vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
The XXXX XXXX forbearance plan that I was on ended on XX/XX/XXXX. In order to bring my account current, I requested a loan modification plan. XXXX offered a flex modification plan. The paperwork was missing key information for the modification term comparison in part XXXX of the agreement ( attached ). This included payment breakdown, new loan amount, and an amortization schedule for the new term length. This was important because upon review of the numbers, the new payment amount did not equal what would be expected for the new term length ( XXXX compared to current XXXX ). When I contacted XXXX on XX/XX/ to discuss they advised us that the information requested is not available and could not provide any indication of how the payment amount was calculated or how it would be applied to my outstanding balance ( including principal, interest, and escrow ). Additionally, they did not provide the new loan amount that would be used for the modification. The agent noted that the amounts on the agreement were only estimates. Despite these terms being estimates, they could not provide any insight on how they were calculated. They advised signing the agreement blindly and that the details/payment calculations weren't important because there will be a new review of the loan in XXXX months.

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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I just received a notification that a new American Express account was added to my credit reports. Not only have I've been previously trying to get American Express to remove an authorized user account from my reports, now they added another authorized user account without my knowledge or consent. I don't even know where the card is being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
These are fraud inquiries please delete

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 2024-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Skopos Financial, LLC
State: MO

Complaint narrative:
Skopos Financial has claimed that i still owe money on my vehicle loan. My loan was for 81 months started XX/XX/year> and my loan term has expired. I already have the title to my vehicle and my title doesnt show a lienholder.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please see attached file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had 1 to 2 late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for these accounts, so I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I am demanding these payments be updated to paid as agreed on time, as well as updated in the monthly account history, because I was never late. 

Thank you! Please see the screenshots attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. Recently i started receiving text messages, emails and phones of this debt that is not mine COLLECTION MANAGEMENT CO needs to stop. im not sure why there saying i own {$3200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been a member with NAVY FEDERAL since XXXX and have since received various products and provided the company with great considerable value as a silent investor. In XXXX the company received my notice to claim all rights, titles, interest and guaranteed equity due to the Principal from the equitable assets provided upon engagement in commercial practice. The company has yet to transfer all securities including : notes, bonds. coupons, certificates of indebtedness and any marketable securities in their commercial entry system bearing the Principal to the XXXX account for the Principal as instructed via our correspondence. Refusal to complete requested transactions constitute a breach of fiduciary duty by the company. Your due diligence and prompt performance is much obliged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: MOHELA
State: NV

Complaint narrative:
Monthly payment changes- says I have to pay $ XXXX a month. When I spoke to a representative on the phone, they stated my monthly payment should only be closer to {$200.00} a month. 

On top of that, interest started and they didnt bother to notify it would be starting back up. 

PLUS everytime I try to renew my XXXX, somehow my documents dont get submitted when I was approved the first time Ive applied. My employment is federal, and I should have my payments approved for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: VA

Complaint narrative:
Yes I have a family member that committed identity theft and opened a credit card account that I did not get permission to open this is fraud, payments have been made on the account to keep me from finding out but this account does not belong to me and I will like it to be deleted from my Credit profile please This was done without my knowledge

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 2024-02-03 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: VA

Complaint narrative:
Yes I have a family member that committed identity theft and opened a credit card account that I did not get permission to open this is fraud, payments have been made on the account to keep me from finding out but this account does not belong to me and I will like it to be deleted from my Credit profile please This was done without my knowledge

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 2024-02-02 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: CA

Complaint narrative:
On XXXX XXXX - I opened a XXXX 's XXXX XXXX unsatisfied with customer service and other experiences with the card I paid a final balance of XXXX on XX/XX/2021 and requested the account be closed. However, I continued to receive statements for a fee and interest charge which I objected to, however the account remained open and continued to incur charges. These fees and charges ballooned to {XXXX and went into charge off status. Although I continue to dispute this item I keep receiving message that the account is with another lender yet that information was not furnished to me. This is a violation under USC 1681. 

