vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
XXXX XXXX continues to incorrectly report to the 3 credit bureaus & has done so since 2017 causing me personal damages in EMPLOYMENT< INSURANCE< CREDIT RECOVERY : They report the debt is : CHARGED OFF & PAST DUE & HAS A CURRENT OUTSTANDING BALANCE of {$2100.00} all on the same credit line! 
If the debt was INFACT charged off as they report then there IS NO OUTSTANDING BALANCE because the charge off of the debt on the books was taken as a loss on their financial reporting therefore the report it is OWED & OUTSTANDING is in fact FALSE! 
Additionally the debt was turned over to XXXX XXXX XXXX to settle & pay on my behalf according to them XXXX XXXX turned this debt over to XXXX XXXX collections agency and the payments for the settled amount were made directly to XXXX XXXX as direct by XXXX  XXXX! 
So XXXX XXXX is also incorrectly reporting that it was CHARGED OFF instead of SETTLED + PAST DUE instead of Sent to COLLECTIONS + currently has an OUTSTANDING BALANCE DUE instead of CHARGED OFF!

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I been trying to get this issues resolved since XXXX both credit bureaus ( transunion and XXXX ) have refused to supply correct information such as original contract, original payment and dates regarding this collection account .I have sent supporting documents and they continue to allow an aged account to ruin my life. I have reached out to the original creditors with no response Per documents attached the account is from XXXX and was sold to a third party in XXXX. They re aged this account ever couple of years please see document below and resolve

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I been trying to get this issues resolved since XXXX both credit bureaus ( XXXX  and XXXX  ) have refused to supply correct information such as original contract, original payment and dates regarding this collection account .I have sent supporting documents and they continue to allow an aged account to ruin my life. I have reached out to the original creditors with no response Per documents attached the account is from XXXX and was sold to a third party in XXXX. They re aged this account ever couple of years please see document below and resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV

Complaint narrative:
I have been denied for modification twice now and not properly reviewed. Rushmore has stated that my DTI needs to be below 35 % and my DTI currently is 34 %. I have appealed twice now breaking down details of my GUARANTEED income versus my expenses, and my debt to income ratio is well in the approved threshold. Rushmore refuses to take into consideration that I get paid in cash from my grandchildren mother, even though she has written a letter, and legally signed it stating she without fault, makes payments to me every month for taking care of them. I would like nothing more than to save my home for me and my grandchildren and be reviewed for a modification and get back on track with my mortgage with payments I can afford. It has been over 6 months that I. have been fighting for my home. As a widow and an almost XXXX XXXX XXXX woman, I would like to be in peace knowing that my home is secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There is a hard inquiry on my credit report that I ( XXXX XXXX ) did not inquire about

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Pay pal  refund me and as soon as i closed the case they took the credit back

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 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Closed the loan in XX/XX/21. 

The loan has had a continual overfunded escrow account and servicer has refused to adjust the monthly payment. 

The escrows are {$960.00} for insurance and XXXX for taxes a year for a total annual expense of XXXX, the escrow account has {$4800.00} and they are collecting {$570.00} a month. 

Each time I call which has been 5 times I am told an escrow analysis will be done and the payment adjusted and the surplus refunded yet they never do what they say they will do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I submitted a dispute for XXXXXXXX XXXX XXXXXXXX XXXX to be remove from my report on XX/XX/XXXX on XX/XX/XXXX the report came back as Accurate. However I have no knowledge of this account and I feel this is fraudulent. I feel as though Equifax didnt do a thorough investigation because this account does not belong to me and I would like for it to be removed immediately as it has cause detrimental impact to my credit report. there is no contract or any agreement between this company and myself. Also Equifax XXXX XXXX reported an on time payment that has not XXXX updated to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The Credit Bureaus stated my account was properly investigated, but how is that possible if the high balance is inaccurate, date last verified is inaccurate, the date last active is inaccurate, date last reported is inaccurate, date opened is inaccurate, creditor type, creditor remarks is inaccurate, Last payment is inaccurate, and account type is inaccurate. This grounds for removal in addition to violating my rights under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
The Credit Bureaus stated my account was properly investigated, but how is that possible if the high balance is inaccurate, date last verified is inaccurate, the date last active is inaccurate, date last reported is inaccurate, date opened is inaccurate, creditor type, creditor remarks is inaccurate, Last payment is inaccurate, and account type is inaccurate. This grounds for removal in addition to violating my rights under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient XXXX XXXX  XXXX XXXX XXXX, PA XXXX. Paid the amount in full XX/XX/XXXX. A debt collector that threatened to freeze my bank account if I don't make a payment on my student loan which was opened XX/XX/XXXX XXXX XXXX ago. XXXX XXXX sold my account to this collector Navient. I have paid the amount in full and have suffered credit Hardship for over a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX, the following accounts/creditors : Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard Inquiries : XXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Hi, Whom I can concern, My name is XXXX XXXX, I have TD bank accounts on both USA and XXXX side, So I have made a call to bank for service money transfer {$2500.00} from usa to XXXX account on XX/XX/XXXX, the amount was took on same day, but I did not get any money on XXXX account until now! During the passed more then 1 month days, I have made many calls to the bank, even asked to make money recall back to USA account, but so far still get any back yet! 
It is unbelievable, I don't know what's wrong happened, and why it takes so long to process even the recall, Aa a consumer with TDbank for more then 22 years, I am very hopeless they did with their Cross-Border department! 
At here I hope CFPB can help me and protect Consumer 's rights! 

Pls see attached document from TD BANK XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a XXXX XXXX XXXX co-brand credit card issued by Comenity Bank. Recently, my card had been stolen ( and thankfully later turned in by a Good Samaritan ), but I had called to have my credit card replaced by then. 

Although my account was already setup for autopay, it appears that my new card did not maintain the autopay setting, and according to Comenity I missed a payment. Once I saw my new statement, including a late fee and interest, I immediately paid the bill in full. 

However, my attempts to contact Comenity over the last 2 weeks to dispute the late fee and interest charge have been unsuccessful. For several days, their entire phone service was down ( i.e., even their IVR system was not working ), an issue they have acknowledged themselves on their website. 

Now, while their IVR / automated response service seems to be working, it is still not possible to connect with a live agent to dispute the fees and settle this issue. I know I am not alone on this issue, and have seen many other Comenity customers on XXXX complain about the lack of customer service. I can understand an outage for a day or two, but for this to go on for weeks is simply unreasonable, especially when it affects people 's finances. 

I have attached 4 items : ( 1 ) My most recent credit card statement with the late fee and interest charges highlighted ( 2 ) The payment slip for my XXXX co-brand credit card ( 3 ) A screenshot of other consumer complaints against Comenity on XXXX, dating from all the way back to XX/XX/XXXX, more than 2 weeks ago, and ( 4 ) A screenshot of the XXXX credit card website, which still shows the banner from Comenity acknowledging they still are having problems handling customer calls- this screenshot is from XX/XX/XXXX  ( today ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We went on covid forebearance with our mortgage company starting in XXXX of XXXX. 

Last XXXX ( XXXX ) we opted to do a loan modification to get back on track and start making payments again. Freedom Mortgage sent us an offer letter based on the current finance rate ( 3 % interest ) and we accepted the terms. 

After we accepted, they sent us loan documents the next month in XXXX ( XXXX ). On those loan documents, my last name was wrong. We contacted them immediately to let them know after our notary wouldnt let us sign them without my name corrected. 

Over the next few months, I reached out to Freedom Mortgage monthly and sometimes weekly, and sometimes several times a day to ask where our corrected documents were. I was getting nervous about the delay in getting our documents. I was told over and over that the delay in getting our new documents wouldnt affect the offer they sent us in XXXX & that we could still get the same interest rate in their original offer. That was a lie. 

They told me in XXXX ( XXXX ) to resume payments in XXXX in harmony with our XXXX loan offer, so we resumed payments on XXXX first & we have continued to make the payments we agreed to in their offer letter. 

Starting in XXXX, each time I called theyd wait a week or two then ask for something else from us. Ive sent my marriage license, drivers license, etc. So they have no reason not to know that my name is, indeed, incorrect on the loan documents they originally sent. 

To this day they still have not sent us corrected documents. 

Instead : As soon as the interest rates went up, they made us another offer based on the current rate. And heres the crazy part : they sent us loan documents with my name WRONG again. So I can not sign these new documents again even if I wanted to. I let them know immediately that the new documents were incorrect and I could not sign them. Freedom Mortgage has made no attempt to correct the loan documents. Instead : Freedom Mortgage just initiated foreclosure proceedings saying we havent been making payments, but we actually have been. We havent missed a payment since XXXX per their instructions. There was a tax increase that went into effect that I missed because we are not getting our normal statements, but I caught it in XXXX and made a payment to catch us up. 

Its insane to me that I could lose my house because of their mistake, especially when weve been making 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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Account was closed XX/XX/XXXX due to my report on fraud because I never opened the account. I never authorized the account to be added back on my credit report after the account was closed. The address on file was even wrong, This Company reported the account again on my credit report XX/XX/XXXX. They said it takes 30 days to update information regarding fraud but they waited 5 months to add somehting on my report without my consent which and the address on file is wrong never belonged on my report. The information was also added on my report wihtout my written consent as well which is ILLEGAL!!!! I can't even purchase my home due to the illegal activity by XXXX XXXX XXXX . I will open up a civil lawsuit claim for the illegal activity as well. After they originally found out the account was fraud it was added again.

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Account was closed XX/XX/XXXX due to my report on fraud because I never opened the account. I never authorized the account to be added back on my credit report after the account was closed. The address on file was even wrong, This Company reported the account again on my credit report XX/XX/XXXX. They said it takes 30 days to update information regarding fraud but they waited 5 months to add somehting on my report without my consent which and the address on file is wrong never belonged on my report. The information was also added on my report wihtout my written consent as well which is ILLEGAL!!!! I can't even purchase my home due to the illegal activity by XXXX XXXX XXXX  . I will open up a civil lawsuit claim for the illegal activity as well. After they originally found out the account was fraud it was added again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have called 7 times regarding the removal of dispute comments from my accounts. The disputes fall under XXXX XXXX XXXX United Revenue Corp United Revenue Corp stated they could not remove dispute comments over the phone or by fax, and the only way to remove them was to send a letter to XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX They and that they will take 2-3 weeks to receive the letter and then will have an additional 30 days to remove the dispute comments. After multiple calls they gave me 2 ID Numbers. Dispute ID # of XXXX for account # XXXX. You spoke with XXXX XXXX and it took 2 phone calls to get to this information, as while she was getting a supervisor to approve the comment removal the call was disconnected. 2nd call she stated it had to be mailed in and did not get the supervisor. 
Call 1 Time XX/XX/2022, XXXX XXXX. 
Call 1 Time : XX/XX/2022, XXXXXXXX XXXX Call 3 Time : XX/XX/2022, XXXX XXXX There we at least 4 additional calls requesting disputes removal where I was given several different phone numbers to call. Upon calling the numbers no one answered my questions or assisted me. 

I am currently seeking financing and this is holding me back. Please remove disputes expediently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: TX

Complaint narrative:
I have called 7 times regarding the removal of dispute comments from my accounts. The disputes fall under XXXX XXXXFedLoan XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated they could not remove dispute comments over the phone or by fax, and the only way to remove them was to send a letter to XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX They and that they will take 2-3 weeks to receive the letter and then will have an additional 30 days to remove the dispute comments. After multiple calls they gave me 2 ID Numbers. Dispute ID # of XXXX for account # XXXX. You spoke with XXXX XXXX and it took 2 phone calls to get to this information, as while she was getting a supervisor to approve the comment removal the call was disconnected. 2nd call she stated it had to be mailed in and did not get the supervisor. 
Call 1 Time XX/XX/2022, XXXX XXXX. 
Call 1 Time : XX/XX/2022, XXXX XXXX Call 3 Time : XX/XX/2022, XXXX XXXX  There we at least 4 additional calls requesting disputes removal where I was given several different phone numbers to call. Upon calling the numbers no one answered my questions or assisted me. 

I am currently seeking financing and this is holding me back. Please remove disputes expediently.

Company response to consumer: Closed with explanation