vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I am writing to express my grave concern and dissatisfaction with the conduct of XXXX XXXX XXXX, a representative with whom I have been in contact regarding mortgage assistance. I believe it is crucial to bring to your attention the alarming circumstances surrounding his actions, which I fear are preventing me from receiving fair and equal representation in my attempt to seek mortgage assistance. 

During our recent interactions on XX/XX/XXXXI have become increasingly apprehensive about XXXX XXXX 's behavior, which gives me reason to believe that he may be obstructing my efforts to obtain the necessary assistance. I am deeply troubled by the following issues : Discriminatory Conduct : I am concerned that XXXX XXXX 's judgment and actions are influenced by biases, as I feel unfairly judged and discriminated against during our conversations. This undermines the principle of fair and impartial treatment that I expect from your organization. 

Impediment of Mortgage Assistance : It appears that XXXX XXXX may be intentionally hindering my ability to secure mortgage assistance. This not only goes against the principles of fair representation but also raises questions about the integrity of the assistance process. 

I am particularly distressed by the prospect that XXXX XXXX XXXX be working against my best interests, potentially leading to serious consequences such as foreclosure on my home. This situation is causing me significant distress and is a direct impediment to resolving the mortgage-related issues I am currently facing. 

I urge your organization to conduct a thorough investigation into this matter. It is crucial to ensure that all customers, including myself, are treated fairly, without bias, and have equal access to assistance programs. Additionally, I request that appropriate measures be taken to rectify any discriminatory practices and to guarantee that XXXX XXXX fulfills his role in assisting customers without prejudice.

I appreciate your prompt attention to this matter, as it directly impacts my financial well-being and housing stability. I trust that your organization will address this issue seriously and take the necessary steps to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian : On XX/XX/2024, I mailed over a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from XXXX that was issued by them on XX/XX/2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion placed a fraud alert on my credit profile without my permission, and I did not request the alert be placed on my account. 

I did request that unauthorized inquiries be removed, and they did not remove said unauthorized inquiries. Rather, they placed an unauthorized fraud alert on 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 2024-01-26 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2024-01-26 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # 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 an account without my written instructions

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 2024-01-26 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I have been trying to resolve a matter with Citibank Visa, since XX/XX/XXXX. A refund yo XXXX XXXX XXXX XXXX in the amount of {$980.00}, from Citibank was due in XXXX of XXXX. I was told by Citibank that it was done. XXXX XXXX has not received as of today, XX/XX/XXXX. I had to pay the refund in XXXX of XXXX to XXXX XXXX  I needed to renew my license and couldnt with an outstanding balance. Citibank has given me numerous transaction numbers and XXXX numbers to provide to XXXX XXXX to prove they refunded the money. They have all proved to be bogus numbers. I have spent countless hours on the phone with Citibank in the last 7 months. I have spoke with the recovery team supervisors many times, only told it was being reviewed to find out why XXXX XXXX hasnt received the refund. I have been promised phone calls with updates. No one ever calls. The last supervisor I spoke to on XX/XX/XXXX, told me I would receive an update on XX/XX/XXXX and XX/XX/XXXX. at the latest. I had to call today because no one called me back. She told me she was unexpectedly out of the office. She was sending another email to XXXX, the supervisor team member handling my case. When asked when I would receive an update, she told me XXXX was out of the office and didnt know when she would return. 
Citibank isnt disputing a refund is due. They are saying it was sent and they dont know why XXXX XXXX  hasnt received it. They will not let me speak to review team or give me an email to contact XXXX, investigating my claim. 
So 7 months later, I am still out {$980.00}. I am a good customer of Citibank. Always pay my bill and have excellent credit. I appreciate any help you can provide.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX ) has reported a derogatory account of {$490.00} on my credit report, and I was never notified of this debt before it appeared on my credit report. 

I have initiated multiple disputes, addressing the failure to notify me of the debt and the lack of proper time allowed for disputing inaccurate information. Despite informing TransUnion and XXXX of these violations, they persist in conducting automated investigations and refuse to comply with Fair Credit Reporting Act ( FCRA ) Regulations. 

On XX/XX/XXXX, I filed a complaint against XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX. Several weeks later, on XX/XX/XXXX, XXXX updated the balance to {$320.00} in response to my complaint. This swift adjustment suggests a lack of thorough investigation by the credit bureaus and indicates XXXX 's uncertainty about the accurate debt amount. 

In my reply to XXXX on the same day, XX/XX/XXXX, I asked for concrete proof of debt notification and validation. They claimed to have " no record of that letter being returned undelivered and no record of me disputing the debt or requesting validation during the XXXX period. '' It's unsurprising that they have no records, considering they never sent anything. What record could they possibly have? If you sent it by certified mail, why are you unable to provide the receipt? 

However, their response on XX/XX/XXXX failed to offer any evidence of notification, lacking a certified mail receipt or any supporting documentation. Instead, XXXX provided a validation of debt that contradicted the amount reported just XXXX days earlier ( See supporting Evidence ). 

Despite previous disputes that returned as verified, XXXX failed to update the status to " in dispute. '' It is apparent that the debt was not {$490.00} nor was it {$320.00}. As of XX/XX/XXXX, an additional {$130.00} has been removed, reinforcing the assertion that the debt is neither accurate nor valid, as previously outlined in disputes that were disregarded ( See Supporting Evidence ). 

Additionally, XXXX 's failure to update the status to " in dispute, '' despite multiple investigations they claim to have conducted, and the reporting of the date of last activity in different years for both Transunion and XXXX further solidify that none of the involved parties are performing any meaningful investigation or verification.

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 2024-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Was just notified from the Bank that if I did not go to paperless statements, they would begin charging me a what I consider to be a 'junk fee ' of {$1.00} per month anytime I had a balance of more than {$2.00}. This was a change from their initial terms and conditions from when I opened up the credit card account. I know the CFPB has made significant improvements in the industry regarding 'Junk Fees ' and wanted to call this out. I will go paperless because I have no choice.

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 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
As stated in my last correspondence, Portfolio Recovery Associates has obtained this account as a result of material misrepresentation, fraud, & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ) and IC 35-43-5-3.5 & IC 35-38-1-2.5. 
XXXXXXXX XXXX did not legally obtain my consent to sale, transfer, assign, or disclose any non-public personal information pertaining to this account with Portfolio Recovery Associates or any other third part as regulated by 15 U.S. Code 6802 of the GLBA. Additionally, XXXXXXXX XXXX  failed to provide the consumer with FULL disclosure at the initial signing. Failure to provide FULL disclosure of material information that is known to be relied upon by the consumer is misleading, an unfair method of competition, and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CO

Complaint narrative:
Credit report shows name of collection agency ( AmSher ) with outstanding debt of XXXX. It appeared this was initiated in 2021. I tried contacting agency and was twice redirected to scammers. I contacted company ( XXXX XXXX ) where debt originated and of course, they have no record of me, my name, address or other info that would indicate I had ever done business with them. I contacted XXXX and FTC and now am trying to jump through all these hoops to get the fraudulent report removed from credit record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I tried to withdraw {$1800.00} from my Robinhood spending account into my XXXX XXXX wallet because my mortgage was due. There was an unexpected error. That mightve been my fault for changing the names on the billing address They just restricted my account. Never tried to contact me to resolve the issue. I had to contact them on the XXXX of XXXX when they told me to take a selfie and upload my ID which I did for them to tell me wait till the XXXX They still never tried to reach out to me. I had to contact them again on the XXXX when they asked for my bank account statements, which I provided, they told me to wait till the XXXX again but I noticed the date changed from the XXXX to XXXX which is a weekend and I wouldnt be able to contact them on the weekends. I called on the XXXX to let them know how dire my situation was after I got off the phone with them they changed the date again to the XXXX sent me an email that my account was closed for no reason and Ill have to wait even longer to access my own money for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: TX

Complaint narrative:
Received a debt collection notice in the mail with the attempt to collect {>= $1,000,000}. The attempt to collect debt owed to XXXX XXXX. I did not have an account with XXXX this is the result of identity debt.

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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've talked with my credit card companies and was advised that the. 20+ % is due to the prime rates that is mandated by the federal government. I would like to know who do we as consumers need to contact about these prime interest rates? What committees or subcommittees do we need to address our complaints? My husband and I along with others have outstanding credit score and excellent payment history XXXX but yet have high interest rates. Please advise. Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: MO

Complaint narrative:
Experian lying again an closes the complaint without addressing the issue and giving explanations that are ridiculous

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