vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am filling this complaint regarding my mortgage servicing with Mr. Cooper. My monthly escrow payment has been increased in a way that has made my total monthly mortgage payment impossible to afford. 

In the past year, I experienced an increase in my property taxes, which I anticipated would result in a higher escrow payment. However, the increase in taxes was approximately {$4000.00}, but my monthly escrow payment has been raised by almost {$1000.00} per month. Additionally, my property insurance premium increased, but I promptly switched to a new policy with a similar premium to the previous year. The insurance company I switched from sent me a reimbursement check for the canceled policy. 

I contacted Mr. Cooper 's customer service to request that the reimbursed amount be applied to my escrow account to prevent the significant increase in my monthly escrow payment. I was instructed to deposit the check into my escrow account and that a new analysis would be conducted to recalculate my monthly payment. I made the deposit on XX/XX/XXXX. 

Despite following these instructions, I was recently informed that the deposit did not affect the calculation, and my monthly payment will still increase by approximately {$1000.00}. This increase is unmanageable and seems disproportionate to the actual changes in my property taxes and insurance costs. 

I request that a thorough review and accurate recalculation of my escrow account and monthly payment be conducted. The current increase is not reflective of the actual changes in my expenses, and I am seeking a resolution to ensure my payments are fair and affordable. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account with XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-08 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: OK

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian, I am writing you these lines because as I was verifying my credit report with your company, it shows inaccuracies that require your attention. These inaccuracies are in violation of the consumer law.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been dealing with Experian for over a year now about accounts that don't belong to me. I have called and mailed letters repeatedly. They sent me a notice claiming they didn't think I was sending my letter even though I called them and they told me to mail them all the documentation. In the notice they say to use Experian.com/upload, but it keeps refreshing after I submit my documents. This is absolutely outrageous and Experian should be held accountable for putting people like myself through unesscessary and rigorous hoops to remove fraudulent accounts. They're as bad as the identity theft criminals. They're a complete and total scam and they refuse to help.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
XX/XX/XXXX in the amount of XXXX $ XX/XX/XXXX in the amount of XXXX $ XX/XX/XXXX in the amount of XXXX $ XX/XX/XXXX in the amount of XXXX $ Ive disputed these accounts several times and theyre keep coming back as accurate. But because my XXXX was in a data breach I feel these negative items should be removed from XXXX and XXXX because of the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XX/XX/XXXX in the amount of XXXX $ XX/XX/XXXX in the amount of XXXX $ XX/XX/XXXX in the amount of XXXX $ XX/XX/XXXX in the amount of XXXX $ Ive disputed these accounts several times and theyre keep coming back as accurate. But because my XXXX was in a data breach I feel these negative items should be removed from XXXX and XXXX because of the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a call from Chase that someone was trying to open a new XXXX card using my information as the primary cardholder. The person had my personal information including name, address, phone number and SS #. I dont know this person and the application was denied. The name and phone number given was XXXX XXXX, XXXX of XXXX, FL. The application was submitted on XX/XX/year>. It was recommended to me that I file a complaint with CFPB. The cancellation number given to me is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing about the account that has been settled long time ago. Its a closed account from XX/XX/XXXXXXXX  which i closed in settlement but it still appears on my credit report as negative and affecting my credit score. 
Here are the details about the account : XXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX  Status Paid in settlement. {$530.00} written off. 
Status updated XX/XX/XXXXXXXX  Last payment date XX/XX/XXXXXXXX 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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing about the account that has been settled long time ago. Its a closed account from XX/XX/XXXXXXXX  which i closed in settlement but it still appears on my credit report as negative and affecting my credit score. 
Here are the details about the account : XXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX  Status Paid in settlement. {$530.00} written off. 
Status updated XX/XX/XXXXXXXX  Last payment date XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NE

Complaint narrative:
I recieved a calyl from REVCO. The agent on the phone was very rude and demanding payment and my social security number to which I was not going to provide. I asked that they send proof of claim and all they sent was a demand letter asking for payment. All it says is I visited the hospital. When I go online to the hospitals XXXX  there are no visit records and the hospital says I need to call RevCo ... .Revco says I need to call the hospital. I am stuck in a loop where I am told I owe a bill but no one can tell me what it is for or why I owe it. I dont even have an insurance XXXX  for these bills detailing any charges whatsoever. REVCO is saying I owe $ XXXX and $ XXXX but wont provide any details as to what it was for ... No listing of charges or anything. The person on the phone continued to demand I pay her via credit card even after several questions to which she would not answer. She was also demanding my SSN which how they got it has me very concerned. When I try to go to REVCO website on the form to get further information, and I enter the information on the form, I enter the required info and it says I do not exist, which leads me further concerned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am repeatedly getting harassed by this company, Portfolio Recovery Inc. I told them to leave me alone and to stop calling me because I never had the account they're claiming I have and owe. I filed an identity theft report with all 3 credit bureaus and they removed it immediately. This company is still calling and mailing me. I don't know why they're continuing to harass me. It needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO ANY TRANSACTIONS MADE ON THESE ACCOUNTS. BECAUSE OF THOSE NEGATIVE ACCOUNTS IT HAS CAUSE GREAT HARM TO MY CREDIT AND SCORE. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT 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 non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
I received a brochure in the mail stating if I open a checking account that I will receive {$350.00}. It said I only needed {$50.00} to open the account but an average of {$500.00} needed to be maintained. So I specifically went into 2 branches and asked the employees if I opened with {$50.00} would I receive my bonus. They both told me yes. The branch I actually opened it at on XX/XX/year> the young lady 's name was XXXX ( one of the employees who told me I would get it ). So about 90 days later, I'm expecting my {$350.00} to be added to my account and it wasn't. I called the branch I opened it at ( XXXX on XXXX ) and the manager there told me I didn't meet the requirements. I asked how and she said you didn't meet the {$500.00} requirement. If you look at my account, I had a direct deposit in the amount of {$250.00} twice which gave me a total of {$500.00}. Had I known I had to deposit it the first day, I would have but I didn't because the two employees told me I didn't have to. Also the brochure was confusing, stating I only had to open with {$50.00}. I feel this was false information which caused me to miss my bonus. If you look at my account I have kept an average balance of {$500.00} since I opened the account in XXXX. My intentions were to turn it into a cd.

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 2024-07-08 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: OK

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-08 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Every month for the last two months I have been receiving collections calls about my payments being late or missed when they are not. I have blocked these calls and have asked several banks to contact me back to discuss as hold times are beyond ridiculous. I leave messages for the offices in XXXX and no one returns my calls. I show on my XXXX and XXXX payments are received on time and account status is good standing. I see my XXXX credit report and I show XXXX payment as late when it is not has never been late and I want this updated at once as this has dropped my score down XXXX plus points!!

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 2024-07-08 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: Mid-Atlantic Finance Co., Inc.
State: SC

Complaint narrative:
I checked my credit and saw that i had new hard inquiries on my credit report. Dates are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not do this and want them removed. I did an dispute but was not removed. I told the companies that it wasnt me and they said there wasnt anything they could do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-07-08 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief