vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
It has been brought to my attention that my father has been paying for XXXX homeowners insurance policies with the company called Freedom Mortgage and I believe that they are taking advantage of the elderly. I have attached the letter. Stating that he gives me permission handling his accounts with Freedom Mortgage letter is attached. I also attached proof that he has been paying for XXXX homeowners policies, XXXX through. XXXX XXXX and the other one is XXXX XXXX. I have called XXXX XXXX and had cancelled them and stated that they will need to refund the payment from XXXX for the year 2023 and 2024. I also submitted a letter to Freedom Mortgage asking them to opt out of the escrow and they have declined. My dad has been a client with them since 2017. And has not been laid on any payments. There is no. Information. Regarding why they declined to cancel the escrow, but I believe it's to continue. Raising his payments, which originally was {$1500.00}, {$1600.00} and now {$1700.00} within this year almost {$1800.00} a month. I'm wondering if there's any way that you guys can help so that he will not have to continue paying this escrow. We will be able to handle paying the insurance and property taxes ourselves without the help of freedom.

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 2024-06-07 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: CA

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 XXXX  Account Number:XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2024-06-07 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: CA

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 XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 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 2024-06-07 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: GA

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 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 2024-06-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SLM CORPORATION
State: FL

Complaint narrative:
This is the second time since XXXX that Sallie Mae has done an automatic rollover of a cd at a lower rate than premium and also rolled over against my wishes. 

Basically their process is predatory by not allowing you to opt out of automatic CD roll overs, and the process doesn't allow for you to call in to close your account less than 30 days when it is due. 

Considering that most cds are long term and the bulk of their consumer base investing in this product is going to be elderly, this really seems set up so Sallie Mae can trick customers into forgetting to close out their CD to the renew the CD at a rate lower than what is offered if you rolled the CD over yourself. They also then hold your money XXXX by charging you a 6 month penalty to close out the CD if you miss a 10 day window out- doesn't matter their window was 365 days. 

Basically, I was going to pay down my heloc with this money, lmao, the representative decided to rub salt in the wound and mentioned that not only are they either keeping my money for another year at a measly 4.8 % and forcing me to pay the 8.5 % interest on the loan instead, but then decided to be XXXX and mention that a rate on their loan product would've been lower lmao.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: GA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX  on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-06-07 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: GA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX  XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: CA

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 XXXX Account XXXX has violated my rights. Or a 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 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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This company has violated my rights as a consumer, since it has reported monthly the account XXXX... which is in XXXX off, this is something illegal.

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 2024-06-07 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. The following credit reporting agencies are violating my consumer reporting rights and it is damaging my reputation. I have attached several documents for your review. Please remove these documents immediately.

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 2024-06-07 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. The following credit reporting agencies are violating my consumer reporting rights and it is damaging my reputation. I have attached several documents for your review. Please remove these documents immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
On or about XX/XX/XXXX we reached out to Newrez because we had been told that when our XXXX ratio hit 80 % we could drop pmi. We were informed there was different criteria and we needed to hit 78 % XXXX. 

On our about XX/XX/XXXX we contacted new rez because we had XXXX appraisals done and proof of our property value being far beyond the 78 % XXXX. Didn't matter, we needed to submit a formal written request to have a XXXX assessment completed by their people. 

We immediately filled and sent back the form. 

On or about XX/XX/XXXX we called to follow up as we hadn't heard anything from newrez. They claim they never received our written request for the XXXX  to be done. So we faxed it to them. Also on XX/XX/XXXX we're told by a representative from new rez " there's an error on their end. We are at the 78 % loan to value and it should have been dropped from the amount due. '' She's going to try to fix it with the higher up people now. 

On or about XX/XX/XXXX we called to follow up, again we're told they never received our written request that we'd faxed to them and that our PMI was still unable to be dropped off. So this time we emailed it. 

On or about XX/XX/XXXX new rez said they still didn't have our letter approving them to do the XXXX XXXX to drop our appraisal '. I stayed in the phone with the rep until he confirmed that he received the form I emailed in AGAIN, and had him take {$150.00} payment via phone for the XXXX assessment to be completed. 

On or about XX/XX/XXXX we looked into our online portal and realized that newrez misappropriated the funds sent for the XXXX and put them towards our principle payment. They removed from principle and said they would be applied to the XXXX. 

On XX/XX/XXXX we were contacted by the third party person from XXXX XXXX saying newrez hired him to do our XXXX. he came out on XX/XX/XXXX. 

On XX/XX/XXXX we were told by newrez that they had all of our documentation needed for PMI removal *despite being at the acknowledged less than 78 % value for months now* and we were approved for PMI removal. That we would see it drop off on or before XX/XX/XXXX. 

XX/XX/XXXX, I contacted new rez to see where it was at in the process of having our PMI dropped off. The rep informed me I needed to make a request for an escrow analysis to be completed before they would and could look at dropping our PMI. they said that escrow analysis would not be completed until XX/XX/XXXX, at which point newrez can take up to 60 more days to complete the payment adjustment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this XXXX 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 three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
There is a large amount in dispute on my card ( {$1600.00} ). The company did not receive my documentation to support the dispute and closed it prematurely. I called back numerous times and they sent me a link to upload supporting documents, which was not done at first. They told me they would reopen the dispute and during that time the amount would not be on my account and would not accrue interest. I uploaded my documents. However, the company never reviewed them and left the charge there. I called back XXXX more times and each agent told me they would remove the charge while it is in dispute and it would not accrue interest while the investigation was going on. However they never actually reopened the investigation. I kept calling back and each time it takes half an hour at least to go through their menu loops. When I called yet again on XXXX the person told me that my documentation wasn't sufficient because it did not contain photos, even though it did, which tells me they did not review the photos. That person then transferred me to someone else who then said something completely different, that I didn't submit any documentation and they never reopened the investigation and used only documentation submitted by the merchant. They can't keep their story straight. Then they transferred me to another person who said they can not open a dispute because the time frame has passed, even though I submitted all the documentation back in XXXX and XXXX and they either say that they don't have it at all or it's not what they need, even though they list the items they need and that's exactly what I uploaded. I will not pay for fraudulent charges and I will not pay for interest on these charges that is not supposed to be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: NJ

Complaint narrative:
I DO NOT RECONZIE THESE CREDIT INQUIRIES AND I ASKED FOR THIS TO BE REMOVED, AND THE BUREAUS DID NOT DO AS I ASKED. I WILL PROVIDE PROOF OF AN XXXX XXXX REPORT, WHICH I WILL ATTACH TO THIS AND I AM REQUESTING THAT ALL INQUIRIES BE REMOVED FROM CREDIT REPORT BECAUSE THEYRE NOT ACCURATE AND NOT MINE, SO PLEASE REMOVE.

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 2024-06-07 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: FL

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 {$1000.00} 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 : XXXX XXXX XXXX XXXXXXXX "

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