vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 00:00:00
Product: Mortgage — Conventional home 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: SERVICEMAC, LLC
State: OH

Complaint narrative:
In XXXX, XXXX sent mail/emails informing ServiceMac taking over the management of the mortgage as of XX/XX/XXXX. The first mail/emails included the new mortgage services, ServiceMac, the new address, and later on the new account number. The mortgage payment of {$1200.00} was initiated through XXXX on XX/XX/XXXX and an ACH withdrawal was posted on XX/XX/XXXX, performed by ServiceMac. Two weeks later, emails/mails began arriving stating there was a nonpayment of the mortgage. Several calls/emails to Customer Support were made by me throughout XX/XX/XXXX, XXXX, XXXX, XXXX, the last of which for XXXX was on XX/XX/XXXX, the call lasting XXXX XXXX mins. It was during this call, an incident was submitted by the customer service individual. A call was received by a supervisor on XX/XX/XXXX where all information was provided ( again - multiple submissions on the calls throughout XXXX ). A payment of {$1200.00} was submitted directly to the supervisor and posted from my XXXX account via an ACH Withdrawal. She stated a customer advocate would be assigned to help find the missing {$1200.00}. This individual called on XX/XX/XXXX. During which all information again was supplied - including copies of the XXXX XXXX from XX/XX/XXXX. I have attached a copy of the XXXX account ACH Withdrawal which has already been sent to ServiceMac four times!! No 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 explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I applied for a Citi XXXX card, principally because I had to make a large purchase in the following two weeks, and they were advertising a sign-up bonus in exchange for adding {$4000.00} to the account balance in the first two months. But they did not disclose an annual membership fee at sign-up. 

That card never arrived. Citi did however immediately begin sending me bills for the annual membership fee, and within a month, another additional {$40.00} late fee bill. 

On XX/XX/XXXX I called again to let them know the card had never arrived, and that I would be hugely inconvenienced if I did not have it on hand to make the large purchase for which I had signed up. The representative said they would send another one immediately, which also failed to arrive. 

I began to receive paper bills and automatic " this is an attempt to collect a debt '' calls. So on XX/XX/XXXX I called again, and explained I believed their marketing practices were illegal, that I would be unable to use the card and its promotional value, and that I needed to close the account and would file a complaint with XXXX. The representative offered to extend the promotion for six months, to cancel the late fee and the membership fee, and said Citi would call me back within a week to confirm. They also offered to overnight the new card to me. That card finally arrived, but I didn't activate it, waiting to hear back about the new promotional terms. But the debt collection calls related to a past due fee have also continued. 

So on XX/XX/XXXX I called again, and the representative said she had no record of another representative having extended a promotional offer or of offering to cancel the membership fee. I am still being billed for a membership fee for a card I never even activated. I assume this could negatively impact my credit, since I refuse to pay for a card I never even activated. The representatives kept me on the phone for over an hour, transferring me to different departments to try to convince me not to cancel my account, and I was unable to get them to cancel the {$95.00} membership fee or to close my account.

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 2023-11-20 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: FL

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-20 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: NY

Complaint narrative:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 
The accounts are as follows XXXX  XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$45.00} XXXX  XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance {$1900.00} Hard inquires XXXX  XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-11-20 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: NY

Complaint narrative:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 
The accounts are as follows XXXX  XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$45.00} XXXX  XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance {$1900.00} Hard inquires XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: TX

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of 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 2023-11-20 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: NJ

Complaint narrative:
Hello, I submitted a dispute on XX/XX/2023 for XXXX XXXX XXXX XXXX  that starts with Acct # XXXX and Account name XXXX XXXX XXXX XXXX Account number XXXX for inaccuracies and duplicate account reporting. Experian completed my dispute XXXX. Is that possible for a dispute to be resolved in 4 days? How can this these accounts have been reasonably investigated? Per Experian website and investigation takes 30 days. I am requested a method of verification to be provided with all supporting documents within 15 days as required by FCRA.

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 2023-11-20 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: Rocket Mortgage, LLC
State: SC

Complaint narrative:
My mother passed away from XXXX in XXXX. She had taken out a mortgage in XXXX of that year. The family was not informed until XXXX when The family care act was in force, served with foreclosure papers, when they were legally not supposed to until after the covid foreboding period. We went to court in XXXX of XXXX, the judge dismissed the foreclosure process due to the cares act being in force. I corresponded with the lawyer XXXX XXXX and they gave information so I could contact rocket mortgage company and try to work out something to keep my home. I inherited the home, moved in and is my current place of residence. Rocket mortgage conversed with me, refusing to give me information on my mother 's loan. I transferred the home and property to my name. I have been delivered foreclosure papers again on XX/XX/XXXX. Several injustices have been made against me. Federal law states that an heir can take over the loan without credit check and being of assignment of property rights in my name. Rocket mortgage company has not communicated with me at all since XXXX, regardless of my repeated request and attempts to get this matter resolved. I have also been wrongly treated because I was not informed of the interpretive rule, which is under mortgage company regulations for ethical practices. I have not received any monthly statements from them stating what payment was or willingness to help me with taking care of her mortgage. Rocket mortgage company stopped all communication from the moment they learned of her passing. I don't understand why they completely ignored the laws in place to help me, as an heir, to take over her loan and not communicating with me to help resolve this matter. All the communication I have received is being wrongfully served foreclosure during family cares act while covid was state emergency and now being served with foreclosure on XX/XX/XXXX. How can they do that with the way they have just cut off all communication. They never offered guidance or assistance with helping keep my home. I mean I have repeatedly tried to contact them regarding this and was told I couldn't get any information because of loan was in mother 's name. Now I know different because of the laws I have been reading regarding heir property and rights. Please let me know how we can stop this foreclosure process and get them to work with me on resuming loan in my name and set up a monthly payment schedule, which I have been denied to do previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: MI

Complaint narrative:
XX/XX/2023 I have a collection account reporting as open and with a past due amount.. XXXX XXXX XXXX ..collection 's are past due by default and should not be reporting as an open account 15 usc 1681e compliance procedures transunion fail to attend to this inaccurate information...

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-20 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: MO

Complaint narrative:
Hello, I checked my credit report and i saw unauthorized credit check inquiries that i have not given consent to. I am demanding that these inquiries be removed within 4 days because they are fraudulent. I am trying t establish relationships with banks but continue to be declined because of these items on m report. I have attached the fraudulent items to my letter and notified the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Im NOT disputing ownership of this loan! 
My dispute is to question WHY Shellpoint mortgage CHANGED information that was verified as accurate on my credit report for 14 months twice! It is an obvious attempt to corroborate inaccurate information with XXXX XXXX XXXX. I will provide documentation showing changes made on XX/XX/XXXX reflecting 3 payments made XXXX, XXXX & XX/XX/XXXX. The very next day XX/XX/XXXX, 3 payments show XXXX, XXXX & XXXX, XXXX! From XX/XX/XXXX when previously last reported, until XXXX XXXX this account shows verified as accurate with payments received in XXXX, XXXX, XXXX and XX/XX/XXXX! It IS very important information to me because I rely on ACCURATE credit reporting especially this account as its the only one ever reported late in over 30 years! I question why it was changed 14 months after transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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