vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My mother passed on XX/XX/. Her home was sold on auction 2 years ago. We have not seen a dime of this money and it is getting ridiculous. The home was sold for over XXXX and she only owed roughly XXXX. Her estate has not received any of the money that it was supposed to receive. At this point if I do not hear from someone today regarding this matter, then I will initiate complaints with CFBB, XXXX  and Attorney 's XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
i have been struggling to make payments but i have been paying weekly to help get caught up. when i signed the contract for the auto loan the amount was for a total amount of {$54000.00} which included the loan amount of {$36000.00} and an interest charge of {$18000.00}. after divorce in XXXX i had a loss of income. covid 19 made things even harder and then a XXXX in XXXX just added to the complications. but i managed to continue paying whatever i could to avoid repossession. as of today i have paid {$54000.00} of the total due of {$54000.00}. they still want me to pay an additional {$8500.00} which is just more interest that i just cant afford and they will not accept anything less. i have already paid alot of interest and now instead of paying what my loan contract states they want me to pay a total of {$62000.00} and i just dont think that is fair and that i need some assisatnce as they are sending me letters that if i dont pay a certain amount by a certain due date the car can be repossessed

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 2023-11-24 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX  XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-24 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received two digital American Express Reward Cards ( totaling {$150.00} ) through my employer fitness program and am unable to make any purchases online with them. I have attempted purchasing directly with the card number as well as indirectly with XXXX XXXX and XXXX. Additionally, I am unable to add the card to XXXX to attempt purchasing with them. I have also attempt to contact the company through the number they provide, but do not receive any method to speak with an individual to resolve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24 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: NV

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: Synovus Bank
State: IL

Complaint narrative:
I am filing this complaint to 1STPROGRESSXXXX. I am writing to formally express my deep concern and disappointment regarding the lack of action taken to correct and remove fraudulent accounts that persist on my credit report. Despite my diligent efforts, the presence of these inaccuracies continues to impact my reputation adversely. On XX/XX/, XX/XX/XXXX  and XXXX XXXX, I submitted dispute letters to 1STPROGRESS/XXXX, detailing the fraudulent accounts and requesting their prompt correction. Regrettably, to date, I have not witnessed any substantive action taken to address these discrepancies. This prolonged delay is distressing, as I anticipated a swift resolution to ensure the accuracy of my credit file. To assist in your investigation, I have attached my Federal Trade Commission ( FTC ) report with the reference number XXXX. I believe this report provides additional context and evidence supporting the urgency of this matter. I am genuinely disappointed that the information on my credit report does not accurately reflect my financial history, as I expect from a reputable credit reporting agency. I trust that 1STPROGRESSXXXX  will take immediate and comprehensive action to rectify this situation and uphold the accuracy and integrity of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XXXX XXXX my insurance agent submitted the quote along with the offer from XXXX for windstorm and hail insurance and from XXXX for hazard insurance on my property. Funds were available in escrow for both policies. PNC paid the hazard insurance, but did not pay the windstorm and hail policy. PNC put forced insurance on my property for the windstorm. This forced insurance increased my mortgage payment. I requested that a case be opened and research be done showing that documentation be considered showing that everything done on my end was done correctly and in a timely manner which should have prevented this issue from arising. 

PNC then determined that the documents that were submitted was a quote and they could not accept a quote as proof of coverage. Now to be clear I have the quote, but I also have an offer of insurance from this company, dated for the same day, XXXX XXXX, should I accept the offer ; I would need to make a payment. This offer letter has the premium amount and a coupon requesting payment should I accept. Nowhere on this offer does it state that its a quote. At this point, the insurance company is requesting payment if I want the policy. 

My insurance agent stated that most insurance companies offer a 10 day grace period for payment, but this company does not. When a payment for the policy is made then the coverage will start, hence acceptance of their offer. There will be no declarations page until the policy is issued and the policy is issued upon receipt of payment. 

Also, the premium that they finally paid from my escrow is with the insurance company that gave the quote and made the offer. It should be evident that XXXX was awaiting payment from them. 

I have gone round and round with PNC. Ive done everything that I could have possibly done correctly and in a timely manner. Funds and paperwork was in PNC possession. They finally ended up paying the premium and cancelling the forced insurance, but now they are expecting me to pay for the time period of the time of coverage that had lapsed until when they decided to pay the premium. This had nothing to do with me or my agent. The mortgage company, PNC, had everything they needed for insurance to be placed on my property. They payed Hazard and not the Windstorm and are looking for me to pay for their incompetence. This is unethical and it should be unlawful. My agent and I have done everything we know do to prove to this company that weve done our due diligence, yet they are ignoring the obvious facts. I need help to resolve this matter. The consumer should not feel like they are being railroaded by their lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX  I had submitted a dispute to experian through their website. To have them investigate several different negative accounts. That is currently listed on my experian credit report. On XX/XX/XXXX  Experian responded to my dispute that I submitted to them online through their website. Stating that they only updated the information listed under these creditor accounts, which I didn't request experian to do at all.

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 2023-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I have good credit fie with no charge offs or derogatory. I was listed as additional cardholder with Capital One on another individual 's Capital One credit card account. Capital One, when calling in did, and currently do, read a disclosure statement as an additional cardholder. The disclosure from Capital One, reads, I will not be personally responsible for the card. When applying for credit, other credit card companies advise me the credit card is not approved because negative Capital One account being perceived and judged by credit providers as my bad credit and responsibility for. After disclosing to credit card company providers, I don't have or hold a Capital One account, its another individual 's action and unfairness to me, in impacting and reporting on my credit causing perceived responsibility and defiantly NEGATIVE, the credit providers are disclosing its on your credit file as a large negative and impacting your ability to get credit until " i remove it '' or I pay it and this makes me responsible. Because I now need to appeal to remove it, its become something I am responsible for and that conflicts with Capital One disclosures too. This raises questions of fairness and morality too, me as a separate individual and nn account holder of Capital One. As NO other credit card provider i was additional cardholder for is reporting negative on my credit file, only Capital One. I am now in position to be responsible for removing the credit card, from my individual reporting, and because of this my credit worthiness is being impeded. I request it to be removed by Capital One from my credit file. My overall credit usage is {$3300.00} and at the time of filing this I only had 10 % credit utilization making me a good credit candidate, but for Capital One 's negative reporting on my file, for another individuals action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: HI

Complaint narrative:
I have good credit fie with no charge offs or derogatory. I was listed as additional cardholder with XXXX XXXX on another individual 's XXXX  XXXX credit card account. XXXX XXXX, when calling in did, and currently do, read a disclosure statement as an additional cardholder. The disclosure from XXXX XXXX, reads, I will not be personally responsible for the card. When applying for credit, other credit card companies advise me the credit card is not approved because negative XXXX XXXX account being perceived and judged by credit providers as my bad credit and responsibility for. After disclosing to credit card company providers, I don't have or hold a XXXX  XXXX account, its another individual 's action and unfairness to me, in impacting and reporting on my credit causing perceived responsibility and defiantly NEGATIVE, the credit providers are disclosing its on your credit file as a large negative and impacting your ability to get credit until " i remove it '' or I pay it and this makes me responsible. Because I now need to appeal to remove it, its become something I am responsible for and that conflicts with XXXX XXXX disclosures too. This raises questions of fairness and morality too, me as a separate individual and nn account holder of XXXX XXXX. As NO other credit card provider i was additional cardholder for is reporting negative on my credit file, only XXXX XXXX. I am now in position to be responsible for removing the credit card, from my individual reporting, and because of this my credit worthiness is being impeded. I request it to be removed by XXXX XXXX from my credit file. My overall credit usage is {$3300.00} and at the time of filing this I only had 10 % credit utilization making me a good credit candidate, but for XXXX XXXX 's negative reporting on my file, for another individuals action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Car has been paid off from other party XXXX XXXX and also XXXX XXXX paid. This was due to other car crashing into my car. XXXX XXXX  has been paid off. They are ruining my credit report stating I am at delinquency. They are the worst bank one can bank at they have fraud many people including myself with my other vehicle its completely paid off but their saying I still owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXXXXXX  I mailed a certified letter to USAA Savings Bank. The letter explained the inaccurate reporting on my consumer report. According to my consumer reports from XXXX, XXXX and XXXX this credit card account was charged off in XX/XX/XXXX. According to IRS Publication 4681 a charge off or canceled debt must be reported as gross income on your tax return. The lender must file Form 1099-C and send the consumer a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency or other applicable entity. I never received my copy of Form 1099-C. USAA Savings Bank is in violation of 15 USC 1681 s-2. I requested my copy of Form 1099-C and the deletion of the account from my consumer reports. USAA Savings Bank responded with a letter dated XX/XX/XXXXXXXX  stating for dispute reason " other '' the information in question is being accurately reported to the consumer reporting companies. Income does not get reported on consumer reports which in fact makes the reporting of this account inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: NV

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2023-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Purchased the product from XXXX on XX/XX/23. Sales rep filled out all paperwork in front of us so we could do payments on the product. Sales rep informed that payments would not be requested from their second party payment service until 30 days after delivery. XXXX occurred on XX/XX/23. By XXXX nothing had been sent to our address concerning a statement or credit card. XXXX was called to attempt to get information but we were told they had no access to this information, only the company. Attempted to contact the company, TDfinancing, multiple times throughout the span of a week and was only able to speak to an actual representative once who referred us to the same automated questionnaire that required an account number to access our account to make payments. We do not have an account number and have tried to obtain this information multiple times with no response unless we are able to provide the account number we were never given. We received only XXXX email from the company in a promotional form but nothing has been sent through the mail or through email with information to get us signed up and started to make payments. An email was sent to the company on XX/XX/23 after we became hopeless that calling the company would yield any help ; no answer has been received in response to the email. The company site advised they will respond within 30 days, however, it seems very unlikely with our experience and as that timeframe begins to come to a close that any response or help will be given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24 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: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-24 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: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation