vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I contacted Mr. Cooper in XXXX to request removal of PMI. The value of the property had significantly increased and improvements had been made. I believed the value significantly exceeded the PMI amount. Because the loan was less than XXXX XXXX XXXX they required an expensive reappraisal. I was encouraged to wait a few months call back because there were additional options for XXXX XXXX loans after XXXX. I then contacted Mr. Cooper by phone in XXXX of XXXX requesting that PMI be removed. I was told they needed a request in writing. I sent a letter requesting PMI removal -I believe late XXXX or early XXXX. I have not heard back after several months. I called today and they claimed they never received the written request, but they now could take request over phone - after denying this opportunity last XXXX. The person on the phone started asking the same basic questions and again I got nowhere. The person was patronizing and clearly had no desire to help resolve the situation other than going through an algorithm and then telling me to submit the request in writing. So incredibly frustrating. Mr. Cooper has no incentive to get the PMI removed as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 6o2 states I have a right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've noticed unfamiliar items on my credit report, suggesting potential identity theft as I haven't authorized these accounts. I've previously raised this concern, and now I urgently request the removal of these accounts from my report. Their presence is causing significant stress as they do not accurately reflect my financial history or management. Addressing this issue has been challenging, and if a resolution isn't reached, I'm prepared to seek legal recourse to safeguard my rights and resolve the matter. These inaccuracies are hindering my ability to achieve crucial financial milestones such as homeownership and providing for my family. I earnestly hope for a prompt resolution to this matter.

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 2024-06-05 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for an XXXX XXXX credit card and was rejected by Citi Bank. The reason they gave is that I have no recent loan payment information. I called them and explained, that the reason I have no loan payment is because I have no loans. I explained that I had previously called my credit bureau and they had told me that my XXXX XXXX and report were very good as I have no debt either. I have multiple credit cards and all are paid on time. However, the manager I spoke with at Citi said that it was their policy that they would only approve credit cards to those with loan payments. The manager also refused to flat out say that in order to have the credit card, I need to take out a loan but kept iterating that loan payments were necessary. This is a very predatory practice. I have a very good credit score and a very good credit report. It is very disappointing that XXXX XXXX lost a customer due to the unethical practices of Citi bank.

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 2024-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
FICTITIOUS ACCOUNT OPEN UNDER MY PERSONAL INFORMATION WITH YOUR COMPANY ONE MAIN account # XXXX date open XX/XX/2022 I believe that I have been receiving communication from your company in relation to allege account. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and any other applicable Florida state laws ( FCCPA ), that all communication regarding this ALLEGE matter cease immediately. 

CEASE ALL REPORTING OR SHARING OF MY PERSONAL INFORMATION I HAVE Attach FTC REPORT, POLICE REPORT AND AFFIDAVIT OF FICTITIOUS ACCOUNT please remove and re-investagte

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: CT

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: RI

Complaint narrative:
Southwest credit systems keeps adding and removing {$1.00} from my account monthly on updates. They are using a tactic to trash my credit report since it looks like a fresh collection every time it gets updated. Please see attached files for photo evidence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've noticed some unfamiliar items on my credit report, indicating potential identity theft as I haven't authorized these accounts. This situation has been previously discussed, and I'm now requesting expedited removal of these accounts from my report. Their presence is causing considerable stress as they inaccurately reflect my financial history and management. Addressing this issue has proven challenging, and if resolution isn't achieved promptly, I'm prepared to seek legal recourse to safeguard my rights and seek a resolution. 

These erroneous entries on my credit report pose a significant obstacle, hindering my ability to achieve important financial milestones such as homeownership and supporting my family. I'm hopeful that we can swiftly rectify this matter and restore accuracy to my credit profile.

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 2024-06-05 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: MD

Complaint narrative:
15 U.S.C. 1681 ( Fair Credit Reporting Act ) Consumer 's Right to Maximum Accuracy : Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to maximum accuracy on their credit reports. This means that credit reporting agencies like TransUnion have a legal obligation to ensure that the information they report is accurate, complete, and up-to-date. 

Facts of the Complaint : On XX/XX/year>, TransUnion sent me a secure letter confirming that the disputed item " XXXX XXXX '' was immediately deleted from my consumer file. 
On XX/XX/year>, TransUnion informed me that " XXXX XXXX '' was back on my consumer file and claimed to have verified the account. 
Issue : TransUnion can't verify an account that was previously deleted. Their actions raise serious concerns about their compliance with the FCRA and commitment to maintaining accurate consumer credit reports. 

Consumer 's Rights Violated : TransUnion 's actions have violated my right to a fair and accurate credit report as guaranteed by the FCRA. The reappearance of a deleted account and the dubious claim of verification demonstrate a disregard for the accuracy and integrity of my credit information. 

My last name is popular. I am not the XXXX who owns these accounts, and just calling the data furnished to verify a common last name doesn't ensure accuracy and compliance with the FCRA. The CRA is guilty of what they do to the general public.

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 2024-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: OH

Complaint narrative:
Ive always been continuously in school. So Im not supposed to be charged interest or be asked to pay back my loans until I graduate. Ed financial has been charging wrongful interest and stating Im late on payments for almost a year now. Ive contacted them several times to fix this issue one time being XX/XX/2023 and again the is year ( I recorded the conversation from this year ) where they once again admitted it was their error and lied that they would fix it. They even confirmed the XX/XX/2023 conversation I had with a supervisor. Im being charged wrongful fees and late payments wrongfully being reported to my credit when Im still in school and submitted proof several times. Not to mention the constant harassment of them telling me Im behind in payments Im not even supposed to be making now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 explanation
Consumer complaint received 2024-06-05 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Supreme Lending
State: GA

Complaint narrative:
On XX/XX/year> I purchased a house subject to from The XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX and XXXX XXXX ) sold the house seller finance. I paid {$30000.00} down and {$1800.00} per month for several months. Supreme Lending is stating there was an authorized transfer of the securities. I have been asking XXXX XXXX, XXXX XXXX and XXXX XXXX along with the previous owners XXXX and XXXX XXXX for my {$40000.00}. Supreme Lending wouldn't accept my payments on the phone and wouldn't accept when I didn't have his social security number. XXXX XXXX had the Mortgage Statements sent to his house from XXXX and this caused a breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am reaching out again for a copy of the school misconduct form for the XXXX XXXX. While my loans were refinanced just a couple of months ago, I feel like I should be reimbursed for all monies paid since the school has been closed, repeated sued for fraud, and all federal loans have been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Someone charged over {$7000.00} on my american express amex everyday card. The purchase was made online. During that time my email was compromised and phone as well. I have documentation to prove this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I uploaded a dispute letter to Experian on their online portal requesting an investigation into inaccurate items on my credit report, as well as incorrect personal information. I took care to include a copy of my photo ID, social security card, and recent bill with my current address to assist Experian in verifying my identity and address. 

However, I did not receive a response from Experian with the investigation results. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is evident that Experian failed to fulfill this obligation by not conducting a reasonable investigation upon receipt of my dispute.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I was issued an AMEX card through XXXX XXXX I've used AMEX cs three times to get into the app to pay my bill, then I lose access. Can not use app and I refuse to give my bank info to anyone in a foreign country. 
They keep gaslighting me in a very misogynous way. 
I just want access to the online app to pay my bill without this drama every month. I've changed my password twice already. The problem is AMEX, not me.

Company response to consumer: Closed with explanation