vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: U.S. BANCORP
State: NJ

Complaint narrative:
Cardmember Service Elan Financial Services XXXX XXXX XXXX XXXX, NJ XXXX Dear sir, I have received a letter written on XX/XX/XXXX of XXXX along with a form to fill in. I would like to answer the questions, which your company asked. My name is XXXX XXXX addressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. The cell phone number is XXXX. I believe what you tried to indicate consumer report should be credit report of XXXX ; therefore, I copy the pages with my name and your company name from entire credit report, since I believe it is safe not to give all pages in my case, when I have the fraud alert. You asked me why I would like to remove your company inquire from the list of my credit report. I am not sure why you indicate I want you to remove your company name from the soft inquires, since it just meant for the promotional purpose ; however, since I have never be interested in to acquire any more credit card now and in the past, I just prefer you would remove from all credit card reports, which I mean XXXX, XXXX, XXXX, and XXXX, if they have your company name in the list of soft inquires. I can state so because I never applied to the credit of Valley XXXXXXXX XXXX I used to have a business account in the name of the XXXX XXXX ; however, due to the influence of the Pandemic, I have decided to stop using the business account, even though I still own this small business as a sole proprietor and changed the business bank account into my personal name account. Still, I do not have any credit cards related with Valley XXXXXXXX XXXX. If you still have the question, please contact me again. Again, I clearly states I never own the credit cards from your company and any companies related to Valley 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 2024-01-23 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 am writing to complain about my experience with PHH Customer Service. I lost my job last month, and filed for a hardship so I could push my mortgage payments out by XXXX months while I look for my next job. I filed this application on XX/XX/XXXX, and was told that I would have a phone call with the decision on XX/XX/XXXX. 

In XXXX before the call, I was told that my application was incomplete. I called in to ask what was missing, and was told that the address on my application was incomplete. I added the city, state and zip, and emailed it back on XX/XX/XXXX, even though I only have XXXX loan with this company, and XXXX property, and they already have my address. 

I hadnt heard anything between then and my XX/XX/XXXX appointment, so assumed everything was on track. During the call, he said that I hadnt provided an update, or the required unemployment notice. I pointed him to the documents, which had already been submitted. I was again told that underwriting could not understand the address provided. It seemed pretty clear to me, and I pointed out that I only have XXXX loan with PHH, and that PHH already has my address. 

I called in again on XX/XX/XXXX, to check on status. I was again told that my application was missing the address. She eventually escalated. The next day, I received an email saying that I hadnt checked a box saying this is my primary residence, again, information that PHH already has. I checked the box and emailed it, again, then called in, again, to make sure that everything was to underwritings satisfaction, and was told that I would need to make the next payment because they now consider today my application submission date. Later that day I then received a call from a supervisor saying that my application was closed, without any explanation. 

Now I have to make my XX/XX/XXXX payment, and potentially all subsequent payments, and feel like they are purposefully making this process difficult if not impossible. None of the reps know what they're doing, they don't have the current status, can't tell me when I can expect a decision, and some of them barely speak XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
After reviewing my credit report I discovered that several items that is being reported to my consumer report are inaccurate, I never gave permission to run my consumer report nor did I sign any SSA-89 Form releasing information giving permission for anyone to utilize my Consumer Social. I have went over each item and can validate that there is no error on my end and my consumer right has been violated according to 15 USC 1681B, I am asking to remove each unauthorized item from my consumer report within 4 business days or I will be force to take legal action. I have attached proof of my identity therefore you will know that this is myself the natural person requesting this information be deleted completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: VA

Complaint narrative:
After reviewing my credit report I discovered that several items that is being reported to my consumer report are inaccurate, I never gave permission to run my consumer report nor did I sign any SSA-89 Form releasing information giving permission for anyone to utilize my Consumer Social. I have went over each item and can validate that there is no error on my end and my consumer right has been violated according to 15 USC 1681B, I am asking to remove each unauthorized item from my consumer report within 4 business days or I will be force to take legal action. I have attached proof of my identity therefore you will know that this is myself the natural person requesting this information be deleted completely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: EQUIFAX, INC.

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
In XXXX of 2023, I realized that it was going to take much longer to return to work after being laid off from XXXX. This was contributing to my financial runway becoming more of a challenge to make payments. When I requested a forbearance, it was denied then later they offered making payment arrangements, what was unclear to me was the gross amount of daily interest being calculated against this loan product which became known the moment I put the house on the market and needed a payoff quote. It was then I realized that over a 5 month period of time this loans compounded interest accumulated to $ XXXX, which is predatory lending at its best. I requested forgiveness of this interest. The company was very slow to produce a payoff quote after multiple request by myself and the title company with zero ability to rush thereby causing the closing date to move on several occasions, while the interest continued to accumulate. While I am fully responsible for late fees and potentially some amount of fees associated with late payments but to amass this level of interest is highway robbery at its finest and Shellpoint should be penalized for this practice. My loans interest rate was 11.75 % already 3x of the going market rate, and that loan product already accounted for risk of default, to double down with daily default interest calculation on top of this high interest rate is criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX  I was served a court summons from a company Midland Credit Mgmt regarding a debt/bill in the amount of {$2000.00}. the originator of mention debt is a company by the name of XXXX XXXX XXXX XXXX. I have never solicited, requested or conducted any business or transactions with this company the original date of alleged transaction was XX/XX/XXXX. the accompanying documents only illustrate the alleged billing amount no detailed itemized invoice showing how funds/monies were distributed and what they were used for. Since the time of summons I have had 2 court dates XX/XX/XXXXXXXX  and XXXX. To dispute those charges the latter date was final judgement where I was found liable for those charges. I went both times representing myself they had legal representation. I find this an injustice and I will not stop pursuing avenues to clear my name until I am fully vindicated for this grave error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not give any of these banks nor credit unions the permission to run my credit, I have credit monitoring through XXXX, and I noticed that I was getting a lot of inquiries recently. These are fraudulent, please have them removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give any of these banks nor credit unions the permission to run my credit, I have credit monitoring through XXXX, and I noticed that I was getting a lot of inquiries recently. These are fraudulent, please have them removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give any of these banks nor credit unions the permission to run my credit, I have credit monitoring through Experian, and I noticed that I was getting a lot of inquiries recently. These are fraudulent, please have them removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was sent a letter from Wells Fargo that I was denied a credit card. I never applied for a credit card with Wells Fargo. An inquiry was added to my credit report. I believe this to be a case of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the FederalTrade Commission and I also have enclosed copies of the Federal Commissions IdentityTheft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/2023 SYNCB/MC reports an old account to the XXXX major credit bureaus as delinquent. This is inaccurate and unfair reporting. I've disputed this account several times and requested that they remove the account in accordance with Fair Reporting Act codes. 

Synchrony had the nerve to delete the credit account but leave the inquiry on my consumer report after already admitting fault for the unidentifiable account. The inquiry is still showing after the account was remove due to identity theft. This has cause GREAT HARM and I am currently under Duress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
See the attached documents. I want the bureau to commence an investigation on these accounts, as I am never late, but they are incorrectly reported as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. BANCORP
State: OR

Complaint narrative:
I received calls at XXXX threatening my financial future using profanity and unfair unethical demands. 

Come to find out, all debts are already paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: GA

Complaint narrative:
Violated my right

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am a recipient of the XXXX XXXX XXXX program, which means that the XXXX provides lump sum quarterly payments to Navient on my behalf. As a result, the due date of my next payment is extended, rather than being due the following month. However, in XX/XX/XXXX, Navient reported that my loan payment was overdue. On XX/XX/XXXX, I contacted them to explain that I am an XXXX Loan Repayment recipient, and they have the wrong payment due date. Navient investigated the issue and informed me that they had " incorrectly applied a transaction code to my account, '' which led to the incorrect payment due date. 

Navient assured me they would rectify the issue by XX/XX/XXXX. However, this month ( XX/XX/XXXX ), Navient reported me to the credit bureaus as being three months late on my student loan payment. On XX/XX/XXXX. I contacted Navient by phone to ask if they had corrected the transaction code on my account. A customer service agent said Navient would investigate the issue and respond to me by XX/XX/XXXX. I expressed my mistrust and asked to speak to a manager for verification, but the manager refused to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: DISCOVER BANK
State: CA

Complaint narrative:
In accordance with the FCRA this creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: MA

Complaint narrative:
The agency is still reporting debt collection which was discharged long ago

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
I am not aware of this account being opened. There were no attempts of communication prior to me seeing this collection pop up on my credit report which is how I became aware of the fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation