vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: Freedom Mortgage Company
State: NC

Complaint narrative:
Freedom Mortgage has caused my hardship since the loan modification paperwork was mailed to me. They omitted 2 apparently important pages from which contained full payment details and the deadline for the modification. When I called to make my 1st modification payment I found that the payment was almost double what the contract I signed actually said it was. I was on the phone for over an hour with them that day about it. I was not receiving monthly statement until I called and requested them. When I did the first one to come had a payment {$300.00} less then what i was told to pay when I called. They put forced placed insurance on my home 3 months after they paid my standing policy. I sent freedom Mortgage all their own documents as proof and it still took them 30 days to correct. They said I had no insurance claim money. When i pushed back they " found '' it and now it is almost {$2000.00} short. Have have sent 4 certified return receipt QWR and requests for information. They only replied to the first letter. The second letter was replied to 3 months later after letter 3 was already sent. Letter 4 has still not been replied to. They are quick to take your money but take their time when you need them to respond to RESPA requests. 
I had sent a full complaint with all supporting documents in XX/XX/XXXX. I received confirmation that XXXX received my complaint XX/XX/XXXX. I called XX/XX/XXXX and found out that it was processed as an inquiry so i am adding the complaint here in smaller form.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX this account showes closed on my credit report and it dosent belong to me it belong to someone who has same name in the familly

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX this account showes closed on my credit report and it dosent belong to me it belong to someone who has same name in the familly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
The bank took my money ( money for principal down payment and XXXX $ foe recast fee ) from XX/XX/XXXX and asked me to do a handwritten letter for my recast. They said they didn't have any forms for recast, and they promised to adjust my payment on XX/XX/XXXX. 
Then they started to play time with us. They sent us another form. They changed time to approve my recast till XX/XX/XXXX because of the document process. They asked us to redo everything again from the beginning. They sent back XXXX $ for the fee and ask us to send back. 
They totally forgot my money, XXXX $ for more than 3 months. How much can a bank earn with XXXX $? They couldn't answer me. One of the supervisor said they didn't touch my money. They just left it there. The world changes every moment. Do you think MONEY does not change? 
Finally, they asked me to get the money back. How come? The bank stole my money. They used my money. And they asked me to get back without any interest. 
I just need a justice for me.

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 2024-02-07 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: NY

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate 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 2024-02-07 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: EdFinancial Services
State: MN

Complaint narrative:
On XXXX XXXX, 2023 I received a letter from Ed Financial stating that my loans were discharged and that I was due a refund. They sent the refund check to the wrong address in XXXX of 2023. I have been contacting them weekly trying to get the check sent to the correct address. Their customer service team will opened a ticket with their finance team, but they will not give me any other information. They also claim that there is no estimated date for how long refunds take. They won't allow me to speak to a manager, nor will they give me a direct number to their finance team.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My husband and I recently went through a mortgage prequalification process with our bank, to prepare for searching for a new home. As part of this process, our bank pulled our credit reports. We completed the prequalification process on this past Sunday, XX/XX/XXXX. Beginning on Monday, and for the last 3 days, we have both received unsolicited calls and texts from various mortgage brokers and companies regarding our " interest in obtaining a mortgage. '' Both of our cell phone numbers are on the Do Not Call List ( since 2003 ) and both of our personal emails are registered on XXXX. I am not sure if this current situation technically falls under the definition of a pre-screen solicitation, but that seemed like the closest option to select. 

I have contacted our bank about it also, because we had both opted out of information sharing, and wanted the bank to know what was going on. One of the people who texted my husband specifically said she had received information through the credit bureaus ( EFX, XXXX, XXXX ) suggesting that a recent credit pull was related to interest in a mortgage product, so she was inquiring to see if we would discuss if she could offer better rates. 

Our personal information has been shared, and the irony is that we're being harassed by mortgage professionals, but we haven't even looked at any houses yet. This was just the first step get prepared to be able to look at houses and eventually make an offer. And it's worse than if we just got random mailers about products, b/c this is actually related to a decision we are trying to make that we would have liked to keep private. Certainly don't need the stress of dealing with phone calls from people we don't know about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is in clear violation of the law for contacting a third party or consumer reporting agency with my nonpublic personal information without legal authorization. I obtained a copy of my XXXX report and noticed an inaccurate collection account they furnished with an alleged debt of {$750.00} along with 1 late payment on ( XX/XX/XXXX ) that is not owed. Midland Credit Management can not provide me with a copy of an original signed consumer agreement where I gave them written authorization to furnish anything on my consumer report which violates 15USC 1681 ( B ). They also can not provide me with the original statement they sent me 21 days before the late transaction in this collection account was reported on XXXX which is a violation of 15USC 1666 ( b ). By furnishing this transaction, they also violate 15 USC 1681 ( 2 ) ( a ) ( i ) which states all transactions or experiences to any person are excluded from my consumer report which means late or not, my transactional history to any company is not supposed to be reported on my consumer report. On ( XX/XX/XXXX ), I sent Midland Credit Management a notice of their violations to cease and desist all collections activity regarding this alleged debt that is not owed to you or XXXX XXXX  as per 15USC 1692 ( c ). I have no legal responsibility to this debt and refuse to pay this alleged debt. The original creditor they listed on XXXX, XXXX XXXX  removed this credit card debt account from my credit reports before attempting to sell it to them because the data furnished was unverifiable, inaccurate, and a direct result of IDENTITY THEFT as per 18USC 1028 ( A ). 5 months later, they are attempting to collect this same debt that has already been proven to be inaccurate with noncompliance to the law by parking this inaccurate collection account and violating the FDCPA & 10006.30a and REGULATION F which took effect on XX/XX/XXXX. Due to their violations, Midland Credit Management must remove this collection account from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Per the Privacy Act of 1974 and the Fair Credit Reporting Act, 15 USC 1681b, 604 Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates, 15 USC 6801 protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

