vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
A few weeks after I bought my home I was diagnosed with XXXX and had to face XXXX that removed XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. I was forced to take several weeks off of work and I began struggling to make my mortgage payment. Now my lender Cross Country Mortgage is telling me that they are going to foreclose on my house unless I pay the full past due amount of {$14000.00}. I bought my house with an FHA loan and put {$170000.00} down towards the deal and have a lot of equity. This situation was out of my control and I can't believe that they are aggressively pushing to foreclose when the temporary hardship has ended and they have not reviewed my financial information or my ability to pay, they are just trying to close the door. I want to file a formal complaint against Cross Country Mortgage because they are not offering homeowner assistance options that are required for FHA mortgage servicers such as loan modification, special forbearance, partial claim or repayment plan. 

When I bought my home in XX/XX/XXXX I had a good paying job and anticipated no problem making the mortgage payments. One week after closing my doctor told me that I had XXXX under and inside my lip. I had to go into XXXX and they removed 80 % of my lip as well as XXXX XXXX  XXXX  and was recovering for over a month and was not able to work. I could only work part time over the next few months and had to sell my motorcycle and cash in my XXXX so I could keep up with the payments. However in XX/XX/XXXX I was diagnosed with XXXX in my ear and again had to take time off of work. I was very sick and out of it and after more time out I ended up losing my job which led to me being unable to make my mortgage payment. 

At the beginning of XXXX I was in remission and back to work and attempted to make my mortgage payment and the Cross Country agents told me they would not accept the payment and that I needed to apply for homeowner assistance options. I have put together the paperwork three different times and submitted it to Cross County but I never am able to make progress. They have never reviewed my financial circumstances, my ability to pay, my hardship or provided any type of relief. I have the ability to pay and want to pay my mortgage, I just bought my home and put a very large down payment on the house. However, XXXX upended my life and put me through a very difficult time and I am grateful that the worst is behind me. I can't believe that Cross Country would close the door and deny me the opportunity to be considered for FHA homeowner assistance options such as loan modification, special forbearance, partial claim or repayment plan. My family 's financial circumstances have changed and improved and I am in a much better place and the hardship has been resolved. I just do not have the necessary funds to pay the full past due balance in one lump sum and need them to work with me on a plan to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MS

Complaint narrative:
Discover Bank has not tried to resolve or answer my concerns. Discover Bank has prohibited me from using the credit card. Discover Bank continues to violate my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is incorrect personal information on 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 2023-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
A lady had told me that I owed a debt to a bank at XXXX XXXX and it was charged off in 2015 which is not true we. Currently have a bank account with XXXX XXXX and at paying the debt to a different creditor this person is also telling me that they will hold and cease some funds and other banking and threatened that she will turn me into some kind of check systems and other forms of threatening me to pay them directly in not contact. The original creditor which I have and none of this is matching up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear Sir/Madam, I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines . The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 


See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK
State: NY

Complaint narrative:
I saw an ad for Discover savings account where if you deposited a certain sum within 60 days of opening that account, Discover would give you {$200.00} plus interest of 3.9.

I opened the card and transfer was done from one bank to the other.

Discover reversed the transmittal of the sum and returned the money to my original bank. Thereafter, they closed my account citing business decision. 

This leaves me to believe that they had no intention of honoring their ad and they were surprised when I came up with the sum in their ad. This is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Management Corporation
State: MS

Complaint narrative:
Regional Finance will not answer my questions or attempt to resolve my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
Midland says they gave me the month of XXXX under Covid forebearance but when I call in they say they didnt and dont pay XXXX it will go to XXXX. They said they did in cfpb statement. 
If I do that I get marked late and foreclosure Need help asap

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 2023-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
OneMain never called about late payments before reporting to the Credit Bureaus that payments were late. Per fair credit practices, lenders need to contact borrowers before making reports. OneMain never tried to contact me by phone, mail or email before reporting to the credit Bureaus regarding late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, so I was unaware that my account would be late as I had automatic payments set up and I was unaware that my payments did not go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To XXXX Equifax XXXX : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: MS

Complaint narrative:
World finance continues to violates my consumer rights. World refuses to answer my questions or resolve my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Vehicle loan or lease — Loan
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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On or about XX/XX/XXXX, a retail installment agreement was made between XXXX/Bridgecrest and XXXX XXXX XXXX XXXX The agreement included GAP insurance which covered and indemnified the full amount of the retail installment agreement. The vehicle named in the retail installment served as collateral along with the security interest in the note which subsequently turned into a security after 9 months. Bridgecrest executed an involuntary repossession on the vehicle on or about XXXX XXXX. However, after a vehicle title search and UCC 11 search, Bridgecrest had not perfected title nor security interest via perfected lien, on the vehicle. Additionally, after further research, Bridgecrest received indemnification of the retail installment contract via the GAP insurance payment filed by Bridgecrest on or about XX/XX/XXXX thus eliminating any monies that may have been alleged to be due on the contract. However, in XXXX, after filing numerous complaints against Bridgecrest, Bridgecrest continued to assert that there was a remaining balance outstanding on the contract ( See responses to previous CFPB complaints by BRIDGECREST ). These responses evidenced Bridgecrest 's failure to properly address the concerns raised in both complaints by victimizing the complaintant with a recitation of the history of payment transactions with no evidence provided for such transaction history. 

Bridgecrest also failed to properly file a 1099C with IRS, and forward the appropriate documentation per tax codes and IRS policies, as the alleged debt was over 3 years old and had been " charged off '' according to Bridgecrest 's accounting records. Bridgecrest has also violated the Security Exchange Act by not properly reporting the security transactions it engaged in, and failing to disclose such transactions per TILA. Bridgecrest has also failed to provide me with the full accounting of this contract according to GAAP and GAAS, despite numerous complaints and requests to do so. Bridgecrest has been willfully negligent and violated federal and state laws, along with violations according to the Securities Exchange Act. ( The latter will be reported directly to the SEC ). BRIDGECREST further violated by executing an involuntary repossession on a vehicle in which they had not perfected a security interest nor title, thus committing fraud and theft just to name a few federal violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc.
State: PA

Complaint narrative:
Today, I was on a call with a company marketed as Accredited, which provides debt settlement services. I was on inquiring, never gave them my social security number and did not give any approval for a hard credit inquiry. They asked for my name, birthdate and home address and said they would only do a soft inquiry to see what products they could offer. They requested my bank account number and routing number over the phone, which I would not give them telling them I could not provide that sensitive information without first having a better understanding of what company I was dealing with ( no privacy disclosures were provided to me on the call ). I ask that the companies debt settlement agreement be provided to me so that I could understand it before making a decision. I decided not to move forward with their debt settlement services. I then received a notice that I was denied credit. But I never provided an approval for a hard inquiry into my credit report and I was not at all intending to apply for a loan, nor was I advised that I was, in fact applying for the loan. 

The following was in the denial email ( the first time I heard that was engaging with XXXX XXXXXXXX XXXX ) Creditor 's name : XXXX XXXX XXXX XXXX XXXX address : c/o XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, at telephone number : XXXX My phone conversation was with a XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Accredited Debt Relief Direct : XXXXPersonal Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX I received XXXX documents and to be able to review them I needed to check that I agreed to signature, but I never signed the documents and there were no disclosures to me that I was in fact applying for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Inquiries : XXXXXXXX XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022,

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief