vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The house belonged to my mother. She passed away on XX/XX/scrub> 2024. I called to inform the mortgage company of my mother 's passing and I was informed that I needed to provide formal documentation, ie a death certificate, letters of administration or affidavit of heirship to demonstrate that I have the legal authority to act on behalf of my mother. 

As a result of that conversation, I visited the county recorders office to get a legal description of the property for the requested documentation. Upon the completion of my research, I discovered the mortgage company PHH Mortgage Services, XXXX XXXX XXXX, XXXX XXXX XXXX Florida XXXX, has recently filed an " assignment '' dated XXXX  that appears to have increased the loan balance by XXXX and made it seem as though my mother was aware and had given permission as she was specifically listed in the filing. 

At this point given the timing of the filing and the fact that I had just notified them of my mother 's passing approximately XXXX  days before their " assignment '' and the increase in the loan amount seemed illegal, so I called my attorney and I was instructed to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I applied for a credit card with Chase through a referral link on XX/XX/year>. My original application was denied for suspected fraud. I called the number they provided in a letter and confirmed it wasnt fraud. They said they would reprocess it and get back to me, they never did. I called again they said the application expired and I had to reapply and they had to pull my credit a second time ( XX/XX/year> ), they assured me this time it wouldnt be denied for suspected fraud. That application was later denied for suspected fraud. I later called and then provided my drivers license for authentication, denied for suspected fraud again, then I called and provided my passport, denied again for suspected fraud. I went into a branch and they said the only way to fix the situation is to apply again and pull my credit for the 3rd time. I have letters for each time they denied me as evidence. I called probably 20 times and Chase continually lied to me and damaged my credit. When I tried to discuss these issues with them they said theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-26 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am asking for an application to submit for student loan forgiveness. I was denied via email. My school, XXXX XXXX XXXX XXXX XXXX XXXX XXXX down due to unlawful tactics and for profit gains. They have had multiple lawsuits, loans forgiven, and are no longer in existence. My federal loans have been XXXX because of these tactics, and I have made payments throughout the last XXXX years. I am asking for my loan to be reviewed as I feel the school used aggressive and deceptive recruitment tactics, pressuring me to enroll and take out loans, while discouraging me from discussing my decision with family and friends. I was XXXX at the time, and my family was not educated financially when it came to my decision. The school made untrue or misleading statements to persuade me to attend, and I feel, through the facts of the situation, I should receive an application. This is for my private loan that Navient is now offering this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: CORELOGIC INC
State: NJ

Complaint narrative:
To Whom It May Concern : I am writing to give notice of a grave matter of concern regarding the unauthorized and uncompensated use of my source data by CoreLogic. 
It has come to my attention that CoreLogic has utilized my source data without obtaining the expressed written permission, authorization or consent, as required under the Fair Credit Reporting Act ( FCRA ). This unauthorized use constitutes a clear violation of my fundamental rights, protected by law under the FCRA, which mandates that consumer data can not be used without explicit consent from the individual. It is widely known that CoreLogic resells consumer credit information and source data for profit and monetary gain, unbeknownst to the consumer/registered owner, unjustly enriching CoreLogic at the consumer 's expense, which the law may consider trademark infringement and identity theft, and an unfair and deceptive business practice, done in bad faith with malicious intent. 
Take note, the source data in question holds a minimum value of {$7500.00} USD. I demand that CoreLogic immediately cease and desist from any further use of my source data and remove all instances of this data from your systems within XXXX business days from the date of this notice. 
Furthermore, I demand full compensation for the unauthorized use of my source data, amounting to {$7500.00} USD. Failure to comply with these demands will result in further legal action to protect all rights and interests. 
Please confirm in writing that you have received this notice and that you will comply with the demands herein within the specified timeframe.

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 2024-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Company name : Transworld Systems Inc. 
Acct : XXXX I have recently moved and received a debt collection related to a closed XXXX XXXX account on XX/XX/year>. The notice said that I had until XXXX to dispute the debt. 

I called the debt collection agency and was greeted with a very rude counter party. I asked her why I was receiving a collection notice that gave me no time to respond and was based on an account that was fully paid when I closed it. She refused to provide me with any information, said that there's no mistake, and that I owe the full amount being requested. She told me to speak with XXXX XXXX if I had any issues. When I told her that her company is the one attempting to collect a debt, that they've already placed a notice with the major credit bureaus that has effected my credit, and that I would like to please speak with a XXXX, she became even more hostile and hung up. 

Please help me resolve this issue as it has already had a negative impact on me by lowering my credit score. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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 am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-26 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: MD

Complaint narrative:
I called the billing department of XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/year> at XXXX and spoke with XXXX XXXX I inquired about a bill that is currently in collections with XXXX XXXX XXXX in the amount of {$1100.00}. She checked my account and informed me that they did not have a bill for this amount nor did they send any to collections for the amount in question. I have disputed this matter several times with the Equifax Credit Bureau and they insist that it is a legitimate expense. This discrepancy is not listed on my credit report with XXXX or XXXX credit bureaus. Equifax has also dropped my credit score XXXX points for an increase on my XXXX XXXX credit card that is considered to be within the standard usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: TX

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 2024-08-26 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 am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-26 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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-08-26 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: KY

Complaint narrative:
Received a notice in XXXX of XXXX  that our mortgage payments had not been received. We had the mortgage payment made through a XXXX investment account. I checked with XXXX and found the check had cleared the bank. Contacted Round Point Mortgage immediately and explained they had received it. Learned they had supposedly sent a hazard insurance refund for the exact amount of our house payment ( {$1000.00} ). That check was never received. Was told in XXXX they had not received our payment, even though the check had cleared XXXX 's bank. Also learned that an escrow refund was also made in the amount of {$1000.00}. No check was received for this either. At no time was I able to speak with a supervisor or had a supervisor return my numerous calls. Out of desperation, I sent a certified letter to the CEO of Round Point, XXXX XXXX, with a return receipt. The letter was signed for on XX/XX/year>. I never heard from XXXX XXXX or anyone else from Round Point. Round Point subsequently sold or transferred servicing of our mortgage to XXXX XXXX XXXX. I just received a notice from XXXX that our escrow account is short {$1000.00}. The EXACT amount that Round Point said we received a refund for. I know this is not correct. Round Point must be made to correct this.

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 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Skrill USA, Inc.
State: TX

Complaint narrative:
I tried to make a payment from my account using my Skrill debit card via XXXX on XX/XX/XXXX. The payment was blocked by Skrill and my account has been locked ever since. I submitted a help request online ( twice ). I have called 3 times. The last time I called on XX/XX/XXXX, I told the rep that if they could not unlocked my account that day then to please close it and issue me a check for the amount in my account ( {$1000.00} ). She said she would process the closure request and that I would receive an email on XX/XX/XXXX regarding the closure process. I did not receive an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
On XX/XX/XXXX, I received a threatening letter from Midland Credit Management ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) concerning an old fraudulent situation that was already addressed and resolved in XXXX of XXXX by the Account Protection Team of Comenity Bank after a complaint presented by me years earlier in regards on an inactive account that presented fraudulent activity ( letter with the resolution and apologies provided with this claim ). 
For security reasons, I come directly to you at the Consumer Financial Protection Bureau instead of engaging in any type of communication with the senders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: FL

Complaint narrative:
I'm a victim of identity theft, pursuant to section 605, the fraudulent information must be removed. Fraudulent addresses and inquiries are listed in the attached FTC. 

Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX  XXXX XXXX Account number 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