vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
I am a total, permanently XXXX veteran with a VA mortgage with Freedom Mortgage. 
I am exempt from paying property tax in WI. 

Over the course of this past year Freedom Mortgage has acknowledged my property tax exemption status, not charging/billing me for any escrow amounts for property tax in my monthly bill. My monthly mortgage payment had been : XXXX of {$310.00}, XXXX of {$280.00} and XXXX of {$100.00} for Home Insurance, for a total monthly bill of {$700.00}. 

However, just last week Freedom Mortgage sent me letters demanding that I pay them {$1200.00} every month beginning in XXXX of 2024. That amounts to over {$6000.00} over the course of the upcoming year which Freedom Mortgage wants to keep in escrow to pay property taxes. BUT I AM EXEMPT FROM HAVING TO PAY PROPERTY TAX. 

Freedom Mortgage has in their records the official letter / certification from the Wisconsin Department of Veterans Affairs confirming my tax exempt status. But for some reason they are no longer taking this seriously. This exemption that I have never expires. It says so on the certification letter. 

Freedom Mortgage seems corrupt to the core, trying to extort monies or advantages any way they can. Your agency recently fined Freedom Mortgage {$1.00} XXXX dollars for giving illegal kickbacks to realtors/real estate brokerages. 

Freedom Mortgage needs to be taken to task again.

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 2023-12-18 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:
Hello, I have had to dispute the same account 4 times. They have a balance sitting in collections as a charge off for an item that was included in a XXXX XXXX which was discharged XX/XX/2020. They have updated it a few times and it keeps coming back. They are in violation of the bankruptcy automatic stay and the next step will have to be obtaining counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Take a look at the attached documents. I want the bureau to commence an investigation into these accounts where I am never late but am being reported as such.

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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am enclosing documents for your review. I urge the bureau to start an investigation into these accounts, as I am never late but am being inaccurately reported.

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 2023-12-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
The issue arises as I was believed to have XXXX in XXXX, XXXX and XXXX. 
Symptoms were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The XXXX I live in has Declarations for covenants and Restrictions. The HOA is responcible for exterior maintenance and Roof. In XXXX they would escalate the HOA Dues nearly double from the say I moved in.6 Upon examination The HOA concealed a Capitalization Fee Average of {$1500.00}, on all transfers charged to the Buyer, they did not report the additional revenue s deposited into the HOA Account and admitted the funds were drafted to the Developer, XXXX XXXX XXXX without any documentation or disclosure to members. I would bring this to light and also state that HOA Fees collected at closing were unlawful under TN XXXX Annotated XXXX thru XXXX " TENNESSEE XXXX TRANSFER FEE BAN '', and I also reported that reserves were short in the carryover sums from year to year with erroneous entries amounts beginning in XXXX. 
XXXX while manging rentals in XXXX the roofs were often leaking. Met the roofer and he stated in a recorded transcript the HOA was given an estimate as the roof was 5 years beyond recommended replacement, All said The HOA would not repair the mastr suite from rain damage in XXXX in my home, I repaired and billed the HOA and ended up in XXXX XXXX XXXX unit from XX/XX/XXXX to XX/XX/XXXX, I learned Mold Toxins were the cause not covid and proceed to bring personal injury suit against ther HOA, Then I recieve a demand Letter from an attorney in XXXX calling my XXXX that was currently ammennded and modified not due for payments until XX/XX/XXXX. The attorney for XXXX Bank, the merging Bank with Suntrust, would provide me an opprtunity to sell on the open market after I explained I had an amended agreement and that if I sell below market I will sue for damages. I learned Friday, that the Attorney represeting the XXXX, would take my social security number from the General Sessions Judgement run my credit and see that the XXXX is in default, XXXX interefering with my first which was in final documnetation for approval when these Foreclosures began to occur. The Law fim Acting as Substitute Trustee XXXX, Sellers, XXXX, & XXXX XXXX, main office is in XXXX TN ( XXXX ) but the Attorney acting as Substittute Trustee.is out of XXXX. The Attorney for the HOA XXXX XXXX, XXXX XXXX is based in XXXX, and having suppeona my finances would know my limited resourse to fight in civil. My XXXX XXXX Persoanl injury AND PROPERTY SUIT WOULD FOLD AS THEY i CONTACTED XXXX WHOLE SALE BUYERS AND THE DEVELOPER WOULD DENY THE PRESENSE OF MOLD.

