vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
This complaint concerns my mortgage company not paying my real estate taxes, due to them saying that the parcel number on the deed was wrong. I spoke to a lawyer, and he said that it is almost impossible to mess up an escrow account based on that information. I feel my mortgage company has been trying to get much more money from me than they need to. My mortgage company is PHH Mortgage from XXXX, IL and I have been trying to get them to pay my real estate taxes since XXXX of XXXX, and then adjust my monthly mortgage payment accordingly, when I got a notice from my income tax bureau that they were delinquent. In XXXX of XXXX I received a {$1500.00} rebate, then in XXXX of XXXX I received another rebate check of {$2100.00}, and I thought this was weird, but went on with life thinking they would know better than I, and then I got the notice from the tax claim bureau that my real estate taxes were not being paid, so I noticed PHH, they had no clue what was going on, I called the tax claim bureau, the tax collectors, and PHH several times before they finally came up with the answer that the parcel number on the deed was incorrect, so I called the Title/Closing company and they said they have never heard of this before from any other mortgage company, so I went back and forth with PHH and finally had to pay for another deed with the parcel being listed as parcel XXXX, then I got notification in XXXX of XXXX that our escrow was {$13000.00} in the negative, I just about fainted, I thought how can this be possible, they haven't even been paying our taxes appropriately, so I reached out to XXXX XXXX XXXX XXXX XXXX that got us the loan and she went through the escrow analysis and found that they were over charging us {$10000.00}, but they were still saying that we were {$3000.00} behind in our escrow, even though in XXXX, XXXX, XXXX of XXXX they increased our mortgage from {$1000.00} to {$2600.00} per month, which I paid, and then in XXXX they finally adjusted it down to {$1500.00} for the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I really need some help with this because this just isn't fair. I've been trying to get our mortgage payment adjusted to the original monthly payment of {$1200.00}, so I can afford it and not lose my home. They refuse to see that they are at fault here and have not been helpful adjusting these calculations accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: MO

Complaint narrative:
This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.

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 2024-06-12 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: NJ

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-06-12 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is 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 2024-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/year> I made 2 attempts to contact American Education Services to understand who actually owns my private student loan so I could speak to the lender directly and explore repayment options. American Education Services is the loan servicer. 

I was instructed by 2 different representatives 2 separate times at American Education Services that my loan was owned by XXXX XXXX XXXX, XXXX and they gave me a phone number to contact them. 

From the first call to XXXX XXXX XXXX, XXXX, I made contact with a representative who said that they do not have a record of owning my loan. I then called back American Education Services and the representative told me the same thing that my loan is owned by XXXX XXXX XXXX, XXXX. I called back XXXX XXXX XXXX, XXXX, this time with a conference call with the AES representative on the line, and we were on hold for roughly 10-15 minutes and eventually ended the call as we were not able to reach anyone to verify AES 's XXXX that says XXXX XXXX XXXXXXXX XXXX XXXX owns my loan. 

After this failure to reach an entity who said they do not own my loan, I was then advised by the American Education Services representative that " they probably have different departments and can't find your information '' and then told me it might be best to write a letter to XXXX XXXX XXXX, XXXX instead. 

I told the AES representative that this suggestion and this whole experience was unacceptable and that I was highly dissatisfied with this service. I felt like I was being directed into a revolving turnstile and still to this date do not know who owns my loan, or how to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: KY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-06-13 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: KY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX XXXX I recieved a hit on my credit report for an apparent debt owed of XXXX from a company called Online information Services titled utilities. I have heard nothing from this company and never recieved a letter from them to verify or dispute the suggested Debt. I was not given the opportunity to dispute this debt before they posted it to my accounts negatively effecting my credit score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: TX

Complaint narrative:
This account does not belong to me and I have had zero help from the credit bureaus or company to get this removed. I've been disputing this account all year. The account is from XXXX XXXX XXXX XXXX XXXXXXXX ) and I have yet to receive any validation from this company or the original company. I want this account removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: TX

Complaint narrative:
This account does not belong to me and I have had zero help from the credit bureaus or company to get this removed. I've been disputing this account all year. The account is from XXXX  XXXX XXXX XXXX XXXXXXXX ) and I have yet to receive any validation from this company or the original company. I want this account removed from my credit report 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 2024-06-12 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: NV

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 aren't even in compliance with Metro 2 credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted 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 non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I have 3 prepaid credit cards on file that i did not authorize to be open or used. 
once is chime card for {$2000.00} current card for {$550.00}, XXXX XXXX for {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Kikoff Inc.
State: NJ

Complaint narrative:
I have 3 prepaid credit cards on file that i did not authorize to be open or used. 
once is XXXX XXXX for {$2000.00} XXXX XXXX for {$550.00}, kick off for {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: GA

Complaint narrative:
I've received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-12 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:
I've received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
* I opened an account with FOREVER 21 clothing store thru Comenity * I made the first payment at the store because I could not set up an account online * In the process of trying to get the payment made, it then became late * At this point I called in and made the payment with a live person so that I could confirm that the balance was XXXX after I made the payment, that the late payment WAS paid with that payment I just made, and I so I could receive a confirmation #. This payment was made on XX/XX/year> ( a full 15 days before the due of XX/XX/year> ) * I received a bill stating that I owed {$3.00} ( this bill has a due date of XX/XX/year> ). I called today, XX/XX/XXXX, for customer service at XXXX to find out how I owed {$3.00} with no balance showing. 
* The automated system for FOREVER 21 confirmed the payment amount and date received, then said my current balance owed was now {$6.00}. The first customer service rep I was talking too confirmed it was for INTEREST ; then " disconnected '' me while he was checking on why it was charged ; although the line was still open, there was no one there. I called back, got to another XXXX rep, she then told me that I owed {$9.00} and that it, again, was for INTEREST. She was not in XXXX so I asked for someone higher up. 
* I was transferred to an American based center, and that rep confirmed again that the balance owing was for INTEREST, went over again my options to make the payment, ( because at this point I just wanted to get the balance PAID OFF and close the account ), but now the balance was {$12.00}!!!!!!!!!!!!!!!!!! Forget that it's extortion, because it was charged for INTEREST, as confirmed by every representative, they have violated their contracted amount for interest charges, and how often interest is charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MN

Complaint narrative:
On XX/XX/XXXX the debt collector ( Hunter Warfield ) had sent us a letter with the claim that we had owed a debt that was falsely and illegally given. We had ended a lease due to a stalking and break-in that happened to the property. 

On XX/XX/XXXX I had sent a letter to the debt collection agency after not getting information for a address we could send this to. I had to pull up their Address online. 

In XX/XX/XXXX, I had a hard hit on my credit score due to this debt not being paid off. We then received another letter from Hunter Warfield in regard to paying this debt then. I was very unhappy about this and was looking for lawyers to represent us after contacting us after out letter.

In XX/XX/XXXX, I had taken another hit with my credit because of them. 

On XX/XX/XXXX They had sent another email claiming we still owed the debt, but saying that they have a deal this month to pay it off for 20 % off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NE

Complaint narrative:
I made a payment of XXXX to pay off my loan. Got pay off documents. I should have not received this because I still owed XXXX Later got an email that I owed XXXX on the loan. Now got an email that I owe XXXX apparently because there were XXXX payments made off XXXX and XXXX returned to my bank and they sent me a refund of XXXX. My loan should have been and was closed just to be reopened to late fees, interest fees and a XXXX debt in their error. I do not have a refund so Im getting interest charges on something I can not pay. They also added a return check fee and a late charge. I feel like this is possibly something they do to keep you in a loan with them. I sent a notice of error letter overnight on XX/XX/22 stating there was an error. In which they would have 7 days to correct the issue but I received nothing but payoff documents. No response at all to this day. If there were XXXX payments should they not have waited for all payments to clear before issuing any documents? This is causing me severe XXXX  and stress and Im not in the best health and nobody seems to care except for when they will get their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Its been over 3 months of me asking American Express to fix a payment Ive made on XX/XX/XXXX on a phone call with Amex agent and the payment was to be for XXXX but the agent out it on the wrong billing cycle so the system didnt put it for XXXX. I contacted them and was advised to not make XXXX payment as they would fix the issue so I made my regular payment in XXXX. 
Ive been on over 30 calls with American Express and they promise resolution but dont fix it. Finally a couple weeks ago they refunded the amount saying they couldnt fix it and asked me to pay again, which I did. 
Now I got notification from my credit that American Express reported me as 30 days late payment when I never missed a payment. I talked with them again, over 3 hours on a call and they again say they have to open investigation and offered me no resolution. 
Ive been dealing with this issue for 3 months. I got wrong information and empty promises of resolution every step of the way. Ive wasted hours at every call and now I have a negative credit report when I made all the payments that were asked of me?! I need Amex to remove this negative remarks form my credit immediately and give me an apology for this mess!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: MN

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this item to immediately be re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act. Public law 91-506. Title v1 Provide the names and business of each individual with whom you verified the account with. Please send an updated copy of my credit report after your reinvestigation.

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