vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Our loan loan was being serviced by XXXX originally which they reported it late on our credit during a COVID forbearance. We had to file a complaint back a few months ago to remove the late payments which has been fixed. 

The loan was transferred to Mr. Cooper during the forbearance. It took months to get Mr. Cooper to finalize the forbearance but when it was finalized they claim to have sent mail regarding the terms. They told us to call which we did several times to confirm the final details of the forbearance ending but they continued to tell us we had to wait because it was also too new in their system. 

We logged in yesterday to see the account and it showed it was 30 days past due. We called and they claim the forbearance was finalized as a COVID forbearance and the first payment after the forbearance would be XX/XX/XXXX but we weren't notified. They claimed to have mailed us but we haven't seen the mail and for the first few months they took the loan over they promised our credit would be protected due to the COVID forbearance and the recent servicing transfer but now they're saying the two protections ended and they're going to report late. 

We don't understand why we're under short timelines to finalize a combined COVID forbearance and servicing transfer. We made the payments to get the mortgage caught up but we believe the servicer, who couldn't give any answers for the first 60 days we were notified of the transfer should be giving us grace on the reporting. We proactively contacted them several times hoping they would have clear answers and they didn't. Instead, they promised we would be protected, never called back and claim we were notified with mail only which we didn't receive. They are also claiming the credit protections for the servicing transfer and the COVID forbearance both ended the same time so they started the same time, ended the same time but since the loan was transferred in the middle of the forbearance they didn't extend the protection perpetually. They both ended the same time but the complexity of the situation didn't allow them to give us an answer at the time of the transfer. In short, the protections didn't do what they're supposed to do and the complexity of a loan transfer in the middle of the COVID forbearance prohibited the new servicer from handling the transfer and the end of the forbearance properly resulting in our negative reporting. We wish to have this addressed and the credit reporting corrected.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Date : XX/XX/XXXX Amount : {$20.00} interest for XX/XX/XXXX payment although account due XX/XX/XXXX was paid {$920.00} on a due bill of {$920.00} Consumer statement : we will not charge you interest on purchases if you pay your entire balance by the due date each month. 

Company explanation ( XX/XX/XXXX and recorded ) : We charge interest for 3 months following any partial payment until you are back in grace with three full months of full payments. 

The Issue : XXXX XXXX would not put this explanation in writing because it contradicts the statement about no interest charged for payments made in full. This written statement was requested because this explanation is provided no where in the bill. This consumer explained this appears to be a firm of credit fraud. The explanatory statement was made on XX/XX/XXXX at XXXXXXXX XXXX EST in a recording by a supervisor when the credit card disclosure was read to them and they were asked where in the bill this " 3 months grace '' rule is made. It is not in the XX/XX/XXXX AAA Visa credit card bill. This seems to be unfair, deceptive, and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: MN

Complaint narrative:
I am victim of ID THEFT and I reported this to my local police department and they asked me to file a FTC ID THEFT report and send it to the creditor XXXX XXXXXXXX and the credit bureau agency. I have attached the FTC affidavit and are asking transunion to block this fraud XXXX  XXXX account from my credit bureau report.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE REMOVE all of the following UNAUTHORIZED FRAUDULENT INQUIRIES : 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 non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP
State: NY

Complaint narrative:
I reached out to key bank in regards to false reporting to the XXXX credit bureaus. I requested a dispute and they denied my request as if the reporting was accurate on my credit card utilization. I have proof of my minimal payment being paid on the due date and also paying additional money before statement date making my utilization below XXXX % which they reported. In key bank still refuses to correct the inaccuracy. Because of this my credit score decreased by XXXX points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-03 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: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 Sec 602 - " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. 
I have the right to make sure my private information isn't shared which is backed by 15USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the customers nonpublic personal information. XXXX XXXX XXXX  is a financial institution under that title. 15 USC 1681 section 604 a section 2 states that " in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX  the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, XXXX, XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non-disclosure option. XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse item of this information, other than records convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) States " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 15US Code 1681 states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' XXXX and XXXX are not maintaining reasonable procedures. Also, 12CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
PLEASE REMOVE all of the following UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I submitted a complaint on XX/XX/year> because I had an AMEX gift card that was unusable on XXXX, XXXX and any other website I tried as well as being unusable in person in a grocery store. I received confirmation from CFPB that they sent my complaint to AMEX. But then they closed the complaint because AMEX said they were sending me a check for the {$250.00} value of the card and cancelling the card. They misspelled my name on the check even though it was spelled right on the letter and the complaint and the gift card. So my bank will not cash it, even though it's similar to my name and has my mailing address on it. There is no phone number or contact info on the check payment stub nor on the letter they sent. So I'm basically starting the entire process over again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I'm one of the Sweet vs. Cordona plaintiffs that won the lawsuit for 100 % forgiveness via Borrowers Defense. Aidvantage had up to XX/XX/year> to remove my student loan from my file, but they didn't per judge 's order. They are still incorrectly reporting and has caused ensuing damages to me because of my debt to income ratio has caused me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I was given XXXX American Express gift cards. Amex advertises that " Funds Never Expire '' and the expiration date on the cards are listed as XX/XX/30. When I attempted to use them recently, I found that they were not active and that funds had been sent to the State of California for Escheatment. They are misleading in their explanation of " Funds Never Expire '' and the Expiration date printed on their card. Additionally, when I asked how I was supposed to request the funds from the State of California as there is no name on the card for me to search, I was not given a clear answer as to how to obtain the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-03 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: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems LLC has put a false debt on my credit report. They still have my social security number and trying to harass me with this false debt that they can not ever verify. This debt that they are trying to collect does not belong to me. They also agreed upon that they would not contact me about this debt. They have threaten legal action, and that is not permissible according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
The original lender was XXXX XXXX and it was a payday loan. Now that original lender will only direct me to the company they sold the debt too. I understand that the payments were made after charge off but the payment was accepted and posted I have screenshots and bank statements. The collection company called me stating I had a payday loan which I told them I do not. I requested them to send mail me proof and they mailed the original loan information for the loan and they have failed to do so. The dates have been changed to prolong the debt, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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 express my deep dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. This issue involves not only the theft of my personal data but also the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied on to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I request that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed XX/XX/year> reference XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
Okay this is what has happened! I ordered XXXX for my home but then they wanted to charge me so much money I decided I did not want it, so I called to inform them I could not pay for it because it was just too high. Mind you I only have the equipment for a week or lest than that cause I cancel my service prompt. Now they want me to pay a total of {$520.00} for the equipment that I only have for a week. Now they put this on my credit report to hurt my credit I just got it fixed. Now if they want to work some out I will do that but I really don't think I owe them anything. So they turn it over to a creditor to bring down the rating. Not fair at all. And all this took place around XXXX or XXXX I have to look at the bills they sent me. XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: MI

Complaint narrative:
Pursuant to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TransUnion is a consumer reporting agencies, and I am the Consumer. I am writing to bring to your attention that the address ( XXXX XXXX XXXX XXXX XXXX, MI XXXX ) associated with my consumer credit report is a non-mailable address that promptly need to be removed from my consumer report.

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 2024-06-03 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: GA

Complaint narrative:
XXXX, XXXX, & Equifax continue to report incorrect information even after my repeated attempts to get the information deleted. My name is XXXX XXXX there should be no other names listed. I have previously requested this name change and neither consumer agency complies. My address is XXXX XXXX XXXX XXXX GA XXXX there should be no other addresses listed on my consumer report. The consumer agencies keeps replying that I need to contact various other creditors to have the information removed and that is not correct it is my job to validate or prove the information is correct this jobs lies with the consumer agencies since they are the ones reporting it. Since neither provided me with evidence to prove its correct I have filed arbitration against each consumer agency this is now your notice to pay the filing fees involved in which you will be notified of the proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: GA

Complaint narrative:
XXXX, Experian, & XXXX continue to report incorrect information even after my repeated attempts to get the information deleted. My name is XXXX XXXX there should be no other names listed. I have previously requested this name change and neither consumer agency complies. My address is XXXX XXXX XXXX XXXX GA XXXX there should be no other addresses listed on my consumer report. The consumer agencies keeps replying that I need to contact various other creditors to have the information removed and that is not correct it is my job to validate or prove the information is correct this jobs lies with the consumer agencies since they are the ones reporting it. Since neither provided me with evidence to prove its correct I have filed arbitration against each consumer agency this is now your notice to pay the filing fees involved in which you will be notified of the proceeding.

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 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am currrently working on my Credit to purchase a home, I went on to all XXXX credit websites and notice some accounts that were on my report that weren't me. I went on to dispute them and requesting that they send me a copy of the contract along with my signature all but XXXX of them were not removed. Which is portfolio recovery llc since then they have called and they have came to to my home and served my XXXX XXXX XXXX son with court papers. The papers state I'm being threaten to have my wages garnished along with putting liens on property. They also do not have any papers signed by me, They sent me statements from them to an account that was reported compromised long ago and closed. Also I have reported my Identity stolen twice already these harrasments should have stopped ... XXXX have called all numbers that are public domain and harrased a XXXX XXXX I no longer have. What can I do to end this harrasment.

Company response to consumer: Closed with explanation