vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: NC

Complaint narrative:
THIS COMPLAINT IS AGAINST : REVERSE MORTGAGE FUNDING LLC- CORPORATE HEADQUATERS located at : XXXX XXXX XXXX ( Second Floor ) XXXX, NJ XXXX Main Telephone Number : ( XXXX ) XXXX NMLS ID - XXXX AND ( Both of which are the same company ) REVERSE MORTGAGE FUNDING LLCXXXX Customer Service Department XXXX XXXX at : XXXX XXXX XXXX XXXX, MI XXXX Customer Service Number : ( XXXX ) XXXX Email Address : XXXX WHAT HAPPENED : ( This is in respect to Loan Number : XXXX, and a Loan Statement is attached onto this Complaint for the Company 's Identification, including their current addresses. TO THE CFPB Staff : please see the attachments on this Complaint ) : I attempted to make Payments to Reverse Mortgage Funding in XXXX of 2022, XXXX of 2022, XXXX of 2022, and XXXX of 2022 ; however, Reverse Mortgage Funding have continued to charge me Interest and Fees while at the same time, refusing to accept any payments on the loan in part or in full through my refinancing the debt for over the last nine months, and are actively trying to force me into Foreclosure Proceedings through predatory lending practices. 

Reverse Mortgage Funding has also refused to sign-off on two checks that were issued to me by my Homeowners Insurance Company in XXXX of 2022 in order to make safety related repairs to my house, which is preventing me from being able to Refinance or Sell the home. 

The home went under contract for sell in XXXX of 2022 for {$320000.00} thousand dollars, however after the buyer was told about the Safety Related Repairs not being made ( which is a requirement by Law to disclose during any Real Estate transaction ), the Company pulled out of the deal and canceled our contract to buy the property due to the condition of the home, end quote. 

They are an Investment Firm located out-of-state and were going to buy the house and use it as a Rental Property, however until all the safety related repairs are made, nobody can live inside of the home due to the risk of Fire, and/or the potential hazard of Electrical Shock. 

Between XXXX of 2022 and XXXX of 2022, Reverse Mortgage Funding has charged me over {$5500.00} dollars in Interest and Fees which is an illegal act of self-enrichment, while at the same time, have been preventing me from paying off the debt in full or from making any payments that would lower the interest during their attempts to force me into Foreclosure. 

Reverse Mortgage Funding doesnt want any payments from me at all ( and by their own words, they wont accept any either ) ; Reverse Mortgage Funding just wants to take the house for profit, and as evidenced by their actions, will do anything to get it!

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 2022-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I received communication from XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX that a new debt collection account from Radius Global Solutions was added to my credit report. It states that this is for a medical collection in the amount of {$300.00} from XXXX, however I have never received any form of communication regarding this.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the accounts listed below. These accounts are showing late payments and I am sure I have never been late. I have requested a statement proving the late payments, but no verifying document has been received. The following accounts are reporting incorrectly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-09-25 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: NJ

Complaint narrative:
XXXX having hard inquiries dont know where they came from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25 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: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
This company inquired my credit report without my authorization on XX/XX/XXXX and XX/XX/XXXX of 2022. I called them on XX/XX/2022 and after a long wait on the phone where I complained about them pulling my credit without my consent the agent on the line cut the call claiming he could not hear me. I bet he could hear me he just did not want to address the issue. I sent a letter on XX/XX/XXXX asking for the consent or have my inquiry removed. They have not replied to me. And after this bad initial impression on the phone, I feel like they will also ignore my letter.

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 2022-09-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Collection was placed on my credit in error. This collection is fraudulent. I have been trying to remove it for months. This collection has not been investigated. I need this to be deleted.

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 2022-09-25 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: LA

Complaint narrative:
This is not a DUPLICATE Report and this not filed by a 3rd Party or Credit Repair Company. 

I just reviewed my credit report and these accounts below that violate my rights In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated 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 a account without my written instructions XXXX. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : Equifax XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: LA

Complaint narrative:
This is not a DUPLICATE Report and this not filed by a 3rd Party or Credit Repair Company.

I just reviewed my credit report and these accounts below that violate my rights In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated 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 a account without my written instructions 1. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # 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 2022-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I, XXXX XXXX, attempted to open a joint checking account at Chase Bank with my husband, XXXX XXXX, shortly after our marriage to deposit the checks that were given to us jointly although made out to one or the other of us. I went individually to the Chase branch in XXXX XXXX XXXX XXXX, and informed them of my wish to open a joint checking account. They said that was fine as long as my husband went into another Chase branch and finished opening the account. He went within two days to a branch by XXXX XXXX XXXX XXXX to finish opening the account, and was told by the representative there it was complete. I then proceeded to deposit checks made out to both him and me on the Chase mobile banking app. I deposited a total of {$5300.00}. Unfortunately, the person who was helping my husband did not actually complete registering him for the account despite telling him that he had, and so the checks I deposited that were written to my husband were marked as fraud. My husband returned to that Chase branch to clarify what had happened, we went together to a Chase branch in XXXX XXXX, NY to tell them and provide proof that XXXX XXXX was present with his government issued ID and saying it was not fraud that XXXX XXXX tried to deposit checks written to him from our wedding, and we called the complaint escalation number three times. We were told by everyone that the only way to resolve the fraud complaint was for Chase to contact the people who had written the checks I deposited under my husband 's name and confirm with them that there was no fraud. However, there were {$3100.00} worth of checks I deposited under my husband 's name, each one written in $ XXXX {$300.00} increments, and none of our wedding guests picked up the phone when Chase tried to call them to clarify. As far as we know, they called from an unknown number and Chase would not tell us if they left a voicemail. They also wouldn't tell us if they tried to call the wedding guests more than once. Chase closed the account, refunded me the checks written out to me ( for a total of {$2200.00} ), but still over a year later has not refunded the {$3100.00} in checks written to my husband that I tried to deposit because of this theoretical concern of fraud even though we clarified with them that there was no fraud. The issue was ultimately Chase 's mistake because an employee at their XXXX XXXX branch did not register my husband to the account despite verbally telling him that he had. Chase have given us no alternative path to resolution and has told us that there is no one higher in the organization that we can contact. They have held our {$3100.00} for over a year. 

The account was a Chase Total Checking account number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter dated XX/XX/22 to Experian advising that there was incorrect, and outdated information on my credit report including an old employer and my legal name is STILL incorrect. The name should be XXXX XXXX XXXX. The outdated employer was updated deleted however may name was still not updated.

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 2022-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Opened business credit card account with Citizens bank ( all of my banking and mortgage are with them, so I accepted when representative offered me business credit card ). I always make my monthly payments on time and have XXXX XXXXXXXX app on my phone because I like to keep my credit perfect. I always check the app monthly and app shows my " card '' ending in XXXX balance is XXXX. I received a statement from Citizens for a bill of almost XXXX $ for acct ending in XXXX. I did not recognize account XXXX, i do not have a card ending in XXXX. I surely did not spend XXXX $ and I pay my account off every single month. I called Citizens credit card department and was told that XXXX is the revolving account and XXXX is just my personal card for that account, and that the card resets every month?!?!? I have no idea what they are talking about and I have never heard about this before. I have never received a bill for this XXXX $ before and now they said they reported my credit twice!!! I feel that I was misled into this card, the {$1000.00} in fees they added to the account and the credit reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-25 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: First Help Financial, LLC
State: NJ

Complaint narrative:
Im having hard inquiries dont know where they came from

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 2022-09-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Collection was placed on my credit in error. This collection is fraudulent. I have been trying to remove it for months. This collection has not been investigated. I need this to be deleted.

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 2022-09-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Collection was placed on my credit in error. This collection is fraudulent. I have been trying to remove it for months. This collection has not been investigated. I need this to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the accounts listed below. These accounts are showing late payments and I am sure I have never been late. I have requested a statement proving the late payments, but no verifying document has been received. The following accounts are reporting incorrectly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the accounts listed below. These accounts are showing late payments and I am sure I have never been late. I have requested a statement proving the late payments, but no verifying document has been received. The following accounts are reporting incorrectly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The following accounts are not reporting properly on my credit report. Due to the inaccuracies, this is a FCRA violation and these account should be deleted immediately. 
I previous requested for these account to be investigated on XX/XX/22 and XX/XX/22. 

XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I recently received an Envelope post marked XX/XX/XXXX from Citi Bank. There was no cover letter only Account Statement from XXXX XXXX. 
I filed a Written Dispute in XXXX, regarding a Purchase I made with my Home Depo Credit card totaling XXXX. I paid the deposit on XXXX and the balance on XXXX. 
It did not show up on my XX/XX/XXXX statement with closing dates XXXX. 
On my XX/XX/XXXX Account Statement it showed up as a credit for the Total amount of XXXX, but then added right back in to Purchases totaling XXXX. 
Then on my XX/XX/XXXX statement only a partial credit was apply XXXX was credited from my account leaving a balance of XXXX. 
Then in XX/XX/XXXX statement I was charged for the XX/XX/XXXX XXXX XXXX for a then showing a Balance of XXXX. 
I was informed in writing that the total purchase amount XXXX was Charged back to my Home Depo credit card account, but as the statements prove, the balance reflected that amount included in the Total amount due. 
The Account was charged off with the incorrect balance. 
This account is discharged through Bankruptcy XX/XX/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 2022-09-25 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: VA

Complaint narrative:
XXXX is reporting fraudulent negative information on my credit report and it will need to be deleted. I'm noticing not only is information not mine but they also placed the closing date of the account as XX/XX/2022 so that it would show up on my account as new. I do not have any accounts with them that closed on XX/XX/2022. I cant believe they did this to try to ruin someone's credit. This is unlawful and inaccurate. 

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S Code 1681 ( 5 ) this account is in violation of not reporting 100 % accurate

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 2022-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I've received a packet from Wells Fargo on or about XX/XX/2022 with documentations claiming that they are validated a debt that I allegedly owe. In that very same documentation there is a Security Interest disclosure specifically says " The security interest, pledge, and assignment is given as security for any and all amounts you owe ''. 

Definition for Security Interest in reference to 15 United States Code 1667 ( 5 ) means any property which secures payment or performance of an obligation. 

My question is if security interest is " given '' to Wells Fargo to secure payment or performance of an obligation on the alleged account how is it that anything is owed if they are stating that payment is already secured? 

Either they are using false and misleading wording to coerce payment from me and is also a violation under Truth in Lending because that would mean that I was never properly informed and I never received an adequate notice from Wells Fargo. 

It is unlawful to black mail and extort to coerce payment from a consumer in reference to 18 United States Code 894 and 18 United States Code 873.

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 2022-09-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The following accounts are not reporting properly on my credit report. Due to the inaccuracies, this is a FCRA violation and these account should be deleted immediately. 
I previous requested for these account to be investigated on XX/XX/22 and XX/XX/22. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: SC

Complaint narrative:
The following accounts are not reporting properly on my credit report. Due to the inaccuracies, this is a FCRA violation and these account should be deleted immediately. 
I previous requested for these account to be investigated on XX/XX/22 and XX/XX/22. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation