vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I switched insurance carriers on the mortgage. I transferred from XXXX ending on XX/XX/2023 to XXXX XXXX starting on XX/XX/2023. 

Freedom Mortgage is trying to charge me {$7.00} dollars annually for insurance coverage for XX/XX/2023. Even though I already had insurance thru XXXX for that day. Coverage lasted until XXXX XXXX and at XXXX XXXX on the XXXX XXXX XXXX became effective. 

I tried to resolve this with Freedom Mortgage but kept getting g the response that the industry standard is to have overlapping coverage. Neither insurance carrier nor anyone else I have talked to has heard of having to have overlapping coverage. Nor is overlapping covers in my mortgage contract. There is no need from the document I signed stating that I have to have dual insurance for a 24 hour period if I change carriers.

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 2023-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Data and Contact Management Solutions, LLC
State: WA

Complaint narrative:
XXXX mother passes XX/XX/XXXX dcm services sends letter for owner of estate of my mother eluding to finances and possible debts owed. Only asking for contact information. 
XXXX letter received at home XX/XX/XXXX contacted XXXX  state attorneys for advise XX/XX/XXXX contacted XXXX  state attorney generals office XX/XX/XXXX ran credit report on mom. Saw no debt and no outstanding debt confirming no issues or reason for dcm contact or need for information. Checked credit scores and near perfect scores. 
XX/XX/XXXX XXXX  state atg office responds with complaint forms and how to find XXXX  state attorneys. 
XX/XX/XXXX filed complaint with XXXX  XXXX XXXX office XX/XX/XXXX filing complain with CFPB No response has been given to dcm services due to vague request and eluding to debts owed. Giving contact information can possibly open vulnerable parties to further malicious intentional harassment, coercion, or extortion. Under no circumstances will we ever reach out to the company for more information without them first giving a reason for why they are contacting my mom 's estate so soon after her death.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: City Enterprises, LLC
State: TN

Complaint narrative:
I have disputed the balance with creditor, XXXX, XXXX and XXXX. Account balance and status reported is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have paid debt in full to lenders. The company has sent me a discharge letter in which I have sent to all 3 credit reporting agencies. All 3 agencies have yet remove this item off my credit report. I have sent letters and documentation to all three agencies regarding this matter with no solution.

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 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A corporate credit card went into default during COVID. Bank of America refused to continue to wait until the company was able to fully operate again. 
Bank of America started withdrawing all of my funds from my personal bank account, often leaving me at a XXXX balance then charging me NSF and Overdraft fees. 
My constant requests for the contract that they stated I signed authorizing them to do this continued to be denied and I recently found out through an attorney that they are obligated to provide this to me even if they say I already have 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 2023-12-19 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 CAN NOT BELIEVE HOW XXXX STUPID PEOPLE AT TRANSUNION CAN BE. 

THE ORIGINAL PROBLEM IS A CHRONIC ONE -- EACH TIME I RETURN TO THEIR SITE MY PASSWORD DOES NOT WORK AND THIS LAST TIME I COULD NOT EVEN CHANGE THE XXXX THING. 

AFTER I MADE A COMPLAINT HERE, THESE BOZOS EMAILED -- YES, EMAILED -- A PASSWORD THEY CREATED TO ME ( I HAVE THE EMAIL ) THEY CREATED THIS, THEY JUST SENT IT BY EMAIL, NO EFFORT TO ENCRYPT IT, DISGUISE IT, NOTHING. 

THIS JUST SHOWS 1 ) HOW THEY FAIL TO TAKE ANY PROBLEM THEY CREATE SERIOUSLY. THESE PEOPLE VIOLATED MY PRIVACY, THEY ENDANGERED MY PRIVACY AND THEY SHOW THEY ARE SO CAVALIER ABOUT THEIR STUPID WEBSITE AND ITS FAILURES. I GUARANTEE YOU, I HAVE MANY PASSWORDS AND EACH TIME I NEED TO USE THEM, THEY WORK UNTIL I UPDATE THEM. 

THESE ARROGANT AND STUPID PEOPLE AT TRANSUNION EITHER THINK I AM STUPID OR THEY ARE STUPID BECAUSE NOBODY WHO HAS ANY COMMON SENSE ABOUT THE INTERNET AND EMAIL WOULD EVER EVER EVER JUST EMAIL A PASSWORD WHICH ANYONE CAN SEE OR GET AND LET 'S BE REAL, IT IS THE MOST INSECURE WAY TO SEND INFORMATION. 
THEN, TO ADD INSULT TO INJURY, THE STUPID TRANSUNION PEOPLE BLEW ME OFF WHEN I TOLD THEM I DID NOT GIVE XXXX  XXXX PERMISSION TO MAKE AN INQUIRY ON MY CREDIT REPORT. YES I DID GIVE XXXX  PERMISSION, YES I DID GIVE XXXX BUT ONLY TWO AND THESE TRANSUNION PEOPLE JUST BLEW ME OFF AND SAID GO TO THE POLICE. WHAT THE XXXX IS WRONG WITH THEM? 
I WANT THAT OFF MY CREDIT REPORT AND ANY PENALTY OR DROP IN SCORES DUE TO THAT BE REVERSED. I DO NOT SEE XXXX XXXX ON ANY OF THE OTHERS. AND IN FACT, THE OTHER TWO ARE SOOOOOOOOOOO MUCH EASIER TO WORK WITH. 
I HAVE MY PASSWORDS I KEEP SAFE, I LIVE ALONE, AND UNLESS MY CAT IS INTERESTED IN MY CREDIT REPORTS, NO ONE HAS ACCESS. 
THIS HAS SO ANGERED ME NOT ONLY THEIR ATTITUDE OF BLOWING OFF PEOPLE, THEIR LAX PROTECTION OF MY CREDIT REPORT BUT TO EMAIL ME EMAIL ME A PASS WORD. THIS SHOWS THEY THINK THIS TO BE OH SO BOTHERSOME TO THEM WHEN THEY SHOULD BE SERIOUSLY CONCERNED ABOUT WHY THEIR XXXX WEBSITE CONSTANTLY HAS A PROBLEM WITH KEEPING THE PASSWORDS OKAY OR WONDER WHY THEY DO NOT WORK. 
EITHER SOMEONE ALWAYS TRIES TO HACK THESE PEOPLE AND THE PASSWORDS STOP WORKING OR SOMETHING ELSE IS WRONG AND SENDING ME A PASSWORD XXXX EMAIL IS BEYOND STUPID. 
WHAT IF I COULD NOT GET TO MY EMAIL FOR A FEW DAYS? 
WHAT IF SOMEONE ELSE SHARED THIS EMAIL OR GOT INTO IT? 
I WANT 1 ) THE HIT ON MY CREDIT REPORT FROM XXXX XXXX REMOVED AS I WOULD NEVER ASK THEM FOR CREDIT IN A MILLION YEARS AND 2 ) TRANSUNION PUNISHED FOR THEIR LAX ATTITUDE TOWARD MY PRIVACY. IF THEY DO IT TO ME, THEY DO IT TO OTHERS.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: U.S. BANCORP
State: MD

Complaint narrative:
I have sent out an opt notice that I have attached to U.S. Bank per 16 CFR 313.7. U.S Bank disclosed my personal information to nonaffiliated third parties including XXXX, XXXX, and XXXX. This directly goes against the Privacy Act of 1974. I sent U.S Bank a letter notifying them of this issue on XX/XX/XXXX and I have not received a response or a resolution of this issue.

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 2023-12-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I was living in XXXX XXXX  XXXX since XX/XX/XXXX with a lease end date of XX/XX/XXXX. I did reach out to the manager in XX/XX/XXXX asking early move out is possible since I bought a new home. Manager approved the move out of XX/XX/XXXX in writing after few rounds of discussions. Manager had asked me to come to the front office again by XXXX XXXX month end to note down the prorated rent for XXXX, which I did and paid the amount by Cashier cheque. I have attached all the evidence with this complaint. Since the property manager approved the move out in writing and I settled prorated amount noted by the Property officials, it is not an unlawful move out. I see that XXXX and Genesis Debt collection is trying to collect {$2000.00} in the name of XXXX  change term fee, which is not documented anywhere in the lease and also, I was not informed when the property manager had approved the early move out in writing as well. If XXXX is trying to collect the remaining lease amount + unlawful early move out and reletting charge of {$1300.00} in lease term XXXX then it is not valid, as my move out does not qualify under unlawful move out since Property manager had approved the move out and Leasing officials had shared the prorated amount what I should pay for XX/XX/XXXX before I move out, which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have paid debt in full to lenders. The company has sent me a discharge letter in which I have sent to all 3 credit reporting agencies. All 3 agencies have yet remove this item off my credit report. I have sent letters and documentation to all three agencies regarding this matter with no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2023, I was coming out of XXXX XXXX XXXX  where XXXX men of XXXX approached me asking to help them. They needed money transferred to a XXXX  card from a XXXX XXXX account. Due to feeling afraid and bodily harm, I did my best to comply after the XXXX became irate and defensive. I handed my phone over where my bank app was open and someway somehow, they were able to open up a personal expense loan for {$7000.00} dollars. They claimed it was their money, I immediately called XXXX XXXX where they explained they opened up a loan. I did not understand how this was able to happen as there should have been a security window to get through. For example, code word or social security number. XXXX XXXX received an affidavit of forgery and investigated it further to realize no error was done. I honestly disagreed with this investigation, so I filed an appeal. At the end of the day, I was placed in harm 's way and XXXX XXXX still has this loan open where I am unable to make payments. I feel this needs to be wiped off my credit. While it says, I am the borrower of the loan - I did not authorize this. These XXXX men were able to get through to get a loan without proper security measures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report is showing inaccurate information I am very concerned, because this is affecting my ability to get credit. I am single dad am not able to get a new apartment because of these errors. I am being ignored and XXXX is disregarding my disputes. This is a violation and I demand this be corrected by you.

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 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have paid debt in full to lenders. The company has sent me a discharge letter in which I have sent to all XXXX credit reporting agencies. All XXXX agencies have yet remove this item off my credit report. I have sent letters and documentation to all three agencies regarding this matter with no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: PA

Complaint narrative:
I received a letter from American Coradius International LLC, dated XX/XX/XXXX, saying I owe {$110.00} as a result of my XXXX account. 
This XXXX account has had only credit card payments made with it, starting in XXXX, when I closed the business associated with this XXXX account. 
I am writing to you because I have read on the internet that this collection agency may be a scam operation. 
I would like your help in closing this matter, and erasing this fake debt from my credit report. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have provided the company with proof that I paid the loan off. It was a {$35000.00} loan. I paid it on time every month. I have provided the bank with proof I made the last payment. It is saying I missed the last payment. Why would I pay the entire loan down and then mess it all up by not making the last payment? It was with XXXX that then turned to XXXX and now it is XXXX. It has changed two times and no one will respond to me XXXX. They told me there is nothing they can do about it. I received this response from XXXX when I tried to have them fix it. 

The amounts that are provided by XXXX as money owed and money paid do not match the emails I provided that are from XXXX, proving that the information no matter what is in error yet they have refused to change it. 

" We are unable to assist you directly here at XXXX as we do not have the loan any longer. The loan is now with XXXX Bank XXXX Department. '' When I tried to speak with XXXX they refused to speak with me any other way than on the phone. It is my understanding that they violated the ADA by demanding that I only be permitted to communicate with them by phone to have my credit report fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent a letter requesting a copy of my credit report to no avail.

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 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Debt validation letter sent to LVNV Funding LLC and no reply to my request for proof of debt and or written/verbal contracts with LVNV Funding LLC XXXX I disputed this debt reporting with XXXX and XXXX is still reporting the collection as verified. I have not received any valid notification/proof as to how this was verified. I no debt or business with LVNV Funding LLC nor have I agreed to anything that would allow LVNV Funding LLC to legally report a collection on my credit file. This collection violates my right under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I rented a car in XXXX from XXXX XXXX on XX/XX/ and the plastic fell off my mirror And I had insurance through the AMX credit card and XXXX XXXX took XXXX for the damage And then I called AMX and told them everything and they asked for XXXX XXXX photos and in the end they didn't send anything so AMX threw the ball at me and they simply caused the damage to my account Now I'm appealing to you to do the right thing and oblige AMX to refund me the full amount plus a tip for the great injustice they did to me instead of returning the money immediately from XXXX XXXX and paying them from the insurance I have on the card only after XXXX XXXX sends them the photos, they caused me great damage I would like the money back immediately and to add the interest for the entire time the money was in AMX 's hands

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Apple Card/ Goldman Sachs closed my card on XX/XX/2023. I have always paid my balance as requested on time. I telephoned Apple Card three times. I was told that they would not provide additional information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Improper Use Of My Consumer Report. 
Do Not Have Consent To Have Or Use My Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: DC

Complaint narrative:
Improper Use Of My Consumer Report. 
Do Not Have Consent To Have Or Use My Information.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After reviewing my Consumer Report, I saw that I had a late payment on my report for an account that I had never been late with before. Consumer Reporting agencies are required based on FCRA 15 U.S. Code 1681B to furnish information on a consumer report to their best ability of Maximum Accuracy. The information on my credit report for XXXX XXXX account XXXX was reported inaccurately and has furnished information that my store card payment was late which it had never been late. If the Consumer Reporting Agency can not furnish or prove this information to be accurate it needs to be updated to current for all months and any late information needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: OH

Complaint narrative:
I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me.

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