vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I submit an application for additional assistance to the California XXXX Assistance XXXX. They previously made a payment to my servicer on my behalf in XX/XX/XXXX. This application is currently under review. In addition, on XX/XX/XXXX, I submitted to Loancare a complete loss mitigation application, via the XXXX XXXX XXXX on the Homeowner Portal of the website. This complete application was received by them on the same date, as evidenced by the confirmation email I received upon submission. They have failed to formally acknowledge receipt of said XXXX within the time period allowed by Regulation X ( 5 days ). In an attempt to check on the status of this application I submit to them, I logged in online and navigated to the Financial Assistance section which states I am already on a mortgage assistance plan despite this not being true. 

Moreover, they have already initiated foreclosure proceedings against me by filing a Notice XXXX XXXX with the XXXX XXXX Clerk/Recorder. It should be noted that a copy of this filing was never sent directly to me, despite them having my correct mailing address. This action was taken even though I have not received a notice pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( ii ) stating the outcome of their evaluation of my application in violation of Regulation X, 12 C.F.R. 1024.41 ( f ) ( 2 ).

I did not receive notices of the status of my mortgage being delinquent until the beginning of XXXX. I did not receive any warning that a foreclosore was imminent. I was not afforded the right to explore loss mitigation options prior to them filing a notice of default.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: GA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I filed a inquiry to Freedom Mortgage on XX/XX/XXXX as to how I could remove my PMI payment from my escrow account. Freedom Mortgage sent me a secure message back on XX/XX/XXXX and said : XXXX XXXX XXXX XXXX FHA ) loans originating after XX/XX/XXXX are not eligible for early MIP cancellation period your loan originated on XX/XX/XXXX period the FHA final billing date is XX/XX/XXXX period please note, that MIP is paid in arrears, and the final remittance is scheduled to Occur the month following the final bill date. 
So even if I make all other qualifications, I can not remove my PMI payment because my loan originated after XX/XX/XXXX. This doesn't seem correct.

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 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
Kohn claims to own a very old debt that was previously held by XXXX. Kohn claims my most recent payment was in 2019. No facts in evidence support existence of any such payment. Kohn relied upon false claim that 2019 payment was made, despite knowing it to be false, and threatened bad-faith lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has illegal information about my credit I never authorized. I want it to be removed from all credit bureaus because some of the information is false and incorrect.

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 2024-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I recently reviewed my credit file with XXXX, XXXX, and XXXX XXXX and noticed that there has been several accounts reported as a charge off. According to the IRS an unpaid charge off is considered as income, By law according to the FCRA income can not be reported to a credit file. Since the creditor has filed a 1099C ( Cancellation of debt ). The accounts should no longer be reported on my credit file. I have disputed this matter with the creditor and the XXXX credit bureau 's and the accounts seems to remain. Any assistance you can provide will be greatly appreciated, I have provided the creditor and the account numbers below, XXXX XXXX XXXX Account Number- XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX Capital One Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I recently reviewed my credit file with XXXX, XXXX, and XXXX XXXX and noticed that there has been several accounts reported as a charge off. According to the IRS an unpaid charge off is considered as income, By law according to the FCRA income can not be reported to a credit file. Since the creditor has filed a 1099C ( Cancellation of debt ). The accounts should no longer be reported on my credit file. I have disputed this matter with the creditor and the XXXX credit bureau 's and the accounts seems to remain. Any assistance you can provide will be greatly appreciated, I have provided the creditor and the account numbers below, XXXX XXXX XXXX Account Number- XXXXXXXX XXXX XXXX XXXX  Account Number XXXX Best Buy Account Number XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number 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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Per 15 USC 1681, XXXX XXXX is not allowed to report any of my transactional history. XXXX XXXX did not respect my privacy per 15 US code 6801, per 15 US code 6802 I was supposed to receive an opportunity for non-disclosure/ opting out but I never have. I am also disputing the accuracy across all three Credit Bureaus per 15 USC 1681, dates on my reports are all different. Also per 15 USC 1681a late payments are illegal.

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 2024-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

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 2024-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Credit one has filed my account as a 1099c. According to the IRS an unpaid charge off account is considered income, and income can not be reported to a credit file.

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 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XX/XX/2024 I received a notice from XXXX that I had opened a new checking and savings account with Huntington Bank. I never opened these accounts and contacted Huntington bank and informed them that these accounts were fraudulent accounts. I was told that the accounts would be closed and a letter sent. On XX/XX/XXXX I received a letter from Huntington bank stating that my address was changed. I again called Huntington bank and explained that I never opened these accounts and that they were fraud. This time however the representative would not answer my questions because she said I could not verify the information. I asked how could I verify the information when I never opened the account. I was transferred to a manager who stated that their fraud department was working on the account and I would receive a letter shortly. In the mean time I filed a police report and froze my credit and chexsys. On XX/XX/XXXX I still had not received any formal closure letter from Huntington bank and sent the letter from Identitytheft.gov that they recommended I send. It was the letter stating that I was a victim of identity theft, the notice to furnishers of information : obligations of furnishers under the FCRA and a copy of my drivers license. I have still to receive anything from Huntington bank stating that these fraudulent accounts are in fact closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have PayPal Credit Card. PayPal offers XXXX  XXXX  with 6 months deferred interest on purchases over {$99.00}. You can complete your transaction on the PayPal app. I recently paid for professional services of dancers and used the PayPal Credit Card to pay for those purchases. The amount involved is approximately {$1400.00} ( two separate transactions ) on XX/XX/year>. The dancers did not want to incur the fees charged to withdraw the money and asked me to send it as friends/family. I thought that I would be absorbing the fee so that the dancer could receive the amount we agreed to for services. If they had increased their charge to cover the fee, because the amount of the fee is based on the amount of the transfer, it would increase proportionally. PayPal says using friends/family to send the money caused the payment to be treated as a cash advance. Although, sending the money to pay an individual would have resulted in the same characterization, i.e. a cash advance. Cash advances do not receive the special financing terms of 6 months deferred interest and begin to accumulate interest immediately at 29 %. This is where the XXXX XXXX terms become a bit more layered. I have a transaction under the XXXX XXXX that is about to expire and if the balance is not paid in full by the expiration date, then the deferred interest is added to the balance of the account. PayPal notifies you when a XXXX XXXX promotion is expiring and the amount you must pay to avoid the deferred interest. My expiring promotional balance is {$1600.00}. The amount that I must pay to avoid the deferred interest is {$3000.00}. The reason the amount to avoid the deferred interest is {$3000.00} is because PayPal applies any payments you make to cash advances first before the special financing terms. Although PayPal will allow you to allocate your payment to the XXXX XXXX promotion to avoid the deferred interest. I am now in a situation where I have inadvertently taken a cash advance at 29 % interest and potentially more based on other Special Financing promotions that I may have. There should be clear explanation that a transaction constitutes a cash advance and is not eligible for the promotion. I believe PayPal is aware of this practice and I believe that it is misleading and deceptive to have consumers believe that they are purchasing something under the XXXX XXXX terms only to find out that it was not eligible after the fact. This transaction can lead to financial hardships for the uninformed consumer, especially in the current economic climate with increasing interest rates.

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 2024-04-28 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated ; the accuracies are highly injurious to my credit score. Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX, and XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business address of everyone with whom you verified the above so that I may follow up please send an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: TX

Complaint narrative:
In accordance with 15 USC 1681, XXXX is not allowed to report any of my transactional history. XXXX did not respect my privacy per 15 US code 6801, per 15 US code 6802 I was supposed to receive an opportunity for non-disclosure/ opting out but I never have. I am also disputing the accuracy across all three Credit Bureaus per 15 USC 1681, dates on my reports are all different. Also per 15 USC 1681a late payments are illegal.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with 15 USC 1681, XXXX is not allowed to report any of my transactional history. XXXX did not respect my privacy per 15 US code 6801, per 15 US code 6802 I was supposed to receive an opportunity for non-disclosure/ opting out but I never have. I am also disputing the accuracy across all three Credit Bureaus per 15 USC 1681, dates on my reports are all different. Also per 15 USC 1681a late payments are illegal.

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 2024-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial reported my car loan account to the credit bureaus falsely as a Paid Charge off with $ XXXX written off. I paid this account off in full in XXXX  and they are still reporting negatively on my credit and dropping my credit scores. I have tried contacting Ally to get this matter resolved and they wont help me. This is preventing me from getting a mortgage loan.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I am having a problem accessing my credit information. In the XXXX 's after I retired from the XXXX the VA had SSN numbers compromised because an employee took SSN data home and it somehow got compromised, So at the time all XXXX credit agencies ( XXXX, XXXX and XXXX ) sent me letters with permanent PIN numbers that I could use to access my account. Now none will honor any PIN number and my address has changed many times through the years especially during XXXX. So now when I try to log-on I do not know what address they have on file for me so consequently the online question identity process always ends with information not matching what they have. I would go there in person with my passport but they do not allow that. Consequently I can not get into my own credit file. I am financially stable and do not need to get any loans and I have diligently paid off all my credit cards and always have had a score over XXXX. But now I learned that one card ( American Express ) has lowered my credit score by about XXXX points. That is unheard of for me and I want to know why or what happened but I can not find out because i am essentially locked out from accessing my credit information with each of the XXXX agencies. And the other problem is that my other bank still shows my credit score at exceptional XXXX. I worry about that XXXX point drop from American Express and I don't know why it happened, Maybe someone has stolen my identity or applied for some account in my name? I have no way of finding out! When I do my taxes I sign up for credit monitoring with XXXX XXXX but I hear nothing from them either. I need to know what is going on instead of helplessly standing by while my credit is damaged for who knows what reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: CITIBANK, N.A.
State: WI

Complaint narrative:
XXXX XXXX  made an electronic payment of {$7000.00} to my Macys American Express account on XX/XX/2023. The payment was processed by American Express on XX/XX/2023. Macys continues to state the electronic transfer was intercepted by a third party, who verbally they identify to be American Express, providing no written documentation of such claim. Macys has failed to recover the funds from American Express and to apply those funds to my account. In addition, Macys withdrew, via the automated payment process, {$1200.00} from my checking account totaling two payments in one transaction without my knowledge or consent. As a result I discontinued the payments, filled complaints disputing the full balance of the Macys account. I have not made any subsequent payments and have continued to dispute the balance. Currently, Macys is reporting me as delinquent in this account, having sent information to the credit bureaus significantly reducing my Credit/FICO scores causing damage to my personal and business credit reputation, preventing me from functioning credibly. I have continued to send information from my bank to Macys showing payment. My XXXX XXXX  representative has called, emailed proof of transaction but with no resolve.

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 2024-04-28 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: TN

Complaint narrative:
In accordance to the Fair Credit Reporting Act Moneylion has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and 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 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Around the middle of XX/XX/2024 I was notified by Discover credit card company that my credit card was being closed after being open only a few weeks and my credit score plummeted. The address was different than the application I used for my credit application. The address was my old address which must have been submitted to them from the credit bureau. Someone entering the information must havent been paying attention. I found out of the address through a report from the credit unions I had to reach out to. Discover tried to make it look good and updated to XXXX dollars and in good standing. They failed to investigate and delete the account and when I call Discover they say sorry sir and thats it. Can you please help me to have Discover completely delete this account. Also, I paid and the bank refunded my payment because Discover computer closed the pathway of paying. Im mailing the payment with tracking number so I can ensure XXXX XXXX by USPS which I shouldnt have to do. 

They are : Discover XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX The attached documents below are in reference to payment.

Company response to consumer: Closed with explanation