vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX XXXX XXXX and I've decided to write this report on my own behalf. According to the Federal Credit Reporting Act ( FCRA ) codes, 15USC 1681-2 ( a ) ( 1 ) & ( a ) ( c ) and 15 USC 1681-B the accounts listed in this report should not be reflected on my credit reports as they directly violate my rights as a federally protected consumer. According to these codes listed in my statement, it is Non permissible for a creditor to report anything under any circumstances, without the proper authorization and prior written approval and instructions from me. No consent constitutes identity theft. So, as a federally protected consumer, I am exercising my rights and demanding the immediate removal and deletion of the listed accounts in this 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 2024-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: OH

Complaint narrative:
LoanCare intentionally has a process to delay release of escrow funds for insurance claim disbursements. My roofing project has been completed for 4 weeks as of XX/XX/XXXX. I have paid the roofers in full. LoanCare has this documentation which evidences the project is complete and the roofer is paid in full. In order to release my funds from escrow LoanCare indicated that it needs to complete an inspection of the work. They will not accept sign off from the insurance company. After 4 attempts the past month to get an inspection completed by LoanCare, an inspector called me and said it's not really an inspection and nor does he get on tbe roof. He put me in touch with the owner of the inspection company who told me she apologizes for the delays and went on to share that LoanCare delays this process frequently and the inspections are baseless. 

LoanCare actually never completed the inspection. At this time they called on XX/XX/XXXX with a voicemail that my escrow funds of {$6900.00} will be sent via XXXX. This has still not occurred. 

Other payments were significantly delayed even through LoanCare deposited tbe funds in XXXX when it received the insurance funds of {$46000.00}. 

LoanCare intentionally makes this process move slowly and impossible to navigate so that it can benefit from unjust enrichment on income spread. 

In addition to escrow funds due to me, I want to be compensated for lost income on my own funds by paying the roofer out of pocket and now fighting to get my money. LoanCare has all documents evidencing completion of the project. Even tbe insurance company 3 weeks ago released its depreciation holdback.

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 2024-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Borrower was placed on Social Security XXXX ( XXXX ) since XXXX following being a XXXX XXXX at the XXXX XXXX XXXX. 

Mortgage company XXXX XXXX  and it's Servicers XXXX XXXX, PHH, Ocwen Loan Servicing , Inc. have continually manipulated terms of loan/mortgage without the knowledge of borrower. 

Mortgage Company began refunding on-time mortgage payments made during Covid-19 causing an increasing arrears on account in furtherance of borrowers financial hardship. 

Mortgage generated in XXXX for {$120000.00} and principal balance has ballooned and currently sits at approximately {$210000.00}. 

Attempted modification x2 making required trial monthly payments x3 whereby mortgage company failed to provide final modification contract for endorsement. 

XX/XX/XXXX Federal assistance provided approximately {$50000.00} paid directly to lender to assist bringing account current. Due to lender predatory accounting practices debitor remained in arrears with a mere fraction of these monies applied to Principal balance. 

Refusing to address and rectify blatant accounting errors negatively effecting account balance/arrears lender notified borrower of their intent to foreclose in XX/XX/XXXX while refusing to respond to any efforts or attempts of borrower to resolve outstanding arrears. 

Monthly payment {$1400.00} -Borrower received XX/XX/XXXX Total Due bill of {$29000.00} with the subsequent month ( XX/XX/XXXX ) demand for Total Due of {$35000.00} which is ridiculous and categorically impossible to eclypse via savings and pay receiving a mere XXXX payment of $ XXXX/monthly. 

Assigned Loan Service entities XXXX XXXX and PHH have continually failed to accept and/or return our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XXXX is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Huntington XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
My lease with Hyundai Motor Finance ends XX/XX/XXXX. In mid-XXXX  I requested the payoff amount ( {$17000.00} ), received that on XX/XX/XXXX, good through XX/XX/XXXX. I submitted the requested odometer statement on XX/XX/XXXX, and then again on XX/XX/XXXX at Hyundai 's request. I used the online tool to pay my personal property tax ( {$630.00} ) on XX/XX/XXXX. The agent said to use the same online tool to send the payoff amount, which I did on XX/XX/XXXX. The payment history shows that Hyundai processed this payment ( {$17000.00} ) on XX/XX/XXXX, and the funds were taken from my checking account on XX/XX/XXXX. I cancelled my automatic monthly payment ( {$81.00} ) on XX/XX/XXXX since the payoff amount was good through XX/XX/XXXX. They still have not sent me the title. 

I've made NUMEROUS calls and have various complaint and case numbers. One supervisor early on told me that they deducted the XXXX payment from my personal property tax payment ( even though the XXXX payment wasn't due because I paid off the lease on XX/XX/XXXX ), and this screwed up everything. Many, many phone calls later, and after so-called escalation to " corporate, '' they claim that they can't get their system to apply my payments correctly. The last I heard ( yesterday I got a text ), they're still working on it, but nobody seems to know how to get the system to apply my payoff amount correctly. They actually said 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 2024-07-11 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: SC

Complaint narrative:
I originally reported the account- XXXX XXXX XXXX ( amount {$4000.00} ) to the bureaus because I did not knowingly agree to XXXX timeshare putting a credit card in my name and charging it. XXXX removed the account, but Equifax and XXXX did not - due to the credit card company reporting as accurate. 

I contacted the credit card company on XX/XX/scrub>XX/XX/2024 and explained the situation. They closed the account and put it under investigation. I asked if I could receive something stating that the account was closed so that I can report to the credit bureaus. The rep told me I'd have to mail in a request for that, which didn't make any sense to me. I filed another dispute with XXXX and Equifax that the account was closed. The credit card company still reported the account as active. 

I called back on XX/XX/XXXXXX/XX/2024. They confirmed that the account was closed and stated that it would take 30 days to investigate. I asked why I needed to mail in a request for proof of account closure and/or investigation status. That rep to me I didn't need to mail anything. She confirmed my address and told me I'd receive something within 7-10 business days. I did not. 

I called back XX/XX/2024 and they first said a letter did go out. After repeating that I never received anything- she said they don't have a way of resending. I told her that made no sense. She then placed me on hold and came back minutes later to say that a letter was actually sent out on XX/XX/XXXXXX/XX/XXXX. When asked why it wasn't sent out on XX/XX/XXXX - she stated that the address wasn't updated. I told her that I've spoken to Noone from XX/XX/XXXX - to XX/XX/XXXX - so what address did they send to? She refused to provide an address. She then said she needed to transfer me to security so that they can get the correct address from me ( despite them already sending me a bill previously ). She also mentioned that the investigation may take 90 days. I told her that I was first told 30 - now she's saying 90. She said it takes up to 2 billing cycles, not exceeding 90 days. 2 billing cycle is 60 days - so nothing she said makes sense. 

She then transferred me to security, and I had to provide the address again. 

It seems as though I'm just being told misleading things. I haven't received anything regarding the investigation, and I don't understand why the company is still reporting the account as active to the bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: SC

Complaint narrative:
I originally reported the account- XXXX XXXX XXXX ( amount {$4000.00} ) to the bureaus because I did not knowingly agree to XXXX timeshare putting a credit card in my name and charging it. XXXX removed the account, but XXXX and Experian did not - due to the credit card company reporting as accurate. 

I contacted the credit card company on XX/XX/year> and explained the situation. They closed the account and put it under investigation. I asked if I could receive something stating that the account was closed so that I can report to the credit bureaus. The rep told me I'd have to mail in a request for that, which didn't make any sense to me. I filed another dispute with Experian and XXXX that the account was closed. The credit card company still reported the account as active. 

I called back on XX/XX/XXXX. 2024. They confirmed that the account was closed and stated that it would take 30 days to investigate. I asked why I needed to mail in a request for proof of account closure and/or investigation status. That rep to me I didn't need to mail anything. She confirmed my address and told me I'd receive something within 7-10 business days. I did not. 

I called back XX/XX/year> and they first said a letter did go out. After repeating that I never received anything- she said they don't have a way of resending. I told her that made no sense. She then placed me on hold and came back minutes later to say that a letter was actually sent out on XX/XX/XXXX. When asked why it wasn't sent out on XX/XX/XXXX - she stated that the address wasn't updated. I told her that I've spoken to Noone from XX/XX/XXXX - to XX/XX/XXXX - so what address did they send to? She refused to provide an address. She then said she needed to transfer me to security so that they can get the correct address from me ( despite them already sending me a bill previously ). She also mentioned that the investigation may take 90 days. I told her that I was first told 30 - now she's saying 90. She said it takes up to 2 billing cycles, not exceeding 90 days. 2 billing cycle is 60 days - so nothing she said makes sense. 

She then transferred me to security, and I had to provide the address again. 

It seems as though I'm just being told misleading things. I haven't received anything regarding the investigation, and I don't understand why the company is still reporting the account as active to the bureau.

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 2024-07-11 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: Global Lending Services LLC
State: IL

Complaint narrative:
I'm REWRITING to complaint to GLOBAL LENDING SERVICE about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
RFBCU has been reporting an account to all credit agecnies with incorrect information, i have disputed this and they responded stating the information reported is correct. The informatinon reported is not correct because the address listed does not belong to me I have attached a copy of the letter sent to RFBCU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX, account numberXXXX. XXXX XXXX XXXX, account number : XXXX. And XXXX XXXX XXXX account number : XXXX, have violated my rights. 

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

And according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was approved for a new XXXX card through Wells Fargo on XX/XX/year>. Recieved email stating I was approved, my INSTANT limit and my limit once I confirm my card has arrived in the mail. Also in same email, stating I can use instantly by downloading app and using my digital wallet. Following those instructions, I need to call the bank for them to verify its me, in doing so, they tell me I am able to use card until I receive the plastic in the mail. I recieved a false document stating my instant credit limit that I can't use.

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 2024-07-11 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: WI

Complaint narrative:
I am a victim of identity theft. Experian has added accounts to my credit report without a permissible purpose and without conducting a proper investigation to ensure that the information they were receiving was in fact accurate. Their failure to follow the rules created for them by congress under the fair credit reporting act has ruined my reputation, cost me actual damages and financial hardship! This is unfair!!! Experian has failed to honor my right to privacy by allowing access to my credit report without a permissible purpose.

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 2024-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NH

Complaint narrative:
This is stemming from the previous issue I had. 
Marcus Goldman Sachs fraud depth told me they could let my {$1200.00} transfer to XXXX XXXX XXXXXXXX XXXX go through, as my account got verified last night XX/XX/year>. Today, XX/XX/year> I received a call from Marcus saying part of the funds were on " hold '' until they clear. They already cleared my bank. .I transferred on XX/XX/XXXX, so it has been over a month. The Marcus rep told me when I signed with the bank. I gave them permission to hold my money indefinitely. That seems like theft to me. He would not give me information about how long my money will be held for he said it can go back to the original account. The problem is, when I linked my bank account to them, my mothers was linked as well without my permission. So when I transferred out of what I thought was my account, and i think it ended up being my mother 's. Medicaid now owns that account and Marcus will not tell me if the rest of the funds came from a checking or a savings account. I am really tired of trying to regain control of MY money. How is this legal for them to do this? I have never been treated like this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: TX

Complaint narrative:
My repeated efforts to resolve the fraudulent, inaccurate, and misleading entries on my consumer report have been unsuccessful. These items have severely disrupted my life, leading to considerable stress. I emphasize that I never authorized this information to be linked to my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief