vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the 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 non-monetary relief
Consumer complaint received 2024-03-08 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: NY

Complaint narrative:
Previous address indicated on my credit report is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I applied for a loan modification with Truist Bank on XX/XX/2024 and received a verbal denial on XX/XX/2024 over the phone. I requested that I receive a denial letter in writing along with the reason stating why I was denied. I have yet to receive the written denial. During the month of XX/XX/, I requested from Truist my monthly mortgage statements, reinstatement amount and what I owed in full on the loan. Truist told me I needed to contact their attorneys to request this information. I voiced my concern that I did not want to speak with their attorneys because I didn't want them to bill Truist for speaking with me and then the Bank pass the fees along to me, adding more monies to what I already owed on my loan balance. After going back and forth with them, a XXXX finally assured me that was not the case and the attorneys would not bill for speaking with me. I finally called the attorneys on XX/XX/XXXX  asking them to send me the reinstatement amount and what I owed in full as well as my mortgage statements. The attorney responded that they could send me the reinstatement amount and what was owed in full, but not my mortgage statements. He told me that is something Truist would need to send me. He stated that he would speak with Truist about my mortgage statements. I have yet to receive my mortgage statements. I need the mortgage statements in order to apply for asstance so I can reinstatement my loan.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
First off I just want to say this is THE WORST company I ever dealt with on a credit card! NONE of their representative know what they are talking about. 
My account was placed in deferment due to financial hardship. I was clearly told in writing that in XX/XX/2023 my next payment will be XX/XX/2023. 
I started getting late notice in the beginning of XXXX and I had contacted the bank dozens of times.

E

ach time it would be a totally different answer from the next and NONE of them know what they were talking about. They manage to report my XX/XX/2023 payment as XXXX  day late when I didn't have a payment due till XX/XX/2023. 
I have spent months now asking them to get an executive office to reach out who has knowledge and authority to speak to me with XXXX  success. 
I tried the same route of chatting them and same thing not now person is knowledgeable enough and try to tell me I was late when it was CLEAR AS DAY IN WRITING I didn't have payment due till XX/XX/2023. NO ONE has reached out to me to help and I told them I will not pay until this mistake is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: GA

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 XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 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 2024-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Initial complaint XXXXPHH responded citing I was not eligible for a deferment or a COVID 19 forbearance plan per investors guidelines and based on the Financial Evaluation. PHH proposed increasing my interest rate from XXXX XXXX to XXXX XXXX loan terms, loan payment, and extending the maturity date 5 years for approximately {$23000.00} balance is obserd. During the forbearance I was not able to make ANY payments to reduce the outstanding balance-I called multiple times and the PHH representative could not take any partial payments during the forbearance. The denial was also based on " household income ''. My spouse 's income was not considered or requested during this process. My husband is not on the loan but my husband contributes to the household which waws not considered on the application-the application asked for household expenses which I included my husband expenses- ( car loan, credit card, utility bills ). I feel I do not have any option or I will face foreclosure if I don't agree with the terms which will extend my financial hardship for the life of the loan. I worked very hard to secure the XXXX XXXX interest rate and to have it increase to XXXX XXXX as the only option is egregious. 

I am currently employed full-time and is not experiencing long-term hardship noted in the correspondence from PHH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: MD

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-03-08 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: MD

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-03-08 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: GA

Complaint narrative:
I am writing to dispute an unauthorized inquiry on my credit report. I recently reviewed my credit report and discovered an inquiry that I did not authorize or recognize. This unauthorized inquiry has negatively impacted my credit score and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: MO

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was, never late for. The 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 accounts that i have included screenshot insde this complaint in on dates of 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 immediately to paid as agreed on time as they shold be due to the fact i was never late or deletion of account immediately within 5 business days. Thank you so much for your time.Please see screenshot attached :

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 2024-03-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2024, my husband and I booked a room through XXXX, for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Upon arrival, my credit card was charged {$220.00} by the hotel for one night 's stay. We were given a key and told to go across the street to their " other property '' for our room. 

When we opened the door, we attempted to switch on the light. The light switch ( see enclosed photos ) sparked. With the light on we noticed the abject filth and bad condition of the room. I pulled back the cover on the bed and the sheets were dirty and looked like there was blood on the sheets. The floors were filthy, and the toilet lid was up with XXXX in the toilet. 

We immediately went back to the desk clerk and asked for a refund. He lied to us by saying that we needed to deal with XXXX for a refund/cancellation, and that he couldn't help us, because it was a " third party '' transaction. I then called XXXX and they informed me that since the hotel clerk charged us directly, he would have to refund and cancel the hotel room and it no longer had anything to do with XXXX. I went back to the clerk to inform him of what XXXX told me and to cancel my hotel and get a refund. He locked the office door and waved us away. 

The room was inhabitable, and we were forced to sleep in our vehicle. I took pictures of the room to document its horrible condition. ( see attached photos ) The next step was to dispute the charge with my credit card company : Chase Bank. I attempted to submit a complaint online and was referred to call XXXX. I spoke to a representative who told me that I needed to go into a branch to file the dispute. Which I did. I spoke to XXXX XXXX, an associate banker at the XXXX XXXX XXXX. ( see card attached ). He filed a claim for me and the next day it was denied after Chase contacted the merchant, based on an erroneous dispute : " incorrect billing '' which had ABSOLUTELY NOTHING to do with the nature of MY claim : " filthy hotel room. '' I don't believe that Chase bothered to read my letter of complaint and for whatever reason assumed it had something to do with a billing issue. I was more than clear on my dispute documents and feel they should have looked at the case more carefully. 

I attempted to call the above XXXX number to appeal the complaint and was told that once a decision is made it can not be appealed ; despite their negligence and incompetence. I don't think this is fair and as being an excellent customer for many years, they should have given my case the opportunity to be resolved justly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Formal Presentment of On Demand Promissory Note for Processing This information was sent to XXXX ( XXXX ) XXXX XXXX, Relationship Manager Business Banking on XXXX XXXX I trust this communication finds you in good standing. I, XXXX XXXX, herein referred to as the " XXXX, '' am writing to formally present a negotiable instrument, specifically a promissory note, for processing at Bank of America, The particulars of the promissory note are delineated as follows : Principal Amount : {>= $1,000,000} ( XXXX XXXX Dollars ) Date of Instrument : XX/XX/year> Scheduled Payments : {$2000.00} ( XXXX XXXX Dollars ) per installment Enclosed herewith, I submit a true and accurate duplicate of the promissory note, accompanied by all requisite ancillary documentation. 
It is crucial to underscore that this promissory note is presented in strict accordance with the statutory framework outlined in the California XXXX XXXX XXXX  ( XXXX  ), notably governed by Article 3. The instrument meticulously adheres to all essential requisites for negotiability as prescribed by California law, including but not limited to its tangible manifestation in writing, explicit articulation of a promise to pay, and the authentication of the XXXX 's signature. 
Furthermore, due diligence has been exercised in ensuring compliance with California 's usury laws, as articulated

in the pertinent sections of the California Civil Code, specifically Sections 1916-1 and ensuing provisions. Additionally, adherence to relevant provisions of the Federal Reserve Act, namely sections 18 ( 6 ) & 16 ( 1 ) ( 2 ) ( 4 ), has been diligently observed. Should any supplementary documentation or information be necessitated by the esteemed institution to facilitate the expeditious processing of the promissory note, I affirm my
unwavering commitment to furnish such documentation forthwith. 

Thank you profoundly for your attentive consideration of this submission. An expeditious and compliant processing of the promissory note is eagerly anticipated. 
Respectfully submitted, 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 2024-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: AR

Complaint narrative:
XXXX XXXX account current when closed at my instruction in XXXX XXXX. Final bill held due to unexplained additional charges. XXXX XXXX agreed to pay incorrect bill by end of XX/XX/XXXX. Collection agency falsely claims account was closed for non-payment in XX/XX/XXXX and placed for collection. Account was not " collection '' ; payment was scheduled. Attempts to damage my credit rating are fraudulent and arbitrary, done only to cause me injury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Alorica Inc.
State: GA

Complaint narrative:
I was having issues paying and I advised them multiple times and they would not help then when I defaulted they closed the account and I lost my loan amount and am now having to pay it back in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I work for a federally qualified community health care organization and because of that I get the opportunity to apply for grants given by the government to pay off my student loans I submitted a document that needed to be completed by Aidvantage about my student loan and it needs to be sent back to me so that I can submit it for evaluation and be able to receive this grant ( XXXX ) that will go straight to my student loan. I submitted this form to Aidvantage on Friday XX/XX/2024 and called them to ensure they can speed up the process as the application for the grant has a deadline they told they will escalate the process, I called again on Monday to ensured it was done nothing and I called again today XX/XX/XXXX and I was told they will escalate the process every time I called they lie I just want to pay my student loan and I am not asking for anything that does not belong to me it is my student loan my information I have the right to have that stated on a document. 
Please help thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are reports of a mortgage with Equifax Mortgage Services on XX/XX/2022 and XX/XX/2022. I have never requested any mortgage service because I already own my home. This was not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am Owed {$1000.00} in Statutory damages for each file that was incorrect in credit file. I have disputed these issues for a full 12 months and even while they have been removed. Compensation was never given for errors

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 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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