vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-04 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: IL

Complaint narrative:
The company is reporting this information on my credit report. 
Stating that I owe this debt. 
Which is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: PLANET HOME LENDING, LLC
State: VA

Complaint narrative:
Planet Home Mortgage apparently bought my VA mortgage from XXXXXXXX XXXX in XXXX. They are stating they converted this loan into a conventional loan without my signature or closing. 

Attached are closing documents for ( XXXX ) Documents clearly state VA mortgage. 
Loan ID # XXXX MIC # XXXX In XXXX, I did a VA loan modification with XXXX XXXX 
Attached are the documents. 

Principal and Interest : {$1300.00} Estimated Escrow : {$330.00} Interest Rate : 3.250 % In order to solidify the loan modification, I had to make 3 consecutive payments of the new loan modification agreement, which I did. ( See checks attached ). 

I have been in contact with the VA several times and the adamantly state Planet Home nor any other mortgage company can change the status of the loan from VA to conventional on their own without consent. 

They are trying to raise my monthly payment from {$1600.00} ( agreed in loan modification ) to a conventional rate of {$2700.00}. Again the VA stated this is preposterous and can not be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: GA

Complaint narrative:
I mailed out letters on XX/XX/XXXX to Experian, XXXX, and XXXX However its been over 30 days and the credit bureau failed to send investigation back. I received a stall letter on XX/XX/XXXX from XXXX and XXXX no further information regarding credit investigation. Failure to response letter mailed out to all bureaus XX/XX/XXXX. This investigation has been going on for months well beyond the 30 days. This is not right and violates my rights.

According to the law 15 U.S Code 1681i-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-09-04 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am the borrower on a Conventional loan that started in XXXX. The original purchase price was {$320000.00}. I have been paying PMI for more than 17 years. 

Per the consumer protection act PMI should have automatically stopped when the loan balance was 80 % of the original purchase price. 

Bank of America failed to acknowledge that surely after 10 years ( in XXXX ) the loan balance was less than 80 %. 

When I spoke to Bank of America they disagreed with me and took a stand they what they did by collecting PMI on a loan for more than 15 years was proper. 

There is no way a borrower should be paying PMI for over 15 years. 

Bank of Americas policies to collect PMI are unfair to borrowers and similar to government having people pay on student loans for 20 or more years.

This standard of not removing PMI once LTV is 80 % of the original purchase price is predatory and should be illegal. 

Bank of America sent me some documents to support their decision. However they failed to send the documents from their Escrow department dated prior to XXXX that show that mortgage was eligible for PMI removal a long time ago. This is dishonest and unfair to borrowers. 

Laws need to be changed so borrowers are not paying PMI way pass the point of that 80 % LTV point. 

Lenders should not be profiting off of collecting PMI for 10 to 20 years.

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 2023-09-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Freedom Mortgage refinanced my VA loan in 2019 as a VA loan. 

Loan ID # XXXX MIC # XXXX Closing XXXX This form is a statement of final loan terms and closing costs. 
Closing Information Date Issued XX/XX/2019 Closing Date XX/XX/2019 Disbursement Date XX/XX/2019 Settlement Agent XXXX XXXX XXXX, XXXX File # XXXX Property XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Estimated Prop. Value {$400000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX Lender XXXX XXXX XXXX Loan Information Loan Term 30 years Purpose Refinance Product Fixed Rate Loan Type Conventional FHA VA Loan ID # XXXX MIC # XXXX The issue is the VA stated Freedom never reported this loan as a VA loan 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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: MA

Complaint narrative:
There are a number of hard inquiry on my credit report that I did not authorize, would like them to be removed. 

XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-04 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Ive been a victim of identity theft since XXXX along with the XXXX data breach and an another breach leaking all my info including bank accts social and logins. Due to all of this i now have accounts on my report from discover, care credit, synchrony PayPal, Amazon, tjx, another discover, a utility, and XXXX accounts opened but closed by creditor right away. I hsve over XXXX inquiries, my name on my reports has XXXX different spellings. XXXX XXXX sent multiple emails dated back to XXXX declining some transactions and alllwimg some. Ive attached photos. They then credited me back for all of it. XXXX and all the accounts opened without my knowledge are not helping. Ive filed XXXX police reports XXXX ftc reports, closed my account with XXXX XXXX but all the accounts in both ftc identity theft reports are not mine. This is affecting my life. I have disputed them 3 times with proof. They even used my bank accounts to pay on open accounts. XXXX did conclude it was fraud and reimburse me but the creditors have sent some to charge off including late payments and none of this is mine.

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 2023-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: CA

Complaint narrative:
XX/XX/2023 I send money using sendwave with the amount of {$120.00} due to my brother needs to pay his hospital bills but when my brother trying to get the money they told him that the tracking number I gave him is not working that He have to tell me to follow up so then I called the company and I told them why the money is not available its very important its emergency and they said they having problem with their bank partner in the XXXX so then I told them can you please try to send it again or if not I just need a refund just cancel it and they said they will be happy to assist me and wil do refund and I will recieved an email once its process but I never recieved aXXXX email I even send them a message on their apps but no response I have been patiently waiting but then after a couple I dont hear from them I called again and they said Since the teansaction is error XXXX their part the transaction was cancelled and no charge in my account but in my bank accout I have charge {$120.00} I even chat to my bank and they said the {$120.00} has taken hy sendwave and I told them to just refund me to the last for digit of my card the last time i send to my other brother the one that I used when I send the {$120.00} has been cancelled due to the atm took my card and never came out at the atm.They send me a form to manually cancel and refund me the money I filled out and send them back the form then after a day I received notificayion to their apps saying my transaction has been send to the recipient safe and sound. So I got the tmtracking number but when my brother go to the remittance place they told him tracking number is no good so my brother said maybe I will go to XXXX I said ok just try since thats their partner bit unfortunately they said its not a good tracking number so I called again XX/XX/XXXX or XXXX they said they will do it again that they will let me know if its cancelled already and since they did manual cancellation it takes time so I patiently waiting I think around XX/XX/XXXX I called again and they said it is mever cancel and he will help me di the cancellation but they one that I talked to before he even talked to his supervisor bit they lied to me its never been cancelled so they send me a form again to be filled out to get my money bit until now I havent heard from them its benn a month already but they never refund me my money please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act.The list of accounts below XXXX XXXX  XXXX XXXX account number XXXX open XX/XX/2016 has violated my federal protection consumer rights to privacy and confidentiality under usc 15 -1681 I to the Experian to reinvestigate this account XXXX XXXX XXXX XXXX however they stated everything was complete and accurate but how is that possible if the account date and dates of last activity and much more is incorrect according to 15 usc 1681 ; ( 5 ) they are supposed to modify accounts that isnt reporting correctly. When account was closed

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 2023-09-04 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: NY

Complaint narrative:
Recently, I requested verification of inaccurate accounts reporting on my credit report that your bureau maintains. I received a response stating that the account ( s ) were verified.

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for you investigation of the following accounts, as required by FCRA 611 ( a ) ( 7 ) : 1. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report. 

Best Regards, 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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-09-04 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: EGL US, LLC
State: FL

Complaint narrative:
In accordance with the fair credit act this creditor violated my rights under XXXX XXXX XXXX XXXX a I have the right to privacy. After careful review of my credit report I noticed several inaccurate information and also saw accounts I have no knowledge of I did submit disputes on all accounts that I viewed as being fraudulent and requested they be removed Because of the mistakes on my credit report I have been wrongfully denied credit and also denied for apartment rental screenings which was extremely embarrassing and negatively impacted my lifestyle. I asked these credits to provide me with written consent from me with my signature and address which I never got back from them all I saw on the report was my dispute was denied and deemed accurate which is not the case there are addresses and places Ive never lived on these reports. 

Report # XXXX Acct XXXX Creditor BMG money INC This account is listed as being late more than 90 days I account does not belong to me. 
Report # XXXX Address ID XXXX XXXX XXXX XXXX XXXX This account is listed as being more than 90 days late this account does not belong to me. 

XXXX  XXXX bank Acct # XXXX This account is listed as being more than 90 days late this account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: GA

Complaint narrative:
I mailed out letters on XX/XX/XXXX to XXXX, Transunion, and XXXX However its been over 30 days and the credit bureau failed to send investigation back. I received a stall letter on XX/XX/XXXX from Transunion and XXXX no further information regarding credit investigation. Failure to response letter mailed out to all bureaus XX/XX/XXXX. This investigation has been going on for months well beyond the 30 days. This is not right and violates my rights. 

According to the law 15 U.S Code 1681i-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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