vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I canceled my auto payment feature Via BSI Financials ' website and made the full mortgage payment that day. That payment was submitted ( {$3400.00} ) but the auto payment was also deducted from my account ( {$3400.00} ), resulting in double the payment for XXXX of {$6800.00}. I called BSI Financials customer service on XX/XX/XXXX once I noticed this. They told me they could refund the second payment but only via check. I agreed thinking that should take no more than two weeks as the employee stated it would be processed in ten business days. The second payment of ( {$3400.00} ) was reversed from my account but the check never showed up. I called customer support after waiting 29 days and was told their policy is to wait 30 days from when the check was issued ( XX/XX/XXXX ) and if the check was still not received, they would void the check and could either issue a new check or applied the funds to my next mortgage payment. I called back on XX/XX/XXXX, and they told me the check was now void and for the funds to be applied I have to submit a letter via email stating I want the funds to be applied to my XX/XX/XXXX mortgage payment. I emailed this letter on XX/XX/XXXX asking for confirmation the letter was received and the funds will be applied. I followed up to the email on XX/XX/XXXX & XXXX with no response. I called customer service again on XX/XX/XXXX inquiring about the email and was told to call back on Monday or Tuesday but to rest assured that the funds will be applied to my XXXX payment. I called Customer Service this morning XX/XX/XXXX and was told that the funds were already applied to my XXXX payment when in fact I have the transaction from my checking account showing I paid it. The customer service again asked my to forward him the email I sent on XX/XX/XXXX so he could send it to their finical department and told me it will take 48 to 72 hours to be reviewed. The Two-month mark of this issue is approaching and there has been no resolution to date and my family is out {$3400.00} due to BSI Financials negligence and poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: IL

Complaint narrative:
I HAVE BEEN THE VICTIM OF IDENTITY THEFT. PLEASE REMOVE OR BLOCK THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS 5 ACCOUNTS THAT ARE ON MY CREDIT REPORT FRAUDULENTLY. PLEASE REMOVE THEM 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 non-monetary relief
Consumer complaint received 2023-09-26 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: FL

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-09-26 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: NC

Complaint narrative:
This is XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir or Madam : PLEASE DELETE XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA. XXXX THIS IS NOT MY ADDRESS. 

PLEASE HAVE THE FOLLOWING ( 7 ) ACCOUNTS DELETED WITH THE INQUIRIES LISTED BELOW. I NOTICED THAT ( XXXX XXXX XXXX WAS REPORTED TO MY CREDIT AND THESE ARE HER ACCOUNTS ALSO. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX CLOSED BUT STILL SHOWING A BALANCE OF {$600.00}, XXXX XXXX XXXXXXXX AND XXXX XXXXXXXX PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( XXXX ) - XXXX XXXX AND XXXX XXXX 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, [ XXXX XXXX ] Enclosures : [ List what you are enclosing ] Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Galaxy Capital Acquisitions, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX, My name is XXXX XXXX and I am writing this letter as I find myself in a difficult and stressful situation for me and my family. I live in XXXX XXXX and I was recently served a Writ of Execution from the local Sheriffs office because of a lawsuit involving an old credit card past due bill. 
This credit card, which I am sure, has to be 15-20 years old or older from my past. I can not understand how this could even be happening to me. The Fair Credit Reporting Act FCRA, is supposed to protect me from these types of situations. What do I do? Who can I contact? 
I have made several attempts to acquire legal help through a public defender as I can not afford a regular lawyer. I am XXXX on medicaid and medicare raising my XXXX XXXX XXXX daughter and my wife is XXXX  to this country and does not work yet. Whatever happened to fair representation in this country for all? I can not acquire that. I have been told to contact legal services in my state of Pennsylvania and county and have been told numerous times that I can not be helped and get referrals only to find out those people can not help me either. What am I to do?? 
Please tell me what I need to do. 

Your quick response would be greatly appreciated as this is a critical time issue Thank you. 

Sincerely, Mr Stressed out!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: GA

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.

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 2023-09-26 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: GA

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.

