vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — Other type of 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Called Rushmore Servicing at XXXX to clarify a verification code sent at XXXX XXXX today to my text. I did not attempt to get online with this company at XXXXXXXX XXXX today. Although I have been working with Mr. Cooper sister company, Right Path mortgage servicing, to complete a loan modification for the last 11 months, since XX/XX/2023. When I asked for a representative at XXXXXXXX XXXX. Central Time on the phone this morning, the automated message said our " service center is closed, call during service hours Monday through Friday XXXX XXXX Central Time ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-22 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: NV

Complaint narrative:
XXXX XXXX XXXX is NEGATIVELY REPORTING THAT I OWE A DEBT on my credit report that I knew nothing about I reached out to the company several times and have sent letters when I found out about the Debt and was never contacted back. Also the company is Inaccurately reporting the Debt on my credit Report, ( The date Last Active is Incorrect/inaccurate ) ( The date last Reported is incorrect/inaccurate ) ( The date opened is incorrect/inaccurate ) Therefore this Debt Should be Deleted immediately, it is negatively affecting My Mental Health my ability to build Credit and my ability to get credit I have been dealing with these for several years and now I'm ready to seek litigation. I would like this debt deleted immediately. According to : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
I switched my cell phone provider from XXXX to other phone carier more than five years and the only way XXXX would have allowed me to move to another provider was to paid the amount that I owed at the time which I did or else the transfer of my phone services to another carier would not have taken place due the campany policy. A customer who owes must pay before a transfer of services is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have a XXXX Credit Card which is back by Comenity Bank. I missed a payment on XXXX XXXX following this with in the next few days they had started to call me multiple times a day from XXXX, XXXX, and blocked numbers. I received up to XXXX calls a day. I had called multiple times to ask them to stop harassing me. Call center reps said they would stop calling, then hang up on me. I would continue getting calls within an hour. I spoke with a manager who was extremely rude and stated I was calling him a liar because they never tried to call me. Despite the fact I provided proof of the calls and informed him they were violating the Fair Debt Collection Practices Act. He also claims they don't make calls from the XXXX despite the fact it is their " local '' number and you can call it and it sends you to the same place as their XXXX number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am reporting a formal complaint against American Express XXXX for discriminating against during a recent credit extension application, specifically regarding the DELTA SKYMILES GOLD AMERICAN EXPRESS XXXX, in violation of federal laws and regulations enforceable by the Consumer Financial Protection Bureau ( CFPB ). 

American Express ' actions directly contravene the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), the Truth in Lending Act ( 15 USC 1666 ), and the Equal Credit Opportunity Act ( 15 USC 1691 ). These statutes aim to protect consumers from unfair adverse practices, ensuring transparency in credit transactions. I beleive American Express is prohibited from discriminating against me at least because I am a XXXX Veteran, XXXX, XXXX XXXX, on a fixed income, my marital status and certainly fraudulently misrepresented fact on my credit profile, furnished by scrupulous entities. I am in fact in the process of refuting these fact but most distiongly, XXXX consistently and blaintently disregards all concerns I have expressed about tis frequent inaccuracies published in breach of my privacy. The faith in and under the law as a protected consumer is severely breached through this credit violations. This in fact is not the first of its kind but I find big corporate entities such as American Express and XXXX find some preference in upholding barbaricism rather than the Laws simply by share reasoning of protected characteristics. 

According to the CFPB 's summary, credit discrimination encompasses various forms of unfair treatment, including the refusal of credit, discouragement from applying for credit, offering less favorable terms, such as higher interest rates, and account closure, based on factors such as race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or the exercise of rights under the XXXX XXXX XXXX XXXX. 

American Express XXXX 's discriminatory practices have unfairly impacted my ability to gain and benefit from credit naturally available to me and opportunities for the XXXX XXXX XXXX AMERICAN EXPRESS XXXX. this has hinders my ability to secure a future promising to my financialy security and interest via credit, on fair and unequal terms. These actions not only violate federal laws but also undermine the fundamental principles of fairness and equality in the credit market. I urge the Consumer Financial Protection Bureau to thoroughly investigate the allegations against American Express XXXX and take appropriate enforcement actions to ensure compliance with federal laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I already had this removed in the past and this company apparently now has asked me to pay and it has dropped my credit score. I told them this was fraud and explained I never lived in texas and that this bill was never mine. Asking to submit a police report which I didn't do because I dont have the time right now. I explained that another company already tried this and got it removed last time. I told them to remove or I will report them which I am doing now. They never did the due diligence to see if this was a valid debit and never sent me a letter to pay this either as well, just popped up on my credit report. 

The last company who did it was XXXX XXXX XXXX and it was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
Affirm is reporting many delinquent accounts on my record, however the merchandise has been returned to the manufacturer as defective. Affirm refuses to remove the charges due to being outside of a 60-day window and expects me to pay on items I do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I attempted to log into Equifax 's website and submit a dispute and it ALWAYS say error and does not allow me to do it. There are no fax numbers, email attachments or other electronic methods to submit dispute info AND I am locked out. To add, I was a victim of the Equifax settlement group and I have received info I was breached because of it. I have received no check nor any compensation for this, as I submitted paper work 2 years or so ago showing proof of over a few thousand in fees, improper interest and other effects from this breach to my data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
Account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is in reference to the complaint I had filed earlier - XXXX. 
Someone had fraudulently obtained a credit card in my name from Bank of America {$14000.00} back in XX/XX/2015. I had contested against this account with the bank when Bank of America tried to recover the money from me.

I received a 1099-C ( Cancellation of debt ) from Bank of America last month. Bank of America wants me to file 1099-C in my tax return on an account that doesn't belong to me. 

Please advise me on this. 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/2024 I received a notice from my loan service provider ( Mr. Cooper ) that my monthly mortgage payment would be increasing by roughly {$400.00} per month because of an escrow shortage. No alternate options for payments ( such as paying off a shortage as a lump sum ) were even proposed. Instead it was presented as " look at this huge mistake we made - here 's the new amount you will be paying ''. 

My loan was initially managed by XXXX who had to adjust my monthly payment occasionally. It was decreased by {$10.00} per month at one point. It was also increased by {$40.00} per month at one point. When these things happened, I received phone calls. My loan was then transferred to Mr. Cooper, and since then the quality of my experience has decreased significantly. Their portals are inferior, their customer service ( when I take the time to reach out ) is beyond lousy, and now their management services has made a significant miscalculation resulting in a large payment increase. 

I will be calling Mr. Cooper ( Nationstar Mortgage LLC d/b/a Mr. Cooper ) later on for an explanation in their own words, but I know enough to be aware there are multiple ways to handle this mistake and quite frankly they should be laying them all out as opposed to sending a poorly formatted notice.

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 2024-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MS

Complaint narrative:
I have called 5 times requesting a forbearance due to the fact that they never processed my request for a repayment plan. Every time I call, they tell me they will process it but it still shows the same amount owed and a delinquent charge while I was under forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Bring to your attention Account XXXX ( XXXX ) reporting Installment I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Bring to your attention Account XXXX ( XXXX ) reporting Installment I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Bring to your attention Account XXXX ( XXXX ) reporting Installment I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards.

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 2024-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank never informed ( billed ) that I had an outstanding balance until Comenity Bank started emailing me notices that I was Past-due, and was accessed a {$30.00} late fee for a {$32.00} purchase I'd forgotten I'd made at XXXX XXXXs -one of their store-cards.

I complained & was reimbursed the {$30.00}, but sustained the " minimal interest fee '' for two cycles. 

Just to be certain I didn't miss the bill I made another purchase XX/XX/XXXX, waited for the Statement Date ( XX/XX/XXXX ), and 10 days beyond that, and NEVER received any notification in any way, shape or form -email, text-message, or XXXX. And haven't yet. 

XXXX ( XXXX XXXX? XXXX XXXX, Utah? ) is obviously NOT billing their customers for the express purpose of charging LATE fees to those who may forget they made a minor store purchase. 
I have no outstanding complaints that need to be " resolved '', but I do want the authorities to know about Comenity Bank unethical, if not illegal practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Account is not mine

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Account is not mine

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
While checking my most recent Equifax credit report, my credit report shows some inaccurate accounts and credit inquiries that I do not recall authorizing. 

Online Information Services is in violation pursuant to 12 C.F.R 1006.30 I have no knowledge of, nor history with this company. 
Please remove the following account immediately. 

Online Information Services Account : XXXX After the discovery of the derogatory information, I immediately reached out to Equifax to notify them of the violation and they did not do a proper investigation, and listed the account as verified. 

Since Equifax did not correct the violation error, they too are now in violation for reporting such information. 

As stated above, my credit profile should not be compromised because XXXX XXXX XXXX did not follow proper procedure in accordance with 12 C.F.R 1006.30 and therefore this account needs to be removed immediately. 

Also, please remove the following inquiries from my report. 

XXXX XXXX  XX/XX/year> XXXX XX/XX/year> I demand Equifax validate this info with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing and inquiry, or remove immediately. 

Please, either provide me with strict proof I authorized this inquiry such as signed application or contract or recorded telephone call or delete these inquiries immediately, as they are not attached to any open verifiable accounts. 

If you do not have or can not provide strict proof of authorization please delete the inquiries immediately. 

If these issues are not resolved, I will have no other choice but to take legal action pursuant to 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am not affiliated with these debtors and did not initiate these inquiries. I strongly recommend that they be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NC

Complaint narrative:
Account not mine

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 2024-02-22 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: NC

Complaint narrative:
Account not mine

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