vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 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: IL

Complaint narrative:
XXXX, TransUnion and XXXX have been reporting bankruptcy to the credit bureaus. 
The courts do not report any information to the credit bureaus.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, XXXX and XXXX have been reporting bankruptcy to the credit bureaus. 
The courts do not report any information to the credit bureaus.

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 2023-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MI

Complaint narrative:
I have been paying on this loan for years and have barely made a dent in my balance. I was told in XX/XX/2020 that my payments would stay around {$65.00} for the remainder of the loan which they did for a few years. Now they are up to {$85.00}. When I tell them I was told they would stay at XXXX they refuse to do anything about it. They gave me a temporary six month repayment of interest only and said once that is up to contact them to work something else out. I called them back and they are refusing to do anything to help. They said I dont qualify for any help until next XXXX since I just got off the interest only payments, Which I was never told. They also refused to lower my monthly payments back to what I was guaranteed or to even lower them At all. I will admit I havent always been the nicest when I call because I have dealt with many of them who were rude to me first and the lack of empathy and help is horrendous. I feel I am being taken advantage of. every time I call, I get misinformation and then they back track. They are not flexible at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing cause wells fargo is abuse in with the fees also they are lieing about a 24hr grace period the give you less than 8 hrs the ATM dosent accepte cash deposit and then they charge the XXXX they also charge XXXX for anything over XXXX that abuse please help with this matter I am so tired of telling Tham and they do nothing I think is time for them to get investigated

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 2023-11-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Yesterday, XX/XX/2023, I received an email from XXXX XXXX XXXX telling me that I had applied for a new credit card. At the same time, I received several alerts that there was a new hard inquiry on my Experian credit report. Alleged the hard inquiry was made by XXXX XXXX XXXX. 

Today I contacted XXXX XXXX XXXX by phone. XXXX XXXX XXXX denies that they accessed my credit report yesterday and also denies that I applied for a new card. 

Then I called Experian to report the fraudulent activity. Experian told me to file a report at XXXX. XXXX referred me to this website.

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 2023-11-02 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: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On or about XX/XX/2023 I requested documentation to establish a clear legal or equitable right to make a claim on account they are reporting on my consumer report and requesting claim for acct XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, PennyMac Holdings XXXX XXXX This isn't the first or 2nd time, that the request for these documents from these corporations and they keeps reporting improper on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Innovis Consumer Assistance XXXX XXXX XXXX XXXX GA XXXX Innovis, The phone number on file for me is incorrect. 

Attached to this complaint are : written complaint Drivers license social security card Proof of address Please change this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Citizens bank keeps increasing my mortgage payment. Says my escrow is low after I keep paying the shortage several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
capitol one card opened in my name caught on a XXXX XXXX alrt called capitol one and started complaint also got sheriffs report number XXXX with XXXX XXXXXXXX XXXX  XXXX since has bee deacitvated had XXXX on it address was also a fraud deal per sheriffs office also a XXXX XXXX was tried to be opened but did not go through since have froze all credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Company Action Taken : Notified Mortgagees of a Cyber Security Incident that apparently occurred XXXX XX/XX/2023. 

My Current Response I tried logging into the Mr. Cooper mortgage payment portal but was shocked to see a Cyber Security Incident Notice, at the top of the web page. 
Refer to the attachments to this complaint. 

While the notification was very much appreciated however - Nationstar Mortgage LLC dba Mr. Cooper and/or their contracted payment services provider ( s ) appears to me to have fundamental and systemic problems with securing Mr. Cooper company information technology infrastructure. 

This very serious and apparently repetitive problem seems to me to have existed for at least 5 years. In my mind this an unacceptable condition and risk to Mortgage Consumer financial security : 1. My current inability to timely pay my mortgage may negatively impact my credit rating.

2. I have zero ( 0 ) confidence in Mr. Cooper company 's ability or interest in protecting the integrity of mortgage Consumer information and financal transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: NJ

Complaint narrative:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
i'm complaining about Transunion! They won't help me with anything to improve my score. This is stoppeng me from finding a new place to rent. please help my family and I are going to be homeless if this cant be fixxed

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 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against MIDLAND CREDIT MANAGEM regarding a collections account ( Account Number XXXX ) that appears on my credit report. I believe that the handling of this account by XXXX XXXX violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request. 

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HomeTown Lenders, LLC
State: FL

Complaint narrative:
I have a mortgage with hometown lenders the loan originated in XX/XX/2023. I have made payments to Hometown Lenders since XX/XX/2023, I am unable to log in to make a payment and the phone number on their website is disconnected. I found out through a formal employee that Hometown Lenders went out of business on XX/XX/2023. We did not receive any notification of them going out of business. We are unable to find our mortgage on XXXX and it does appear on our credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I have an unacceptable problem with Santander Bank. In XX/XX/2023, I linked my wife 's XXXX XXXX to my Santander bank for money transfer. It was successfully linked ( proof of the email attached ) and I initiated the XXXX XXXXXXXX money transfer after receiving the successful link confirmation email. Then it triggered the freeze alert from Santander bank. I called them 5+ times about allowing the transaction since it's valid transaction and I followed all the procedure required. All of their call center representative couldn't understand why it was on hold and how to solve the problem. I even visited the local branch and the local representative called their back-end office and still couldn't solve the problem at all. One person called me to apologize for the bad call experience after I gave them bad survey result. However, the hold is still there. OK, then I waited and hope they can eventually solve the problem, but the time given to Santander doesn't help anything. After a month, the freeze on my money transfer function is still there and I had to call them again yesterday ( XXXX ). A gentleman asked me to provide my wife 's bank statement and our marriage certificate to lift the hold and I did. I called Santander again this morning to finish the fraud alert clearance per the gentleman 's guidance. Surprisingly, the lady told me that the freeze of my money transfer function is permanent and can't be lifted forever. This is completely unacceptable and doesn't make sense at all. First of all, it was a false fraud alert. I followed all the required steps to link the account, and I did receive the success confirmation before I initiated the transfer. Secondly, I provided the required document to prove that's valid account and relationship as well. Why can't Santander remove their false alert and block me to do money transfer forever?

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 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MN

Complaint narrative:
I called XXXX to get options about repayment, I couldn't log into the site because the statement I received from them didn't have the proper log in information I needed to actually log in. I spoke with someone for over XXXX minutes about whether I needed to be making payments when I am applying for forgiveness for being a teacher. They insisted that if I do not make payments, I will go in default. I set up my payments and sent in the required paperwork for forgiveness. The paper work says you can check status online-but you actually can not check the status. The paperwork also says you will get an email if there is any issues with the application-which I did not. I called after 30 days because I hadn't heard anything and couldn't check the status online ( because that's not an option according to them ) and they said someone noted that they emailed me on XX/XX/XXXX! They absolutely did not. I asked why they didn't call and they said they would only send a letter if I didn't have an email listed-to which I didn't received a letter either even though I have verified my email address. They now say I have to resubmit ALL my paperwork and continue to pay on the loan until it is processed. I asked to speak with a supervisor because my boss is on maternity and they said someone would call me but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I paid my 120th payment on XX/XX/XXXX. I submitted my PSLF employment certification and applied for forgiveness on XX/XX/XXXX. Mohela still has this document as " processing. '' Now it is XX/XX/XXXX, and I have tried contacting Mohela in every way possible to make sure that the servicer has my PSLF application. My fear is that Mohela is going to demand XXXX payment, while they should place my account on hold while my PSLF application is being reviewed.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I found accounts on my report that don't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive been disputing the inaccurate and Incomplete information for 10 months now. Ive ask the agencies to prove proof of verification and I keep getting a generic letter stating its been verified

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion is report inaccurate car payment balance that has been paid off about 1year XX/XX/2022 now balance of {$2200.00} still reporting incorrectly

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 2023-11-02 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: MD

Complaint narrative:
False inaccurate reporting I DO NOT RECOGNIZE these following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAST REQUESTED REMOVAL DATE XXXX PLEASE REMOVE I DID NOT AUTHORIZE THESE INQUIRIES

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
I am having a problem with the XXXX XXXX XXXX credit card by Goldman Sachs. I have always paid my bill on time and have a very high credit score. I have accounts with many different banks and this is the worst company I have ever worked with. They do not stand behind their customers at all. My payment was due on XX/XX/XXXX. I went online that day, logged into my account to pay my bill. It would only let me chose XX/XX/XXXX to make a payment. I tried calling and sat on hold over 30 minutes and never got through and kept getting disconnected. So I processed the payment online. I received an email immediately, on XX/XX/XXXX that my payment was received. Any other company, XXXX for example if the payment is made after a certain time automatically reverses any late charge. I figured the same would happen. The payment was made on time on the due date of XX/XX/XXXX. That isn't the case with this company and I was charged on XX/XX/XXXX two separate interest charges in the amount of {$32.00} and {$37.00} for a total of {$70.00}! I have called multiple times, been transferred, submitted claims, waited for calls back that I have never gotten. I have wasted hours and hours of time on the phone over this and they will not reverse the charges. I am not even told why there are two separate charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Orion Capital Solutions LLC
State: TN

Complaint narrative:
XXXX XXXX : XXXX At approximately XXXX central standard time XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding my debt, and without validating that she is speaking to the correct person released the last 4 digits of my social security number and emailed a PDF of a document containing my full name, address and debt information. This is a clear breach of my personal information as the agent never validated she was talking to me and not a 3rd party. 

Here is an approximate transcript of the phone conversation : XXXX : Is this XXXX XXXX? 
3rd party : what is this regarding? 
XXXX : before I can discuss this further I need to validate I am speaking to the correct person. Does your social end in XXXX 3rd party : yea, what is this regarding XXXX : this is an attempt to collect a debt XXXX then proceeds to share details regarding the alleged debt. The XXXXrd party asked if a copy of the information is available. The debt collector then proceeds to email a copy of a statement containing my full name and address to the 3rd party.

Company response to consumer: Closed with explanation