vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
There was an old HELOC from Citizens Bank that had a XXXX balance that had been closed for several years that came up on a title search while I was trying to sell my single family home. Two weeks prior to closing date at or around XX/XX/XXXX, my real estate attorney requested a discharge statement from Citizens Bank and was told that they would ONLY speak to the borrower ( me ), so I called up ( XX/XX/XXXX ) and attempted to obtain a discharge letter but had no loan number ( this HELOC was over 10 years dormant/pain off ) and Citizens would not even tell me the loan number even after verifying my SS # and personal information. They then told me that it would cost me {$100.00} to generate a discharge letter as a " fee '' and despite arguing with them that we would record the discharge at closing, they would not even begin the process without this fee. So I paid the fee ( XX/XX/XXXX ) and was told it would take XXXX hours ( XX/XX/XXXX ) to start the process. Two days later I called back ( XX/XX/XXXX ) requesting something in writing saying that the discharge was in process so we could keep the closing date ( XX/XX/XXXX ) and the representative told me that they put the request into the " back office '' and that a letter stating they discharge paperwork was being processed would be emailed and mailed within 48 hours ( XX/XX/XXXX ), and now it is XXXX day prior to closing ( XX/XX/XXXX ) and I still have no paperwork and despite several calls to customer service with very ineffective and difficult representatives, I still have no paperwork nor do I have a discharge and the closing is in jeopardy and the entire sale may fall apart because of Citizens Bank and poor service. The only customer service rep ( out of about XXXX ) that was helpful was a woman named " XXXX '' who said she's working on it. 
Later in this request, the screen prompts me to provide a loan number or a mortgage number. As I mentioned, Citizens Bank would NOT provide this information to me even though I verified my identity and they indeed were reviewing the old HELOC on their end. The Case # they provided was XXXX that is all they would give me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AML Funding LLC
State: OK

Complaint narrative:
My loan officer scheduled an appraisal without consulting me which was billed {$640.00} on my CC XX/XX/XXXX, before I could even do an inspection on the home or gave an intent to proceed. I did an inspection on XXXX ( thursday ) and over the weekend told my real estate agent that I did not want to purchase the homeand signed a release of contract on the following Monday on XXXX, on XX/XX/XXXX the agent asked me to call him and I did and that's when I was informed for the first time that there was an appraisal scheduled and that I would be liable for it, even though it was scheduled for several days after I had already signed a release of contract. I said I refused to pay and the agent said he'd try to cancel and then call me back the next day to give me more information, but he never did and I didnt ' notice the charge on XXXX until after that conversation. I have filled a charge back on my card today XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-18 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: OK

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to this fraudulent item on my report that needs to be removed but as of now still has not.

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 2024-09-18 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: AZ

Complaint narrative:
I always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''

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 2024-09-18 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: AZ

Complaint narrative:
I always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''

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 2024-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valor Intelligent Processing, LLC
State: NV

Complaint narrative:
I ended my contract with XXXX a year ago. A few months later their debt collector sent me a letter trying to collect over {$2000.00}. I responded asking for a list of what the charges are and disputing the bill. I didnt hear from them again. Today I contacted XXXX to try and use my phone for the government lifeline program but my device was locked. They sent me to their debt collection company Valor Intelligent Processing , LLC. The gentleman told me I needed to pay {$1300.00} to unlock my phone and when I told him I have been disputing the bill he began to berate me. I repeatedly asked for his name and he refused to identify himself and kept yelling at me to pay my bill. He eventually hung up on me after threatening me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-18 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: OK

Complaint narrative:
I am filing this complaint regarding the unauthorized inclusion of information on my credit report, which constitutes a violation of my privacy rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Specifically, my credit report includes inaccurate and unauthorized data, which I did not consent to. I have a legal right to privacy as a consumer under FDCPA ( 15 USC 1692a ( 3 ) ) and FCRA ( 15 USC 1681 ( a ) ( 4 ) ), and this unauthorized information is infringing on that right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
Leasing a Truck on XX/XX/year>, XXXX  referred us to their Partner XXXX XXXX XXXX XXXX to finance through. We started the payment on XX/XX/year> down payment was 30 % of the truck price ( {$42000.00} ) monthly payments started on XX/XX/year>. During that time the truck had been Repoed by Volvo, Claiming that XXXX XXXX had been bankrupt. They Transferred the finance to Volvo and we comply with that but they refuse to give me back my money or my truck. None of the companies are willing to give me a solution to fix this while my business is suffering. 
When calling the DMV, the DMV claimed that XXXX did not transfer the title to my business. still investigating and have yet to receive any response.

We made a report previously but they are claiming that we are not a part of the financials services. But if you look at the attachment you can see that they know us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with 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 to be removed/updated.

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.

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!

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 2024-09-18 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: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a formal complaint regarding an ongoing collection attempt by Jefferson Capital LLC, for a debt that was sold to them by [ Previous Company ]. This debt was paid off and forgiven by XXXX, yet the second agency continues to pursue me for payment. Enclosed is my documentation, including proof of the original settlement and a cease and desist letter I have sent to the second agency. 

I request that you investigate this matter and take appropriate action to have this debt removed from my records. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXXXXXX XXXX XXXX XXXX XXXX, which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account Number : XXXX - Creditor Name : XXXX XXXX XXXX XXXX  Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. Please find attached copies of relevant documents, including [ list any documents, such as payment records, correspondence, etc. ], to support my dispute. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. 
Sincerely, 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 2024-09-18 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX XXXX XXXX XXXX which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account Number : XXXX - Creditor Name : XXXX XXXX XXXX XXXX Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. Please find attached copies of relevant documents, including [ list any documents, such as payment records, correspondence, etc. ], to support my dispute. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: MD

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 2024-09-18 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: PA

Complaint narrative:
For 24 months I keep disputing items personally and with the CFPB The company constantly Removes the disputed items then within a few days reinsert the items back into my credit report.

In other words they claim to fix or delete the disputed items when I report to the CFPB. But later reinsert them back into my credit file as if the account is new.

They have even reage and changed information in each disputed accounts.

See example attached

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 2024-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
On XX/XX/year>, I noticed my tax escow amount did not compute correctly given my XXXX condo and appeared to be for a XXXX single family home. The parcel number was completely incorrect. The incorrect parcel 's mortgage note for XXXX and XXXX is {$2400.00}. The correct parcel 's mortgage note is {$1200.00}. I talked with XXXX Lakeview customer service lines : customer service and tax. In a phone call, the tax department informed me that a ticket to change the parcel ( due XX/XX/XXXX ), send in a tax refund application to the XXXX XXXX for the incorrect parcel ( due midXXXX  ), and escrow analysis request ( due XX/XX/XXXX ) in order to get this resolved. On XX/XX/XXXX, I call in the Lakeview tax service line.I see that this escrow analysis ticket was denied, their explanation was that the parcel was not changed to the correct one at the time of escrow review. I get another escrow analysis ticket made with the Lakeview tax service line. They inform me that this should be done on XX/XX/XXXX. I have not paid the XXXX mortgage note and am now assessed a late fee. On XX/XX/XXXX I call in and am told to pay the XXXX mortgage as the XXXX mortgage note is now correct. I pay {$2400.00} for the month of XXXX including late fees and check in the next day XX/XX/XXXX. A person on the Lakeview customer service line says she will be able to waive the late fee. The reason I checked in the next day was because you can not pay XXXX months of mortgage notes in the same day. The XXXX mortgage note is still {$2400.00}. I initiate a check cancellation as I was misled by Lakeview. During this time XXXX XXXX day, I am interrupted daily by delinquency calls by the Lakeview collections XXXX. On XX/XX/XXXX, I call Lakeview customer service line. I am told again that I need to pay, I am insistent on the late fees behind dropped as the delay in my non-payment was caused by the Lakeview servicing inability to correct my mortgage note to {$1200.00}. On XX/XX/XXXX, I respond to a Lakeview collections dept call, I am transferred to Lakeview customer service line, am told that the XXXX collections note is now correct and I decide to pay the XXXX mortgage note, I am insistent on being refunded again for the late fees and return check fee.The Lakeview customer service line says they can not do that but I have been escalated to have a supervisor call me. I transfer to the Lakeview Tax service line I request an tax refund application ID or any form I can see to know that XXXX XXXX has received a tax refund application. I am contacting the Consumer Financial Protection Bureau due to Lakeview 's repeated failure to correct my mortgage escrow in financial penalties and ongoing delinquency calls despite their admitted error.

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 2024-09-18 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: 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 may 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax and XXXX immediately! 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation