vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I had a {$27000.00} debt placed on my credit report by the XXXX XXXX located in XXXX Tx back in XXXX  it should not of been placed because i have supporting documents from court judgement stating i owed a XXXX balance so i already had this removed from my credit report but the incident caused me to be homeless for several months and when i did find another place it resorted in me having to pay a {$5500.00} deposit and also 6 months ' rent upfront due to me being high risk for owing such a high amount of money to an apartment complex so i am asking that the management company reimburse the money back to me for their negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Mr Cooper purchase my Loan from XXXX XXXX in XXXX of XXXX. 

Back on or around XX/XX/XXXX, I received notice that My Escrow was short and my payments were going up from {$1200.00} a month, to {$1400.00} a month. My Insurance did go up {$400.00} and my Taxes did go up almost {$700.00}, Both annually, I also had a small shortage of {$420.00}. So my total escrow shortage for this upcoming year would have to be paid back ( Around {$1500.00} ), which is more than consumed by the {$2700.00} increase

in Escrow. I was the notified that my Escrow would increase again another {$70.00}, then again at another
{$300.00}. They are wanting to pull almost {$900.00} in Escrow a month. That's roughly {$10000.00} in Escrow for a tax and insurance bill of {$5500.00}. I am on fixed income due to a XXXX and I will lose my home. 

Every time I talk to them, I get rude customer service, disconnected, or get different sets of numbers, projections and payments. My Mortgage payments have changed from anywhere from $ XXXX {$2300.00} a month. They change their story every time. I have several spreadsheets from them that under value my Escrow on each sheet by hundreds. Which is throwing off the amounts. The reason that I am using " rough '' numbers, is because as I mentioned, they give me different numbers and excuses every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor 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 also states a consumer reporting agency can not furnish a account without my written instructions.

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

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXXXXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor 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 also states a consumer reporting agency can not furnish a account without my written instructions.

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

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
I recently pulled my reports and noticed a company by the name U S AUTO CREDIT is reporting incorrect information on my credit profile. The alleged debt is being reported by XXXX as " Closed '' but by XXXX as " paid on time '' how is a closed account being paid on time? Both can not be true, Because the payment history being reported by XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There was an account open in my name from XXXX XXXX in XXXX Texas. I have never been in Texas or lived in Texas. I filed a dispute with the company and with experian. Experians results say that it's going to remain on my credit till XXXX. 
I've lived and worked in Tennessee for atleast 4 years. I don't understand how this fraudulent account is going to stay on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ATG Credit, LLC
State: GA

Complaint narrative:
This is not a good response. There is no delinquency. I do not have a contract to do business with ATG, I never had a balance with XXXX XXXX XXXX. Can you provide where XXXX even sold my account to them? No, you can't because I never had a balance. If you think this information is accurate, please provide me all contracts and bill of sale between XXXX and ATG so that this can be provided to my legal team. If this can not be provided, this needs to be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor 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 also states a consumer reporting agency can not furnish a account without my written instructions.

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

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor 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 also states a consumer reporting agency can not furnish a account without my written instructions.

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

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
After checking putting in appliacation for loans and credit I was denied due to the incorrect information place on my XXXX XXXX credit report and XXXX reports. The file is reporting my name wrong XXXX XXXX and the incorrect amount a XXXX dollars in student debts with its incorrecte before my loans were sold its was reporting XXXX this has caused my a great deal of XXXX  which had caused my health to XXXX, I have had to go on XXXX XXXX XXXX  and have had XXXX XXXX  XXXX  this has ruined my personal reputation I am unable to get employment worthy of my education due to my high low credit score due to this Loan issue. and

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is not a good response. There is no delinquency. I do not have a contract to do business with XXXX, I never had a balance with XXXX XXXX XXXX. Can you provide where XXXX even sold my account to them? No, you can't because I never had a balance. If you think this information is accurate, please provide me all contracts and bill of sale between XXXX and XXXX so that this can be provided to my legal team. If this can not be provided, this needs to be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX out of XXXX  XXXX, XXXX took photographs of our department and individuals pre-paid for portraits and yearbooks. I purchased a yearbook on XX/XX/XXXX in the amount of {$52.00} that was charged to my Citi Visa card. 

I along with several others have contacted XXXX and they continue to change the date as to when we will receive the books. I filed a dispute with my credit card company and they said they would issue me the credit, but now state that the charge is more than 6 months old and they can not help. 

I called XXXX once again on XX/XX/XXXX and requested a refund. I was told that they would call me back by Wednesday, XX/XX/XXXX and I still have not heard from anyone.

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 monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Additional information for current complaint # XXXX I'm in communication with XXXX XXXX from PNC Executive Client Relations. 

I have concerning issue with my mortgage payments and the lack of response from her. 

Since my last email to her, I have not received any communication or assistance from her, and it appears that my concerns have not been addressed. I have proof of payment showing that I have diligently paid PNC for my mortgage obligations. However, it seems that PNC is not applying these payments correctly or conducting proper research on the matter. 

Recently, I received a check from PNC for {$180.00}, claiming that it is insufficient to cover my mortgage payments. This is deeply concerning, as I have made payments for both XXXX and XXXX, which are documented and attached to this second complaint. 

I urge PNC to rectify this situation immediately. Failure to do so will leave me with no choice but to pursue legal action to ensure that my payments are properly acknowledged and accounted for. 

I kindly request their immediate attention to this matter and a swift resolution. Please contact me at your earliest convenience to discuss further steps to resolve this issue. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Ive called several times unable to get anyone to simply cancel my account they have caused overdraft issues as they continue to try to take a monthly fee in which I want to cancel. I am under no obligation to keep this membership!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . 

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ]. 

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as 3 days ] from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA.

account-Nationstar Mortgage LLC Update status on dates followed to current status/paid as agreed. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: MD

Complaint narrative:
Ive disputed inquiries that are clearly fraudulent I sent in the necessary documentation that I was asked to send in and still nothing. Ive purchased a vehicle back in XXXX of 2023 someone is trying to purchase another one now equifax is the only credit bureau that refuses to remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On friday XXXX I got my check deposit and since then is on hold need to pay bills and food try to call the law firm that put on hold the account no answer and didnt received any documents of this garnished try to get help to release some money to get some food and pay some bills before I get late payments and need money at this time.

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