vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Academy Mortgage Corporation
State: DE

Complaint narrative:
I took over this loan last year from XXXX, they finally fixed the incorrect SSN in XXXX of this year, and now they are reporting a XXXX and 120 day late 's for XXXX and XXXX except due to some other issues with this loan it was in deferment status until the interest and other fees issues could be fixed. They did fix those in XXXX of XXXX. 
Now in XXXX all of a sudden I started seeing Property Preservation Fees on my statement. I sent them a request about it, and the email response was that it was due to a charge from the deferment process. They stated they would send me a breakdown of any charges, however it is now XX/XX/XXXX and I have never received it and it's not in the documents section of their portal. 
Now it's XXXX and today my statement came out and again I downloaded it from the portal and again I am being charged XXXX a week for a property preservation fee, and when I called customer service I was told they couldn't talk to me without an attorney. I questioned why and they told me I needed to be transferred to the loss mitigation department as if my account is in foreclosure or a negative status except my account is paid up until XXXX and XXXX 's payment went out already but hasn't been credited yet to the account. So I am paid a month ahead and yet, the customer service agent XXXX XXXX ID # XXXX asked me if I could afford my payments, and then was confused when he admitted the account was not only current has been current except for XXXX until XXXX when it was in Deferment due to the interest and fees charged prior which were being worked out. 
He couldn't get a supervisor apparently, and couldn't answer basic questions about the account even though that is his apparent job position. 
This is the first step, next I will again send certified mail about this issue and then I will be filing in court because this is an ongoing issue with Academy since I've had to deal with them. XXXX XXXX XXXX XXXX has no idea what XXXX ( XXXX ) is doing and vice versa, it's ridiculous. 
It should not take a supervisor to explain what a property preservation fee is and why it would show up on someones account when it's clearly paid ahead, also not be able to fix it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently pulled my consumer report and saw items listed on my consumer report that I did not authorize. I sent a letter to XXXX to have the items fixed on XX/XX/year> and have not received any response. Not only do any errors or omissions negatively affect me as a customer, but they also cast doubt on the reliability and efficacy of credit reporting in general. The importance and urgency of addressing this matter are highlighted by the larger context. 

Credit reporting provides guidance for many financial decisions and paths when completed honestly and ethically. However, when tainted by errors, it turns into a maze that ensnares gullible people. My request for correction is therefore an appeal to maintain the greatest levels of precision, justice, and professionalism rather than merely a simple resolution. I look forward to hearing from you in detail. 

I'm challenging inaccurate personal information listed below. 
The information about my name is not reported accurately. 
My current address is not listed accurately.

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 2024-05-03 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to report a serious issue concerning Early Warning Services ( EWS ) as reflected in their reporting of my financial records. I have discovered an entry on my EWS report indicating a suspicious account or transaction that I did not authorize and do not recognize. This entry suggests that there might be fraudulent activity associated with my personal financial information. 

Upon discovering this entry, I promptly contacted EWS to dispute the record and requested detailed information about the account and any associated transactions. However, my request has not been satisfactorily addressed, and the questionable entry remains on my report. The lack of resolution and the persistence of this unverified information have caused me considerable distress and potential harm, including but not limited to financial scrutiny and limitations on my banking activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to bring to your attention an ongoing issue regarding an account dispute that I recently addressed with your company. 
I filed a dispute with XXXX, XXXX And Experian regarding account 's that was inaccurately reported on my credit report. XXXX XXXX XXXX and also XXXX XXXX. XXXX determined that the account 's was indeed erroneous and promptly deleted it from my credit report. I appreciate XXXX 's prompt action in resolving this matter. 
However, despite XXXX 's acknowledgment and deletion of the disputed account 's, I am disappointed to still see the same account 's remain on my credit report with Experian and XXXX. This inconsistency among the credit reporting agencies is not only concerning but also detrimental to my XXXX XXXX and financial well-being. 
I have attached documentation from XXXX confirming the deletion of the disputed account for your reference. I kindly request that Experian and XXXX take immediate action to investigate this matter and remove the erroneous account from my credit reports. 
I understand that errors can occur in credit reporting, but it is imperative that all credit reporting agencies maintain accurate and up-to-date information to ensure the fairness and integrity of the credit reporting system. I trust that Experian and XXXX will address this issue promptly and make the necessary corrections to my credit 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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: NY

