vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Nothing in your system is a perfect match for my issue. 

I received a call from XXXX Fraud Department that someone applied for a credit card in my name. I looked on my credit report and found that BofA, XXXX XXXX, TD, and XXXX Bank all had hard inquiries. The same day, I received a letter fro BofA that the application was denied. I tried to call BofA to tell them that this was fraud, and they make it impossible to get in touch with anyone. I have no accounts with BofA, their automated system requires me to input my card number, of which I have none. I tried my SS and it said it didn't match my phone number and prompted me to enter a card number again. I asked for customer service, but it would NOT connect me without a card number. They are an awful company, they took a fraudulent credit card application, and they do not allow for anyone to report the fraud. I called all the other companies that had applications made and ALL of them answered and made the process easy and seamless. BofA makes it impossible. It is a stressful situation being a victim of identity fraud and instead of helping, they make matters more stressful. Application reference that appears on the paper I received today from BofA is 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 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: MN

Complaint narrative:
I was on my phone with money lion. Trying to get a lone when somebody called me from money lion, saying they were representatives of money roar That's a part money lion They said they We're gon na give me a loan XXXX XXXX dollars So I gave him my bank account information. They deposited a check And to my account, that cleared and they had me send money back to them. I thought it was part of the verification process. Or something, and they stole {$750.00} from me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Unlock Technologies, Inc.
State: CO

Complaint narrative:
We applied with Unlock Technologies to enter into a XXXX XXXX XXXX and got to the appraisal portion before finalizing. They never communicated that they use something called a " hybrid '' appraisal process since it's cheaper and they are coving the " appraisal '' cost if a customer doesn't decide to enter the HEA. Their hybrid appraisal process consisted of a real estate agent coming to the property, measuring the outside of the house and snapping a few interior photos that they then used for an " appraisal ''. The first appraiser used XXXXt to appraise the XXXX property remotely from XXXX. He appraised it for $ XXXX using XXXX of XXXX comps that aren't even in the same neighborhood of XXXX as our property being appraised. We also brought to our attention we had an in-person formal appraisal from XXXX  ( XXXX  years ago ) that was for $ XXXX and that given the in accurate comp pull, an appraisal from XXXX  years ago for the same amount, and the appraiser not being local that they should have concern for this appraiser and the accuracy. We said we would be willing to pay for a formal appraisal not using this " hybrid '' method we never heard of. Instead the said they had a second appraisal done on the property and that it came back pretty much the same at $ XXXX. The even more questionable part of all this is that the second appraisal they shared has the exact same comps pulled and information it's just the appraisers name/company and appraisal amount has changed. If a neutral 3rd part was truly contacted to run a second appraisal there is no way they would pull the exact 3 same comps especially in a high density market like XXXX XXXX  and with XXXX being not even in the same neighborhood as the address being appraised. There's strong concern that Unlock Technologies is requesting certain details and alignment from appraisers or they are straight altering appraisals to benefit them. 

To put a bow on this. As a realistic average and estimate this property would conservatively appraise for at least $ XXXX. We aren't unrealistic and looking for it to appraise for XXXX like some of the high end of the true comps. Ultimately the bigger concern with this new product and these companies offering HEA products is that they are working with appraisers to appraise properties low and inaccurate to loan out lower amounts of money and then when the agreement ends and they appraise the property to cash out the appraiser will appraiser at a much higher market value resulting in a huge pay day for the lender Unlock Technologies. 

I have attached XXXX documents. The XXXX appraisals Unlock Technologies had done that are virtually identical except the appraiser info and the appraised amount by XXXX and then the appraisal we had done back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: AL

Complaint narrative:
I recently reviewed a copy of my credit report, I noticed fraudulent accounts on my report these accounts are hurting my ability to gain credit. 

To verify my identity and avoid further delaying tactics I have included a picture of my State issued drivers license, social security card and a bank statement for proof of address. I am the consumer and I am submitting this report on my own behalf.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
Annual account disclosure statement dated XX/XX/year>. It provided account history and changed ( increased ) the escrow payment amount effective XX/XX/year>. 

Another Annual account disclosure statement dated XX/XX/year>, indicated a surplus and provide a check for the excess. No explanation. No information to customer. 

XX/XX/year> I sent them letter asking to understand. Asked " It seems you have decided not to pay my property taxes later in the year. Please explain why you are not going to pay the property taxes? '' XX/XX/year> I received notice from County my taxes were not paid. Demanded payment and charged a late fee. DUE TO Shellpoint Mortgage aka New Rez Llc failure to communicate with their customer, I INCURRED A LATE FEE! 

XX/XX/year> I received a notice from mortgage holder demanding I provide proof the property taxes were paid. 

XX/XX/year> The Mortgage holder has failed to respond to my letter asking for information and failed to communicate why they are not paying the property taxes through the escrow as they have for over XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: KY

Complaint narrative:
Complaint Against Experian and XXXX XXXX  for Reporting Inaccurate Information in Violation of FCRA Dear CFPB Representative, I am writing to formally complain about the inclusion of inaccurate information on my credit report by Experian. This inclusion violates the Fair Credit Reporting Act ( FCRA ) as the account in question does not fall under permissible purposes as defined by the FCRA, and I have never provided written consent for this account to be included on my report. 

Details of the Issue Credit Reporting Agency : Experian Inaccurate Account : XXXX XXXX  FCRA Violations : Accuracy and Privacy ( 15 U.S.C. 1681e ) : Consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The emphasis is on accurate and relevant information for assessing creditworthiness, which does not include income data. This account is taxable income. 

Permissible Purpose ( 15 U.S.C. 1681b ) : Under the FCRA, consumer reporting agencies may furnish consumer reports only for certain permissible purposes. The inclusion of this account on my report does not meet any of the criteria outlined in 15 U.S. Code 1681b ( a ). I have not initiated a transaction or application that would require this information to be furnished. 

Lack of Written Consent ( 15 U.S.C. 1681b ( a ) ( 2 ) ) : I have never given written consent for Experian to include this account on my credit report. According to 15 U.S. Code 1681b ( a ) ( 2 ), consumer reports may be furnished with the written consent of the consumer. In this case, no such consent was given. 

Accurate credit reporting is crucial to my financial well-being, and I trust that the CFPB will investigate this matter promptly and ensure that Experian corrects this violation. Thank you for your attention to this matter. 

I have attached a copy of my credit report and the item in question starts on page 11. 
I have disputed this item with Experian on XX/XX/year> and on XX/XX/year> and both times they refused to remove 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 2024-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The mortgage company sends letters requesting proof of hazard insurance. We obtain proof and submit as directed on the letter. This happens three more times each time submitting the paperwork as directed. Meanwhile we call customer service several times, leave our number, never get through to anyone and never receive a call back. Then we recieve a letter saying the mortgage company is buying insurance for us and will be taken out of our account. We continue to try and get through to customer service without any luck. This company is scamming people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
Dear Freedom Mortgage Company ; I was shocked when I reviewed my credit report and found late payment on the dates below : [ XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX TO XX/XX/year> ] I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 explanation
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY 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

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.

"

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: NY

Complaint narrative:
I wish to dispute the presence of unauthorized accounts on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that these accounts are the results of identity theft. I initiated to contact with the banks associated with these accounts, and they assured me that it would be removed from their records. I am aware that other credit bureaus have already removed these fraudulent accounts from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. 
Despite my proactive measures to address this issue, the accounts continue to be reported on my credit report by your bureau. 

XXXX OF XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
you state is that I did not submit the correct documents for the 2024 Someone from XXXX XXXX call me to clarify why the loan has not been processed. He did not mention that the application was not incorrectly mentioned that I have to wait until XX/XX/year> you need to stop to tell lies its not going anywhere because every argument I have with you guys. It has been taped every email and responding I have been photographed. I dont need to be coming here to bring up a nasty company what you are behind for people to refinance because you want to get higher interest rate to remove someone off of their loan Your products on your site I can not understand it so I go to XXXX XXXX XXXX indicate to me that I can use the assumption thats why I call you guys so many time to ask you guys different information because XXXX XXXX XXXX tell me different information so so many times I call you is to ask about it because theyre telling me about it. They are registered to you guys to get loans from you guys so they should know more about your products than you workers. and you stated inside your message that I am signing the sellers part that belong to XXXX thats a lie that means said you are calling the notary that stamp the quick claim deed then because notary was present when they are signing the claim deed so choose your words carefully

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
This innacurate unverifiable account is severely impacting my ability to obtain credit. I have confirmed accuracy from the clerk of the court to certify that the information on PACER is 100 % accurate, ( there is no case of record ). Furthermore, they claim that they did not report any information to the consumer reporting agency. 
However, you said the item was verified? How was said items verified? Which person from the bankruptcy court certified the accuracy of the information? 

Bankruptcy case # XXXX

Company response to consumer: Closed with explanation