vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: MN

Complaint narrative:
Flagstar Bank has taken nearly every payment that was sent and misapplied the funds. 

With every payment, we have sent an overage that we have directed to be applied to principal. However, Flagstar has routinely applied these funds to future payments, guaranteeing itself additional interest beyond our goal of principal paydown. We have been given various excuses and workarounds, even as the company has noted that it has fixed the issue each month. 

Most often, we have been told to send the check after the due date, as a check arriving even one day before the due date is not treated as applying to that due date. While we haven't heeded this advice and have sent every check to arrive on or slightly before the due date, I do note that the XXXX payment yielded a late fee ( later reversed ) because Flagstar inappropriately assigned the principal overage to the month of XXXX from the check sent for the XXXX payment, resulting in no payment recognized for the month of XXXX despite the check arriving slightly before the due date. For this most recent payment in XXXX, our check arrived on XX/XX/2023, and the overage was still applied to the month of XXXX instead of principal paydown. 

After more than a year of Flagstar 's repeated misapplication of funds, I no longer believe that this is accidental. I must call for a correction every single month ; these calls will be noted in Flagstar 's records. Because these errors, if left uncorrected, benefit Flagstar in the form of additional interest, I must raise the concern that this activity is not negligent but rather fraudulent. 

No other mortgage servicer we have had has had this issue. As a result of this issue, I have had to spend many hours on the phone with Flagstar. These calls have resulted in promises of ongoing resolution, but the issue is ongoing.

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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the listed accounts has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. 

I requested that Equifax, XXXX as well as XXXX to re-investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXX However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. They also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly.

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy. 15 U.S.C. 1681 Section 602 ( a ) ( 2 )
states that a Consumer Reporting Agency can not furnish an account without written instructions.

15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate.

Lastly, they are not in compliance with Metro 2 Credit Reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights of privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX XXXX XXXX. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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 non-monetary relief
Consumer complaint received 2023-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANNER CORPORATION
State: WA

Complaint narrative:
I recently had XXXX XXXX in XXXX, when I went into the XXXX my daughter in law noticed that my daughter was withdrawing money at a rate that was alarming. When I tried to call to get this person off of my account because of elder abuse, or unauthorized withdrawal of funds, the bank told me I would have to come into a branch and that they couldn't do that. I, in no way, could make it into a branch and wanted to stop this unauthorized withdrawal of my money. 

Then when I opened a new account at a different bank, which I warned them about, they shut off my access to online banking and inactivated my account. They are preventing me from moving my money to the best of my ability since I am immobile and depend on others to drive me around to doctors appointments and other things I need and can not get to a bank in the limited amount of time I have someone to help. The bank called and asked if I had made the money transfer and I said yes, but they still inactivated my only life line. WHen the bank called to see why I was transferring money out to my new account they told me that it was not my normal actions so they questioned it, but they did not question my daughter withdrawing inordinate amounts of money from my account, that drastically increased during the months I was incapacitated.

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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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 2023-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: CO

Complaint narrative:
I sent Global Lending Service a letter to explain a repossession account they have placed on my credit file. 

In their response, they sent me a contract with the name " XXXX ''. That is not my name with an address that I have never lived at in XXXX. My name is XXXX and I live in XXXX. 

This also shows that it's a repossession, however there is no other documents in this response showing a transaction/payment history, a repossession notice etc. 

Ive included the contract with the information that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NJ

Complaint narrative:
IQ Data sent me a letter claiming that I owed {$3700.00} on XXXX I sent a verified letter disputing the debt. The debt was Purchased from a current company owning an apartment complex I used to live in. I never rented from this company, the building was sold to this company after I moved out. I never owed any money to my previous complex before I moved out. This debt is also from the year XXXX, and I was only contacted this past XXXX, I have never been contacted before then. In the letter I sent, I asked for the company to verify the debt and they didn't send me anything back. They did not send disclosure or info about verification. They also did not mark on credit report as that this was disputed. These are violations of FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Thank you for the deletion, i am forever grateful as a reporting XXXX XXXX XXXX on my credit was taken a burden on my eligibility to obtain credit, get proper housing, proper transportation

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 2023-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I mailed Debt Recovery Solutions an initial letter disputing the debt and asking for them to validate said debt on XX/XX/23 that was delivered on XX/XX/23 with certified tracking # XXXX. Debt Recovery Solutions has failed to respond, I am now sending my Fee schedule, Cease and Desist letter, notice of forced hire, and a notice of default with an opportunity to cure. I will next be sending a secondary notice of default and bill of particulars if they fail to procure this matter accordingly within the time frame allotted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are some inquiries on my report that after contacting the company and trying to get more information and get the inquiries removed they were unable/refused too said i had to file a ftc report XXXX I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/XXXX ; XXXXL inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX. The only thing that makes sense is someone at the lending company misused my info because I was pre-approved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2023-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I began a repayment plan with Discover Financial in 2022 to pay off the balance of my credit card instead of accepting a settlement which would have closed my account. I understood that the card would continue to have no available credit until a point where the account was re-evaluated. I've been in the process of improving my credit and paying off creditors starting with the least amount owed. Since then, I've paid off a car, paid off one credit card in full to re-establish a line of credit and made an agreement to pay another off 2 months from now. Once this was paid off, I would pay at least {$500.00} a month to Discover instead of the {$250.00} ( twice the minimum agreed upon ) I've paid on time since the agreement. 

I've been informed now that despite not missing any payments since beginning this payment plan, that my account is closed. This is a breach of contract. I was never advised that in order to maintain an " open '' account I could not use, that they would create some arbitrary deadline to repay the entire balance. 

When you discuss repayment plans, make them put it in writing. Get transcripts of calls. Record them and advise them they're being recorded if it's legal in your State. 

And if you're considering Discover, I'd advise not to at all. I thought they would honor their obligations according to the positive feedback they used to have. XXXX gives them a XXXX rating ( XXXX XXXX XXXX XXXX ). Something must've changed. They're covering potential losses in the event of a recession, so they're closing accounts to reduce risk. How is " no credit available '' a risk to them?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of Identity Theft. The loan company is called TRUIST BAN. On my credit report it said it opened XXXX loan amount XXXX. I reported it as Identity Theft. I need a copy of the original signature please.

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 2023-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Since XX/XX/2018, my personal information has been illegally shared by XXXX XXXX with a company named TrueAccord. TrueAccord claims that XXXX XXXX XXXX XXXX XXXX is their client and that I owe {$60.00}. I have been harassed repeatedly for years with them overwhelming my inbox. It has been stressful. I am a XXXX veteran already dealing with enough XXXX  health issues. I do not have an account number for this alleged debt and did not give my express permission for a person, corporation, or any third party to release my personally identifiable information or contact information. The information that they have obtained is also grossly incorrect! Please just make it stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
In Accordance with the fair credit reporting act. The list of accounts below has violated my federally Protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, TransUnion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However They stated everything was complete And accurate But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A. State l have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states A consumer reporting agency Can not furnish a account without my written Instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer Reporting agencies can make any consumer reports containing any of the following items Of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have 2 cards with the same cycle, due on the same date, yet they have different processing when it comes to payments. 

In the past if I was a day late on paying the minimum, I could pay it and it would not count against me. 

My payment for both cards is due on the XXXX of the month. 
I logged in XXXX to pay both minimums. 
I added a new account to pay, the system verified the account and added the account as a payee, which it would not do if the account was not accurate. 

I was able to pay the minimum on the smaller balance, however when I tried to pay the one w the larger balance it wouldn't let me. 

I called, and the rep said I couldn't pay it bc it was a day late. I explained I had paid a day late plenty of times, besides the system allowed me to pay the other account, which had the same due date. She could not explain why and said I would be charged a late fee on one account and not the other, although they have the same cycle and due date and even though this was not the case from the past. 

Then I got a message the other payment didn't go through bc there was an error with the account that has already been verified and added as a payee. I called, the rep put the same exact numbers in to remake the payment and of course, I was charged a fee on that account as well. 

I was charged {$75.00} extra on the larger balance and {$6.00} extra on the smaller balance, which to me were predatory fees being there clearly is no standard practice. 

Now, early this morning, XXXX I made a payment to both cards using an old account that I've used many times. 

Of course, the smaller balance went through and shows a pending payment. 
But the larger balanced account is still saying I'm behind, which is inaccurate, because I have a receipt in my email showing I made both payments a minute apart from the same account, both in the early morning of the due date, XXXX. 

Further more, just like last month, the cycle ended only on the larger balance and shows I have to wait until the next cycle to make a payment, that already made on time this morning. 

The system is not functioning properly and of course, Capital One is making money from the " errors ''. 

The screenshots uploaded are from XXXX on today, XXXX. I made both the payments this morning around XXXX, which is also in the screenshots. What kind of system records certain payments but not others?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
RENTRECOVERYSOLUTIONS Is reporting a credit balance to my account that does not belong to me. The amount is {$1700.00}. I have contacted the collection company and advised that the debit does not belong to me. Ive also sent in copies of my social security card and they refuse to remove the collection from my report.

Company response to consumer: Closed with explanation