vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MCI Mortgage Inc
State: TX

Complaint narrative:
I entered a forbearance agreement ending on XX/XX/year>. The terms were to make the monthly mortgage payment for XXXX ( approx {$4200.00} ) in the beginning of XXXX and also pay off the total delinquent amount ( approx {$17000.00} at the time ) at the end of XXXX. I unfortunately lost my job during this period, and lost my projected income. I instead tried to make a hardship withdrawal from my retirement account. I had an issue transferring funds, which took additional time for me to get the amount needed. 

I was still able to get the total full amount to make the delinquent payment before the end of XXXX - I offered to make the full payment before the end of the month. However, I received notification that the mortgage company would not accept payment ( even though I was able to pay the full amount ) and had initiated foreclosure ( date set for XX/XX/year> ) I contacted a HUD counselor on XX/XX/year> who also contacted the mortgage company directly- but the refused to speak with her directly - instead directing her to the lawyer, who has not responded. 

The mortgage lender has since refused to speak with me directly, instead directing me to their lawyer, who also has not been responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: MO

Complaint narrative:
I filed a complaint with Experian to dispute this account as it is not mine and instead they did not complete an investigation. The account says it was opened in XXXX of this year, but is already in collections for over XXXX XXXX dollars. This is a fraudulent account that I did not open.

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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I received the Citi card and looked at the terms. I didn't like terms and called XXXX. I was informed that the conversation was being recorded, so I said that I would record it as well. I was than connected to a man and told him I wanted to cancel the credit card. He told me if I would stay a customer that he would give me air miles. I told him I didn't like the terms of the card and asked to cancel. He went on telling me different cards, and would not entertain my 20 or so request to cancel the card. I became very frustrated and angry at his behavior and asked to speak with his supervisor which he ignored. I told him that I would file a complaint, which didn't fase him and he continued to go through all the benefits of being a customer. This went on for 14:57 minutes. I was informed via the introduction that the conversation would be recorded, so I said I would record, it without response. I received the Citi card and reviewed its terms. However, I wasn't satisfied with them and decided to cancel the card. I called XXXX and spoke to a representative, explicitly stating my intention to cancel the card. The representative tried to persuade me to stay by offering air miles, but I firmly declined and repeated my desire to cancel. Despite my repeated requests to cancel the card, the representative kept trying to convince me to stay and offered different card options. This caused me to become increasingly frustrated and angry, and I demanded to speak with his supervisor, but he ignored my request. The representative continued to promote the benefits of being a customer, and the conversation lasted for 14 minutes and 57 seconds. He was still going thorough his pitch when I hung up in frustration. 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 non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Letter was mailed with check as a settlement payment to SYNCB/Car Care as a pay to delete settlement. The company cashed the check but they failed to delete the charge-off after they cashed the check. Instead they reduced the payment and kept the charge-off on my credit file. This is unethical and not what was agreed upon.

SYNCB/CAR CARE SYN CAR C - score impact : low Summary Details Transactions Source : Credit Report As of XXXX XXXX, XXXX Account # XXXX Account Status CLOSED_CHARGE_OFF Payment Status Past Due - {$800.00} Balance Owed {$800.00} Payment Amount {$0.00} Credit Limit {$700.00} Recent Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Days Late - XXXX  Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX Creditor Remarks Profit and loss writeoff Account Type Charge Account Last Payment XX/XX/XXXX Account Verified XX/XX/XXXX Date Opened XX/XX/XXXX High Balance {$1100.00} Term Length XXXX Month ( s ) Payment Frequency-

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 2024-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XXXX, I moved out of my apartment at XXXX XXXX in XXXX XXXX ( managed by XXXX ). I was asked to pay cleaning costs from move out. {$500.00} was paid via XXXX, and the balance I was told was to be paid to the apartment mgmt company XXXX. XXXX approved my {$500.00} claim. The balance of {$270.00} was to be paid via cashiers check within 30 days. I dropped off my cashiers check in person at the apartments management office within 30 days. Months later, in approximately XX/XX/XXXX, I received a letter from National Credit Systems indicating I was sent to collections for this amount. 

I shared proof of payment to both the apartment complex/ XXXX in XXXX of XXXX. Specifically, the {$270.00} was withdrawn from my bank and the XXXX XXXX XXXX personnel had signed my cashiers check receipt dated XXXX XXXX. 

Then, this week, the debt shows up on my credit report and my credit score dropped significantly from this as an unpaid collections item. So, this week, I went ahead and ALSO paid the collector, as well, in the meantime while seeking to resolve the issue. I paid via phone with my debit card. 

Each party is telling me to work with the other to resolve. The collector stated on a phone call ( which they state they recorded ) that XXXX XXXX did send this balance to them for collection. XXXX claims they do not know why or how it was sent to collections. XXXX ( XXXX XXXX XXXX refuses to acknowledge whether or not they have cashed my cashiers check from XXXX of XXXX. They also refuse to discuss on the phone. XXXX email is available below from XXXX. Also is the apartment website and the XXXX website. I have spoken with XXXX at National Credit Systems whose extension is # XXXX. Emails and other relevant photographic information is attached to this complaint. 

https : XXXX XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I notified Equifax in the CFPB complaint XXXX that the account XXXX XXXX XXXX was not validated by the creditor and they failed to remove this account or explain how this was verified. XXXX and XXXX deleted this account. Furthermore, Equifax failed to notate this account was in dispute within 30 days now this account in violation. Per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), you failed to provide me with the names and business addresses of each individual who verified the aforementioned item. XXXX and XXXX deleted this unverified account. Please see the attached credit report which shows that there is no creditor and no notation of a dispute and remove the account from my credit report or I will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
Subject : Complaint Against Equifax for Non-Compliance with FCRA Standards Dear Consumer Financial Protection Bureau, This letter is to file a complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ) concerning the handling and reporting of my credit information, particularly inaccuracies reported by XXXX XXXX. 
Multiple Erroneous Listings : Equifax has listed the same credit builder loan under multiple names including XXXX XXXX XXXX XXXX XXXX  causing confusion and inaccuracies in my credit report. 

Disregard for Dispute Resolutions : Despite filing disputes with detailed evidence against the inaccuracies reported by XXXX XXXX, Equifax has not taken adequate measures to investigate or rectify these inaccuracies, contrary to FCRA mandates. 

Adverse Effects on XXXX XXXX : The inaccuracies maintained by Equifax have detrimentally affected my credit score, limiting my access to financial products and opportunities. 

I urge the CFPB to take necessary action to ensure Equifax complies with FCRA obligations by conducting a full investigation into my disputes and rectifying the inaccuracies promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I sent them a debt Validation letter in the mail and didn't get a response, so i sent another letter, this time I sent certified mail, and I have proof that it got delivered. This is what i am asking for in my debt validation letter. 
1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 
2. Proof of Ownership : I request proof that your agency has the legal authority to collect the debt, including a copy of the assignment or purchase agreement from the original creditor. 
3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
4. Copy of the agreement : Kindy provide a copy of the signed contract or agreement, that demonstrates my obligation to pay this debt. 
5. Documentation of your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant State and Federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
REQUEST FOR OVER 2 YEARS FROM THE CREDIT BUREAUS VALIDATION OF DEBT WHICH THE CREDIT BUREAUS HAVE FAILED TO VALIDATE THE DEBTS ALL THREE CREDIT BUREAUS HAVE FAILED TO VALIDATE THE DEBTS FOR OVER THREE YEARS ACCURATELY, I HAVE SENT 1ST LETTER, 2ND LETTER, 3RD LETTER OF VALIDATION WITH NO SUCCESSS.

I HAVE SENT LETTER TO THE CREDIT AND HAVE BEEN EXTREMELY UNSUCCESSFUL IN RECEIVING ANY INFORMATION REGARDING THE VALIDITY OF THIS DEBT SO NOW I AM REQUESTING YOU STEP IN IT HAS BEEN 2 YEARS I AM REQUESTING VALIDITY INTO THIS DEBT COMENITY BANK/VCTRSSEC - score impact : low Summary Details Transactions Source : Credit Report As of XXXX XXXX, XXXX Account # XXXX Account Status CLOSED_CHARGE_OFF Payment Status Current Balance Owed {$0.00} Payment Amount {$0.00} Credit Limit {$610.00} Recent Payment History - - - - - - - - - - - - Days Late - 7 Year History : 30 : 0 60 : 0 90 : 0 Creditor Remarks Purchased by another lender Account Type Charge Account Last Payment XX/XX/XXXX Account Verified XX/XX/XXXX Date Opened XX/XX/XXXX High Balance {$860.00} Term Length 0 Month ( s ) Payment Frequency -- Account Rating Payment after charge off/collection Account Description Individual account, Revolving, Charge Account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: MS

Complaint narrative:
UNAUTHORIZED XXXXXXXX XXXX XXXX XXXX XXXX debited/assessed XXXX charges to my credit card account ending in XXXX from XX/XX/XXXX, through XX/XX/XXXX. I disputed the charges as I have with XXXX. In the attached letter to me dated XX/XX/XXXXXXXX XXXX XXXX  reversed all {$2.00} charges to my credit card and which should have also corrected the 30 days late payment XXXX XXXX XXXX reported to XXXX, XXXX, Transunion and MY FICO as 30 days late. Since it is XXXX XXXX XXXX responsibility to correct the negative reporting, they failed to do so. 

PLEASE NOTE, THESE CHARGES APPEAR IN THE FORM OF {$2.00} ON IN MY CREDIT REPORT FILES, ALTHOUGH THE ACTUAL CHARGES ARE {$2.00} EACH. 
XXXX XXXXXXXX XXXX  removed all charges and reversed the XXXX through XX/XX/XXXX {$2.00} charges and specifically XX/XX/XXXX late fee and late reporting but have failed to report to the credit bureaus to correct the 30-day late payments my credit reports. As of today, XX/XX/XXXX, the {$2.00} charge which is being reported as {$2.00} charges to all four ( MYFICO, XXXX, XXXX AND TRANSUNION ) is still reported as 30-days late and reflects as a negative account, reducing my credit scores and making me look like a potentially slow paying customer. This has already caused me negative experiences when applying for financial help. 

Please have XXXX XXXX XXXX removed these {$2.00} charges removed from all four credit reports ( MYFICO, XXXX, XXXX AND TRANSUNION ), asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF! 

PLEASE HAVE THE LATE PAYMENT REPORTED TO XXXX, XXXX, TRANSUNION AND XXXX CREDIT BUREAUS CORRECTED TO REPORT AS {$00.00} AND PAID AS AGREED OR REMOVE THE ACCOUNT ALTOGETHER, AS I HAVE BEEN REIMUBURSED BY XXXX XXXX XXXX WHICH IS PROOF THE CHARGE WAS FRAUDULENT BY XXXX. 

Remove the 30 days late payment for XX/XX/XXXX charge and any other months XXXX XXXXXXXX XXXX reported from my credit reports, all of them. The XXXX charges were unauthorized as XXXX XXXX XXXX has agreed and verified in a letter to me dated XX/XX/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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
UNAUTHORIZED XXXX CHARGES XXXX XXXX XXXX debited/assessed XXXX charges to my credit card account ending in XXXX from XX/XX/XXXX, through XX/XX/XXXX. I disputed the charges as I have with XXXX. In the attached letter to me dated XX/XX/XXXXXXXX XXXX XXXX  reversed all {$2.00} charges to my credit card and which should have also corrected the 30 days late payment XXXX XXXXXXXX XXXX reported to XXXX, Equifax, XXXX and MY FICO as 30 days late. Since it is XXXX XXXXXXXX XXXX responsibility to correct the negative reporting, they failed to do so. 

PLEASE NOTE, THESE CHARGES APPEAR IN THE FORM OF {$2.00} ON IN MY CREDIT REPORT FILES, ALTHOUGH THE ACTUAL CHARGES ARE {$2.00} EACH. 
XXXX XXXX XXXX  removed all charges and reversed the XXXX through XX/XX/XXXX {$2.00} charges and specifically XX/XX/XXXX late fee and late reporting but have failed to report to the credit bureaus to correct the XXXX late payments my credit reports. As of today, XX/XX/XXXX, the {$2.00} charge which is being reported as {$2.00} charges to all four ( MYFICO, EQUIFAX, XXXX AND XXXX ) is still reported as XXXX late and reflects as a negative account, reducing my credit scores and making me look like a potentially slow paying customer. This has already caused me negative experiences when applying for financial help. 

Please have XXXX XXXX XXXX removed these {$2.00} charges removed from all XXXX credit reports ( MYFICO, EQUIFAX, XXXX AND XXXX ), asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF! 

PLEASE HAVE THE LATE PAYMENT REPORTED TO XXXX, EQUIFAX, XXXX AND MYFICO CREDIT BUREAUS CORRECTED TO REPORT AS {$00.00} AND PAID AS AGREED OR REMOVE THE ACCOUNT ALTOGETHER, AS I HAVE BEEN REIMUBURSED BY XXXX XXXX XXXX  WHICH IS PROOF THE CHARGE WAS FRAUDULENT BY XXXX. 

Remove the 30 days late payment for XX/XX/XXXX charge and any other months XXXX XXXXXXXX XXXX  reported from my credit reports, all of them. The XXXX charges were unauthorized as XXXXXXXX XXXX XXXX has agreed and verified in a letter to me dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
UNAUTHORIZED XXXX CHARGES XXXX XXXX XXXX debited/assessed XXXX charges XXXX my credit card account ending in XXXX from XX/XX/XXXX, through XX/XX/XXXX. I disputed the charges as I have with XXXX. In the attached letter to me dated XX/XX/XXXX, XXXX XXXX reversed all {$2.00} charges to my credit card and which should have also corrected the 30 days late payment XXXX XXXX XXXX  reported to XXXX, Equifax, XXXX and MY FICO as 30 days late. Since it is XXXX XXXXXXXX XXXX  responsibility to correct the negative reporting, they failed to do so. 

PLEASE NOTE, THESE CHARGES APPEAR IN THE FORM OF {$2.00} ON IN MY CREDIT REPORT FILES, ALTHOUGH THE ACTUAL CHARGES ARE {$2.00} EACH. 
XXXX XXXX XXXX removed all charges and reversed the XXXX through XX/XX/XXXX {$2.00} charges and specifically XX/XX/XXXX late fee and late reporting but have failed to report to the credit bureaus to correct the XXXX late payments my credit reports. As of today, XX/XX/XXXX, the {$2.00} charge which is being reported as {$2.00} charges to all XXXX ( MYFICO, EQUIFAX, XXXX AND XXXX ) is still reported as 30-days late and reflects as a negative account, reducing my credit scores and making me look like a potentially slow paying customer. This has already caused me negative experiences when applying for financial help. 

Please have XXXX XXXX XXXX removed these {$2.00} charges removed from all four credit reports ( MYFICO, EQUIFAX, XXXX AND XXXX ), asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF! 

PLEASE HAVE THE LATE PAYMENT REPORTED TO XXXX, EQUIFAX, XXXX AND MYFICO CREDIT BUREAUS CORRECTED TO REPORT AS {$00.00} AND PAID AS AGREED OR REMOVE THE ACCOUNT ALTOGETHER, AS I HAVE BEEN REIMUBURSED BY XXXX XXXX XXXX WHICH IS PROOF THE CHARGE WAS FRAUDULENT BY XXXX. 

Remove the 30 days late payment for XX/XX/XXXX charge and any other months XXXXXXXX XXXX XXXX  reported from my credit reports, all of them. The XXXX charges were unauthorized as XXXX XXXX XXXX  has agreed and verified in a letter to me dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: Farrell Holdings, LLC
State: TX

Complaint narrative:
Since XXXX pac auto finance have been sharing my information with third party companies, I reached out to the company and they said they sold my information to a third party company named XXXX XXXX XXXX which should not have my private information without my knowledge or consent pac auto is responsible for this violation 5 USC 552 ( a ) ( 16 CFR 313.7 433.2-433.3 The privacy Act of XXXX restrictions against all companies sharing personal information including my social security number without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: FL

Complaint narrative:
To whom it may concern : I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. 

Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-11 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: GA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED

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