vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
In accordance with the Fair Credt Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights! 

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-01-19 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 Credt Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights! 

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: IN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-01-19 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: TN

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. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-19 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: TN

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. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
On XX/XX/XXXX, I requested information from Freedom Mortgage regarding the criteria and information needed to cancel the escrow account on my mortgage. I recently had a XXXX to remove PMI that put the XXXX of the loan below 80 %. When I received the requested information from their Customer Care representatives, multiple times I was told that the XXXX of my loan was now below 80 %, that I met all criteria to cancel escrow on my account, and multiple reps confirmed that if I requested removal of escrow, it would be successful. 

I then spent significant time gathering the requested information and completing the forms to request cancellation of escrow based on the information provided to me by Freedom Mortgage representatives and submitted the request in XX/XX/XXXX. 

On XX/XX/XXXX, I received a document in the mail stating that my request was denied due to XXXX of the loan not meeting the required 80 %. I called the Customer Care center again and was transferred between multiple representatives who did not know how to help before I finally reached a representative who informed me that the XXXX could not be used for consideration of XXXX for removing escrow and that they would only use the purchase price for XXXX calculation. This directly contradicted the information provided to me by multiple representatives on previous calls and led to significant wasted time by me calling in, waiting on hold, and filling out forms all based on incorrect information provided to me by Freedom Mortgage.

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 2024-01-19 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am the victim of a phishing scam, which began on Friday, XX/XX/2023. I was led fraudulently to believe that I owed a merchant money but that I could repay the debt by purchasing American Express and XXXX gift cards. I realized that I was being scammed a day or so later. I tried unsuccessfully to block the use of the XXXX gift cards, but they had already been redeemed. I called American Express and successfully blocked access to XXXX gift cards worth a total of {$1400.00}. Realizing the next day that the scammers possession to all the pertinent numbers to all of the cards made them susceptible to his unblocking them, I called American Express again and requested replacement gift cards. A phone agent asked me to provide the serial number on the back of each of the cards in my possession ; I did so orally with him. He provided me an email address, XXXX, and a case number ( XXXX ), instructing me to send an email to this email address and to attach a pdf copy of the front and back of my drivers license. He did not ask for any additional information. He advised me that because of the number of cards I was asking to have replaced, the resolution of my case could take up to 30 days, a point stated in the acknowledgment email. When I called XXXX ( XXXX XXXX XXXX ) a little more than two weeks later for an update on my case, I was told that it remained unresolved. 

On Friday, XX/XX/XXXX, I called XXXX to learn how or whether my case had been resolved. I gave the agent my case number and number. After putting me on hold, the agent returned to the call and repeated the request of the agent who had opened my case 31 days before and taken my information : would I please email a pdf copy of the front and back of my drivers license. I told him I had already done so a month before. I asked to speak to someone in charge at American Express ; he transferred me to his supervisor, who required five attempts to take my name, address, phone number and email address. Finally, she said I would need to send copies of the front and back of all of the compromised cards in question plus the receipts. I asked ( rhetorically, in fact ) why I was being asked for this information now, at this point of the resolution process. Accepting as evident what I had suspected all along, especially given other consumers online comment about deceptive and fraudulent practices at American Express that my case was not being handled in good faith I terminated the call. American Express is attempting to take the place of the original phishing scammer, seeking to keep the {$1400.00} I had spent on American Express gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-19 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-19 00:00:00
Product: Mortgage — Conventional home 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: CA

Complaint narrative:
Hi : My prior complaint with the CFPB is XXXX. 
I've been able to get to & work with XXXX  people at both PHH 's Ombudsman & XXXX XXXX XXXX Escalations, Lost Mitigations Departments. 
The latest for me : submitted a loan mod, passed thru Underwriters, but denied by loan carrier. 

However, PHH is still not directly responding to my main complaint which is : PHH overseas reps repeatedly gave me THE WRONG INFO re : PHH policies during XXXX. 

PHH has never directly acknowledged their responsibility in my growing outstanding balance -- nor offered any make-good. 

Essentially, they're saying : " Oh, we gave you wrong info. But this is 100 % your problem. '' I call that corporate bullying. 

There must be someone at PHH who has the seniority to hear, comprehend, and do something to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TN

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-19 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: TN

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Braviant Holdings, LLC
State: AR

Complaint narrative:
I made a previous complaint about this company, and they are continuing to engage in XXXX making it impossible for me to negotiate my settlement. Im represented by national debt relief and they emailed me that I needed to give them a power of attorney, and they will not tell me any instructions on how to do that or supply me with a form for such and our threatening to proceed with their harassing collections if I do not provide a power of attorney, which I do not know how to provide and dont have. further, I have emailed them numerous times asking that they advise me on this an email and they will not do it and they also lied and said someone called me yesterday and would call me at the same time today and that did not happen. They have not given me a number to look out for and nobody has left any voicemail saying the representing Balance credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: TN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-01-19 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: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: ID

Complaint narrative:
Our mortgage was transferred to Roundpoint Mortgage/ payments beginning XX/XX/XXXX. 

When the mortgage was transferred there was a data leak and our savings account information was compromised and money was stolen. 

XXXX XXXX XXXXXXXX recovered the funds through fraud investigation. The savings account was deleted and a new one opened to protect the funds. 

I contacted Roundpoint numerous times to communicate they could not auto withdrawal the account explains the compromise and told them a new account was being established and we were going to set up biweekly payments. 

Roundpoint initiated withdrawal from the account despite being told the account was being deleted and stated we did not have sufficient funds and charged us a fee for returned check. No one from Roundpoint contacted us to inquire why they couldnt draw the payments. 

I sent the paperwork in to estsblish biweekky payments and was told it was all set up but the funds did not come out of the new account. 

I called and was told they could not establish till mortgage was paid 2 months in advance and they asked why we have missed a payment. 

I re explained the compromised account and that we were attempting to establish a new one for biweekly payments. The call taker refused to transfer me to a XXXX or XXXX. After being on hold numerous times I was told our fee had been waived under our 1 time forgiveness because Roundpoint was not the party who made the error. Roundpoint refuses to take responsibility for the data leak that compromised our savings account, attempted to withdrawal funds from a deleted account, and gave me false information about the establishment of our biweekly payments. We should not have to forfeit our 1 time forgiveness on an error made on their behalf. 

The call taker refused to transfer me to an XXXX or XXXX stating numerous time I could not talk to anyone else because there was no one else to talk to. 

Roundpoint says that all calls are recorded and I told her that I wanted the calls pulled and to speak to an XXXX that homeowners shouldnt be punished for these types of problems during a loan transfer. I was told that since my fee had been waived there was now no reason for me to speak to an administration. 

The biggest problem is the data leak. The company needs to be aware our information was compromised in the loan transfer. This is unacceptable treatment of a home owner. I have never missed a payment or been late on mortgage payments.

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 2024-01-19 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: TX

Complaint narrative:
I noticed in XX/XX/2023 that I was unable to access my Experian account. After password reset attempts, I discovered that Experian had an incorrect phone number that they were using for 2nd level authentication. In XX/XX/2023, I opened a case with Experian. For three months, I did not hear from Experian except when I emailed them and finally discovered they had closed my case. I again opened a case in XXXX and in XXXX, with no resolution, opened a case with the XXXX XXXX XXXX. After multiple emails ( all with a promise to resolve the problem ) I finally received a call on XX/XX/2023, asking for screen prints ( of screens previously emailed to Experian twice before ). I sent the information during the call and attempted to follow up with the person I received a call from. I called their personal office phone number and left multiple messages on her voicemail, as well as multiple emails - but no response was received. I have received emails from the XXXX where Experian is saying they have resolved the issue. Each time, I respond that I have not been contacted and that the problem still exists. I have also notified Experian that I am concerned my data has been compromised because the 2nd level verification phone number is incorrect, and I keep having to reset my password. Experian assures me my information is safe ; however, over the last few days, I have received three letters from three different companies that they believe my information has been compromised. Experian is refusing to respond to my requests, continues to attempt to close the XXXX case, and is refusing to correct the phone number which is allowing someone else to get into my file. Experian is refusing to safeguard my data and refusing to correct the access issues.

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