Complaint narrative:
I ordered aligners from XXXX XXXX XXXX ( CREDITOR ) to fix minimal teeth issues with XXXXealth Care Finance Direct as the payment processor. During the treatment I have told them that the treatment and aligners they gave me doesnt seem to make any changes and that I want to have a refund for it. I have images attached of our exchange of conversation through email. Apparently after they have communicated with my practicing dentist named XXXX XXXX, they told me that I need to continue my treatment plan to see if anything changes. I finished taking all my aligners and there seems to be no change so I told them that I want to refund it since I have brought the issue even before finishing the treatment plan. Also they charged me for the retainers since its automatic after finishing all the aligners but then I did not receive anything. I contacted them to ask for a refund since I dont have it with me or told them to give me a new one then. But then they told me they can not give me a new retainers since Ive been having issue with the progress of my teeth and doing so would not help it ( which makes sense ). They offered to me to take their lifetime guarantee but i decided not to since there will still be recurring extra payments for that ( I have proof of the email stating of the amount I need to pay for this ) and also I do not trust them already since they can not fix my issue even before. Then XXXX went bankrupt and I can no longer talk to anyone about this issue and about refund. XXXX have Health Care Finance Direct as the payment processor and even though I told HDF about this they still continue to charge me monthly. This makes no sense as there is a breach of contract between the parties since the said XXXX  can no longer fulfill its services to me which is their client and also part of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Open account Opened : XX/XX/XXXX Reporting XXXX days late twice on my report : XX/XX/XXXX, and XX/XX/XXXX Payment history is inaccurate I was never late I made all payments on time with an card that was on file. This negative information is damaging my credit profile, future and my character as a consumer that trying to get approved for an home. I was recently denied due to the fact this company is reporting false, unverifiable, incomplete and inaccurate information. 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 A section 2. ( it also states a consumer reporting agency can not furnish an account without my written instructions under an open end consumer credit plan as late for any purpose. I want this account to be updated correctly due to the fact this is my second attempt and this company XXXX XXXX and experian hasn't respond back and it been past XXXX days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: VA

Complaint narrative:
Information on my credit report was fraudulent. Could you please remove all fradulent accounts and inquiries thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
In XXXX of XXXX  Freedom mortgage sent me a notification that they did not have proof of my flood insurance. Within a week I used their secure message center and sent them proof of my flood insurance. They average XXXX calendar days to respond to any message. Each time they said they need proof of flood. I had my insurance company email them and I went in their website and uploaded proof. This went on for several months and the story changed from flood insurance to wind insurance. The wind insurance was also provided with the flood insurance. In XXXX they acknowledged I have never had a lapse in coverage while owning the mortgage. However they still charged me thousands for lender based insurance and increased my payments from XXXX to XXXX. They said I could pay it in full and my monthly payment would be XXXX but did not explain why.

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 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX. My Debit card along with my wallet was stolen. That individual then quickly made some fraudulent charges which resulted in my account being emptied and overdrawn before I even noticed my wallet was missing a couple hours later. I immediately reported this to my bank Wells Fargo card services. They opened a fraud investigation and shut down my card and all of its affiliates that day, the XXXX of XXXX. Told me not to worry that I wasn't responsible for fraudulent charges. I just got the bank 's response to that " investigation '' and they said and I quote " that no error had been made '' and that my claim was denied. That's interesting wording. Fraud isn't an " error ''. It's done on purpose by criminals. All of the fraudulent charges were made without my PIN. They used the credit chip or choice at the XXXX I have always used my PIN at XXXX. Have a proven record of it, I never use the credit option. The bank knows this. I called and tried to dispute it. The bank still refused. I went to the store where the major charge was made and got the transaction records. The store has the camera footage but I can not acquire it without a police report which I have now gotten. It's a shame that I have to prove that it wasn't me who made those charges when it was obvious what had happened. The criminals are being let off the hook for stealing approximately {$400.00} from me and to add insult to injury I'm responsible for charges and denying my claim. It's almost as if they are calling me a liar, how dare I try to make a fraudulent claim? I have been banking at Wells Fargo for almost 17 years, never made a claim and this is how I am treated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving 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 non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving 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 2024-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I received a loan from netcredit.com for the amount of {$4200.00} XXXX to help pay off another loan from XXXX for the amount {$2900.00} on XXXX. The amount was fine but I was not told that I would being paying these statement change over fees which are simply interest to get around state law. It was oversight on my part. I'm a XXXX XXXX  living in florida and XXXX XXXX XXXX So my income I get is what I get.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: IL

Complaint narrative:
on XX/XX/XXXX, I spoke with a customer support agent over the phone and made a payment of {$41.00} with the agent. The agent subsequently scheduled a payment to be made XX/XX/XXXX and XXXX more on XX/XX/XXXX both in the amount of {$41.00}. I was told that my enrollment in the financial hardship program was complete and that under the program no late fees would be issued and my account would have a reduced interest rate. However, the next day on XX/XX/XXXX my account was issued a {$41.00} late fee. I spoke with customer service again and they assured me that this information available on the app was not the most accurate, but that everything should be reflected accurately when my monthly statement was issued., The monthly statement was only reflective of the previous incorrect information and my account is still being reported to the Bureaus as late, there is no reflection of a reduced interest rate, And I am still being issued late payment fees. On several occasions Customer Service has hung up on me when I attempt to get any further or more clear information on the issue. They have repetitive repeatedly used the excuse that their system is performing an upgrade and they cant view any account information at this time, and that I should call back again later. This runaround has been going on for well over a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This matter is about my identity theft and use by criminals to obtain/use a card issued by Citibank. I was informed by Citibank in XX/XX/XXXX of potential misuse of a card for which their records noted me as a guarantor. I answered several questions, several times, and completed a fraud affidavit provided by Citibank. I also e-filed an identity theft report with FTC. 
In XX/XX/XXXX, Citibank issued me a form 1099C for cancellation of debt of {$3900.00}. Since the amount was not my debt, as I never authorized issuance of the card, I complained to Citibank to have a corrected form 1099C issued to the IRS with a copy to me. In XX/XX/XXXX, Citibank issued a letter acknowledging that a fraudulent application had been made in my name and the account had been permanently closed. However, even though the XXXX tax filing deadline is passed, a corrected form 1099C has not yet been issued. I am a senior citizen and this delay is causing me great stress.

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