vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: MS

Complaint narrative:
In XX/XX/2022, we made a phone call to Roundpoint mortgage to find out how much we needed to pay so that we could drop our PMI. We were told an amount and paid extra at that time. When we called back to see why we had not noticed PMI drop off of our Bill, we were told that submitting to have PMI removed was not enough, but that now we had to have our property appraised. This was not in the agreement when we signed the contract to purchase the house. We submitted the form to have it removed, but every time we called, we got a different runaround, as if no one really knew what to do. At one point, we had a lul in calling because we were exhausted over the process. No one would return our calls and the whole process has just escalated. 
Finally, this last week we received notice that PMI had been dropped. 
After spending a long time on the phone with someone from Roundpoint today, I feel its only right to reach out to you because I feel we have been done wrong. I feel we should be reimbursed for the many months of paying PMI after we had done our part to drop it. The customer service has been less than and after my conversation today, I realize this whole process has been about money. We have never been late on one payment. We would appreciate any advice or help we could receive. Thank you so much.

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 2024-02-28 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: MS

Complaint narrative:
I am writing to bring to your attention a critical matter regarding unauthorized accounts on my consumer report which is a violation of 15 use 1602 and 15 use 1681c-2. After review of my consumer report i have discovered accounts that were added without my consent of the submission of a XXXX form. The following accounts need to be removed ASAP XXXX XXXX XXXX XXXX XXXX {$92.00} open XXXX, XXXX XXXX Account XXXX {$870.00} open XXXX, XXXX XXXX Account XXXX {$6600.00} open XXXX, XXXX XXXX Account XXXX {$720.00} open XXXX, XXXX XXXX XXXX Account XXXX {$20000.00} open XXXX, XXXX XXXX XXXX XXXX  XXXX {$200.00} open XXXX, XXXX XXXX  XXXX {$6000.00} open XXXX, XXXX XXXX  XXXX {$150.00} open XXXX I wish to highlight that I have not signed any SSA-89 form, nor have I given written consent for any accounts to be attached to my consumer report. This is not an oversight on my end and I am aware of my rights under the mention statutes Please remove in 4 days I have also attached my documents

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 2024-02-28 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: MS

Complaint narrative:
I am writing to bring to your attention a critical matter regarding unauthorized accounts on my consumer report which is a violation of 15 use 1602 and 15 use 1681c-2. After review of my consumer report i have discovered accounts that were added without my consent of the submission of a SSA-89 form. The following accounts need to be removed ASAP XXXX XXXX XXXX XXXX XXXX {$92.00} open XXXX, XXXX XXXX Account XXXX {$870.00} open XXXX, XXXX XXXX Account XXXX {$6600.00} open XXXXXXXX XXXX XXXX Account XXXX {$720.00} open XXXX, XXXX XXXX XXXX Account XXXX {$20000.00} open XXXX, XXXX XXXX XXXX XXXX XXXX {$200.00} open XXXX, XXXX acct XXXX {$6000.00} open XXXX, XXXX  Acct XXXX  {$150.00} open XXXX I wish to highlight that I have not signed any SSA-89 form, nor have I given written consent for any accounts to be attached to my consumer report. This is not an oversight on my end and I am aware of my rights under the mention statutes Please remove in 4 days I have also attached my documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: PA

Complaint narrative:
This company is in constant contact with me harassing me requesting payment on a debt that was the direct result of identity theft. I already filed a FTC report and sent it in to XXXX and the first debt collector. Now I have another debt collector four months later which is HELVEY and associates harassing me on behalf of XXXX when the FCRA clearly states once a identity theft is claimed the predator may not sell, transfer, or have someone collect on a that alleged debt. I have not opened nor did I authorize this account to b open. This company is threatening to please a derogatory account on my credit report that I did not authorize door open which is a violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I am elderly and this is very difficult for me and endangers my financial situation. 

they placed forced place insurance. 

I provided/ uploaded my new insurance. 

They are still charging me for forced placed insurance. 

I called UWW loan servicing and after going through all the identifying prompts and re-stating info when i spoke to someone, they told me they had to connect me with another company that handles insurance. 

I went through all the prompts and identifying things again and went through their phone mail tree endlessly, finally the recording said, " we can not complete your call at this time, please call back to the XXXX #. '' This is horrible treatment of anyone, especially an elderly person who has more difficulty with all these voicemail prompts, etc. I am trying to do the right thing and make my payments and insurance on time, and I am being hurt by UWM.

Please do not just accept the UWM 's explanation and please confirm with me before closing the case. 

I found an attorney who might help me with this and he said it sounds like elder abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
I noticed a fraudulent credit collection on my report so I sent a validation letter and the company did not respond. It has been over XXXX days.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2024-02-28 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.

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX BANK XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: NJ

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
Dear all, I took out a loan with Credit Fresh and have realised the bi-monthly payments are too high and unaffordable for me. 
I have made 3 payments so far.

I called Credit Fresh today ( XX/XX/28 ) to explain the situation and asked if I can make monthly payments instead of bi-weekly to help with the affordability issue and they refused. 
They advised they can not or will not reduce the frequency nor the payment amount until Ive paid off several months. The other option they have is to not pay and go into a past due status which will lead to credit score being affected and eventually collection.

I spoke to both an advisor on the phone and their manager who both refused to assist. 

Please could you advise what options I have? 
Surely as Im not in arrears and trying to make a more affordable payment, they should be willing to assist? 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TX

Complaint narrative:
On XX/XX/XXXX, my husband and I purchased an automobile at XXXX in XXXX XXXX. We authorized XXXX XXXX to pull credit. They mistakenly pulled the credit for XXXX XXXX twice through Trans Union. My husband 's credit was locked and they were trying to pull a joint application inquiry, so it pulled my information and when my husband unlocked his credit report, they pulled my information again. I tried to correct this with XXXX and they said I would need to contact the credit bureau. The credit bureaus said I would need to file a complaint so they could remove it from my report. I did not authorize 2 credit pulls. Both were on the same day. I was recently turned down for credit due to this duplicated pull. 

On XX/XX/XXXX, I only authorized XXXXXXXX XXXX to pull credit. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX and COAF were not authorized to pull my credit. The auto dealership, XXXX of XXXX XXXX somehow submitted the application, which was intended only for XXXX XXXX, to be sent to multiple credit companies. These companies did not have my known authorization to inquire about a loan. 

On XX/XX/XXXX, I visited a dealership to purchase a recreational vehicle. I authorized XXXX XXXX to pull credit. I did take a loan out through XXXX for the purchase. However, I never authorized the dealership to use multiple lenders. The dealership discussed the loan terms through XXXX prior to me authorizing the credit application with XXXX. An unauthorized credit pull was made by XXXX to and shows up through a TransUnion Credit report twice during the day. I was told to contact the credit bureau to clear up the reporting matter. The credit bureau said I needed to file a complaint so they could document the matter and remove the duplicate inquiry from my report. 

These unauthorized credit inquiries recently caused a denial of credit through XXXX due to too many inquiries. My credit score is above XXXX and I have managed my credit for over 30 years with no derogatory issues. My debt to income is adequate for credit. These credit inquiries caused a financial loss of {$40.00} due to the promotional offer from XXXX that was declined for reasons stated above. XXXX was contacted and confirmed that the denial was a systemic decline due to the number of inquiries. Furthermore, the purchase that was to be made with the credit was for medical reasons and delayed the delivery of necessary accommodations for my father.

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 2024-02-28 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: MD

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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.

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : 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 2024-02-28 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.

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : 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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i was paid my balance amount at XX/XX/XXXX, after they received my payments and they closed my credit card on next minutes, and i called Bank of America on XX/XX/24 to ask them why do they closed my account, and they advised i got other credit card and i used them too much. by the way, i told them if they closed then closed, just give my rewards back to me since i used this credit card at least 11years, but they said they closed my account and i wont able to get my rewards back, They just want me eat people 's money, they dont want to pay the rewards, they are thinking they can not make any money from you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit report and noticed that there were items that were not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Inquiry from XXXX XXXX XXXX XXXX Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXXXXXX XXXX XXXXXXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXXXXXX XXXX  XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to a complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX  XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to a complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.

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 2024-02-28 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: CA

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.

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 item 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 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 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Back in XXXX of 2023 I had realized that Bank of America sent me a check refunding me for overdraft fees that I shouldn't have paid in the form of a check they sent to me to my mailbox, that check was stolen out of my mailbox forged and cashed. I realize that and I called and made a claim back in XXXX of 2023 they never sent me the paperwork or sent the paperwork to the wrong address and so they closed the claim because I didn't fill out the paperwork and send it. So then in XXXX of 2023 I called to find out what was going on with it and they said it was closed they resent me the paperwork I filled it out the day I got it and send it back in now it's been God knows how long I still haven't gotten anything back they have continuously told me they were going to get working on it but every time I called in they couldn't find it and I spent 2 hours on the phone with them every time find the about a month ago I talked to a lady who dug into a deeply you figured it out and they have been literally giving me the runaround every time back forth back and forth back and forth on every time I spend 2 hours on the phone with them trying to find out what's going on they have not fix this issue they have not giving me a refund for that check and they are saying it's taking 90 days well it's been longer than 90 days I've been dealing since XXXX of 2023 and just need my money please help me. Also to add back in XXXX when I received the paperwork they wanted me to fill out they said that I had put the wrong claim number on it but I literally copied the claim number that they sent on the paperwork for me to fill out copied it from there to the ones I needed to fill out so how could it have been wrong and there's also change the claim number I believe to get it so they can get it under their time frame of when it's supposed to be done and they've literally screwed me around

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief