vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: FL

Complaint narrative:
I recently checked our credit reports and our mortgage is not listed on my credit report nor is it in my wife 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Subject : Formal Complaint Against Freedom Mortgage Concerning Escrow Funds and Prolonged Home Repairs To Whom It May Concern, I am writing to formally lodge a complaint against Freedom Mortgage concerning their failure to adequately review and process documents provided for the release of escrow funds needed for critical home repairs. I am a XXXX XXXX XXXX XXXX XXXX XXXX, and my home, which was secured by a VA loan , sustained significant water damage in XX/XX/2023. Since that time, I have been unable to use my master bedroom and bathroom, which is causing considerable hardship. 

Over the past year and a half, I have submitted numerous documents to Freedom Mortgage in an effort to secure the release of the necessary funds from my escrow account to address the extensive repairs required. Unfortunately, despite my diligence, Freedom Mortgage has consistently failed to review these documents in a timely manner and has provided conflicting information regarding the requirements for fund disbursement. 

Specifically, I have been instructed by Freedom Mortgage to provide an itemized shopping list for {$75000.00} worth of repairs and was told to place items in an online shopping cart from retailers such as XXXX or XXXX XXXX. This request is not only unreasonable but also serves to further complicate and delay the repair process, preventing me from restoring my home to a livable condition. 

As a result of these unnecessary and burdensome requirements, I have now been without a functioning master bedroom and bathroom for nearly two years. This ongoing delay is causing significant emotional and physical distress, exacerbated by my status as a XXXX Veteran. 

I request the CFPB 's intervention to ensure that Freedom Mortgage promptly releases the necessary funds from my escrow account so that repairs can be completed without further delay. I also ask that they provide clear, consistent, and reasonable guidelines for the documentation required for such disbursements in the future. 

Thank you for your attention to this matter. I am hopeful that with your assistance, this issue can be resolved swiftly and fairly. 

Finally, I hired an attorney to provide additional assistance in this matter. 

Sincerely,

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 2024-09-04 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: IL

Complaint narrative:
My account with TransUnion 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.

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.

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

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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hello, two weeks ago my aunt sent me two transactions using your company in the form of {$400.00} and then again {$400.00} because she was saying it was not working. The date of the transactions was XX/XX/XXXX. You'll be able to see that I transferred the first sum to my bank account in the form of {$390.00}. Turns out my aunt made a mistake on her end and I had to send her back the {$400.00}. Now here is where the issue lies. How come now, Venmo says I owe them {$400.00} even though I sent the money back. I have my driver 's license ID as well as my bank statement to prove that I did not get paid and that I did in fact send the money back. My aunts name is XXXX XXXX and she also had to go through the unfreezing account process. I will attach both pieces of information to this email TODAY to save time and get the process started. You guys also took {$80.00} that I received today and put it towards paying off the {$400.00}. So now please help me ASAP before the long holiday weekend. Let me know if I need to do something else to get my Venmo account TEMPORARILY UNFROZEN. 


I know that this process can be complicated, but I can explain whats happened from our side of things. On XX/XX/XXXX, we received notice that the following payment was disputed by the senders card issuer : payment from - XXXX for {$400.00} on XX/XX/XXXX ( XXXXXXXX XXXX  ) ( XXXX ) XXXX XXXX. : We disputed this chargeback with the buyer 's card issuer. In this case, the card issuer has decided this case in favor of the buyer. Were unable to dispute further on your behalf. The held funds have been permanently removed from your account to cover this disputed payment. 
( XXXXXXXX XXXX  ) ( XXXX ) XXXX XXXX : I know this isnt the outcome you were hoping for. We encourage you to contact the sender directly for any further resolution. 
( XXXXXXXX XXXX  ) ( XXXX ) XXXX XXXX : You can find more information and settle the amount owed by following the prompts in the app. Tap Restore your account to get the process started.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resolve Partners, LLC
State: FL

Complaint narrative:
On Wednesday, XX/XX/year> applied at Preserve XXXX XXXX main front office ( I am current resident under different private owner ) and was told application was pending approval Conditional w/ double deposit on XXXX XXXX XXXX, I received email both I and roommate ( my brother ) were denied by RESOLVE PARTNERS tenant screening due to collections account. After review of my XXXX credit it only shows XXXX collections and XXXX installments ( XXXX - student loans XXXX secured bank loan ). However, on the tenant screening report that RESOLVE PARTNERS sent to me included in a scorecard were XXXX collections at which point this was cause for DENIAL of my rental application. Income and Background check passed. As well as no Eviction history. As so did Income and Background check pass for my brother. After speaking with an agent at RESOLVE, she stated it is averaged out. I explained if it was based on average than it should have Passed or been Conditional ( as I was told on XXXX that's what was pending ) and not a FAIL, FAIL, as there were more Pass and Conditional than Fail. It is my information and belief that I was treated unfairly and victimized by bias and abusive business practices. Especially given if the Income and Background check passed. Again, I was told it was pending Conditional with a double deposit of {$530.00} nonrefundable. Then on XXXX XXXXXX/XX/year>, I was blindsided to be outright denied, is evident this was unfair. On Monday XX/XX/year>, I called RESOLVED and asked them to allow me re-access to the Tenant Scorecard, however, this report is now showing they pulled XXXX and not XXXX, evident of discrepancy, because on XXXX, the report was XXXX, which is what prompted me to question the validity of the reporting they received. Also in addition, the XXXX had a XXXX, as so did my other reports. When I reviewed the report, it shows RESOLVE was allowed to override the freeze UNDER A VALID EXEMPTION PROVISION. As a result, of this decision, I had to extend my current lease for an additional XXXX days to avoid being homeless, as I was just currently received a XXXX diagnosis and my family and I were in support of helping me move into a bigger apartment to help support my XXXX journey toward healing and survival. I did attach my XXXX credit report on the first Complaint I sent. And now I am resubmitting this second complaint adding my XXXX summary again and the new XXXX tenant score card that RESOLVE PARTNERS sent ( the original they submitted to me on XX/XX/year> was XXXX not XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: IL

Complaint narrative:
I previously disputed these accounts with TransUnion. I let them know these accounts were not being reported accurately. According to the IRS when an account is charged-off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099 ( Cancellation of Debt ) from TransUnion in regards to the following charged-off account listed below. These accounts can no longer be reported to my credit report. Not only does this violate my rights for the FCRA, this is also tax fraud on TransUnions part. The accounts listed below need to be immediately removed from my credit report as they are reported inaccurately. 

I recently looked at an updated copy of my credit report and noticed several inaccuracies on the accounts I disputed. These accounts are hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking to be verified for accuracy : Account Name : XXXX XXXX Account Number : XXXX, Charge-Off Date : XX/XX/XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX, Charge-Off Date : XX/XX/XXXX ; Account Name : XXXX XXXX, Account Number : XXXX, Charge-Off Date : XX/XX/XXXX ; Account Name : XXXX XXXX Account Number : XXXX, Charge-Off Date : XX/XX/XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX, Charge-Off Date : XX/XX/XXXX ; These accounts have inaccuracies that are highly injurious to my credit score. In accordance to The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I am requesting the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation. 

Also, these accounts were charged off on the listed dates above. Since then the accounts have repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should not include an active payment history according to the FCRA. This inaccurate information falsely manipulates the statute of limitations. Failure to investigate this account properly after I requested 2 times for it to be corrected and updated has violated my rights according to the FCRA. Therefore, I am demanding these accounts to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
I am a XXXX resident, in 2023 i obtained an FHA loan for my primary residence at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Planet Home Lending purchased my loan in 2023 and they are currently holding it. I am in the process of refinancing with a different Lender SUMA FCU and they have agreed to process a XXXX. As you know, this saves a XXXX XXXX borrower a significant amount of money in the form of a mortgage recording tax credit. Planet Home Lending is the payoff bank, they will be paid in full but they are refusing to process a XXXX, such refusal will cost me {$14000.00} in additional mortgage tax that i would not have to pay if XXXX XXXX XXXX agreed to process a XXXX. Me as Borrower relied upon this common practice in taking out the loan originally. The original lender i borrowed the funds accommodates XXXX as common practice. 
This mortgage loan is governed by XXXX XXXX law, even though Planet Home lending is a Connecticut institution. 
The routine customs and practices of lenders in New York should also be respected and followed in this case since they are doing business and hold a NY license. 
I have sent multiple emails, numerous phone calls with Planet Home Lending customer service only to receive a blank answer that they do not participate in XXXX. 
Planet Home Lending also is misleading consumers because their payoff letter specifically mentions NY XXXX but they never honor the representation made on the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Last 4 of account XXXX XXXX XXXX Comenity Capital Bank I am writing to formally file a complaint against XXXX XXXX XXXX XXXX credit card for what I believe to be unfair and deceptive practices related to their payment processing system and the imposition of late fees. 

1. Payment Processing Limitations and Time Zone Restrictions : On the due date of my payment, I attempted to make a payment through the credit cards online system. However, I was forced to schedule the payment for the following day due to a cutoff time imposed by the bank based on their time zone, which was not aligned with my local time. This limitation unfairly penalizes consumers who are unaware of the specific cutoff times and are operating under the assumption that a payment made on the due date would be processed accordingly. This practice creates a misleading expectation and can easily result in late fees, which I experienced. 

2. Imposition of Late Fees on Late Fees : Following the delayed payment, I was charged a late fee. However, to my dismay, I discovered that I was subsequently charged a late fee on the previous late fee, despite the fact that I raised concerns and disputed the original charge. This practice appears to violate the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ) and the Truth in Lending Act ( TILA ), specifically under 12 CFR 1026.52, which prohibits creditors from imposing multiple penalty fees for a single violation.

3. Deceptive Practice of Waiving Fees Only After Account Closure Request : When I called the customer service department to dispute the late fees, I was initially denied any relief. It was only after I requested to close my account that the representative agreed to waive the fees. This tactic feels like a coercive and deceptive practice designed to retain customers by offering fee waivers only when the threat of account closure is imminent. Such behavior not only undermines trust but also puts consumers in a situation where they are forced to endure unfair treatment unless they take drastic measures like closing their accounts. 

Conclusion : I believe the actions taken by XXXX XXXX XXXX XXXX credit card, including the limitations of their payment processing system, the charging of late fees on top of other late fees, and the manipulative practice of waiving fees only upon account closure requests, constitute unfair and deceptive practices that violate consumer protection laws. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate these practices and take appropriate action to ensure that consumers are not subjected to such unfair treatment. Furthermore, I would appreciate the opportunity to discuss this matter further to provide any additional information that may be required. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-04 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: MN

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: AL

Complaint narrative:
You are in violation of XXXX XXXX XXXX ( XXXX ) ( B ) and XXXX XXXX XXXX ( XXXX ) ( XXXX ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( XXXX ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to XXXX XXXX XXXX ( XXXX ) ( XXXX ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section XXXX ( a ) ( XXXX ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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