vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
They have called, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 

On XX/XX/year> and XX/XX/year> they were rude and would not provide the company they were calling from. 

On XX/XX/year> and XX/XX/year> I spoke with an agent and they could not confirm my personal information, they provided me with an incorrect Date of Birth that does not belong to me or anyone in my family. 

I request proof of my personal information prior to proceeding paying for an item that did not have my correct information. Any doctors office, hospital or medical facility has you check and confirm your name and date of birth multiple time to confirm so how would this be inaccurate if it is my bill. 

Even when you try and pull the bill up online it asks for Date of Birth, there is nothing on file with my Date of Birth. 

As of currently XX/XX/year> I have received no documentation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
1. When my mortgage was originated in XXXX of XXXX, I was given the option to pay my insurance binder out of pocket, which I did. Come to find out, when my escrow reconciliation was completed in XXXX of XXXX, it came to my attention that the originating lender had collected for this at closing and held the amount the entire year. I was provided with no explanation other than a huge, atypical escrow reconciliation, but the reconciliation still required me to pay more per month- which made no sense. This resulted in the loss of the ability to use this money for any other purpose and caused me and my household financial distress, loss of interest income, among other harms. 

2. In XXXX of XXXX I requested an analysis of my loan account for the removal of PMI. After confusingly navigating the chatbot, having a human step into the chat, and providing me the purported channel to do so, I timely provided the email request along with a narrative of the substantial capital improvements I have conducted since acquisition. However, I then received a letter dated XX/XX/XXXX which stated : " The mortgage insurance is for the life of the loan and is part of the required payment amount. '' This letter made no sense to me since I premised closing this loan on removing the PMI after the house increased in value or my loan had been sufficiently paid for removal of PMI. If this is true, as the letter states, I would have simply put more money down or, more importantly, chosen a different loan product. Now I feel stuck with a product that was not explained to me prior to or at closing ( nor covered by am disclosure whatsoever ) and am requesting removal of PMI and/or monetary compensation to offset what I should no longer be paying.

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 2024-12-09 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: LA

Complaint narrative:
I am writing to formally inform you that I am a victim of a data breach, and as a result, unauthorized accounts and inquiries have been added to my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report, as they were opened or made without my consent : Accounts to be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries to be blocked : XXXX. XXXX  Date : XX/XX/XXXX XXXX. Advantage Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : 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 2024-12-09 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: MA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-09 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-09 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Richmond, Inc.
State: TX

Complaint narrative:
I called and went XXXX XXXX XXXX XXXX in XXXX  Louisiana they stated there's no record to be found under my personal information I described to them the letter that was received by the company and they stated that they're not affiliated with this company and they don't know who this company is

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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:
I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and inaccurate. I've reached out several times, and the inaction is damaging.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment Reporting Under FCRA 15 USC 1681e ( b ) To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit report, as it is inaccurate and unsupported. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of information included in consumer credit reports.

The late payment in question is as follows : 1. Account Name XXXX XXXX OF XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX, XXXX  XXXX. Account Name : XXXX Account Number : XXXX Date of Late Payment : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX  I have attached supporting documentation proving that this payment was made in a timely manner. Despite my diligence, XXXX limited payment options create undue challenges for customers like me. Their system does not allow for online payments, requiring me to take extra steps to pay my credit card and car loan, such as visiting in person or relying on outdated methods. 

Additionally, my work requires me to travel out of state frequently, and I am only home two days a weekdays when XXXX is closed. These barriers significantly hinder my ability to make payments conveniently and efficiently. Under the XXXXonsumer Financial Protection Bureaus guidelines for fair servicing practices, financial institutions are expected to provide reasonable and accessible payment options for consumers. Requiring in-person payments, without accommodating online or automated options, disproportionately burdens customers and contributes to avoidable inaccuracies like the one on my credit report. 

I formally request that Exeperian : Conduct a Thorough Investigation : Review the inaccurate late payment reporting, taking into account the supporting documentation and circumstances described.

Remove the Late Payment : Correct my credit report by removing the erroneous late payment entry.

Provide Written Confirmation : Send me a letter confirming the correction and include an updated copy of my credit report.

Please resolve this matter within the 30 days mandated by the FCRA. Failure to address this inaccuracy may result in further action to protect my rights under federal law. 

Thank you for your attention to this matter. 

Sincerely, 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
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are accounts on my credit report in pending litigation that should not be there, and despite multiple attempts to get them reviewed and removed, no action has been taken. This inaction is unacceptable.

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 2024-12-09 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX ACCOUNT opened on XX/XX/XXXX under account number XXXX in the amount of XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX in the amount of {$0.00}. XXXX XXXX XXXX under the account number XXXX in the amount of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$0.00} with account number XXXX. A Credit card account reporting with XXXX XXXX XXXX opened on XX/XX/XXXX under the account XXXX in the amount of {$930.00}. XXXX opened on XX/XX/XXXX in the amount of {$370.00} under account number XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account XXXX IN THE AMOUNT OF {$0.00}. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ON XX/XX/XXXX in the amount of {$950.00} with account XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported XXXX from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
inquiry from XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-09 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX ACCOUNT opened on XX/XX/XXXX under account number XXXX in the amount of XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX in the amount of {$0.00}. XXXX XXXX XXXX under the account number XXXX in the amount of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$0.00} with account number XXXX. A Credit card account reporting with XXXX XXXX XXXX opened on XX/XX/XXXX under the account XXXX in the amount of {$930.00}. XXXX opened on XX/XX/XXXX in the amount of {$370.00} under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account XXXX IN THE AMOUNT OF {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ON XX/XX/XXXX in the amount of {$950.00} with account XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
I have been eligible to have pmi removed from my loan since XXXX, but they keep giving me run around and never send me information. I keep getting brushed off and ignored... meanwhile, I am charged every month for pmi. They first always tell me that I don't qualify, then I have them transfer me to a supervisor, who tells me that it just takes time and is pending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
i have late payments back in 2021 due too being sick with XXXX XXXX. 
i have contacted company to have them removed under the cares act with no regard please help to remove these late payments off of credit.

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 2024-12-09 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Dovenmuehle Mortgage, Inc.
State: NV

Complaint narrative:
I was misled by my mortgage company DOVENMUEHLE that I had to be 3 months behind in mortgage payments in XXXXXXXX XXXX XXXX  to get assistance with lowering my mortgage payments I sent my application via mail in XX/XX/year>. I called the mortgage company and was informed they never received it, which put me behind for XXXX months. Finally, by the middle of XXXX, I asked if I could email them the application so I could begin tracking the application process. It is now XX/XX/year>, and I have been asked for excessive & redundant documentation. Until DOVENMUEHLE decided to try and foreclose on my property by NOT properly serving me notice via mail while leaving me under the impression that they were still working on my modification. 

As of XX/XX/XXXXXXXX XXXX XXXX XXXX I have sent a complete package of all up-to-date documents they have ever requested for a modification and I have received no response. The usual response time is XXXX hours or less via email but yet nothing. Please see the e-mail below I have sent DOVENMUEHLE along with the complete package.

Dear XXXX  PLEASE SEE THE ATTACHED COMPLETE LOAN MODIFICATION REQUEST. I'M HOPEFUL YOU WILL COMPLETE MY LOAN MODIFICATION REQUEST AS I HAVE BEEN PLACED IN FORECLOSURE BY YOUR COMPANY WITH A NOTICE OF ONLY HAVING 33 DAYS LEFT BEFORE YOU GUYS TRY AND TAKE ME HOME FROM ME. I'M REQUESTING THAT YOU PUT MY FILE ON HOLD AS YOU WORK TO COMPLETE MY LOAN MODIFICATION OR ANY OTHER ARRANGEMENT YOU CAN OFFER ME TO HELP GET MY MORTGAGE BACK ON TRACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Sombrero Capital LLC
State: FL

Complaint narrative:
On this year XXXX and last year XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX partnered with Covey Financial to service their mortgage loans as a third party vendor. ThIS TOOK place after new management came after XXXX and I signed a deed in XXXX and never signed anything or authorized anything with XXXX since XXXX after amending and changing the policy at XXXX was just thrown into to partnerships with third party vendors without proper notice as homeowners ethically or legally giving us the right to make decisions bout our rights as partnerships and homeownership. Im asking for help. My home was damaged during a hurricane and Im being forced to sign over claim checks for my property I never authorized that my mortgage company partners with.

Company response to consumer: Closed with explanation