vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rock Holdings Inc.
State: WA

Complaint narrative:
Date : XX/XX/year> Amounts : {$200000.00} Company : XXXX XXXX XXXX Description of the Issue : I am currently refinancing with XXXX Bank, and XXXX XXXX XXXX is the escrow company responsible for disbursing the funds. However, {$200000.00} has still not arrived, despite 11 days having passed since the signing of the closing package. The delay is due to my friend 's bank, XXXX  XXXX XXXX ( XXXX ), placing a hold on the check, which XXXX take XXXX business days or longer to release. We were unaware that XXXX would hold the check, and it seems the title company was also unaware of this potential issue. I had repeatedly requested a wire transfer, but due to communication issues, the title company ultimately mailed a check. 

Dates and Actions Taken : XX/XX/year> ( Thursday ) : XXXX completed ; requested wire transfer from the title company. 
XX/XX/year> ( Tuesday ) : Received a check instead of the promised wire transfer. 
XX/XX/year> ( Wednesday ) : Check deposited at XXXX XXXX XXXX ; informed of a hold on the funds. 
XX/XX/year> ( Friday ) : Contacted the title company and XXXX XXXX XXXX for clarification; was informed the hold could take XXXX business days or longer. 
Additional Information : I had informed the title company that my friend was traveling internationally and would not be able to receive the check. Despite this, they agreed to wire the funds but still mailed a check. The check was supposed to be sent out on Friday and received on Saturday, but it was not sent until XXXX PM on Friday, missing XXXX 's pickup. It was then sent on Monday and received on Tuesday. 

Impact : This delay has caused significant financial inconvenience, as the funds are stuck and I am incurring double interest payments on both the mortgage and the loan with the original lender. XXXX has informed me that the funds will be released on XX/XX/year>, if no further information is needed, but I am uncertain if this will occur on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2024-07-29 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: OR

Complaint narrative:
This credit bureau is not correcting my credit file with my legal name. Sent documents certifed, several calls placed. 

Reps refuse to correct credit file stating the reported information is correct and I have to correct my information with each creditor. 
They have no information on who the legitimate creditors are. 

Several names, are inaccurate, copy attached Only legal name should be in this file XXXX XXXX XXXX XXXX. 

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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 2024-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: PA

Complaint narrative:
My name is XXXX XXXX. On XX/XX/XXXX I received a letter from XXXX, XXXX XXXX XXXX XXXX XXXX ( Debt Collector ). The letter stated that " We are trying to collect a debt that you owe to XXXX XXXX XXXX ''. There is a balance due to XXXX XXXX XXXX for the amount of {$14.00}, XXXX. The debt for the amount of {$14.00}, XXXX dates back to XX/XX/XXXX. 

Reference : XXXX. 

XXXX XXXX : XX/XX/XXXX. 

I, XXXX XXXX, Do Not acknowledge this debt. I Do Not confirm the debt is XXXX have never dealt with XXXX XXXX XXXX. I have no idea how XXXX, XXXX XXXX XXXX XXXX XXXX obtained this false information. 

This debt/account is not listed on my credit report. I do not have any debts/collections/payments with reference to XXXX XXXX XXXX. I would like to request XXXX, XXXX XXXX XXXX XXXX XXXX ( Debt Collector ) to STOP sending me letters with fraudulent requests to pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX  who's XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXXXXXX XXXX were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts 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 2024-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: OK

Complaint narrative:
AT XX/XX/year>, XXXX AM XXXX i sent money via bank transfer using sendwave to my doctor XXXX XXXX XXXX in the XXXX, for a downpayment of my XXXX worth XXXX USD, 4 days later the transaction was still processing. and by the time XXXX of XXXX came they emailed me a new receipt still the same reference number everything except the time stamp that it was delivered was change to the XXXX of XXXX. i follow up throughout those days, sent the necessary documents and today XX/XX/XXXX they sent me an email around XXXX saying that transaction went thru in the XXXX of XXXX but, when i asked the receiver the same day, he sent me a screenshot of his bank and still nothing. they're just going putting me on a loop with no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: NJ

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, and XX/XX/XXXX XXXX has XXXX 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 item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-07-29 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: NJ

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, and XX/XX/XXXX XXXX has XXXX 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 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 2024-07-29 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my second notice about this fraudulent item that I have already reported to the Federal Trade Commission. This fraudulent item on my credit report is allowing unauthorized access to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my mental health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: NJ

Complaint narrative:
I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of my name is XXXX XXXX XXXX My Address is XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and My only Phone number is ( 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 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
was offered welcome of XXXX bonus miles from American Express for XXXX, I told them I had a gold card already, they said I could get the platinum for XXXX $ and get the welcome miles. the fine print said " if you are not eligible for a welcome offer, they will notify me prior to processing my application so I would have the option to withdraw my application. ( didn't happen ) I fulfilled what I needed to as far as spending XXXX $ in XXXX months, just passed thru XXXX XXXX last week and got approached again so I played along and asked the same questions and told them what I had and they told me I would get the offer, when I call the company they just say they can't do anything but won't tell me why I don't get the offer, just that it was denied. I feel I was misled. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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 respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX. Terms I originally agreed to and locked in were altered in my loan agreement without properly disclosing to me that changes were made from my original agreement to the terms of the loan structure. Below is a screenshot of an email that XXXX XXXX my mortgage broker sent to of what I originally agreed to as I was able to lock in order to proceed. ( please note in the section " Debts paid off '' it is XXXX ) Unfortunately, someone without my consent unilaterally altered that section with payments to be made to several of my prior creditors. That was never my intention as I made it clear to XXXX what my plan was to open this Heloc to have as a line of credit to be available to me that's all.

I was not informed ahead of time that the docs were altered to include amounts for checks to be made and that it had this language and they did not point this out ( as it was different than what I had communicated with my broker and originally locked in to have XXXX debts paid off ) So there was some deception to the the way this loan was drawn out. Please note that the email attached was sent to me by my Better Mortgage XXXX XXXX XXXX. Also please note that in the line that says " debts paid off - {$0.00} '' And this is what I agreed to and locked in.

Also, the section 2 Financial Information ( Assets and Liabilities ) 2c in the
doc " kwon-initial1003 ... ''. Liabilities has a small section in small print with x 's that I didn't agree to nor was given a discussion or choice as to which of those were to be paid off. Someone unilaterally checked those sections off and wasn't disclosed to me nor brought to my attention. This was deceptive as I didn't even initial those areas. I have my rights and know that this is a requirement of acknowledgement vs a signature at the end of all the documents confirming the loan. Also, when the notary that was sent by the provider came to have us sign the docs in person, she only showed us the pages for signatures and never explained to us what those signatures were for. The Loan processor XXXX XXXX originally told me in one of her emails I was not going to be able to get this resolved since I signed everything upon closing. Then she sent another email informing me that they are sending it to their legal department to find a resolution. Up to this point I have heard nothing else. ( XXXX ) And now my loan payment is due on XX/XX/XXXX as I received an email from the new loan servicer and I have done nothing with the money they wired and checks that they sent.

Company response to consumer: Closed with explanation