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 2023-09-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I've requested from Synchrony Bank a itemize copy of my transactions showing me the balance with every transaction my balance keep getting higher when I purchase something but when a payment or return is added to the account I don't see the deduction and the balance keep getting higher. I've contacted the Bank several times asking for this informationI I was hung up on several times saying they don't do that. All the online shows the amount added and the deduction but the balance stays the same or go highter that's why I asked to see the balance everything their is a transaction, this is all I'm asking for so I can go over it with the hard copy, I'm in my XXXX '' XXXX so I'm a little slower than a younger person to understand different things that's why I need a hard copy of each transaction and then show the balance afterwards.It is a disability for me to just look at the charges and deduction without a balance showing the amount after each transaction

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX 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 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 2023-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Rushmore Loan Management Letter dated XX/XX/XXXX states balance of {$2600.00} to paid before XX/XX/XXXX. Unable to make payment was told my loan was sold XX/XX/XXXX to Rushmore Servicing and they do not have information prior to XX/XX/XXXX - their balance is showing {$3200.00} I need to speak with someone regarding reciliation of payments and why are the late fees so high - this was never the amount previously - over {$100.00} a month I've called Rushmore Loan Managment for the last 2 days at XXXX and the number is not working. 

I've been asked to send my issue to the new servicer and they will help get a response : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: FL

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
To whom it may concern : I have served in the United States ' federal government for over eleven years, submitted my PSLF form for complete loan forgiveness about a month ago, & simultaneously requested that my loans be placed in forbearance while forgiveness was considered. I also emailed the provider ( MOHELA ) to ask if this request for forbearance would be granted approximately a week ago ; however, instead of answering me, MOHELA has seen fit to issue me a bill which is due very shortly. 

All documentation to support my claims is enclosed & I am happy to provide more as needed. 

Please advise, thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MS

Complaint narrative:
I got an email from cash app stating my account had been closed for suspicious activity! I called and asked what was the suspicious activity or what specifically i did wrong because i only made purchases or recived money and they only told me to read the terms and conditions i still have a tiny amount left in my account {$1.00} something but its the principle of them not giving me a specific reason why!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A very serious error is that these accounts are not mine, can you please delete them?

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: FL

Complaint narrative:
I am writing to request XXXX XXXX  to provide verification and substantiation for certain items on my credit report that were previously blocked due to fraud. I have recently obtained additional information pertaining to these blocked transactions, which suggests that there may be factors necessitating further investigation and clarification.

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 2023-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Uplift, Inc
State: MI

Complaint narrative:
There have been three fraudulent accounts opened using my identity with Uplift , Inc. I have submitted the Uplift , Inc. Identity Theft Submission Form twice now ( XX/XX/2023 and XX/XX/2023 ), and have not received a response from this company. In fact, Uplift , Inc. has sent these accounts to collections as of XX/XX/2023 ( XXXX XXXX XXXX XXXX XXXX ) despite me providing all of the information requested to support that these accounts are fraudulent due to identity theft. I have informed XXXX XXXX XXXX XXXX XXXX that these accounts are fraudulent. Uplift , Inc. is operating as a dishonest business that has failed to respond to my requests for these fraudulent accounts to be removed from my identity. The resolution I am requesting is for these accounts to be marked as fraudulent and removed from my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 instructions 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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I awoke on XX/XX/2022 to find my checking account that I use to auto pay Freedom mortgage payment was overdrawn by over {$2700.00} dollars. I called Freedom immediately to request that they replace money withdrawn as this was double my normal payment. The agent on the call told me that they would need to verify with XXXX that payment was made. The agent called XXXX with myself on the phone 3 way call. The agent stated that the transfer was made from XXXX to Freedom mortgage in the amount of {$5.00} dollars. On or around XX/XX/XXXX I got a knock at my door from someone delivering certified mail. This certified mail was notice of foreclosure proceedings. Turns out that XXXX had not made the payment to XXXX given the vast overdraw. Freedom then reversed ( unknown to me at the time ) my on-time XXXX, XXXX, XXXX payments and effectively marked my account in a 90 day default in XXXX despite these payments being made the XXXX of the month every month in 2022. All funds were paid on XX/XX/XXXX including the payments reversed as well as the shortage amount that Freedom had misappropriated. In a letter to my attorney in response to first NOE that was sent they acknowledge sending {$11000.00} from previous mortgage company elsewhere other than my account. They also state that payments were received on time and that the default was a result of the reversal that happened in XXXX. Again, all fund were then paid in XXXX, if anything I would have been 18 days late not 90 days in default. My attorney has sent 2 NOE, I have sent correspondence to Freedom as well as called them several times. Even though all payments were made on time they are refusing to correct credit report. This has been detrimental to my credit as well as my ability to feed my children. I have been 100 % on time payments across all accounts until this error by Freedom.

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