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 2023-12-18 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:
I am not liable for these debts. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality un 15 USC 1681. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TN XXXX XXXX XXXX XXXX -TN XXXX XXXX XXXX XXXX, has violate my rights. 

*15 USC 1681 section 602 A. States I have the right to privacy.

*15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without any written instructions.

*15 USC 1681c. ( a ) ( 5 ). 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 USC 1681s-2 ( A ) (! ). States 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.

Please remove these adversely accounts which is injurious to my credit rating. I can't obtain credit and it's costing me thousands of dollars.

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 2023-12-18 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: TN

Complaint narrative:
I am not liable for these debts. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality un 15 USC 1681. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violate my rights. 

*15 USC 1681 section 602 A. States I have the right to privacy.

*15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without any written instructions.

*15 USC 1681c. ( a ) ( 5 ). 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 USC 1681s-2 ( A ) (! ). States 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.

Please remove these adversely accounts which is injurious to my credit rating. I can't obtain credit and it's costing me thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Called amex XX/XX/23 - Asked for late fee {$29.00} to be waived due to their application updates removing username/password/notifications Asked amex XX/XX/23- were XXXX waived- mailed billing statement versus email - manager said they would investigate Asked amex XX/XX/23- were XXXX waived - agent said was not investigated, no way to follow up, no way to guarante follow up Asked amex XX/XX/23- is this a sudden policy change - amex says yes we no longer waive first time fees Asked amex XX/XX/23 - {$29.00} fee on {$88.00} in purchase is 33 % fee - excessive junk fee that Biden is fighting against XXXX can a manager waive the fee Asked amex XX/XX/23- why no notification, why no paper statement in compliance with XXXX protections- agent says she will file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the XXXX going through it, unfortunately I was robbed at knifepoint while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, XXXX  I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are 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 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 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I used Capital One 's bill pay service to mail my rent payment for XXXX on XX/XX/XXXX. The amount deducted from account on XX/XX/XXXX was {$1800.00}. The payee did not receive the payment and notified me on XX/XX/XXXX. I contacted Capital One and was told to file a claim, and the money would be returned to my account in 3 to 5 business days. Today is XX/XX/XXXX and I have not had the funds returned to my account. I have made numerous calls to Capital One and have been told it would be 3 to 5 business days, and also 10 business days ( I had never been told the 10 business days until my calls on XX/XX/XXXX, and XX/XX/XXXX ). 

Capital One will not give me an answer in regard to when I will have my money back in my account. I now face eviction from my house. I must pay the rent before XX/XX/XXXX and I have to pay a late fee of {$360.00}. 

I want my money back and Capital One needs to pay the late fee. 

I get no help from them when I call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 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: TX

Complaint narrative:
I called XXXX XXXX on XX/XX/XXXX around XXXX pm to get a payment extension on my XXXX account credit cards and the rep assured me that I wouldn't get any late payments since I called before my next due date and that my account is in good standing and that no derogatory marks should report to my credit report. XXXX XXXX extended payment on this account to the XXXX and XXXX of XXXX to prevent any late reporting to my consumer credit report and the rep once again assured to me that my account is in good standing. But on XX/XX/XXXX a 30 day late payment was reported inaccurately to my Equifax consumer report. 

Under the Fair Credit Reporting Act, as outlined in 15 USC 1681, it's explicitly mandated that consumer reporting agencies like Equifax, XXXX, and XXXX must handle their responsibilities with fairness, impartiality, and a profound respect for consumer privacy. As a consumer, I have an inherent right to safeguard my private information, backed by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect their nonpublic personal information. 

The entities providing information to credit agencies, known as " Furnishers, '' fall under this definition of financial institutions. According to 15 USC 1681, Section 604 ( a ), any consumer report furnished by these agencies should strictly adhere to the written instructions of the concerned consumer. I assert that Equifax, XXXX, and XXXX the Furnishers of information to credit agencies have no right or written consent from me to furnish my information. All forms of consent, be it verbal, non-verbal, written, or implied, are hereby revoked. 
Moreover, under 15 USC 6802 ( b ) ( c ), financial institutions can not disclose nonpublic personal information to THIRD parties unless consumers are given an explanation of how to exercise their nondisclosure option. The failure to inform me of this right by the Furnishers is a notable omission. Additionally, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information without proper authorization. This inclusion, without my consent, violates the law.

Furthermore, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), agencies are prohibited from furnishing inaccurate consumer information knowingly. Equifax, XXXX, and XXXX  should maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, to prevent violations and limit the furnishing of consumer reports. reporting transaction history is illegal per this code Lastly, 15 USC 1681 ( c ) states no adverse items besides the conviction of CRIMES should be on the consumer credit profile and any item that is derogatory mark is not allowed into the consumer reports. This is a violation and anything added to the consumer report without written consent could be considered identity theft according to 12 CFR 1022.3.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: CO

Complaint narrative:
XX/XX/23 XXXX XXXX - " Missed Payment '' - {$100.00} Paid off. Even though the bill is incorrect as the last payment had been made to cancel service, transfer the number to XXXX. 

Attempted to clear negative info off the credit report. Contacted Experian, XXXX, and XXXX XXXX. None offered any solution to filing a correction to my credit report. Currently Losing lines of credit for negative impact. XXXX unhelpful Experian was too. Both condescending, rude, and uninterested.

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 2023-12-18 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: CA

Complaint narrative:
The following hard credit inquiries we're pulled without my permission. 

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 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 2023-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I submitted a dispute by mail via certified mail on XX/XX/XXXX to Transunion and XXXX for verification of a student loan account that appears to have inaccurate information on my credit reports. I asked Transunion and XXXX to do a reasonable investigation in to this account to ensure maximum possible accuracy according to 15 USC 1681 E ( b ). I received my dispute results from both XXXX and TransUnion and the information still is inaccurate. They both have failed to put who the account was transferred to which is XXXX. TransUnion is reporting the account wrong because my payment is current and on time in XXXX of XXXX but then in XXXX of XXXX it shows that I am 90 days late on the account. There is no 60 days late or 30 days late so it shows that the account was current in XXXX then in XXXX its 90 days late that is impossible. This is wrong and inaccurate and TransUnion fails to do a reasonable investigation which is a violation of my rights. XXXX is reporting the account wrong because they say my date of first delinquency was in XXXX of XXXX but I have proof that I made on time payments of XXXX of XXXX and XXXX did not provide any account history to show how much the account was delinquent in XXXX of XXXX it just starts from XXXX of XXXX ( 90 days late ) to XXXX of XXXX ( 120 days late ). There is no 30 day or 60 day late reporting and this is wrong. XXXX also is reporting a incorrect account number XXXX which is not even the correct account number for this student loan account I have evidence to prove that this account number is incorrect. This is a direct violation of my rights under 15USC 1681 E ( b )

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 2023-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened an online savings account with Citizens Access which is using Citizens Bank name on XXXXXXXX XXXX  and received a XXXX XXXX cent charge on XXXXXXXX XXXX  that the bank could not tell me where it came from, when I told them to look into it they put my account on hold and said it would only be ten days to review and its been longer than ten days and now they are telling me I can not withdraw my funds and close the account until they are done reviewing. I went as far as to speak to four agents within that time two of which asked for my full social security number and a series of generated questions to verify my identity, not of them said they could verify me with the phone number nor email I opened the account with, I told them at this point I could care less about the XXXXXXXX XXXX XXXX XXXX XXXX XXXX in there after they took XXXX XXXX cents, I just dont want an account with my name open that I have no control over, I just want to close my account and I feel like Im being scammed because I just want to close my account and can not do so.

Company response to consumer: Closed with explanation