vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Panorama Mortgage Group, LLC
State: GA

Complaint narrative:
My Mortgage loan was transferred to Panorama Mortgage Group LLC ( XXXX XXXX XXXX ) since XX/XX/2023. Around the end of XX/XX/2023, I received a letter and email indicating that my Loan will be transferred to Panorama Mortgage Group LLC in XXXX, Tx on XX/XX/2023 and to make my payments with them. On the letter I receive there was no indication of paying through a portal or any changes to the payment process so I made my XXXX payment the same way I made my previous payments by going to pmgllc.com and clicking on the " make a payment '' option. On XX/XX/2023 I made a call to Panorama Mortgage Group LLC ( XXXX, Tx ) to inquire about how to get XXXX XXXX taxes paid with my escrow account. On that call I learned that the company does not have my XXXX or XXXX payments. I promptly informed them that this is not true and provided them the screenshots of the confirmation emails as well as proof of the payment transaction from my bank on the portal that the customer service agent instructed me to create. From there a task was opened and they said to give it 30 days from the time of the task creation so this issue can be addressed. I called almost every week for the next 30 days for an update and nothing changed. The first week of XXXX I received a letter in the mail finally instructing me to create a portal to make my payments. The letter was dated XX/XX/2023. I called again on XX/XX/2023 to ask for a status update and they informed me that the task was closed as they needed 30 days for the system to be updated before the issue is escalated. I asked them to open another task because the issue is still present and asked them to escalate again. At this point I have received numerous communications ( letters, emails, and phone calls ) from the company telling me that my account is past due and I am at risk of losing my house. I continued to call them to ask when this issue will be addressed and if it will take more time to please stop the communications saying I will lose my house when I am indeed on time with my payments. I've been told that this is a system wide issue and multiple accounts are affected due to this error. I asked for a letter or some type of communication that explains this issue however I have yet to receive one. I do not see any formal notice on their website indicating that this is an issue either. I called again the last week of XXXX to which I was told that I now have to give it 30 to 60 days for the account to be updated however I am receiving NUMEROUS communications from the company that I am about to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2024-01-08 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: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
Hello, I have been trying to resolve with Caliber Home Loans ( loan has been transferred to XXXXXXXX XXXX XXXXXXXX as of XX/XX/XXXX ) disputed payments since the end of XXXX without success. 

I have written ( certified and email ) as well as called and talked to several representatives who were unable to provide information about records of payments made. I was unable to speak with the bankruptcy department since my bankruptcy has been discharged ( XX/XX/XXXX ). 

I have verification from my bank that all payments from XX/XX/XXXX - XXXX XXXX XXXXXXXX, have been satisfied, and I can provide proof upon request. Some files attached, can require more documentation if needed. 

My credit has taken a huge hit and I'm unable to refinance my home due this ongoing issue. Please help me resolve so I can move on. 

Thanks very much! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
I have a Milestone Credit Card that I have never been late on payment. I paid monthly bill on the XXXX and paid {$60.00} over the minimum payment required. This amount came out of my checking account on the same day which was the XXXX. The next thing I knew my bank showed that my credit score dropped by over XXXX points with credit agencies stating the reason was because I was over the limit on my credit card. I contacted Milestone and complained telling them that they caused my score to drop by stating I was over limit even though I paid my bill early like always and paid over the minimum amount. I told them I wanted them to file report with credit agencies showing them that I paid bill on XXXX, they took money out of my account on XXXX which was early and over minimum payment required so the situation was fixed so points were put back and my score was adjusted. I was told that it would be taken care of but not only have they not taken care of anything they're still showing my account as over the limit and still have never put payment from the XXXX on my account despite it being taken out of my account and speaking with them. 
I was XXXX in XXXX XXXX  many years ago which caused me to lose everything including my 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 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 However after years of XXXX XXXXXXXX hardwork and several miracles I was able to leave. Now after years of more XXXX XXXX I was finally able to get one of my doctors to sign off and approve me being able to reestablish my XXXX  and everything else that will not only help my health and family but will also help thousands of families and our Country.

Because of this I've been doing everything possible to get everything in place to apply for Government Guaranteed Loans and other Programs that I qualify for that assist people with XXXX and other social disadvantages. One of the main issues is getting my credit scores as close to the XXXX that they were at before the accident that caused me to lose everything which is the reason why this is so important. This is why I'm trying to find out how they can show my account as over the limit when I paid it early on the XXXX, they took money out of my checking account on same day and still show it the same way. I'd like for them to fix what they caused to my credit scores by showing when I paid bill and that it shouldn't be over the limit like they're still showing for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: I.C. System, Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Method of Verification and 1681a ( 3 ) ( e ), an investigative consumer report must contain accurate and complete information regarding a consumer 's character, general reputation, personal characteristics, and mode of living through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Furthermore, in compliance with FCRA, 15 U.S. Code 1681e ( b ) Compliance procedures, I am entitled to review this information for its completeness, accuracy, and appropriateness.

I am highly requesting as a part of your investigation : Which Neighbor did personally interview?

Which Friend did you personally interview?

Which Associate did you personally interview?

The name of the original creditor The creditors ' address and telephone number.

The persons name they verified the dispute with The Valid documentation used to validate the dispute.

Also, the procedures your company has in place to ensure maximum accuracy with my consumer report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Method of Verification and 1681a ( 3 ) ( e ), an investigative consumer report must contain accurate and complete information regarding a consumer 's character, general reputation, personal characteristics, and mode of living through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Furthermore, in compliance with FCRA, 15 U.S. Code 1681e ( b ) Compliance procedures, I am entitled to review this information for its completeness, accuracy, and appropriateness. I am highly requesting as a part of your investigation : Which Neighbor did personally interview?

Which Friend did you personally interview?

Which Associate did you personally interview?

The name of the original creditor The creditors ' address and telephone number.

The persons name they verified the dispute with The Valid documentation used to validate the dispute.

Also, the procedures your company has in place to ensure maximum accuracy with my consumer report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I've called Pro Collect to get information regarding the debt owed. They are very rude, unprofessional. They refuse to send information regarding the validity of the debt. I told them the debt in question was fraudulent. Their response was you either pay it in full or we will flag the account as " refusal to pay. '' The representative then went on to say it was their company policy to respond in that fashion regarding old accounts. Then hung up the phone.

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 2024-01-08 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: MD

Complaint narrative:
I reached out, via certified mail to the credit bureau, on XXXX and XXXX, regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within four days of receiving the necessary documentation from the consumer. Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. XXXX v. XXXX XXXX XXXX XXXX This block must be implemented within four days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. XXXX v. XXXX XXXX. XXXX XXXXXXXX If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA XXXX v. XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have suffered identity, theft, and fraud. I never consented to the following accounts, or have any recollection of any transactions.

My personal financial information is private and non public. The Gramm-Leach-Bliley Act ( GLBA ) focuses on the privacy of nonpublic personal information held by financial institutions. Under the GLBA, financial institutions are required to provide consumers with privacy notices that explain their policies and practices regarding the sharing of nonpublic personal information with non-affiliated third parties. XXXX, XXXX and XXXX are PRIVATE companies that are non affiliated. My personal financial information is private.

Furthermore, the GLBA generally allows consumers the opportunity to opt out of certain information-sharing arrangements with non-affiliated third parties. Financial institutions are obligated to inform consumers about their right to opt out and provide a method for them to do so if the institution intends to share nonpublic personal information in a way that triggers this opt-out requirement. 


JPMCB never contacted me about these accounts being opened. They never had my personal verbal or written consent. validation of my name, address, phone number is not sufficient evidence that I ever opened these accounts with my personal knowledge. 

I ask JPMCB to show me proof that they have my consent or permissible purpose to report and cause me damage. 

In so ruling, the XXXX XXXX concluded that a consumer alleging a willful violation of the FCRA does not need to prove actual damages to recover damages of not less than {$100.00} and not more than {$1000.00}. 

and under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX proves that a contract doesn't establish proof that a debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Bankruptcy should report actual courthouse name, filed date and docket number. 

Information are inaccurate, it is reporting inaccurate reference number, Closing date & Courthouse name.

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 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WESBANCO BANK, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I signed up for a Wesbanco checking account after seeing their promotion advertised for {$400.00} after making a {$500.00} direct deposit within 60 days. I took a screenshot of the promotion to ensure I would have the terms and show I was using it properly. ( Attached ). I applied through the " Apply Now* '' link on the page and followed the instructions to " Be sure to add promo code XXXX in your Shopping Cart ''. I copied ( Ctrl+C ) the code directly off that page, and pasted it in later to avoid issue. ( Attached where I pasted the code -- this screenshot is from today, not from XXXX for illustrative purposes ). I completed the application successfully and got a confirmation email. I had no reason to believe the promo was not recorded or would not be honored. I exceeded the conditions for the bonus. I waited for the payout, but didn't see it. On XX/XX/XXXX I decided to reach out and messaged through the bank 's system. I was then told that my account didn't have the promotion attached, and that the promo period ended XXXX ( which I found irrelevant since I signed up XX/XX/XXXX. ) After a few more messages where I insisted I did indeed enter the code and they must have an issue, I searched online and found forums with many others with the same issue. I read that some people who raised the issue did receive the {$400.00} credit, but that seemed to stop in XXXX. I called Customer Service and the agent told me ( on a recorded call ) that " tons of people '' called in with this problem and they used to be able to fix it until " marketing took that power away from us ''. 

I wonder now whether the issue was that I pasted in the code. I now understand that some websites may not properly ingest data entered via paste and not manually typed. If that is so, I argue that's a deficiency on their site that I have no control over and could not have known about. 

They know there was an issue with their system, they were acting to correct it and honor it, and then they stopped. I couldn't possibly have complained before XXXX since I needed to wait at least 60 days + 7 days, plus accounting for non-business days. 

I have tried to resolve it with Wesbanco to no avail. This company is acting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For false information appearing on my credit report, I filed disputes with XXXX, XXXX, and TransUnion. I informed them of their violations to my consumer report and provided a list of the accounts. They have not responded in excess of 30 days. All of the letters that were sent are attached below.

By failing to mark this disputed account as disputed, this company has violated FCRA 623 ( a ) b ).

Since this account 's last activity date is reporting, 605 ( c ) is operating if the period has also been broken. The last date on which a payment was made should be reflected.

The Federal Trade Commission believes that this company has consistently neglected to verify this collection account, thereby breaching FDCPA 809b.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For false information appearing on my credit report, I filed disputes with Experian, XXXX, and XXXX. I informed them of their violations to my consumer report and provided a list of the accounts. They have not responded in excess of XXXX  days. All of the letters that were sent are attached below. 

By failing to mark this disputed account as disputed, this company has violated FCRA 623 ( a ) b ).

Since this account 's last activity date is reporting, 605 ( c ) is operating if the period has also been broken. The last date on which a payment was made should be reflected.

The Federal Trade Commission believes that this company has consistently neglected to verify this collection account, thereby breaching FDCPA 809b.

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