vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account status incorrect
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX # XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
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 — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC
State: IN

Complaint narrative:
On XX/XX/year>, I asked Flagstar Bank to cancel my PMI for my mortgage loan with them. In support of my request, I provided a copy of my county 's appraisal of my property, which documented a loan-to-value ratio ( LTV ) under 80 %.

My request to remove my PMI was denied b
y Flagstar in a letter dated XX/XX/year>. I called Flagstar and a representative informed me that the PMI waiver requirements included completing a 24-month payment history. I explained that the form provided by Flagstar did not include that in its list of requirements. He agreed. The representative then also informed me that substantive improvements to the property had to be made before the PMI could be cancelled. I explained that the form also did not mention that requirement, though it listed others. He agreed. 

This is a deceptive business practice. Flagstar should include in its official PMI waiver request form its actual requirements for removing the PMI. If Flagstar had provided its actual requirements instead of the ones listed on the form, then I would not have wasted my time applying to have my PMI removed. 

In addition, the Flagstar representative also explained that appraisals provided by local governments for property tax purposes are not acceptable forms of appraisal for PMI removal requests. This policy is also not mentioned on the Flagstar PMI waiver request form.

A copy of Flagstar 's " PMI Waiver Request Form '' is attached for reference.

The representative then informed me that Flagstar 's PMI department can not be reached by telephone and that I would not be able to discuss the matter by phone with a Flagstar PMI representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-06-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Upon reviewing my credit report, I discovered several inaccuracies and unauthorized information/accounts reporting to my credit report. These comments have negatively impacted both my life and credit standing.

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 2024-06-04 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want 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 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: IN

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I have the American Express Optima Card, which I am thankful for. I received the card after paying the balance of my American Express Hilton card ending in XXXX, albeit it was after the fact. About one month after receiving my card, I started dialoguing with American Express 's Credit Bureau Department about removing the " paid chargeoff '' account that has numerous errors. On two separate occasions, not one but TWO representatives confirmed that the old account would be removed from the report both because of the errors and as a courtesy, stating that American Express believes in helping people who make their accounts whole with them again. To this day, American Express has not kept their word in removing the older account, and I want them to uphold their promise to remove that account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NE

Complaint narrative:
My issue is two-fold : 1. For almost 2 weeks, I have not been able to log into my Mohela account. I have tried contacting the servicer several times but I am met with wait times over 1-3 hours. I have a job that does not allow me to be on the phone all day waiting. I am worried that with me not being able to log in to the website to make a payment, I will get derogatory marks on my credit report for the lack of their system not working. I am met with this error when trying to log into the website : " System-Platform Transfer Notice Your federally-owned loans serviced by MOHELA have begun to transition to our new loan servicing platform. Your loan information in the phone system and online will be available once the transition of your loans to the new platform is complete. Your loans will still be serviced by MOHELA. '' This should not be this long of an ongoing problem. 

2. The second issue is, that over the last 2 years, I have submitted via mail to Mohela to have my loans forgiven. I qualify under XXXX since I have qualifying federal student loans to be forgiven working for a qualifying public service employer and have made XXXX qualifying monthly payments. I have submitted the proper documents 3 times to Mohelas office : XXXX XXXX XXXX, XXXX XXXX, MO XXXX. They have shown on the website and stated on the phone that they have received my requests and are being processed. However, that is the state they have remained in for over 2 years. These need to be processed so my loans can properly be dismissed so I can stop making unnecessary payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my JPMCB CARD # XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account ending in XXXX with XXXX should not have been closed. They claim on certain dates stop payments were made or there were insufficient funds. My bank, XXXX has confirmed that there were sufficient funds on XX/XX/XXXX for {$78.00} and {$50.00} on XX/XX/XXXX. And XXXX confirmed no payment attempts were made against my account for those dates. They wrote two letters indicating the dates XXXX payments were denied. One was for XXXX XXXX XXXX on XX/XX/XXXX ( fraud ) for {$51.00} and XXXX XXXX XXXXXXXX for {$10.00} on XX/XX/XXXX ( fraud ). These are the only two times payments were stopped in regard to XXXX. Again funds were available on the dates XXXX claims to have attempted to withdraw those payments. And no stop payments were issued on those dates. My account was in good standing, and it should not have been closed. And someone should have contacted me about any payment issues before closing my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XX/XX/24 while purchasing airline tickets on XXXX, a Special Offer was made on my computer screen to receive a {$400.00} statement credit on the ticket I was purchasing ( I have a screen shot ). I read the conditions for the statement credit ( I also have a screen shot of this ) and decided to proceed XX/XX/24 I clicked on the offer and completed the credit application for Platinum Select Citi Card XX/XX/24 I was approved and given a temporary digital card which I used to complete the ticket purchase ( I have a receipt ) I then waited the required XXXX weeks for a statement credit to be given on my new account The statement falling within the XXXX weeks waiting period closed on XX/XX/24 When I received that statement, I contacted customer service on XX/XX/24 and spoke with XXXX. She advised me to email XXXX XX/XX/24 I emailed XXXX from my personal email explaining I had been offered the special statement credit while applying for a NEW card XX/XX/24 I had not received a response to my email, so I followed up with a second request XX/XX/24 I still had received no response to my email, so I called customer service again. XXXX advised me that they have XXXX BUSINESS DAYS to respond to my email XX/XX/24 I received a letter dated XX/XX/24 and post marked XX/XX/24 ( which XXXX knew nothing about ) denying the {$400.00} new account offer to be applied to my EXISTING account I only opened the account because of the offer and I have no other existing accounts with Citi. 
XX/XX/24 after receiving the letter, I called the number given in the letter to receive further assistance as instructed and spoke with XXXX. He advised that new account inquiries need to be submitted within 90 days. At the 90 day point, I was waiting for the required XXXX weeks to receive the statement credit as explained above. He offered to transfer me to a supervisor and I then spoke with XXXX. She advised she could not help and that I needed to start the process all over by emailing the same email as before. 
XX/XX/24 - I received a second letter denying to honor the offer saying it was a generic online offer and I was not solicited for it. My screen shot says differently. 

To advertise a promotional statement credit and then not honor the promotion is fraudulent and misleading. Consumers should beware.

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 2024-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST CREDIT FINANCE
State: CA

Complaint narrative:
my car was repo on XX/XX/XXXX but looking thru my receipts i have finish paying for the car in full even have paid more then the balance due i have been requesting a payment history of payments i have made to first credit finance they just tell me it has been put in the mail but have not received anything my car is expected to be sold in the auction in the next days but now i call and my calls are not being answer and i have proof that my car has been paid off and they will not send me the payment history to clear this matter also they have stop sending me invoices since last year around XX/XX/XXXX ever since have not received any statements from them they had just been calling regarding payments that i had send in, i called on XX/XX/XXXX requesting copy of my contract and payment history at the same time only received copy of contract called again on XX/XX/XXXX the assured me it had been put in the mail on XX/XX/XXXX it is today XX/XX/XXXX i have not received it and have not return my call. i do have proof of payments but i need my payment history to compare the amounts

Company response to consumer: Closed with explanation