vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
XX/XX/XXXX we received a notice from our mortgage company, freedom mortgage, that our mortgage would be going up about XXXX a month due to a XXXX projected escrow shortage for XXXX. XXXX XXXX XXXX XXXX, a loan officer from freedom mortgage started soliciting us to refinance. He made promises of much better rates, a much lower monthly payment, no closing costs, and no projected XXXX dollar escrow shortage. It sounded great so he sent over the disclosures for us to sign and our new loan process started. XXXX informed us that we did not need to make the XXXX payment because he would be making sure we didnt have to pay the extra XXXX in mortgage per month. He informed us he had this authority within the company. Upon reviewing these disclosures, they not match what XXXX XXXX had said, it did give lower rates for our mortgage though. We signed them. They lock in rates expiration date was noted as XX/XX/XXXX. We started making attempts to contact XXXX XXXX in later XX/XX/XXXX to inquire why the disclosures did not match what he promised. Although the lower rates where better then the XXXX new payments projected by freedom we still had questions especially about being advised not to make XXXX payment. We made numerous calls aswell as sent XXXX XXXX. We never received a response from XXXX. Every rep we did get ahold of said they would call us back with information. We still have not received any information. In mid to late XXXX ( we still were regularly attempting to get in contact with XXXX XXXX or anyone who could help ) we received new disclosures to sign with different rates and amounts. These new disclosures were not anything like the ones we signed. Our original disclosures had not even reached the rate expiration date of XX/XX/XXXX. Also these new disclosures were signed by XXXX XXXX who still has not responded to any of our emails or calls. We did however start to get notices to pay XXXX payment. We did not anticipate paying This much larger payment as XXXX XXXX instructed us not to make that payment. This resulted in much financial hardship for us currently. In the last 2 weeks I have again emailed XXXX XXXX XXXX as left voicemails and spoke to several different reps to let them know we wont be signing the new disclosures and we wish to discontinue the loan process. Freedom is still to this day sending disclosures for us to sign and will not acknowledge our refusal to sign any documents. We have been lied to and misled into financial hardship which appears to be a tactic to get us to sign these new outrageous documents. It appears to be a bait and switch of disclosures because they attempted to pressure us to sign new disclosures before our original documents expired.

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 2024-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I called Mohela several times during the COVID moratorium in order to find the interest on my loans. They would not provide me an interest rate on my loans so when I made payments, I could not direct it to loans with a higher rate. I have a concern that they were accruing interest on loans that should not have been growing. When the loan totals and interest rates were finally accessible the amounts were higher than expected. 

I refinanced my loans in XXXX with XXXX and a payment exceeding my total loan debt was sent. Mohela cashed the check but did not credit my account and continues to call me for payments. I have spent over 10 hours on hold attempting to speak to a supervisor and I have been sent to dead ends or have been hung up on. I've expressed to them that I am getting spam calls, so I need to speak to someone when I call in versus waiting for a supervisor however they have failed to connect me after assuring me that after waiting I would. When the supervisor calls, they call from an unknown number and provide a call back to the main number which starts the process all over again. I am also a surgeon and unable to step away from patient care when I am operating which makes this process more difficult. It also looks like I have over XXXX in student debt with Mohela and XXXX with XXXX now. This also impedes my ability to obtain business loans for my private practice. 

This practice that Mohela is performing has been predatory and exploitive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: U.S. BANCORP
State: CA

Complaint narrative:
I received a credit alert from XXXX saying I have a delinquent unpaid account of {$1200.00} from XXXX XXXX XXXX. I don't remember having an account with XXXX XXXX. I monitor all my financial transactions and obligations and I don't know XXXX XXXX. I believed this is identity theft and somebody is using my information to obtain/apply credit card under my name. Please review and remedy. Please reach out to me if you have further questions. ( XXXX ) XXXX. Thank you and have a nice day. 

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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/year>, I scheduled payment, selecting the PAY IN FULL option via Belk website. I do not shop at this store often, so I pay my bill in full when I use my card. 

The amount was paid and deducted from my checking account, as arranged. 
I never received any further correspondence from Belk. 
Upon receiving an email from XXXX ( the credit reporting agency ) that my credit score dropped XXXX points due to non-payment, I found that Belk charged an after the fact interest amount of roughly {$6.00} and then charged an additional {$1.00} per month fee for XXXX and XXXX, but NEVER contacted me to pay these amounts. 

After 90 days they then turned this report over to the credit bureaus and have destroyed my perfect credit!! 
Once I was in contact with Belk, I paid the {$8.00}, but they are refusing to remove this erroneous statement ( 90 days past due ) from my credit report. 
I have since closed my Belk account. Had I know they could charge interest AFTER THE FACT, I would never have used this card.

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 2024-02-07 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:
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 XXXXXXXX Account XXXX has violated my rights. Or a 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 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 2024-02-07 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: MN

Complaint narrative:
The following credit card account from XXXX XXXX XXXX  currently listed and showing on my XXXX XXXX, XXXX and Equifax credit report : XXXX is not my account. I never applied for the XXXX XXXX XXXX  credit card account. Its a fraudulent credit card account and I did not apply for the credit card account. The following hard inquiries currently listed and showing on my XXXX XXXX, XXXX and Equifax credit report is fraudulent and unauthorized : 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: MN

Complaint narrative:
The following credit card account from XXXX XXXX XXXX  currently listed and showing on my XXXX XXXX, Experian and XXXX credit report : XXXX is not my account. I never applied for the XXXX XXXX XXXX  credit card account. Its a fraudulent credit card account and I did not apply for the credit card account. The following hard inquiries currently listed and showing on my XXXX XXXX, Experian and XXXX credit report is fraudulent and unauthorized : 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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-07 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:
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.

has violated my rights. Or a 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 2024-02-07 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:
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.

has violated my rights. Or a 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 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 2024-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This debt is from a XXXX XXXX XXXX Bank and was sold to Portfolio Recovery I have been able to have this item removed from my XXXX credit report but they refuse to remove from my XXXX XXXX and XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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 2024-02-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc.
State: CO

Complaint narrative:
Ideal Collections is commiting fraudulent activity, XXXX XXXX Apts tried to evict multiple people during covid. In XX/XX/XXXX i received a notice saying i owed an amount of {XXXX} or to return the apartment by XX/XX/XXXX. That was done, pictures of the property were taken as proof. All collected dues were taken and cashed. Approximately 6 months later they sent almost XXXX the amount to collections demanding i paid this. Firstly in the state of florida No Evictions were supposed to take place until XXXX of XXXX. Ive talked with my legal council and will have to take legal action if they dont rescind their collections. Theyre committing fraud, evicting college students during a worldwide pandemic and demanding money on top of it. Would never rent from this company in this lifetime again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Per the Privacy Act of 1974 and the Fair Credit Reporting Act, 15 USC 1681b, 604 Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates, 15 USC 6801 protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. As well as 15 USC 6802 Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. As a federally protected consumer, I am now and in the future opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non verbal as per 15 USC 6802.

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 2024-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

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 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 2024-02-07 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: CA

Complaint narrative:
I am writing to report an unauthorized credit card account listed on my Equifax credit report. The accounts XXXX XXXX  account number and XXXX XXXX  account do not belong to me, and I have not applied for or authorized these two accounts. 

I am currently under mortgage underwriting, and it will affect my escrow close, or, even worse, I could lose my earnest money deposit.

I have already attempted to dispute this with Equifax without success. I request your assistance in resolving this matter promptly to ensure the accuracy of my credit report and protect my financial well-being. 

Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This debt is from a Victoria Secret/ Comenity Bank and was sold to XXXX XXXX I have been able to have this item removed from my XXXX credit report but they refuse to remove from my XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 instructions.

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 2024-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. THESE ARE THE ACCOUNTS XXXX XXXX XXXX XXXX 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 ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) 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. They must be blind because everything is inconsistent. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

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