vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
Un authorities inquiries in my credit report 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 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 explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am seeking online access to the my wife 's estate account. I have asked several times for this online access, and filed a previous complaint ( XXXX ), when they would not provide any information to me regarding the mortgage account. 

I am the designated successor-in-interest to the mortgage account and XXXX XXXX Senior Vice President , Mortgage Servicing, assured me that I would have access to the account, however, I have been unable to get online access. I am a PenFed member and have a Penfed checking and savings account in my own name. 

Penfed 's policies are in direct contravention to Regulation X ( CFR 1024 ), regarding successor-in-interest.i.e., Servicers are required to maintain policies and procedures that are reasonably designed to achieve the following objectives.1.Accessing and providing timely and accurate information. ( 12 CFR 1024.38 ( b ), and ( f ) Upon notification of a borrowers death, promptly identify and facilitate communication with the borrowers successor in interest concerning the secured property. 

Penfed 's policies in denying online access to the estate 's mortgage account are in direct contravention of the requirements of Regulation X.

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 2022-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
MY ACCOUNT WAS DEBITED FOR OVER XXXX DOLLARS I NEVER MADE ANY OF THE TRANSACTIONS THEY CLOSED CLAIM RIGHT AFTER I FILLED IT SAYING THEY HAD FRAUD INDICATORS AND WILL NOT RETURN MY MONEY PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
In XXXX of XXXX I received a collections letter from credit corp regarding a bill of {$840.00}. The collection was sent by XXXX, with charges from XX/XX/XXXX and XXXX XXXX. There were 8 different charges amounting to the {$840.00}. I've only used XXXX  for small charges and money transfer between friends. I am able to provide a copy of all XXXX  charges under my account. When I called the collection company they provided an email of XXXX used for the transactions and I have no idea who that is or how they got ahold of my account info. I've reported this to XXXX and they sent me forms to complete to identify the fraud However they responded that the charges were valid. I also reported this to the debt collectors and they are requiring I fill out paperwork as well as file a police report to send in. I am currently doing this process. I have also completed a submission with identitytheft.gov The transactions are as follows - XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$250.00} XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$250.00} XX/XX/XXXX for {$240.00} XX/XX/XXXX for {$240.00} XX/XX/XXXX for {$140.00} XX/XX/XXXX for {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent in a dispute letter to your company about some items on my credit report. 
The following accounts XXXX XXXX XXXX shows 2 missed payments and XXXX XXXX XXXX 1 missed payments and XXXX XXXX  servicing is showing late payments I sent that letter and still have not gotten any response from your company under fcra you have to remove those late payments because you Equifax didn't do your job. under usc 1681 ( a ) ( 4 ) unfair reporting of information before consulting with me the natural person is illegal. you don't have proof that the alleged transaction took place. You are furnishing unverified information based off one sided information. and your company had a conversation with the corporation without my knowledge without my permission. 

1. ) you didn't investigate my dispute letter i sent on XX/XX/2021 it has been well over 30 days 2. ) you are reporting unverified information on my consumer report without my permission and knowledge Please remove these late payments and accounts immediately or I will be sending your company a invoice of XXXX dollars for each violation under fcra 3. ) 15 U.S. Code 1666 All supporting documents will be attached to this cfpb complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The debt was paid off in XXXX of XXXX although the account was opened fraudulently and without my knowledge. When i talked to customer service rep she told me once the debt was paid the account would be deleted. After i paid the account, the charge wasn't charged under XXXX XXXX bank. I asked the customer service rep could she email me a receipt of the debt I paid, and I never received the receipt. Fast forward to XX/XX/XXXX the account is this on my CC report closed and negative and affecting my CC report. I called XXXX once aging in XXXX of XXXX and asked another customer service rep if she could email me a receipt of the paid off debt and that CS rep failed to do her job and also told me since the debt was paid off the account would 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 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citi sent me a letter and fraudulently closed my credit card account that I have had since 2012 stating I was not using the card as intended. I am the original creditor and was using the card as intended and am very distressed that the card was shutdown.

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 2022-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
When my loan was transferred to Freedom Mortgage from XXXX ( XXXX Mortgage ) my payment went up about {$100.00} a month. Freedom says they have a bill from XXXX XXXX, that my taxes are {$270.00} a quarter. I'm a 100 % XXXX veteran, therefore my taxes with XXXX XXXX are only {$92.00} a year. I've verified that with XXXX XXXX XXXX on line prior to writing this email. That was paid in full on XX/XX/XXXX. Therefore I'm now paid in full on taxes until XX/XX/XXXX. 

Therefore, I have no idea why my payment has gone up {$100.00} a month or why Freedom Mortgage thinks then taxes are {$270.00} a quarter. 

XXXX in servicing was awesome, I spoke to a lady in the tax department and she was awful, even hung up on me. 

Thank you in advance for your help! 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 explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I contacted Navy Federal Credit Union on this afternoon regarding the information on my credit report. I had a bad history with the financial institution but paid off a past due credit card in addition to a closed checking account as of recent. They allowed me to open not only a new checking account but also a business checking account. My credit score with XXXX is a over XXXX, with XXXX my score was nearly XXXX & my XXXX score is almost XXXX. On today, Navy Federal reported negative & inaccurate information which dropped my XXXX score nearly XXXX points, I was told by them to contact XXXX & they were no help either. I want this paid tradeline removed from my report altogether because its been showing derogatory on my report since the account was paid in full back in 2020. Navy is also negatively reporting a hard inquiry on my credit for an auto loan pre approval that shouldnt have been a hard pull, I received an email back saying that they wouldnt update the information. If this keeps up then I may need to contact my attorney to get this information deleted from my reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reliant Capital Solutions, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I was advised by this company that the debt would be deleted from my credit if it was paid but shorty after returning the call, a different agent informed me that this wasn't true. I advised the agent to stop calling me because of how rude he was when speaking to me. 

On XX/XX/XXXX I receive another phone call from a rep name XXXX, I informed her to stop calling me and once again she hangs up the phone in a rudely manner. I called the company back and advised them that I was recording the call and that they needed to cease from calling my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
My original loan servicer XXXXXXXX XXXX sold my loan to Freedom Mortgage in XX/XX/XXXX. In XXXX my loan was approved for a forbearance program thru XXXX. I was able stop the forbearance and request a XXXX XXXX XXXX in XX/XX/XXXX. My trial payments started in XXXX. First 2 payments were made on time with XXXX and final with Freedom in XXXX. I was told then by Freedom that I would receive documents in the mail from Freedom in regards to my modification and to not make payments to the loan until that information was completed. It is now 5m later and I still have gotten no where with the modification. I call several times a month for updates and am always given a different answer. The first 2 months they stated there was a delay due to the number of modifications needed and accounts they had purchased. Then I was told they were working on items being sent out to me via fed ex. Last month I was told they had just received the approval documents from XXXX and that the underwriters should have information out to me shortly. Now today I called and being told they don't have a approval from XXXX and the underwriters are still waiting for that information. When asked to talk to a supervisor I was then put on hold for 20min and a rep came back to tell me that they don't have any documents in regards to a modification and a packet needs to be sent out to me and that I was not able to talk to anyone. A supervisor would call me back within 5 business days. All I want to do is get this loan cleaned up from the mess Covid made and start making my payments as needed. Every time I call it seems I'm constantly getting a different answer and things are going backwards with no end in site.

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 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX sent me a notice of repossession for a carXXXX XXXX. ( I cured it by selling the car and paying off the balance IN FULL ). However, prior to me doing so, they repossessed the car ILLEGALLY by having the company they hired illegally walk onto our private property and break into our closed locked garage door... then removed the car! This is absolutely illegal. Repossession agents are not allowed to break into private property ( open a garage door ) to repossess a car. 

They then proceeded to act unethically and without any care in the world for how it affected my credit scores ... by inaccurately reporting it for years on ALL 3 CREDIT BUREAUS, first as repossessed, then after many years they put redeemed repossession, both wrong. An illegal repossession can not be reported on one 's credit bureaus, the account MUST BE REMOVED ENTIRELY, or changed to ONLY positive reporting. I have written them for years, wasted so much time, emailing letters, mailing physical certified letters, and calling them requesting they remove my account entirely since it is inaccurately reported and has caused me serious credit damage. They REFUSE to correct my credit report and are still reporting it as repossessed. 

Please make them remove the entire account. They should also pay me damages for causing me credit damage. Sincere thanks.

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 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX sent me a notice of repossession for a carXXXX XXXX. ( I cured it by selling the car and paying off the balance IN FULL ). However, prior to me doing so, they repossessed the car ILLEGALLY by having the company they hired illegally walk onto our private property and break into our closed locked garage door... then removed the car! This is absolutely illegal. Repossession agents are not allowed to break into private property ( open a garage door ) to repossess a car. 

They then proceeded to act unethically and without any care in the world for how it affected my credit scores ... by inaccurately reporting it for years on ALL XXXX CREDIT BUREAUS, first as repossessed, then after many years they put redeemed repossession, both wrong. An illegal repossession can not be reported on one 's credit bureaus, the account MUST BE REMOVED ENTIRELY, or changed to ONLY positive reporting. I have written them for years, wasted so much time, emailing letters, mailing physical certified letters, and calling them requesting they remove my account entirely since it is inaccurately reported and has caused me serious credit damage. They REFUSE to correct my credit report and are still reporting it as repossessed. 

Please make them remove the entire account. They should also pay me damages for causing me credit damage. Sincere thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX sent me a notice of repossession for a carXXXX XXXX. ( I cured it by selling the car and paying off the balance IN FULL ). However, prior to me doing so, they repossessed the car ILLEGALLY by having the company they hired illegally walk onto our private property and break into our closed locked garage door... then removed the car! This is absolutely illegal. Repossession agents are not allowed to break into private property ( open a garage door ) to repossess a car. 

They then proceeded to act unethically and without any care in the world for how it affected my credit scores ... by inaccurately reporting it for years on ALL 3 CREDIT BUREAUS, first as repossessed, then after many years they put redeemed repossession, both wrong. An illegal repossession can not be reported on one 's credit bureaus, the account MUST BE REMOVED ENTIRELY, or changed to ONLY positive reporting. I have written them for years, wasted so much time, emailing letters, mailing physical certified letters, and calling them requesting they remove my account entirely since it is inaccurately reported and has caused me serious credit damage. They REFUSE to correct my credit report and are still reporting it as repossessed. 

Please make them remove the entire account. They should also pay me damages for causing me credit damage. Sincere thanks.

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 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Registered for an account with Experian ( https : //www.usa.experian.com ) on XX/XX/2022. Had loads of trouble signing into the account, it claimed my freshly created username/ password was invalid. ( I'm a lifelong IT nerd, I know how to create accounts & record credentials accurately ). Had to reset password multiple times until site let me login finally, upon which I was met with an error claiming more information was needed to verify my identity & I needed to call XXXX -- XXXX. Calling that number leads to a recording for which there are no options to reach a human ( I tried in excess of 15 calls, went through every option available, including unlisted options like 0 ). Every option sends users into a repeating loop, with recordings directing users right back to the login page where there is no option to fix this issue. 
This is a well known tactic used by these crooks, often called " dark patterns '', where they make real help impossible to obtain & attempt to trap users in closed circles as described above, hoping to frustrate them into not complaining or pursuing the issue they're attempting to. 

I can not login to Experian, have no options to reach anyone on the phone, and therefore are unable to dispute fraudulent information they have on my 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 explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent my letters off on XX/XX/2022 stating that my the reports on my credit are invaild and need to be removed no, and I haven't yet to receive any updates on it. I'm just frustrated and aggravating that I have negative reports that are not mines and I'm getting angry just by the fact that it is not only affecting me, but my family also.

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 2022-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Received notice of debt collection by convergent outsourcing inc listing XXXX XXXX XXXX as claimant for account balance of {$320.00} as of XX/XX/2001 which would have been 20 years ago. This is clearly 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 explanation