vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
I have a XXXX balance on my Fortiva Credit Card yet they are charging me a {$5.00} account maintenance fee and a late fee if I am late on the XXXX XXXX  monthly maintenance fee. This feee is basic extortion, because if I cancel this account my credit will be negatively impacted because it Will reflect as a closed account and my available credit will be reduced by the available credit limit of the card. This can not be legal.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank was notified in writing that my mother had passed and included was a copy of her death certificate and a copy of the death certificate was also hand delivered to the local branch where my mom also had a checking account. Key Bank continued sending threatening letters to a dead person adding additional finance charges, late fees etc. Then Key Bank turned over the debt to XXXX XXXX XXXX. Upon receiving the notice from XXXX, I responded that the amount they were trying to collect was incorrect and there was no monies remaining in the estate ( at the time there was none, recently I was made aware that additional monies will be coming to the estate ). XXXX sent another letter address to me with a notarized document giving the appearance that the document came from XXXXXXXX XXXX Court of the State of New York - XXXX XXXX. This is a fake document as this is out of XXXX XXXX 's jurisdiction ; my mom died in XXXX XXXX. Additionally, I called XXXX XXXX  - XXXX XXXX and the representative I spoke to confirmed the file number XXXX referred to was not from XXXX XXXX, their numbers don't start like the numbers provided and the representative informed me that XXXX XXXX Court would not send anything out on behalf of a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Freedom Mortgage has not exited us out of Covid Forbearance plan for 8 months now. We have sent hundreds and hundreds of documents that they requested but still no modification or even correspondence to advice us on exit. Now trying to Actively foreclose on our loan.

*2 online applications deleted early on in process along with all documents. XXXX, XXXX and XX/XX/2021 * Multiple over night packages with all documents sent. 
* Multiple Emails sent to Loss mitigation department, with No response from any Loss Mit. Supervisor on the situation. 
* Phone calls to Freedom mortgage every couple of days to check status with no resolution or misinformation given.

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 2022-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: DE

Complaint narrative:
I received a notification on my credit report of a bill in collection from Professional Finance Company. I viewed the bill and knew it did not belong to me. I called the company and told them this was not my bill it was an error. I then made a dispute with XXXX to have it removed from my credit report on XX/XX/2022. I received a notice on XX/XX/2022 stating it would not be removed the company has satisfied proving it was my debt. I contacted the original creditors which is XXXX XXXX XXXX via phone they confirmed I do not have any outstanding debt. XXXX sent me a billing statement reflecting a XXXX balance. I also have electronic statements. stating a XXXX balance. This company is fraudulently reporting I have a debt of {$7900.00} from XXXX and XXXX is allowing them to report fraudulent information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX., XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$64000.00} Status 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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 have advised Equifax numerous times that inquires listed are fraud. They remove some but not all. All fraudulent inquiries need to be removed listed on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It all states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a XXXX payment on a credit card account under an open end consumer credit plan as late for at purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It all states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a 30.3K payment on a credit card account under an open end consumer credit plan as late for at purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Over the past XXXX I have contacted this credit bureau and disputed that a XXXX XXXX XXXX account that was reporting on my credit report was reporting inaccurately. They claim that they contacted XXXX XXXX XXXX and that they verified the information on my credit report as accurate and this was a lie. I contacted XXXX  XXXX XXXX and they informed me that this credit bureau never contacted them to verify my account information. These credit bureaus are evil and because of there false reporting I was not able to get a mortgage or get the funds needed to start my business. My lawyers are preparing to file a suit against this credit bureau for damages for each month that this credit bureau continues to report false information on my credit report. I am also send a copy of the letter that I got from XXXXXXXX XXXX XXXX to the Federal TRade Commision so that a fine can be levied against this credit bureau for false credit reporting. For over XXXX  months they reported that they contacted the creditor and that the creditor had verified the information and this was a XXXX XXXX. They are destroying people 's lives for what I don't know. 
I will also be sending all the credit reports received and the false reports from the false investigation that they claim they did but never did. This note is just to notify the CFPB what this credit bureau has done and to expect some documents from me for there illegal action and to levy a fee against them for there illegal actions. 
The CFPB needs to stop these credit bureaus from doing things like this. My attorney XXXX XXXX XXXX will be contacting this credit bureau shortly on behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Credit Profiles indicates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all Debt Collection Companies, placed collections on my Credit Reports. However, I did not provide any written consent at all, not to mention the inaccuracy in the first place. I disputed through all three credit reporting agencies ( Experian, XXXX, and XXXX ) and the response came back confirmed. This is impossible because I have no knowledge of these accounts. Unfortunately, I have been a victim of numerous data breaches, credit companies included. According to the Fair Credit Reporting Act ( FCRA ), the consumer must receive notification of debt and an opportunity to dispute the debt before being added to any credit profile I never received it because it is false. Additionally, I did not give explicit or written consent to any of the above mention companies and for that matter, neither have I have heard of nor ever conducted any business with them. Furthermore, through the Consumer Financial Protection Bureau, these business matters have not been resolved ; Additionally, under 15 US Code 1681b - Permissible purposes, this is to be considered as identity theft. As a result of these inaccuracies my credit score has been deeply impacted making me seem as if I am not credible. I am uncertain why these companies are attempting to collect this erroneous debt. Kindly delete the collection account from all three credit bureaus ( Experian, XXXX, and XXXX ). 
Please remove these inaccuracies from all three credit bureaus immediately. second and third party credit reporting agencies are owned by all three credit reporting agencies. I feel this is why I am not getting any results, because they are asking themselves if I am me. This is totally unfair and illegal.

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 2022-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I applied for a mortgage with TFSL & was pre-approved for a XXXX mortgage with 15 % down and no PMI. The rate provided was 3.75 % with an annual adjustable rate beginning year 6 with cap of 2 %. I locked in this rate and signed all documents and the " intent to proceed ''. I am under contract to purchase a condo. 

On XX/XX/13, I was notified by loan officer, XXXX XXXX, that the mortgage had been denied due a high debt-to-income ratio, which was over their 40 % limit. When I expressed confusion because my DTI was between 35-36 %, she said that because I was going with an ARM, the underwriters used the higher rate it might be 5 years from now ( 5.75 % ) to qualify me. Further, they disqualified me with an incorrect salary amount, then disqualified me a second time with the correct amount. 

Nowhere in any of the paperwork I signed, including the loan disclosure, was there any mention of not qualifying me at the locked-in rate of 3.75 %. I fully believe I was " disqualified '' because between the time of lock-in and underwriting, interest rates climbed substantially, the bank did not want to finance my loan at the cheap rate, and this ruse was the only way to disqualify me since I have a high credit score, literally no debt as my cards are paid off monthly, a 15 % downpayment and substantial liquid reserves. This is further supported by the bank not presenting ANY option to keep the 3.75 % rate, including putting down a higher down payment to bring down the DTI, which I have the funds to do. 

I turned down other then-competitive offers because TSFL offered a lower interest rate with no PMI, then disqualified me with a hidden interest rate I knew nothing about. TSFL 's opaque and deceptive practices have cost me real damages in time and, if this purchase deal now holds up through the financing delay they've caused, will now cost me substantial monthly costs due to rate increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

***ALL ACCOUNTS BELOW HAS VIOLATED MY RIGHTS*** CXXXX 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 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

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I was approved for COVID forebearance in XX/XX/XXXX. Despite the COVID forbearance program being extended into XXXX, XXXX is using the IBR recertification process to kick people like me out of the program and charge excessive fees. There is no where on the XXXX site to request remittance to the program. 

XXXX only allows borrowers to view messages sent from the company up to 2 years ago so all of the messages related to my COVID forbearance blocked to me. My income after expenses is XXXX per the most recent tax year. XXXX acknowledged receipt of my IBR certification and choose to continue increasing the amounts for Interest and Late Fees despite the XXXX relief forebearance. They have capitalized the interest several times over the past XXXX years inflating my balance by several XXXX dollars. 

Row Labels Sum of Fees Sum of Interest ADJUSTMENT XXXX XXXX CAPITALIZED XXXX XXXX XXXX LATE FEE XXXX XXXX PAYMENT XXXX XXXX Grand Total XXXX XXXX Their customer service agents pretend that COVID forbearance does not exist. They have increased the aggressiveness of their collections as well harassing family members. 

As a result of the continued delinquency report, my credit score has plummeted over XXXX points forcing other creditors to reduce my available credit further adding more stress. XXXX continued harassment has caused a measurable negative impact on my mental health which I have documented with my family doctor. My wife is immunocompromised who is now unable to work after the COVID pandemic significantly reducing my income.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Delete hard inquiries listed. 
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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing this complaint to remove information from my credit file. I just reviewed a copy of my Transunion credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} XXXX XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$64000.00} XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1900.00} XXXX XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$64000.00} 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