sorry but this is all we can do. I am not XXXX months behind schedule with the rebuilt and without money because my mortgage company is holding my insurance claim funds XXXX and without explanation. This is criminal financial behavior by a massive corporation that funds VA XXXX mortgages.

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 2024-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Mortgage company made mistake adding force placed insurance to my loan even when evidence was sent to them. They advised me they would remove the impound account they fraudulently added to my mortgage and have been giving me the run around with lies from everyone there. There was a XXXX  day lapse in coverage but my insurance company sent then the evidence showing I paid the {$XXXX}, representative said they would remove and correct they issue and is now telling me they aren't allowed to remove the impound for my insurance even though I pay my insurance seperately. They are now asking for more money and taking advantage of me without correcting their problem. I NEED THAT IMPOUND REMOVED FROM MY MORTGAGE PAYMENT!!! This has become the worst nigthmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration with the persistent inaccuracies on my credit report, specifically regarding the XXXX  account with the account number XXXX. Despite multiple attempts to resolve this issue with TransUnion and XXXX, the problem remains unresolved. 

The XXXX  account, which was closed on XX/XX/year>, is still being reported as open and negatively impacting my XXXX XXXX. This is the fifth attempt to address this issue, and the lack of resolution is both frustrating and unacceptable. 

By continuing to report inaccurate information, TransUnion and XXXX are violating the Fair Credit Reporting Act ( FCRA ). This federal law requires credit bureaus to provide accurate and timely information about consumers ' credit history. I urge the CFPB to investigate this matter and take appropriate action to hold these credit bureaus accountable for their repeated violations of the FCRA. 

It is evident that TransUnion and XXXX are either incapable or unwilling to correct this error. Their negligence has caused significant financial harm and emotional distress. I believe it is imperative that these credit bureaus are held accountable for their actions. 

Recent reports have highlighted the XXXX shortcomings in addressing consumer complaints. I hope that by filing this complaint, I can contribute to a larger effort to hold these institutions accountable and ensure that consumers rights are protected. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action to compel TransUnion and XXXX to correct the inaccuracies on my credit report. 

Thank you for your time and attention to this urgent matter. 

Sincerely, 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 2024-11-22 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the
credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: CA

Complaint narrative:
Albert corporation won't let me cancel my account and they keep forcing me to pay a {$XXXX} a month fee to watch my account. They also take out other money like rainy day fund. I have filed claims with my bank, XXXX to be exact, and also put XXXX stop payments on them with my bank. They keep going in under different names. I need these people to be out of my account. Thank you

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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 need your support with the incorrect account being reported on my credit report. This concern is damaging to my reputation as a customer, and I need your help in resolving it. These accounts must be removed since they are reported inaccurately and reflect negatively.

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 2024-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, Representative ], I am writing to formally file a complaint against XXXX XXXX XXXX ( XXXX XXXX ) regarding their handling of a debt collection related to my previous apartment. Below is a summary of the events and issues I have encountered : XXXX. **Background on the Debt : ** - I previously resided in [ Name of Apartment Complex ], where my rent fell behind by XXXX months. 
- Upon catching up on payments, the apartment complex refused to accept my rent and subsequently took me to court. 
- We settled on a payment in court, and I paid a portion immediately, followed by monthly payments until I moved out. 

XXXX. XXXX XXXX 's Involvement : ** - Years later, XXXX XXXX contacted me, alleging I still owed a balance. 
- During my interactions with XXXX XXXX, their representatives were verbally abusive, threatening, and unwilling to work collaboratively to resolve the debt. 

XXXX. **Efforts to Settle the Debt : ** - I attempted multiple times to resolve the issue by offering a lump sum payment or a payment plan. 
- XXXX XXXX refused all reasonable settlement offers and did not provide a clear explanation for their refusal. 

XXXX. XXXX XXXX : ** - The original debt of {$XXXX} has ballooned to {$XXXX} due to accrued interest, making it even more challenging to resolve. 
- Despite my willingness to address the matter, XXXX XXXX aggressive and non-cooperative behavior has made it impossible to settle the debt fairly. 

XXXX. **Supporting Evidence : ** - I have attached relevant documentation, including proof of payments made to the apartment complex and court documents outlining the initial settlement. 

This experience has caused significant stress and hardship, as XXXX XXXX abusive tactics and refusal to cooperate have impeded my ability to resolve the matter. Additionally, their actions appear to violate ethical and potentially legal standards for debt collection practices. 

**Request for XXXX : ** I kindly request your assistance in investigating XXXX XXXX behavior and practices. Specifically, I ask that you : XXXX Review XXXX XXXX handling of this account to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Intervene to facilitate a fair resolution, including the possibility of negotiating a reasonable settlement for the debt. 
XXXX. Take appropriate action against XXXX XXXX if their practices are found to be unethical or in violation of federal or state laws. 

I am prepared to provide any additional information or documentation necessary to support my complaint. Please let me know how I can assist in your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Reliable Credit Association, Inc.
State: WY

Complaint narrative:
I contacted this company trying to get them to release the electronic title so Idaho could send me my title after paying my truck off in XXXX, XXXX  ( it is now XXXX, XXXX  ). 

XXXX XXXX refused to contact XXXX to release the title via ELT program after financing my truck through them and paying over {$XXXX}. 

I still have no resolution and no title proving ownership to my vehicle.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I initially made a dispute, but then I realized that the payment was accurate. However, I did want to explain the circumstances surrounding the late payment. I have a chronic XXXX and have to take a medication daily to treat it. Starting in the summer of this year, the medication went on a nationwide shortage that can be tracked according to the XXXX. Without my medication to treat my XXXX, I was unable to keep track of my expenses diligently. I spent much of my time communicating with providers, pharmacies, and insurance. I would like to ask for removal of this late payment due to extenuating medical circumstances that prevented me from making payment on time. Aside from that late payment, I am completely current across all payments and accounts.

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 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Bank of America took a auto-payment of {$42.00} on an account that I paid if full in XX/XX/year> ( the auto-payment had been canceled prior to BofA taking the payment on a credit card balance that had a zero balance ). Since XX/XX/year> I have made four attempts to get the balance provided back to me. B of A claims they have sent two checks and did " attempted '' to do a direct deport on XX/XX/year>, but yet they are still have not provided the {$42.00} balance credit that was not authorized. I contacted BofA on XX/XX/year> via chat only to be told to call customer service after several minutes. I do not wish to deal with BofA as they have no intention of refunding the moneys that I did NOT authorize to be dedicated from account.

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