vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: United Built Homes LLC
State: TX

Complaint narrative:
This complaint is in reference to a mortgage held with United Built Homes and the delays we have faced in trying to get an accurate payoff amount from them in order to refinance at a lower rate.

We entered into a Mortgage agreement with United Built homes on XX/XX/XXXX to build a new home on a property we already owned. The agreement was that XXXX year would pass and no payments would have to be made. After XXXX year, and little to no progress made on the house, we began making payments in XX/XX/XXXX. Due to extreme delays by the builder ( United Built Homes ) as well as lack of quality / design failures in the construction, we hired an attorney and were able to secure payment extensions which included the Mortgage payment and the Escrow payment to be waived as to avoid court costs or mediation. These extensions covered the period XX/XX/XXXX to XX/XX/XXXX when the house passed final inspection. 

We have been on time with payments since payments resumed and have made them within the grace period every month. 

I called UBH Finance on XX/XX/XXXX to request a formal payoff amount to refinance. I received a verbal quote from the person on the phone, who said they would email the amount to me. The amount was never sent. 

On XX/XX/XXXX I had my attorney send correspondence to request the payoff from the legal department as there were inconsistencies in the payoff amount. As I stated previously, the escrow portion of our payment was waived by UBH as part of our extension/written agreements and they were showing a negative escrow balance. My attorney requested the escrow balance to be corrected as UBH granted us an extension on the escrow payments as well as the mortgage payments and that we should not be penalized for this. There was no response. 

My attorney followed up again on XX/XX/XXXX and as of today, XX/XX/XXXX, there has been no response. 

This is an unreasonable delay on this request by UBH as well as trying to penalize us for the extensions they agreed upon due to multiple failed inspections ( including a failed structural engineer report ) on the build.

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 monetary relief
Consumer complaint received 2024-03-07 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: MD

Complaint narrative:
I am writing to dispute an unauthorized inquiry that has appeared on my credit report. The inquiry in question was not authorized by me and is unrelated to any financial activities I have undertaken.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.

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 2024-03-07 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: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. SYSTEM, INC IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( ORIGINAL CREDITOR XXXX XXXXXXXX ) I am writing to formally request that your company cease and desist all debt collection activities related to the debt identified [ XXXX ACCOUNT XXXX ] XXXX It has come to my attention that your agency is not licensed to collect debts in the state of Georgia, as required by state law. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Georgia state law, debt collection agencies must be licensed and compliant with all regulations in the state where they are conducting collection activities. Your lack of proper licensing in Georgia prevents you from legally pursuing debt collection actions within the state. 

I demand that you immediately cease all communication, attempts to collect, or any further actions related to this debt. Failure to comply with this request will result in legal action being taken against your agency. 

Please provide written confirmation that you have ceased all collection activities related to the aforementioned debt and that my request has been acknowledged. 

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: OH

Complaint narrative:
My wife and I are trying to obtain a check from XXXX/LoanCare for prepaid property taxes. The house is located at XXXX XXXX XXXX, XXXX, Ca XXXX and the loan number is XXXX. We initially received the check dated XX/XX/XXXX which was never deposited and lost. I talked to customer service multiple times about this issue which they stated they would mail out a new one. The first time I called was in XXXX, in which the worker said she would have a new one mailed out and we would receive it in 6 to 8 weeks. We waited the allotted time and never received a check. On XXXX XX/XX/XXXX, I called back to LoanCare and she then informed me that a new check would be mailed out and delivered in three to five business days. As of XXXX XX/XX/XXXX we have yet to receive this check. They are saying that we need XXXX party authorization to talk to anyone. I will attach a copy of the original check. Check No. XXXX for the amount of {$230000.00}. I am asking for a new check to be sent out and the old XXXX canceled as well as conformation from LoanCare letting me know that it is being processed. If this issue is not resolved I will have no choice but to take LoanCare to small claims court.

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 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
I am writing to file a formal complaint against GENESIS CREDIT MANAGEMENT, hereafter referred to as " the Agency. '' My complaint is based on multiple violations of my consumer rights as outlined in federal regulations governing debt collection practices. Despite my attempts to resolve this matter directly with the Agency, they have not complied with legal requirements, compelling me to seek your intervention.

Account Number : XXXX ( XXXX ) and XXXX ( XXXX ) Violations Reported : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The Agency has failed to provide me with the required validation information regarding the debt they claim I owe. Despite this, they have proceeded to place a collection account on my consumer report, which I believe to be a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the associated regulations.

Failure to Allow Dispute - 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute the debt within the timeframe specified by law. This denial of my right to dispute has not only impacted my credit report but also my financial wellbeing.

Use of Misleading, Deceptive Means - Violation of Consumer Rights : The Agency has engaged in practices that are false, misleading, and deceptive, aimed at misrepresenting the nature and status of the alleged debt. Such actions are in clear violation of the principles and protections intended to safeguard consumers from abusive debt collection practices.

Unauthorized Furnishing of Information - 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : The Agency has furnished information about the account to consumer reporting agencies without providing all disclosures required by law. This act is in violation of both the Regulation F of the FDCPA and the Fair Credit Reporting Act ( FCRA ), undermining the integrity of the information reflected on my consumer credit report.

I request the Consumer Financial Protection Bureau to investigate these allegations and take appropriate action against GENESIS CREDIT MANAGEMENT to ensure compliance with federal laws designed to protect consumers. Furthermore, I seek correction of the inaccuracies in my credit report resulting from the Agency 's actions and restitution for any harm caused by these violations.

I appreciate your prompt attention to this complaint and look forward to your support in rectifying this situation.

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Independent Savings Plan Co.
State: FL

Complaint narrative:
ISPC is committing FRAUD. I noticed that ISPC redeemed the remittance coupons/instrument as a non cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to US Code 1691 ( C ) you assume civil liability pursuant to 15 USC 1691 ( k ). ISPC Has violated my federally protected rights.

The debt shows as a charge off- this is a certificate of indebtedness. ISPC filed a 1099C but I did not receive any income from this debt, this is FRAUD.

The company has violated my rights under the Privacy Act of 1974.

It is illegal to report transaction history and credit utilization 10 % or lower.

15 USC 6802 15 USC 6805 Additionally, it is my understanding that you are selling my securities on the secondary market. I will be forced to report my findings to the SEC for securities fraud alongside a financial securitization audit of my account.

See Report Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: FL

Complaint narrative:
XXXX, XXXX, and Experian are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, XXXX, and Experian to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, XXXX, and Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, XXXX, or Experian does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX treasury XXXX form to audit consumers account. XXXX, Experian, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and15 USC 6805 Certificate indebtedness can not be reported in 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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I requested that Equifax remove a XXXX XXXXXXXX bankruptcy from my report. it was filed in 2017 and my understanding is a XXXX XXXX gets removed or delete after 7 years from the file date. now XXXX and XXXX both have already removed this negative item off my report as I'm trying to rebuild my credit score. I have tried multiple time to dispute it with EQUIFAX and they have failed to help me and in some instances have told me that it gets removed after 10 years which is incorrect info. it also states on their own website that XXXX XXXXXXXX gets removed after 7 years which is now ... can you please help me in removing this XXXX  XXXX off my report from 2017 US BANKRUPTCY COURT XXXX IS XXXX REFERENCE # XXXX XXXX XXXX. IT WAS DISCHARED I DID EVERYTHING RIGHT. now I ask that it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX reported a bankruptcy upon consumer 's credit report without consent of consumer and should be removed immediately without delay. 
The United States Bankruptcy Court does not report any information to the credit bureaus and responsible for verifying or validating information from consumer 's credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX reported a bankruptcy upon consumer 's credit report without consent of consumer and should be removed immediately without delay. 
The United States Bankruptcy Court does not report any information to the credit bureaus and responsible for verifying or validating information from consumer 's credit files.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MS

Complaint narrative:
I am enrolled in XXXX XXXX XXXX at least half time. My school ID # is XXXX. I have graduated, but had to continue classes due to certificate/concentration classes. 

I keep contacting Nelnet via their online portal requesting deferment due being in school. Called them on the phone and they submit it.

But no one ever contacts me back and I keep getting billed, late fees, etc. I spoke to my school and they said their isn't anything on my account where they contacted them.

I have no method of resolving this except to go through you. Please help me resolve this issue. This company is the worst to deal with!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: OH

Complaint narrative:
I ADVISED THAT MY INFORMATION WAS LOST DURING THE RELOCATION OF MY TAX PREPARER. I WAS TOLD TO CONTINOUSLY MONITOR MY REPORT. I RECENTLY PULLED A COPY OF MY CREDIT AND I SEE ACCOUNTS THAT I HAVE NO KNOWLEDGE OR HAVE AUTHORIZED. I ALSO NOTICED CREDIT INQUIRIES FROM XXXX XXXX XXXX XXXX XXXX, AND XXXX THAT I HAVE NOT APPLIED FOR I CONTACTED XXXX, XXXX, AND TRANSUNION VIA PHONE AND BY MAIL ADVISING OF THE FRAUDULENT ACCOUNTS BEING REPORTED TO MY PROFILE. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT, REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS RESULTING IN IDENTITIY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-03-07 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: MD

Complaint narrative:
I am writing to dispute an unauthorized inquiry that has appeared on my credit report. The inquiry in question was not authorized by me and is unrelated to any financial activities I have undertaken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: MD

Complaint narrative:
I am writing to dispute an unauthorized inquiry that has appeared on my credit report. The inquiry in question was not authorized by me and is unrelated to any financial activities I have undertaken.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC
State: CA

Complaint narrative:
I had a previous payment agreement with the collection agency the creditor hired on their behalf. My payment agreement was not honored after they received moneys from me they recall the account and did not want to credit the money I paid. After I made several payments to negotiate with them and they never update my balance in my credit report. I contacted the collection agency which advised that the original creditor did not want to honor the payment arrangement made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Not paying Insurance ( which is in escrow ) and all phone numbers are disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: PA

Complaint narrative:
When going through my credit profile I seen hard inquiries on my report that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: OH

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my SSN Card.

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