vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 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: 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. 
List of the hard inquiries I want removed off my credit report by XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 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 XXXX XXXX XXXX XXXX XXXX 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 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 and not recognized!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are accounts that need to be removed off my credit reporting file. I have attached FTC report. I also have reported to XXXX and Texas Attorney General. I am real human this is no 3rd party.

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 2023-11-11 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: MI

Complaint narrative:
On XX/XX/XXXX - XX/XX/XXXX XXXX remove XXXX XXXX charge off from my account. Account number XXXX XXXXXXXX. XXXX XXXX and Experian Bureaus are continuing to report the above Account. According to the Fair Credit Reporting Act the three Bureaus must report accurate information. XXXX XXXX and Experian are in violation of 15USC1681b. This accountwas removed from XXXX as of XX/XX/XXXX - XX/XX/XXXX, it was reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my credit report being accurate and verifiable. XXXX XXXX and Experian fail to remove the Information even thought they have fail to verify the account and notify in 5 days as reported from the FCRA. I am confused why XXXX XXXX and Experian are still reporting this accountand they have access to the same Information that XXXX do? Please provide me proof that this account has been properly verified or remove immediately from credit report. Please provide me with the name of the person that verified the account, when it was verified and what tactics was used to verify the 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 explanation
Consumer complaint received 2023-11-11 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:
I had family issues and COVIDS issues which caused me to ask for COVID assistance to get my finances in order and to help elderly parents. I asked for one last extension with PHH but was not told that I exhausted the COVID relief benefits. However, PHH really didn't harrass me other than asking for documentation for the modification. I submitted all the financial documents and asked that I resume payments on the XXXX of XXXX. I attempted to make a payment on the XXXX of XXXX only to be told that at the moment, all prior payments needed to be made in order to make a payment. Meanwhile, a notice of default was sent to me. My understanding was that I was not obligated to make payments while the modification was in process. When I rang about not being able to make a payment, I was told that the modification was denied yet no one communicated that to me via email or in writing. A week later, I did receive the denied of modification. One reason was that the mortgage load was greater than 90 days delinquent and the investor did not allow modifications. Why on earth was the paperwork and application requested then? Such incompetence. PHH calls and never leaves messages even though time after time again, they have been told to leave messages. I was assured that they always do-which they don't. Also, they can email me adverts but never can they email me documents such as the modification denial. I'm very frustrated with PHH. I was told that I have to wait to talk to my relationship manager to divide the 4 months payments up over twelve months to include with my monthly mortgage payment. However, nothing can be done until the " program '' is approved by the relationship manager. I can not talk to the relationship manager until the end of XXXX. Is PHH trying to force me into foreclosure? I feel like that. I'm simply trying to resume paying my monthly mortgage payment and roll in the miss payments back into the loan. Everything-processing, call center, etc. is in XXXX. They do not seem responsive. They still call occasionally and do not leave messages. I do not feel like I'm getting the complete picture with PHH. Since the modification was denied, why didn't the letter give me payment options so I could resume making my monthly payment? Why wasn't it emailed? I'm just over PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: IL

Complaint narrative:
On XX/XX/2023 we received a letter from loan care stating that our mortgage payments was increasing by {$820.00} from {$1700.00} to {$2500.00} and also, that our escrow was {$6600.00} short. Prior to receiving this notice with this lump sum of over {$6000.00} we were not informed that our escrow had a shortage. After looking over the escrow analysis we noticed that there are mistakes and over estimations in our account, the taxes was estimated to be {$3500.00} which they were only {$2400.00} which is {$1000.00} less. We also, noticed that our escrow account minimum balance is {$1300.00} but we are being charged {$1300.00} a month which is double the amount of our current escrow of {$540.00} a month. As, we went over the account our taxes and hazard insurance went up slightly {$100.00} for taxes and {$64.00} for insurance. There is nothing that should cause our mortgage and escrow payments to have such a major increase. This is not the first time loancare as made these type of costly errors which can lead to unnecessary equity loans, refinancing and loss of property.

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 2023-11-11 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act theses XXXX accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 

Rights Violations : 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.

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 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My bank, TD Bank, NA attempted to take 3 minimum payments from checking account in 3 consecutive days beginning XX/XX/XXXX. Both my credit card and my checking account are with TD Bank, NA. My credit card ends in XXXX and my checking account ends in XXXX. 
I has set automatic monthly payments for my credit card from my checking account. On XX/XX/2023 TD held {$270.00} from my checking to make payment to my credit card. 
On XX/XX/2023 TD again held {$270.00} twice. For a additional total hold of {$540.00} even though the payment and hold was successful and posted from XX/XX/2023 I contacted TD and they could not given reason for these 3 separate holds and payment attempts. They assured me they would not process the 2 additional payments and the holds would be removed. 
On XX/XX/2023 one of the two additional payments was posted to my credit card account and deducted from my checking account. There was still an additional payment in the amount of {$270.00} being held from my checking acco unt. I contacted TD Bank again and was promised they would not take the 3 duplic
ate payment, would release my funds and also would reverse the 2nd additional payment back to my checking account within 5-10 days. 
I stated they were denying me free use of my money and the additional wait time to return funds that I did not authorize was unacceptable. They had for all intents and purposes stolen my money and had denied my use of it. 
On XX/XX/2023 they did return {$270.00} to my checking account, but then charged me a fee of {$0.00} and another fee of {$0.00} and listed them both as NSF PAYMENT ADJ I was told NSF stands for Non Sufficient Funds. I never had non sufficient funds ever! Why am I being further harmed y these additional charges for their mistake? Why are they enriching themselves for their errors. 
This will be listed in my statement and will cause irreparable harm to my good name and financial standing. 
I do not feel they are entitled to hold up my money and also charge me fees to give it back to me. 
They will not answer my questions and they will not compensate me for the time I was denied access to my funds. Additionally, they offered to waive the fees, but this indicates it was my fault and could harm me in the future if I should ever need a fee waived due to my error or mistake. 
I have screen shots of my accounts to prove my side of this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Self Financial Inc.
State: OR

Complaint narrative:
I closed my XXXX XXXX  account early- it was a special kind of savings account that you put money in per month, for a period of a year, being able to withdraw that money once the year was up. I asked for it early as I needed the money. They charge a fee for withdrawing it early which I was fine with, and I initiated the payout process and on XX/XX/XXXX, I got this message in my email : " We've electronically deposited {$75.00} into your XXXX XXXXXXXX XXXX XXXX  account ending in XXXX. Most people will see the deposit within XXXX business days. '' It is XX/XX/XXXX, XXXX days later, nearly XXXX weeks, and I have not seen that deposit yet. They refuse to offer any assistance and have not answered any of my emails. Apparently they are notorious for this, letting people close their accounts and then not making the payout. I am yet another victim.

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

Complaint narrative:
Unauthorized/Fraudulent Hard inquiries. 

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 explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
There was charges on my account that I did not make and once I noticed them i immediately reported the charges to the Citi well almost two months later nothing has been done on my account. I call them on XX/XX/23 only to find out my claim was never done and this amount is still reflecting on my credi and my account even though they issued me new cards they never filed the claim

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 2023-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AUSSRQ Holdings, LLC
State: NY

Complaint narrative:
I settled an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, on XX/XX/2023. The company filed a Satisfaction of Judgment with XXXX XXXX NY Supreme Court on XX/XX/XXXX, XXXX and every 2 weeks Oliphant reports an increase in balance to all 3 credit bureaus. On XX/XX/2023 I Disputed the information with XXXX and provided the Index number from the Satisfaction of Judgement filed with the court. The disputed case with XXXX was reported as resolved this morning stating that Oliphant has reported the information as accurate, which is Absolutely False.

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

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 inructions 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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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 XXXX XXXX XXXX. 

Account name : 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 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 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 XXXX XXXX XXXX XXXX XXXX  XXXX 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 withount 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 ) (! ) A person shall not furnish any information relating to 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 explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have contacted American Express rewards program more times I can count, at least 10 times. My father had enough points to request 2 {$500.00} XXXX XXXX XXXX, per the customer service rep. the first five times I requested the gift cards, starting in XX/XX/2023, I received a generic back office reply stating that I did not submit all of the information. Customer service, the only department I could speak wtih, could not clarify what information was missing, and I had submitted all requested documents, including my dad 's will, my dad 's death certificate, letters of office stating that I could act as an independent co-executor, and details of the redemption request. Finally in XX/XX/2023 my attorney got involved, and Amex requested that I get my siblings to also authorize the redemption. When that was finally completed, I received a letter back that the gift cards were not available. When I recently called they indicated that that program went away in XX/XX/2023, and now I could only get Amex an gift card for {$500.00}, half the value of the original promised redemption and all notes are on our record that document the numerous emails and phone calls I have made to them over the past 6+ months. I have been caught in an endless customer service loop, and the value of my father 's estate should not be halved due to the original claim date. This has been an endless and very frustrating experience that has not yet been resolved.

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

Complaint narrative:
I attempted to file a dispute online but was blocked by the system. 
I am attaching proof of XXXX inaccurate accounts from pages XXXX and XXXX of the XX/XX/XXXX XXXX report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX XXXX XXXX due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX XXXX listed under page XXXX of the attached XXXX report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX The payment history shows okay for XX/XX/XXXX yet the last payment was supposedly made in XX/XX/XXXX which makes no sense. On an XXXX report from XXXX dated XX/XX/XXXX under revolving accounts XXXX XXXX XXXX XXXX shows NO late payments ( See attached page from XXXX ). 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account. 
I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock. 
Finally, I never received the accounting statements from the financial institution related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099. 
On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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.

As a result, this invalid/ inaccurate XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.

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