As well as 15 USC 6802 Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

As a federally protected consumer, I am now and in the future opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non verbal as per 15 USC 6802.

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 2024-02-07 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: NC

Complaint narrative:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

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 2024-02-07 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On XX/XX/2023, I sent a request to validate an alleged debt that I discovered on my credit report because I was looking purchase a home. I requested documentation for my record also advised them if they satisfied my request that I would have no issues with satisfying the alleged debt. 

I also said if they did not respond within 30 days that they were admitting to several violations. It has now been more than 30 days and because I wanted to remain honorable I am sending them an official notice of fault, just in case it was lost in the mail or they forgot to respond. 

There is also an invoice that I sent regarding the violations that would be in-acted after 30 days of no response. I will have all documents attached with this filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint against Midland Credit Management regarding their failure to respond to a cease-and-desist notice that I sent via certified mail, as mandated by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I kindly request your assistance in ensuring the permanent removal of the account associated with Midland Credit Management from my consumer report. 
On XX/XX/2023, I sent a cease-and-desist notice to Midland Credit Management via certified mail XXXX as permitted under the FDCPA, specifically 15 USC 1692cc. The letter was delivered to their office on XX/XX/2023, as confirmed by the certified mail tracking information. According to the FDCPA, upon receipt of such a notice, the debt collector has three possible responses : ceasing all communications, providing validation of the debt, or informing the consumer of further intended actions. However, despite the legally mandated obligation, Midland Credit Management has failed to respond within the stipulated time frame. This failure to respond within a reasonable period of time, specifically 30 days as prescribed by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i5, is in direct violation of the provisions designed to protect consumers rights. In addition to addressing this violation, I kindly request your assistance in ensuring the removal of the account associated with Midland Credit Management from my consumer report. The inability of Midland Credit Management to respond to my cease-and-desist notice has created an unjust burden on my credit and financial well-being. I have enclosed copies of the cease-and-desist, the certified mail receipt, and the tracking information for your reference. These documents serve as proof of my efforts to communicate with Midland Credit Management and their subsequent failure to respond appropriately. With this complaint, I urge the Better Business Bureau and the Consumer Financial Protection Bureau to intervene, investigate this matter, and take appropriate actions to address this violation and enforce the applicable regulations, ensuring Midland Credit Managements compliance with federal laws and regulations designed to protect consumers. Furthermore, I request your support in ensuring the account associated with Midland Credit Management is promptly removed from my consumer report, as it is unjustly impacting my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: EdFinancial Services
State: TX

Complaint narrative:
After making a payment on XX/XX/XXXX, my account was debited XXXX the next day. This put the account negative, consuming most of my direct deposit on XX/XX/XXXX. As a result, my automated payments generated overdraft fees, my vehicle broke down, and the automated system tells me that my next payment is due XX/XX/XXXX. I called for a few days ( XX/XX/XXXX, XXXX ) before realizing that I should document my experience, but the essence is below : XX/XX/XXXX - XXXX advised 45-90 days for resolution XXXX XXXX / XXXX - called XXXX @ XXXX hrs, waiting for call back same day - called Ed Financial was advised no action taken same day - Ed Financial states that issue has been expedited XXXX XXXX call back states that XXXX is waiting for signature and to check the mail ( nothing found ) confirmed 45-90 days for resolution XXXX Ed financial - Emergency status no action taken * Audio system says Payment due XX/XX/XXXX same day- XXXX States that no progress made XX/XX/XXXX - XXXX States that there is one more day to make the provisional credit decision. I advised that I would call back tomorrow Same Day - Ed Financial automated system advised next payment due XX/XX/XXXX. Per agent, I will receive assistance with any late fees, and there is no progress on the account, and that I will simply have to wait. 

XXXX XXXX clarified amount taken ( XXXX ) shows pending Credit one more day, will call back tomorrow Same Day- Ed Financial system states payment due XX/XX/XXXX, but website states no payment due. Agent advised that there is no time limit on the investigation, placed me on hold while she looked into the matter. Agent states no action has been taken, that there are a number of requests, and that they are worked in the order received. 

I do not understand how it is so easy for EdFinancial to ignore an error that could lead to missed payments, perhaps even default! Overall, it feels almost deliberate. If my word is not enough, here are other complaints : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 Federal Trade Commission 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 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