vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Ive been trying to get a modification on my home. It started back in XX/XX/XXXX after going back and forth about the paperwork not being completed correctly I finally received a letter in XX/XX/XXXX that my modification was denied due to missing signatures for witnesses for the notary section of the application. I filed a complaint with XXXX Bank then however, the only resolution was for to complete a new application. I submitted a request for another modification XX/XX/XXXX. I received the package with the new modification agreement stating I had until XX/XX/XXXX to complete the package. Myself, The Co-borrower, and I had 2 witnesses that I brought in for the purpose of the notary walk into a TD Bank branch located at XXXX XXXX XXXX XXXX XXXX XXXX VA on XX/XX/XXXX to fill out the package. I did this purposely so that I wouldnt have any issues this go around. The TD Bank employee notarized all the documents. I then mailed the package back. 
I called at least once if not twice a week to check the status of modification. Around XX/XX/XXXX I was told that the notary notarized the section of the package. I went back to the TD bank while on the phone with a representative from the mortgage department. I was at the branch over an hour while the notary and representative went back in forth via about how to notarize the documents correctly. The representative told the notary to scan the corrected copy to so the could have on file while I mailed the wet copy of the corrected form. I have been calling again at least once a week since XXXX getting different answers or they will just tell me there has been no updates because underwriting is swapped. Finally I called XX/XX/XXXXXXXX  and was told my application was expired and I would have to apply again because they never received the full package. This company is not on one page at all. How does your employer mess up their own documents???? This is the second time that I feel Im getting not help from this company due to their own mistakes. I want a full investigation. I want all the notes and email correspondence read by the CEO so that he/she that Ive been treating unfairly. I have done what was asked of me not once but twice and the only response I get is that I have to apply for a modification a third time.BECAUSE ONCE AGAIN TD HAS DROP THE BALL!!!! And for TD to blame the customer because the bank employee doesnt know how to correctly notarized their own documents is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: Paypal Holdings, Inc
State: LA

Complaint narrative:
I booked a hotel for two nights for the night of XX/XX/XXXX and XXXX for ( {$190.00} ). I booked it through the XXXX XXXX. I paid through the app using PayPal pay in 4 installments ( {$60.00} ) Showed up to the hotel with two babies and they didn't have air conditioner. The hotel refused to give me my money back. XXXX said to contact PayPal. PayPal stated that they would gladly help me file a complaint in try and get my money back once I paid off the installments. The whole time as I was paying off the installments I was getting them all the documentation, bank statements, receipts that they asked for. When the day finally came that I paid it off, they told me that they are not responsible for air conditioner problems. The PayPal representative that I had on the phone suggested that I contact my bank and dispute it. That is exactly what I did. I contacted Regions and they got me my money back. Now the PayPal app is showing that I owe the money again even though I already paid them off. I called them about this and spoke to someone who transferred me to, who they said was, a " specialist '' to help me out. When I was transferred, I was transferred to someone who told me that they were a collection company for PayPal. I was extremely disrespected and laughed at. They called me several times a day for the following two to three weeks. Every time they called they said that they were PayPal , Inc. calling to offer me payment options to pay off my debt. I have worked so hard on my credit and do not want it to be affected by something that can be resolved so easily on their end. I thought I could trust PayPal and that they were a reputable company. I would like to give them another chance in the future to use their services but it is impossible because it is saying that I owe them. I have receipts and documentation showing that I didn't stay that night and that I stayed somewhere else. I can provide bank statements, etc. Please help me with this issue or let me know how I can help resolve this. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-03 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:
Requesting that Equifax remove all hard inquiries from credit report, a list of these hard inquiries was sent to Equifax back around XX/XX/year> and these hard inquiries still remain on my credit report, can Equifax please remove all unauthorized hard inquiries from my credit report. I have attached a Federal Trade Commission report for identity theft with a list of all unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am writing to formally demand the immediate removal of unauthorized, inaccurate, or potentially fraudulent information from my credit report. The inclusion of such information violates my rights under the Fair Credit Reporting Act ( FCRA ), Privacy Act of XXXX  and other federal regulations. 
Violations Cited Identity Theft and Fraudulent Reporting Under 12 CFR 1022.3, identity theft is defined as fraud using identifying information without authorization. Furthermore, 15 U.S. Code 1681c-2 requires that consumer reporting agencies block the reporting of information resulting from identity theft no later than four business days after receiving : Proof of my identity, A copy of an identity theft report, Identification of the disputed information, and A statement affirming that the information is not related to transactions I authorized. 
Privacy Violations Pursuant to the Privacy Act of XXXXXXXX  and 12 CFR 1016 ( Regulation P ), no entity may disclose nonpublic personal information without : Providing an initial privacy notice un

der 12 CFR 1016.4, Offering an opt-out notice as described in 12 CFR 1016.7, and Obtaining my prior written consent before disclosure. The records included on my credit report were added without proper notice or my written consent, constituting a breach of privacy and federal law.

Conditions for Reporting Under 31 U.S. Code 3711 ( e ) Government agencies or their designees may report information only if they : Ensure compliance with U.S. laws on consumer credit information, Establish procedures to verify accuracy, and Have my written instruction authorizing such reporting.

Your failure to comply with these requirements further exacerbates the harm caused by unauthorized disclosures. 



Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report I have accounts that are more than 7 year 's old that should be removed. 

Account info Account name XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX {$24000.00} Closed Balance {$24000.00} Highest Balance XXXX XXXX  Monthly payment No Info Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$3000.00} Closed Balance {$3000.00} Credit limit XXXX XXXX Monthly payment Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX XXXX  {$1600.00} Closed XXXX Reported : XXXX XXXX XXXX {$3100.00} Closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report I have accounts that are more than 7 year 's old that should be removed. 

Account info Account name XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX XXXX {$24000.00} Closed Balance {$24000.00} Highest Balance XXXX XXXX  Monthly payment No Info Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX XXXX  {$3000.00} Closed Balance {$3000.00} Credit limit XXXX XXXX Monthly payment Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX {$1600.00} Closed XXXX  Reported : XXXX XXXX XXXX {$3100.00} Closed

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 2024-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
After 3 years, I was notified of a debt tied to an auto loan when I applied for a new a loan with my bank. All addresses being used were incorrect even though I updated my address at USPS. I called the debt collector and asked if I paid {$2000.00} would my debt be considered pay in full. The operator XXXX XXXX agreed. I requested a letter stating the agreement showing that if I paid for this, the rest would be {$0.00}. I received a letter today and it only says for me to pay {$2000.00}. No assurance that I won't be pursued for more after that payment. They refuse to send me a settlement letter stating the agreement for both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: GA

Complaint narrative:
I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : ELAN CACS CC Account Number : XXXX Reason : Under 15 USC 1692g. Validation of debts Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company. I will be seeking damages for : 1. ) Defamation 2. ) Violation Of The Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via the Better Business Bureau. * Please remove all non-account holding inquiries over 30 days old. Thank you for your cooperation in this matter

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 2024-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I do not remember the exact date, but it was in XX/XX/year> that I received a call from Navy Federal Credit Union that stated that my account had been compromised. I told them that I did not apply for any auto loan. I decided to check my credit report, with so many scams going on, and there it was, a {$26000.00} auto loan. I then called them back to file identity theft and asked for evidence that I applied or this loan. I never received anything. I have worked so hard to build my credit and this happens. I would like for this to be removed from my report due to the nature that I did not authorize them to pull my credit not report anything to my credit. 15 U.S.C 1592 c states that if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the collector shall not communicate further with the consumer with respect to such debt. 

Navy Federal Credit Union Account # XXXX Auto Loan amount {$26000.00}. 
There are also inconsistencies on the reports. 
Everything must be consistent on all three credit bureaus. I have attached the information.

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 2024-12-03 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: AZ

Complaint narrative:
I was extremely concerned to discover that multiple unauthorized inquiries from your company have appeared on my credit report. This is negatively affecting my credit and has caused me unnecessary stress and frustration.

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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
NAVY Federal sent me a collections of XXXX. They stated this was a loan that my decessed husband took out. They took XXXX money that I transfer from my IRA into my savings account for this debt. They also took a {$1.00} to start collections. I was not aware this account existed. I did not authorize this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Specific Issues with the Investigation : Phone Number Discrepancy : The investigation stated that the account in question was created and activated using a phone number ending in XXXX back in XX/XX/year>. However, I have never used or owned a phone number ending in XXXX at any point. 

Date of Birth and Name Errors : The account in question contains a date of birth and name that do not match mine. These errors further indicate that this account does not belong to me and has been inaccurately associated with my identity. 

Account Ownership : I have no knowledge of or connection to this account. It was neither created nor authorized by me, and the presence of this erroneous information on my credit file is both harmful and unwarranted. 

Supporting Evidence : To aid in resolving this issue, I am providing the following documents : A copy of my government-issued identification ( drivers license or passport ). 
A utility bill or other documentation to confirm my contact details and address. 
I respectfully request that this inaccurate account be removed from my credit file immediately. Furthermore, I ask that all communications regarding the resolution of this matter be shared with me promptly. 

Legal Compliance : As a consumer, I rely on the protections provided under the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting not only violates my rights under the FCRA but also has potential implications for fraud or identity theft. I trust that this matter will be addressed thoroughly and promptly to prevent any further damage to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
I had my mortgage payment scheduled thru the Freedom website. On XXXX I noticed that the amount had not been removed from my account. I logged into the Freedom Mortgage app on XXXX to find that they no longer owned my mortgage. 
I called the company to inquire and they notified me that the mortgage had been sold to another company. And that they had put paper notice in the mail on XX/XX/year>. I never received the paper notice and the customer service agent placed blame on the US postal service. I did not receive an email of the account transfer or a message in my Freedom Mortgage app. My mortgage payment is now late and I am growing interest on an amount that I had scheduled to have been payed.

Im not upset by the selling of the mortgage I am upset by improper notification and unprofessional handling.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
Complaint Against Collection Agency for Violating Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against LOCKHART, MORRIS & MONT for multiple violations of my consumer rights under federal law. The collection agency has engaged in practices that are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Violations by the Collection Agency : Failure to Provide Validation Information The collection agency has not provided the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection item on my consumer report.

Denial of Dispute Opportunity I have not been given a chance to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Use of False, Misleading, and Deceptive Means The collection agency has employed false, misleading, and deceptive means in the collection process, violating consumer protection laws. 
Unlawful Furnishing of Information The collection agency has no authority to furnish any account to consumer reporting agencies without first providing all required disclosures, in violation of : 12 CFR 1006.34 ( d ) 15 USC 1681-52 ( 7 ) ( A ) Requested Action : I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and take appropriate action against the collection agency for these violations. Additionally, I ask that this collection item be removed from my consumer report until full compliance with all relevant laws is demonstrated. 

I have all relevant documents to support my claims and will cooperate fully with any investigation. 

Thank you for your attention to this serious matter. 

Sincerely, XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation