vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 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: MO

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The following fraudulent, in-person charges were made to my account by someone who somehow got a hold of my credit card number. The charges were made in XXXX, GA, a city that neither myself nor the other authorized user on my account have ever even visited. 

XX/XX/21 XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX  XXXX {$38.00} XX/XX/21 XXXX XXXXXXXX {$11.00} XX/XX/XXXX XXXX XXXXXXXX {$28.00} XX/XX/21 XXXXXXXX XXXX XXXXXXXX {$6.00} XX/XX/21 XXXX XXXX {$72.00} XX/XX/21 XXXXXXXX XXXX  XXXX {$8.00} XX/XX/21 XXXX XXXX XXXX XXXXXXXX {$55.00} XX/XX/XXXX XXXX XXXX XXXX {$39.00} XX/XX/21 XXXX XXXX XXXX XXXX {$100.00} XX/XX/21 XXXX XXXX XXXX XXXX {$22.00} XX/XX/2XXXX XXXX XXXX XXXX XXXX {$91.00} XX/XX/21 XXXX XXXX XXXX {$34.00} XX/XX/21 XXXX XXXX XXXX {$24.00} XX/XX/21 XXXX XXXX XXXX {$57.00} XX/XX/XXXX XXXX XXXX {$62.00} XX/XX/21 XXXX XXXX XXXX XXXX {$72.00} I called Chase and disputed the charges. On XX/XX/21 Chase sent a letter stating that they were denying my fraud claim because I allegedly " received a benefit from '' the above charges. I again called Chase to complain and they re-opened the dispute. On XX/XX/21 Chase sent a follow-up letter again denying my fraud claim. I again called Chase on XX/XX/21 and they agreed to re-open their investigation. However, based on how things have been going thus far I am not optimistic that they will admit that these charges were in fact fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Hi CFPB staff, I opened a credit card at BECU and transferred a balance onto it. I scheduled regular payment unknowingly a day later than they were due. As a result, I received 7 late payment reports ( rather than 1 with 6 on-time payments ) beginning when I missed the first payment. BECU refused to correct the mistaken late payment reports to the credit agency and my score suffers ( and will continue to suffer for another number of years ) as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: FL

Complaint narrative:
Hello my name is XXXX XXXX and my personal information was leaked and effected by the data breach that took place in 2017. I wrote a complaint prior but I was emailed that the companies could not find me in there system. I have been experiencing extreme hardships with these fraudulent accounts on my credit report for some years now. I have tried to dispute the issue with the three bureaus but it has been nothing resolved. I've been directed to you guys in hopes to getting these accounts finally removed and end this long and tiredsome process. Thank You.

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 2021-07-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and my personal information was leaked and effected by the data breach that took place in 2017. I wrote a complaint prior but I was emailed that the companies could not find me in there system. I have been experiencing extreme hardships with these fraudulent accounts on my credit report for some years now. I have tried to dispute the issue with the three bureaus but it has been nothing resolved. I've been directed to you guys in hopes to getting these accounts finally removed and end this long and tiredsome process. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My issue is with PMI applied to my mortgage. The whole idea of PMI is absurd for a homeowner and is specifically set in place to target people who can not afford to put 20 % down on their house. The PMI doesn't go into the interest or the principle of the home, it just goes straight into the banks pockets. The rational behind it is that I can not afford to put 20 % down on my new home so therefore I must pay MORE for my home than someone who could afford it. It is a nonsense addon which targets poor or lower middle class families which does nothing but make their lives harder.

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 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Request has been made to Nationstar Mortgage Holdings Inc in XXXX of XXXX  to remove Private Mortgage Insurance ( PMI ) due to 80 % loan to value being met. Nationstar refused to submit a request for an appraisal to be done due to the loan being under 2 years and no " major updates/ square footage '' being added to the the home. The home has gone through and extensive porch renovation, plumbing replacement, and complete bathroom remodel. Nationstar alleged the prior mentioned renovations are " maintenance '' and would not meet the requirements to obtain an appraisal for PMI removal. According to THE SERVICING GUIDE / Part B, Escrow, Taxes, Assessments, and Insurance / Chapter B-8, Mortgage Insurance / Section B-8.1, Conventional Mort / B-8.1-04, Termination of Conventional Mortgage Insurance obtained from the XXXX XXXX Website . 

We meet the following excerpt : If XXXX XXXX minimum two-year seasoning requirement is waived because the property improvements made by the borrower increased the property value, the LTV ratio must be 80 % or less. 
Note : The borrower must provide details to the servicer on the property improvements made since the mortgage loan 's origination. Improvements that increase value are typically renovations that substantially improve marketability and extend the useful life of the property ( e.g. kitchen and bathroom renovations and/or the addition of square footage ). Repairs that are made to keep the property maintained and fully functional are not considered improvements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
My Mortgage is in forbearance. The mortgage co I am dealing with has been deceptive and had terrible customer service. I have had to call them regularly about my forbearance as their website takes me in circles. Each time I talk to someone on the phone they do not know what they are doing. They have been misleading, misinformed, unhelpful. They will send me no paperwork about my home being in forbearance. Their excuse is they are backlogged, but they will escalate the request, which of course never achieves a result. Every three months I am charged a late fee for my mortgage of {$290.00}. When I call and say it is in forbearance, they say " You only requested Forbearance, you were never granted forbearance '' .They are always trying to force me into a Loan Modification. They have been deceptive, have terrible mortgage servicing practices, mistreated the consumer, terrible mortgage servicing misconduct, and are putting me at risk for losing my home. They have taken servicing shortcuts and charged me unnecessary fees. They have deceptive and abusive practices. They have harmed me as a consumer. I have spent hours on the phone with these people and it always falls on deaf ears. I have documented every call.

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 monetary relief
Consumer complaint received 2021-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I've previously disputed inaccurate accounts with Transunion several times over the past year via XXXX Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... This specific account XXXX XXXX is recorded in negligence and needs to be removed. I've been disputing this XXXX XXXX account for over a year now with Transunion, this account Re-Ages every month when this collection agency falsely states that this account is verified and shows an inaccurate OPEN account status. This is inaccurate reporting. Transunion remains in non-compliance.

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 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
received notice of inquiry from Experian regarding an inquiry from the XXXX XXXX XXXX XXXX in my name. I have not applied to them in my name, ever. 
XXXX confirms a request in my name for $ XXXX. I informed them it was 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 non-monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
EQUAFAX CONSUMER REPORTS AGENCY LEAKED MY INFORMATION IN XXXX IN A DATA BREACH I WOULD LIKE COMPANSTION FOR MY EFFORTS TO TRY TO FIND WHO HAS USED MY CRIEDIT I DONT HAVE A CLUE WERE OR WHAT TO LOOK FOR AND THIS YEAR

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
I keep getting a collection account showing up on my credit report. Sequium Asset XXXX  I disputed the report, they removed it. Then they added it back on again. This is not my account they are trying to collect on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert A. Schuerger Co., LPA
State: CA

Complaint narrative:
Collector keeps calling me after debt was paid. Keeps trying to record phone call and I am not comfortable being recorded. Threatens me with increased collection tactics, higher interest paid. 

Also original creditor is charging fees not agreed to in the original agreement signed in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: PA

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on 7/21/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT

Complaint narrative:
XXXX XXXX XXXX is not applying my payments to escrow properly and this is adversely affecting my credit. 

No response from the company via email or phone. 

If you do get through the automated phone prompts a representative will just place you on an eternal hold. 

No real regulatory oversite either as CFBP does not follow up on claims to assist with a peaceful resolution.

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 2021-07-21 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian as credit reporting agency did not investigate well when dispute was filed. The account was never late, the payment information the original creditor had on file never declined. The original creditor never contacted me for late or missed payment. The creditor stopped collecting the debt at its own will. And then sent it to collections. 
I contacted Experian to resolve this matter. They said they have verified the debt without fully investigating it.

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 2021-07-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I've previously disputed inaccurate accounts with Equifax via USPS Certified Mail. While some items were corrected some items still remain inaccurate. I disputed my accounts in good standing because they aren't reported accurately as they should be on a monthly payment frequency. Equifax does not record any of my payments in the historical payment data pattern history on any of my revolving and installment accounts. Equifax records in the comments of my revolving accounts " amount in H/C column is credit limit '', Equifax also reports {$0.00} for H/C amount. This is inaccurate reporting and is damaging to my credit score and report .... Because the comment " amount in H/C column is credit limit '' is found on all my revolving accounts, I will say that this is done blatantly by Equifax credit reporting agency..this is unlawful reporting ... Upon investigation of my dispute directly to Equifax, Equifax credit reporting agency still reports the same inaccurate information for the following revolving accounts. XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  ( Both XXXX  XXXX Accounts )

Company response to consumer: Closed with explanation