vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Freedom Mortgage Corporation changed the physical address for my property ( without my consent ) to an invalid address. This is now the FOURTH time Freedom Mortgage has erroneously changed our home physical ( situs ) address. This problem occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now again in XX/XX/XXXX. The CORRECT address ( mailing and legal / physical ) is XXXX XXXX XXXX, XXXX XXXX CO XXXX. Freedom Mortgage has been provided a letter from the XXXX County CO address manager confirming the correct address and still refuses to take permanent corrective action ( s ). Most recently I've spoken with " XXXX '' ( employee XXXX ) at who was unable/ unwilling to make this correction. I'm going immediately to a CFPB complaint because through the past three incidents no one at Freedom Mortgage ever - EVER resolved this through phone calls and portal messaging. I want Freedom Mortgage to ( 1 ) FIX this problem and ( 2 ) explain to me what steps are being taken to ensure this will not happen again. I'm attaching a screen shot taken today ( XXXX XX/XX/XXXX ) showing the invalid address ( XXXX, CO XXXX ) from my account summary page.

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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
I moved out of an apartment building in XXXX of 2021. My last communication with them was an inquiry about when I will find out if there are damages to the apartment that I am responsible for. I never heard from them again. I still to this day have received XXXX contact or notice of a debt. The only reason I know about it is because it showed up on my credit report that I was sent to collections. No one has contacted me, prior to getting sent to collections or after.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: CA

Complaint narrative:
The company has regularly violated Federal law by conducting background checks that go back farther than XXXX to 10 years. As a result my current background check requested by XXXX has been delayed. I have attached proof of said allegation. I lived in the XXXX XXXX Georgia and Maine in the late XXXX 's and XXXX 's. Also the company just cleared me to work for XXXX in XXXX of XXXX, at which time the report was completed in XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Ive been trying to keep up but the interest rates Ill never catch up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
RE : XXXX ( XXXX ) XXXX XXXX : XX/XX/1947 SS # : XXXX FOR SEVERAL YEARS MY CREDIT SCORE HAS BEEN AROUND XXXX. MOST RECENTLY MY CREDIT SCORE DROPPED SIGNIFICANTLY.

AS FOR MY FINANCIALLY STATUS I HAVE NEVER BEEN BETTER. MY OBLIGATION ARE ZERO, MY INCOME AND EXPENSES ARE CONSISTENTLY.

HOWEVER, I HAVE TWO COLLECTION ISSUES, ACTUALLY BOTH ARE A RESULT OF MY EFFORT OBTAINING CELL PHONE SERVICE AND FAILING IN BOTH CASES. 

I FIRST TRIED XXXX. I WAS ON MY DAUGHTER XXXX PLAN. AT XXXX XXXX XXXX AND MY WIFE OF 64 YEARS PASSING AWAY, MY DAUGHTER AND I FIGURED I SHOULD HAVE MY OWN ACCOUNT. XXXX WAS UNABLE TO OPEN AN ACCOUNT. XXXX HAD A GLITCH IN THEIR SYSTEM THAT WOULD NOT ALLOW ME TO USE MY SAME PHONE NUMBER. WE TRIED FOR 3 DAYS, THE STORE MANAGER APOLOGIZED. DID NOT USE 1-NO PHONE CALL. NO JUSTIFCATION FOR A CHARGE. A XXXX AGENT ACKNOWLEDGED AND TOLD ME IT WILL BE CARED FOR. 

THEN I WENT TO XFINITY. THAT WAS NOT A GOOD EXPERIENCE. I GAVE UP ON XXXX WITHIN THE FIRST HOUR. DID NOT USE 1-MINUTE OF PHONE SERVICE. 

I FINALLY GOT SERVICE FROM TEAM MOBILE. KEEP MY PHONE NUMBER AND GOT IT FOR LESS MONEY. 

I RESPECTULLY REQUEST THAT THE CREDIT BUREAU ACKNOWLEDGE MY SITUATION AND ADJUST MY CREDIT SCORE TO WHERE IT SHOULD BE.

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 2023-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I need my car I just started back working but I need my payments to be lowered right now abd the interest is killing me. I cant even afford to maintain the car right now. Anything helps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
They keep going after me i tried disputing this debt and is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio FROM PORTFOLIO RECOVERY ASSOCIATES LLC IS NOT MY ACCOUNT I ASKED THEM TO DISPUITE IT A YEAR AGO THEY IGNORE ME I ASKED THEM TO SHOW ME MY SIGNATURE THEY DIDNT REPLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Im going through the process of a divorce. Me and our minor children still lives at the home, children father XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Im a co-owner of the property and co-borrower of the property, when I request copy of the statement for state assistance my XXXX husband put a pin on the mortgage account blocking me from doing anything like getting state assistance to help pay back unpaid XXXX debt against the home. Speaking to shellpoint informing them and having an attorney providing documents but no response from them as of today. 

Because of this pin on the account my state application is on hold,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Bright Capital Inc
State: FL

Complaint narrative:
I used Bright Builder on the Bright Money app, intended to take $ XXXX monthly from my account and report it to the credit bureau. The {$10.00} was only charged once and never reported. I was then charged XXXX for a membership that I did not sign up for which is stealing. Now there are many micro transactions happening daily in the amounts of XXXX cents, XXXX cents, XXXX cents, etc. for another service that I didnt sign up for, which is also considered stealing. I contacted them through their in app help line and was told these transactions would stop yet they continue ( stealing yet again ) and my account has even overdrafted. This company is clearly a scam and needs to be treated as such

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: NY

Complaint narrative:
I found accounts on my report that don't belong 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 explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: TX

Complaint narrative:
XXXX is allowing the following six companies to report continues inquiries within my consumer report : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, flagship credit acceptance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies can not provide me with any signed documentation to support these false inquiries, I have provided my ftc report and other supporting documentation informing these companies these inquiries are a result of identity theft.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Foursight Holding LLC
State: TX

Complaint narrative:
XXXX is allowing the following six companies to report continues inquiries within my consumer report : XXXX XXXX, XXXX XXXX XXXX Foursight capital llc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies can not provide me with any signed documentation to support these false inquiries, I have provided my ftc report and other supporting documentation informing these companies these inquiries are a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
The Bank of America hasn't been able to properly investigate the fraud transaction in my checking account. The amount of {$5300.00} has been electronically and unauthorizedly transferred to the XXXX XXXX bill payment service to the unknown party ( a suspect responsible in transferring fund ). 

Bank of America didn't notify or alert me when the transfer happened because the amount was too large compared to my regular transactions. The associate that I spoke with the very next day didn't handle the situation correctly as I figured lately that he could have triggered the 'stop payment ' feature when I confirmed that I didn't authorize it. 

It was already too late after the payment was proceeded and paid to handle the situation correctly. 

I have attached the copy of my login history, where it clearly shows the login device was traced to XXXX, Texas when the payment was proceeded. As I have been here in Virginia the whole time. You can also see that I have been logged into XXXX, Virginia the other times. 

Bank of America is aware that I have been robbed but they wouldn't want to pay much attention because they think they have to pay from their pocket.

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 2023-11-02 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: NJ

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




Closed Accounts : XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

1

5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
On XX/XX/2023 JPMCB CARD made unauthorized hard inquiry to my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 2023-11-03 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : XXXX, TransUnion, XXXX and All Third Party Credit Reporting companies/subsidies. 

These companies are in violation of FAIR DEBT COLLECTION PRACTICES ACT. 
I have requested a fair and thorough investigation into inaccurate information that is and has been reporting on my Consumer Credit Reports for a long time. These violation carry penalty and i plan to seek Monetary damages. 

I am filing this complaint in addition to filing them with the companies in question. After waiting for the disputes processes to be completed. The companies failed to remove information that was inaccurate and caused financial and unfair deceptive business practices take place. I take my credit very seriously and hope to hear back ASAP.

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 2023-11-02 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: GA

Complaint narrative:
RE : XXXX, XXXX, EQUIFAX and All Third Party Credit Reporting companies/subsidies. 

These companies are in violation of FAIR DEBT COLLECTION PRACTICES ACT. 
I have requested a fair and thorough investigation into inaccurate information that is and has been reporting on my Consumer Credit Reports for a long time. These violation carry penalty and i plan to seek Monetary damages.

I am filing this complaint in addition to filing them with the companies in question. After waiting for the disputes processes to be completed. The companies failed to remove information that was inaccurate and caused financial and unfair deceptive business practices take place. I take my credit very seriously and hope to hear back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Account name XXXXXXXX XXXX account # XXXX has violated my right This been paid in full and put XXXX late payments on my credit report. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

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 2023-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
on XX/XX/XXXX, i paid {$280.00} for my payment due on XX/XX/XXXX. On XX/XX/XXXX i saw on the BMO app that they had double billed me. I called the customer service number and spoke to someone who assured me that after the XXXX days they required they would see the extra charge and it would be returned. however on the XXXX my bank account was overdrawn due to the double charge. i again called BMO the first call was disconnected after XXXX minutes of waiting on hold for an answer the second call I was told that they could not return my money due to the fact that it was an " auto deduct '' which it was not my payments are scheduled for the XXXX not the XXXX. after several more minutes I was told that the best she could do was apply the extra payment to XX/XX/XXXX and I said fine but XXXX require that in would not have another payment due till XXXX, I said fine but i require that in writing, i was refused, I argued and was then told I would receive a letter by E-Mail shortly. it never came. Now when I look the BMO app it shows the initial payment was taken for XXXX and the stolen payment came off my principal wholly. this tells me that they never had any intention of crediting my XXXX bill and will simply auto-deduct from my account on 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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i am a victim of identity theft please see my documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FC HoldCo LLC
State: MD

Complaint narrative:
XXXX is report inaccurate car payment balance that has been paid off about XXXX XXXX now balance of {$2200.00} still reporting incorrectly

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 2023-11-02 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
I will add dated information to the attached document section letter of dispute. I have filed with the FTC and Experian sent me a stall letter after disputing these accounts. I have called everyone I have did disputes does not seem anyone will assist

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