vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally dispute the debt you claim I owe under account number XXXX. Firstly, I never consented to have my non-public personal information shared with your company, which raises significant privacy concerns. Additionally, I have no prior business relationship with your company, making this alleged debt highly suspicious and questionable. 
Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am entitled to request and receive documentary evidence proving your legal right to collect this debt. Therefore, I demand that you provide comprehensive documentation, including the complete chain of title of the debt, the Errors and Omissions policy number, the original contract bearing my signature, and a detailed explanation of the reasonable procedures you used to conduct your investigation into this matter.

Furthermore, your initial communication identifying your company as debt collectors may also be a violation of the FDCPA ( 15 U.S.C. 1692e ), which prohibits false or misleading representations in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Carrington Mortgage Service, LLC notified us of a surplus in our escrow and sent us a {$7000.00} check. In the same letter they notified us that our payment was going up by $ XXXX - roughly {$2200.00} over 12-months. 

I call spoke to a customer service rep and ask if I could send back {$2200.00} of the surplus to keep my payment the same. ( Note, I own a number of properties and do this with all escrow increases. Also, my wife is a former bank examiner for the Federal Reserve ). The customer service rep confirmed the amount I should send in and gave the Escrow dept address. 

A check was mailed in for {$2200.00}. Today I receive the check back stating " Escrow surplus ''. And another letter saying my payment was still increasing. Called Carrington again and spoke with two representatives who said there system would not allow a payment and I had to pay the month increase even though I have a surplus.?

From my understanding, RESPA does not explicitly provide a right to pay off an increase in escrow to maintain the same monthly payment, but mortgage servicers often allow such payments as a customer service practice. How do I go about keeping my payment the same? Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I resided at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for a XXXX period while employed as an XXXX XXXX XXXX XXXX XXXX. Throughout my tenancy, I consistently fulfilled my rent obligations ahead of schedule without default. Unfortunately, upon the abrupt termination of my XXXX XXXX  in XXXXXXXX XXXX, I promptly notified the apartment management of my circumstances. To my surprise, I was informed that I had XXXX  days to vacate the premises due to my inability to maintain payment, citing it as a legal requirement. I was never informed of any lease-breaking fees associated with my situation. 

Subsequently, I vacated the apartment within the stipulated timeframe, only to receive a demand for payment months later. Despite my attempts to seek clarification from the management office, I received no response. Instead, I was contacted by a collection agency, which aggressively pursued payment, threatening adverse effects on my record and XXXX XXXX. Despite explaining the circumstances surrounding my departure, the collector remained obstinate and unyielding. 

Furthermore, the amount demanded, totaling {$4400.00} for XXXX months ' rent, is both inflated and dubious. Despite my efforts to dispute this unjust claim and rectify the situation, it persists as a blemish on my credit report. 

Given the protracted nature of this ordeal, I respectfully request your intervention in resolving this matter. Your assistance in addressing this unjust situation would be greatly appreciated. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NH

Complaint narrative:
Our monthly mortgage payment is {$3900.00} which is paid by check monthly. We were behind payments, and we called Rocket Mortgage to advise them payment was forthcoming. The agent requested payments be setup by ACH and I declined that offer on a recorded line and advised them payment would be made as we ususally do by check. In fact, payment of {$8300.00} on XX/XX/year> was processed by Rocket Mortgage. On XX/XX/year> Rocket Mortgage overdrafted our account by withdrawing {$8300.00} from a savings account. This would provide TWO MONTHS of mortgage payments ahead of what we paid. We, overdrafting us by over XXXX. We now have no money to feed our children, farm animals or pay any other bills. We were glibly told this would continue to occur by phone and that return of funds would take 5-7 days. Our kids can not wait 5-7 days to eat. We were current on our mortgage. This is egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
When looking for a used car to lease, I chose the cheapest car on the lot, thinking I can pay it off faster and my student loans wont affect the debt to income ratio much. Well XXXX became XXXX from Credit Acceptance after signing the loan to lease! Im about to hit a year in XXXX and Ive paid off XXXX of my XXXX ( I put a XXXX deposit. ) Its projected that I would pay XXXX XXXX XXXX at the end of the loan in 4.8 years! Thats insane!!

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 2024-06-18 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: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-06-18 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I submitted claims with the Discover Fraud Department in 2021 and provided all of the supporting documentation to ensure that Discover Bank would process the fraudulent amounts off of my account. However, they did not process the claims, nor did they attempt to process the claim. They simply denied the claim without due process or review. Multiple attempts to contact Discover went unanswered with no recourse. They closed my account and placed the account in collections despite the attempts to contact and provide the documents again. 

Discover proceeded to send me a tax statement showing that the charged-off amount was written off, however they refuse to remove the collections amount from my credit report as well. 

Additionally, Discover Bank refused to follow SCRA guidelines and Laws and make the proper adjustments to my accounts. 
I would like for discover bank to refund me all of the money owed to me with interest, provide all documents and adjustments needed to rectify the damage that has been caused to my credit. I would also like my Discover Credit Card Account privileges reinstated should I ever desire to apply with this company in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I submitted claims with the Delta American Express Fraud Department in XXXX, XXXX and provided all of the supporting documentation to ensure that Delta American Express would process the fraudulent amounts off of my account. However, they did not process the claims, nor did they attempt to process the claim. They simply denied the claim without due process or review. Multiple attempts to contact Delta American Express went unanswered with no recourse. They closed my account and placed the account in collections despite the attempts to contact and provide the documents again. 

XXXX proceeded to send me a tax statement showing that the charged-off amount was written off, however they refuse to remove the collections amount from my credit report as well. 

Additionally, Delta American Express refused to follow SCRA guidelines and Laws and make the proper adjustments to my accounts.

I would like for Delta American Express bank to refund me all of the money owed to me with interest, provide all documents and adjustments needed to rectify the damage that has been caused to my credit. I would also like my Delta American Express Credit Card Account privileges reinstated should I ever desire to apply with this company in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I recently received a copy of my XXXX credit report on XX/XX/year> and I noticed some late payments posted on my credit report in the amount of {$140.00}. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer report, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACE 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ) the term consumer report does note include - ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My equifax credit report has been frozen for at least a year, I attempted to get the freeze removed numerous times and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-06-18 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-06-18 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: TX

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-18 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: TX

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: TN

Complaint narrative:
The company uses predatory lending practices including inflexibility with setting up repayment dates : for example, at the time of applying for the loan, I was given no option other than bi-monthly or twice monthly pay periods, and they have refused to restructure loan repayment based on my ACTUAL pay period. The explanation as to what the " fixed finance charge, '' how it's billed your account, and how regular payments is applied to this finance charge is unclear and/or inaccurate. The company markets their product as a " less expensive '' personal loan for high risk customers, but their repayment structure and repayment schedule actually makes it much more expensive than what they promote to consumers.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: NC

Complaint narrative:
I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

Company response to consumer: Closed with explanation