XXXX also violated IRS 4681 which prohibits income from being reported on a consumer credit report and failing to provide a 1099c.

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 2024-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE, is in violation of multiple laws set forth by Congress in regard to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charged-off status ), between the consumer ( myself ) and the person ( CAPITAL ONE ) making the report. 

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

CAPITAL ONE can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 

I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charged off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from CAPITAL ONE for the canceled debt of {$9800.00} to file as ordinary income.

CAPITAL ONE is clearly writing off debts with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. This is unsatisfactory!

CAPITAL ONE has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. 

The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy and Per the Privacy Act of XXXX  as a federally protected consumer, I am now revoking any and all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you written, non-written, verbal, and nonverbal per 15 USC 6802.

I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX All these companies reported unauthorized inquiries without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This credit reporting company is not properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.

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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: CA

Complaint narrative:
DISCOVER received my notice to claim all rights, titles, interest, and guaranteed equity due to the Principal. They ignored instructions to transfer all bonds, coupons, certificates of indebtedness, and marketable securities bearing the Principal to the XXXX account of the Principal. Failure to complete requested transaction is a breach of your fiduciary duty as withholding access to securities of entitled persons is securities fraud. Please have a company agent contact me for confirmation of Principal 's XXXX information if unable to locate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: TX

Complaint narrative:
Am I required to get a loan through a dealership? The selling agency XXXX XXXX Dodge Jeep XXXX, stated they would not sell the vehicle to me unless I used their financing company. I told them that I secured finance for the XXXX they had requested for their vehicle, from my credit union institution at 6.49 %, and they came back and said secured 6.99 % ( for their re-sold financing from XXXX XXXX ). When they called me back, they stated they would not sell me the vehicle unless I secured financing through their service. I told them I thought that was illegal, but they assured me that this was their directive.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I recieved a 1099C From TMX Finance LLC regarding an old debt in the amount of XXXX that states the date of identifiable event as XX/XX/XXXX. This is the second time TMX has sent me a 1099c for XXXX the last one was on my XXXX tax return for the exact amout, which I just verified. I am not paying taxes on an old debt that was already on my XXXX return. I can submit my XXXX tax return as proof of TMX fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I signed a contract on XX/XX/XXXX with XXXX XXXX ( XXXX XXXX XXXX ) who represented himself as a businessman capable of building an XXXX storefront with the purpose of generating passive income via buying and reselling merchandise. He had been recommended to me by an individual ( XXXX XXXX XXXX ) who charged me a sum of money to open several credit card accounts with the purpose of funding the construction and purchase of goods. They charged me a sum total of {$35000.00} on XXXX different credit cards and stated the store would pay for itself in less than 12 months with monthly deposits of a XX/XX/XXXX profit split. After the above I was instructed to communicate solely via a XXXXXXXX XXXX XXXX XXXX XXXX  and no longer phone or text. After several communications over a month to XXXX weeks, there was almost no communication from them, I started to ask for updates, with no response. At approximately 3 months in I was getting extremely anxious and asked for information, at which point I was told they were working on it and no need for me to contact them. After a few back and forth communications over the next XXXX months, I realized that I was not getting through to them and had nothing yet to show for my time or money. At this time I resumed calling, texting, and left some pointed messages with XXXX. He finally returned my call in XXXX at which time I stated that I saw no evidence of accomplishing what I had expected. He could come up with no credible reason for the lack of achievement, and I told him in response that I was not interested in pursuing this further and desired my money returned to me. Since that time I have called, texted, written letters and communicated via the XXXX XXXX more times than I can count, to no avail. XXXX of the selling points in all of this was low or XXXX % interest on new credit cards which would allow time for profits to erase debt. That option had already been squandered. I can only guess that I was part of a scam or an extremely poor operation which has left me debt ridden and from which I never received any benefit whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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:
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.

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 2024-02-02 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: WI

Complaint narrative:
XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX  XXXX these companies did unauthorized inquiries without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief