vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: OH

Complaint narrative:
on XX/XX/2024 I sent my cashier check payments by priority mail to amerihome mortgage companys payment processing center. XXXX mail tracking shows that my payments were delivered on XX/XX/XXXX, XXXX on XX/XX/XXXX i recieved a call from amerihome mortgage stating they had not recieved my payments. ive tried explaining that they recieved hem by mail and when. ive also gave them tracking numbers. Theyre now asking me to get something from my bank showing whether the checks have been cashed or not. I should not have to go through all this just to pay my mortgage. I feel that amerihome has lost my payments and they need to fix their mistake. i have recipts from the bank where i got the cashiers checks as well as the tracking showing they recieved it. this comapny has been horrible to work with. with no resolution

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 2024-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I requested XXXX XXXX, a Signed contract with my signature and that this alleged charged off account wasn't XXXX with the IRS by the original creditor. Never received anything from them besides a XXXX page billing statement, they never provided the debt validation as requested in the letter I sent to them and I notified them that they were in violation of Federal, State laws and my copyrighted property XXXX XXXX XXXX XXXX and any variation of it was copyrighted and provided them with a copy of it and that it is registered with the XXXX on my XXXX Financial Statement. I've notified the IRS of this alleged account and report this collection agency and the original creditor since it was a charged off account that was written off on there tax return thereby making it illegal to sell an account that has already been reported as a lost to the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
On XXXX XXXX my son, XXXX, and I were granted a loan modification agreement including an interest rate of XXXX percent. We have complied with the terms of the agreement making all monthly payments. On XXXX of XXXX we were sent another loan modification agreement offer, which we did not initiate. On XX/XX/XXXX, I rejected the new offer stating I wanted to stay on the loan modification agreement already in place. 
Because of this conversation, on XX/XX/XXXX, the mortgage company reversed the loan modification agreement of XXXX putting us back on the original loan of XXXX. 
We received a letter on XX/XX/XXXX stating we are in default. I contacted the mortgage company several times since then trying to get someone to see that this company made a huge mistake. Finally a dispute was started by a supervisor. I was advised to continue making payments, but that I would need to wire my payments from my bank. I am current with payments. I sent a dispute letter on XX/XX/XXXX and enclosed a copy of our loan modification agreement. We have received letters stating that that company was looking into the matter, that 30 days were needed and again that another 30 days were needed before we would receive a response. When I called to get updates, I am continually asked why I have not made payments and what has caused us to be in default. On XX/XX/XXXX, I spoke to another supervisor that assured me he would expedite the process to remedy this mistake. He advised me to call the following Monday for an update. He was not available and I was told that the company is still working on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I have dealt with XXXX XXXX all my life and even though I have put a fraud alert and reported this fake debt repeatedly, Im being harassed by the XXXX XXXX XXXX XXXX XXXX XXXX. I never had a XXXX  account in the past and I keep being harassed of some large debt amount that I dont know or care about because it isnt mine! I have reported this repeatedly and its been ruining the quality of my life with all these threats and fake numbers calling me from the XXXX XXXX XXXX XXXX XXXX XXXX threatening to sue me and have the irs seize my assets. I am sick of all the harassment, the emails, the calls, this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/2024 Subject : CFPB to take off negative score. To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: FL

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 nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails 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 inquiries : XXXX. XXXX  - XX/XX/2023 XXXX. XXXX - XX/XX/2023

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 2024-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XX/XX/24 I made a payment of {$500.00} to Westlake financial. They guaranteed me that if I made a payment it would stop the car from being sold at the auction. Come to find out they told me that my payments would stop the car from being sold was just a lie. All of the phone calls were recorded an Ive had at least three. Westlake financial employees tell me that I will be able stop my car from being sold if I make a payment. The car was sold four days after I made a payment and I was not notified. And they call me still asking for payments like the car wasnt sold already.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received an email offer from Chase promising a {$900.00} cash bonus for opening a new Chase Total Checking account and a new Chase Savings account with qualifying activities. Within the offer period, I followed the link in the email and opened both the checking and savings accounts as instructed. I completed all the qualifying activities, which included depositing {$15000.00} in the savings account and maintaining it for 90 days. During this period, I visited a Chase bank branch to inquire about the status of my cash bonus, and they advised me to wait until the 90 days were up. The day after the 90-day period ended, I visited the local Chase branch again to ask for the cash bonus, but the representatives informed me that the coupon code had not been applied due to a technical issue or a backend error, which they were unsure about, and now it could not be added, thus making me ineligible for the cash bonus. I believe I should still receive my {$900.00} bonus as the failure was not due to any fault of mine, and I did not do anything wrong throughout the process. If the failure was due to a technical issue on Chase bank 's end, I should still be entitled to my cash bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 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: NY

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-21 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: CL Holdings LLC
State: GA

Complaint narrative:
Received collections from Jefferson Capital regarding phone purchase i did not make or do not have services with

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX of 2023 I called in to inquire about a debt on my credit report. Found that I had a collection from a prior creditor. I didn't agree with the collection amount or why it was reported but wanted to correct the debt to move forward in my home buying process. I spoke with a woman representee and was told if I paid the debt owed it would be removed from all three reporting agencies after 30 days. I paid the debt and found it was still reporting after the 30 days of payment. Called and spoke with a supervisor about the collection still reporting and was told it would not be removed but reported as paid. This was not our verbal agreement. I was deceived into paying a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: EQUIFAX, INC.
State: FL

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 nephew, who's studying XXXX XXXX helped me out by finding a way to check if my XXXX emails 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. This is the inquiry : XXXX - XX/XX/2023 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974, as a federally protected consumer, to opt out and rescind any and all prior assumed authorizations of the sharing of my private data and personal information I may have given you, written, non-written, verbal, or non-verbal per 15 U.S. Code 6802.

I hereby request that you cease and desist from sharing or disseminating any of my private data and personal information to third parties, unless explicitly authorized by me in writing. This includes but is not limited to my name, address, social security number, financial information, and any other data that could be deemed sensitive or private.

Furthermore, I revoke any consent that may have been implied or assumed in any previous agreements or interactions with your organization or any affiliated entities. It is my explicit desire that my private data and personal information be kept confidential and only used for the purposes explicitly agreed upon, approved of and authorized in written form by the consumer, in any contracts or agreements between myself and your organization. 

Please consider this letter as a formal notice of my intent to opt out of any data sharing practices and to rescind any prior authorizations. As such, I expect immediate compliance with my request and confirmation of action taken within the timeframe required by law. 

Failure to comply with this request may result in legal action, including but not limited to pursuing remedies available under the FCRA, Privacy Act of 1974, and other applicable statutes. 

Thank you for your prompt attention to this matter. I trust that you will handle my private data and personal information with the utmost care and respect for my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: Kashable LLC
State: MO

Complaint narrative:
I recently checked my credit profile and realized there are some accounts that I am unfamiliar with and alot of accounts that are reporting incorrect information. I have never gave written consent or permission to report to my credit profile and I have contacted the credit companies and the credit bureaus to seek the documentation that shows I gave them permission to report to my consumer profile. By law that is Aggravated Identity Theft 18 U.S. Code 1028A These companies are also reporting inaccurate information across all XXXX bureaus. Dates opened, dates closed, and other things are not the same dates or numbers across all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974, as a federally protected consumer, to opt out and rescind any and all prior assumed authorizations of the sharing of my private data and personal information I may have given you, written, non-written, verbal, or non-verbal per 15 U.S. Code 6802.

I hereby request that you cease and desist from sharing or disseminating any of my private data and personal information to third parties, unless explicitly authorized by me in writing. This includes but is not limited to my name, address, social security number, financial information, and any other data that could be deemed sensitive or private.

Furthermore, I revoke any consent that may have been implied or assumed in any previous agreements or interactions with your organization or any affiliated entities. It is my explicit desire that my private data and personal information be kept confidential and only used for the purposes explicitly agreed upon, approved of and authorized in written form by the consumer, in any contracts or agreements between myself and your organization. 

Please consider this letter as a formal notice of my intent to opt out of any data sharing practices and to rescind any prior authorizations. As such, I expect immediate compliance with my request and confirmation of action taken within the timeframe required by law. 

Failure to comply with this request may result in legal action, including but not limited to pursuing remedies available under the FCRA, Privacy Act of 1974, and other applicable statutes. 

Thank you for your prompt attention to this matter. I trust that you will handle my private data and personal information with the utmost care and respect for my privacy rights.

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Me and XXXX XXXX were divorced in 2001, and property located at XXXX XXXX XXXX was awarded to him by court order. USDA refuses to remove my name from this loan, even after given court documents. I have no lived in this home in over XXXX  years. XXXX XXXX has maintained that home, himself, and has made all payments toward that home since its purchase. I have had absolutely no connection or responsibility for that residence since 2001. This action, by USDA, has deemed me unable to purchase a home of my own due to the attachment of my name too this residence. I have a court order stating that all responsibility for that home is XXXX XXXXXXXX XXXX, solely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Me and XXXX XXXX were divorced in 2001, and property located at XXXX XXXX XXXX was awarded to him by court order. USDA refuses to remove my name from this loan, even after given court documents. I have no lived in this home in over XXXX  years. XXXX XXXX has maintained that home, himself, and has made all payments toward that home since its purchase. I have had absolutely no connection or responsibility for that residence since 2001. This action, by USDA, has deemed me unable to purchase a home of my own due to the attachment of my name too this residence. I have a court order stating that all responsibility for that home is XXXX XXXXXXXX XXXX, solely.

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 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo used to allow me to overpay my escrow account when a taxes and insurance increased annually for the sake of keeping my monthly mortgage payment down to a manageable amount. The past few years Wells Fargo only allows me to pay the current escrow shortage, and my monthly payment is up {$160.00} per month over where it started. I still have the original mortgage, and have never refinanced.

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 2024-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
XX/XX/2024 Subject : CFPB to take off negative score. 
To : Credit Union XXXX XXXX XXXX XXXX Early Warning Services Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15 USC 6802. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: MA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I dont recognize.

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