vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 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: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX was serving seeing my mortgage account, loan number XXXX. As of XX/XX/year> XXXX XXXX sold my loan to flagstar Bank, loan number XXXX. Sometime between XXXX of 2024 and present XXXXXXXX XXXX is now servicing my loan. When I attempted to obtain information by logging into their website it wouldn't accept my loan number it said it was the wrong number that I was missing a number but that's the only numbers on my loan paper I can't find any information about my loan my mortgage account on the phone or when I log in I'm not able to make a payment today XX/XX/year> I don't know why but it's not allowing me to and and it's telling me that I have the wrong password and I know I don't have the wrong password.. usually you're able to find out information about your loan and your last payment and all that other good stuff by calling them you don't necessarily have to speak to a live operator or anything but I'm unable to do that now they also told me that my social security number is associated with three different loans. Loan number XXXX. Loan number XXXX. Loan number XXXX. This concerns me I only have XXXX mortgage loan and it should be the one ending in XXXX. I also have my county taxes and home insurance are included in my escrow monthly payment. My monthly payment was originally {$3800.00} for XX/XX/year>. My payment for XX/XX/year> is {$3800.00} I've never been late or missed a payment and I don't know why it's a different amount nobody 's notified me about any changes. The fact is I should be able to get information on my loan no matter what time of day it is whether it's through the phone or when I log into their account but I'm unable to do that it keeps saying that they don't recognize me. And as of XX/XX/XXXX I'm unable to make a payment and nobody 's there no live operator is there to take my call and I'm unable to do it through the phone system and I'm unable to do it when I log on to their App.

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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, equifax, and XXXX  are reporting incorrect information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX, and experian are reporting incorrect information on my credit profile.

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 2024-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Moneylion Account XXXX Additionally, it has come to my attention that I have not received a Form 1099-C, which is required for reporting canceled debt under the Internal Revenue Code. As per IRS regulations, the issuance of Form 1099-C is necessary for the debt amount to be properly accounted for and reported. The lack of this form may indicate non-compliance with the relevant credit reporting and tax regulations. 
Given these circumstances, I request that you : 1. Delete these charge-off entries from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Overpaid balance, on time payments & paid in full balance never sent to all three credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out to inform you that I have been a victim of identity theft, which has resulted in the appearance of several fraudulent entries on my credit report without my knowledge or consent. These 3 unauthorized accounts and 3 inquiries were added to my report without my approval. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed a report with the Federal Trade Commission ( FTC ) concerning this identity theft and am now requesting the immediate removal of these fraudulent items to correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX, has violated my rights 15 u.s.c 1681 section 602 A. states i 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 instruccions

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 2024-09-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX, has violated my rights 15 u.s.c 1681 section 602 A. states i 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 instruccions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX a wire for {$29000.00} was sent to a chase account account. I filed a claim with Bank of America for fraud along with the account information that the account was sent to and they said they would put a reclaim on the account. I kept calling back and was informed there was no formal case number so I opened up a formal case XXXX XXXX and I have not been updated with any information. I called Bank of America fraud services and was told there had been no movement on the case as of this week XX/XX/year>.

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 2024-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
I have received numerous phone calls from ( name the collection agencies ) ( the max you should do is XXXX ) I have requested that they cease all communication with me being that this debt do not belong to me. They haven't provided me with no proof, I have sent XXXX debt validation notice and they still havent responded back with any documentation. Per the FCRA these collection companies are in violation of 15 USC 1681n for willful Non compliance. also in violation 15 usc 1692c. My understanding this in violation I can sue for up too {$1000.00} per violation. Hopefully you will reach out to these companies and also have these inaccurate accounts deleted from my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: TX

Complaint narrative:
I sent a letter to the bureaus requesting they conduct an investigation into some accounts on my credit report because they are not correct. It has been more than 30 days and they have not corrected, updated, or deleted anything and the have not sent me the results of their investigation. I am demanding they remove these accounts from my reports immediately for failure to comply with the FCRA and conducting a reasonable investigation in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This transaction happened on XX/XX/2023 XXXX I went to a gas station in my local area and I went to gas station pump the pumps have XXXX XXXX as my credit card is the XXXX credit card. 
I used XXXX XXXX on the pump and the pump didnt go through the first time the pump showed XXXX as I had been charged nothing. So I then went inside and paid {$XXXX} on XX/XX/2023 at XXXX using my XXXX XXXX inside the gas station. That was the correct charge the {$XXXX} Then the next day I see a charge on my credit card of {$XXXX} from the same shell I was at the transaction was XXXX minutes before my actual transaction. I think the pump scammed my card and my bank Goldman Sachs Ive been trying to dispute the charge for over a year. Every time I dispute it, the charge comes back as in favor of the merchant. I called my credit card company and they told me the merchant had provided proof of the purchase on XX/XX/2023. I asked for proof of this because how would they have proof of a transaction only if they really did wrongfully charge me {$XXXX} unauthorized. My credit card company said they would email or mail the proof and havent. Ive reached out to the XXXX and they are no help and tell me to talk to my credit company and my credit card company wont help me so I would appreciate the help thank you please reach out if you need more info. The only proof I have are of the transactions on my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-01 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: SC

Complaint narrative:
CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS ON CREDIT REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, EXPERIAN, AND XXXX XXXX HAS BEEN INVOLVED IN A DATA BREACH. THE SOCIAL SECURITY ADMINISTRATION HAS BEEN INVOLVED IN A DATA TO WHERE MY CONSUMER REPORT HAS BEEN VIOLATED AND MY PERSONAL INFORMATION HAS BEEN RECEIVED BY HACKERS. IT IS ILLEGAL TO KEEP INCORRECT INFORMATION ON A CONSUMER CREDIT REPORT. PER THE LAW 15 USC 1681, CONGRESSIONAL FINDINGS, AND STATEMENT OF PURPOSE, WHICH IS RIGHT TO PRIVACY. WHICH MEANS ACCESS TO A CONSUMERS CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING. ALL BUREAUS HAVE BEEN INVOLVED IN A DATA BREACH WHICH IS A VIOLATION OF A CONSUMER RIGHTS. CONSUMER HAS MAILED IN FTC REPORT AND COMPANIES STILL VIOLATE CONSUMER RIGHTS.ACCOUNTS ARE NOT CONSUMERS AND ARE SOMEONE ELSES ACCOUNTS THAT ARE CONSUMERS REPORT. XXXX HAS REMOVED ALL FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. DO NOT VERIFY THIS INFORMATION WITH E-OSCAR SYSTEM, VERIFY INFORMATION WITH A HUMAN. I WANT THE INDIVIDUALS NAME WHO WILL BE DOING THE VERIFYING. ALL FRAUDULENT ACCOUNTS SHALL BE REMOVED IN 4 DAYS.

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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: NJ

Complaint narrative:
Contacted stating account was not mine no knowledge of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I just checked my report and realized credit acceptance has listing the fraudulent account as late even after the repossession. It shows on my account that the vehicle has been late every month. That there is XXXX late payment. And XXXX  hasnt owned the car for XXXX  months. After that repossession there was no agreement in place to pay anything monthly. So whats late? They still have the full balance showed on my credit report. But to mark something late after an account was closed and there wasnt an agreement to pay is straight up illegal! Also there were belongings left in the vehicle worth a lot of money me or XXXX  never retrieved due to towing agency saying accusing me making threats I was told all our belongings was thrown away. So how will we be reimbursed for all the belongings taken and thrown away

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 2024-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: MO

Complaint narrative:
Westlake financial sent XXXX XXXX to repo vehicle on XXXX XXXX I never received a letter from them that the vehicle was up for repo or a letter on how to collect the vehicle But received a letter from Westlake financial that they were selling the vehicle on XX/XX/year> I performed did heated nothing form Westlake financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio RC is using tactics of harassment by calling, texting, Emailing and letters about a debt thats not mine.From 2018 that I did not obtain. The 2 account were opened falsely in my name and they said because they have my name and social that I have to accept this debt As thats the only proof they need that it was mine. I did not have these account inXX/XX/XXXXI believe my information was used by somebody I know without me knowing or my information was taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: CA

Complaint narrative:
I submitted a new, XXXX  application to change from XXXX to XXXX, beginning XX/XX/year> and multiple times in XX/XX/year>. MOHELA deleted from their website that I submitted these documents, under their " Documents you sent to us. '' Since XX/XX/year>, I emailed MOHELA several times to confirm receipt of my XXXX application and to date have not processed the XXXX application. I submitted XXXX complaints to XXXX regarding this matter, most recently XX/XX/year>. 

MOHELA continues to leave me in XXXX and in forbearance, which will not count towards XXXX. The email responses they provided continue to only refer to XXXX  certification, despite the fact I submitted the new application to change to XXXX. I submitted directly to MOHELA 's website. Processing of the XXXX application should not place me in the same forbearance category as XXXX, which will allow for continued XXXX counts during the processing period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The Company Newrez LLC merged or took over SLS which was the prior servicer of the loan that acquired or serviced the loan from XXXX XXXX. This has been a disaster from the beginning. There was incomplete transfer of payment information. There has been no attempt or investigation on their part to complete that transfer. It is left to the customer to prove that they paid or double pay whatever payment information was not transferred over. They are alleging that I did not pay 2 months mortgage- XXXX and XXXX. I send them proof of payment- the receipt they sent to me of payment. they claim this was not enough. This has been going on since XX/XX/year>. I then sent them Bank statements from XXXX showing withdrawal each month of the mortgage amount to the company. They have gone silent. With no resolution of this issue. In the meantime, my credit score have gone from XXXX to XXXX. I am unable to refinance or apply for any loans to get out from under this nightmare and they are charging me late fees and all kind of fees while I am being held ransom by their incompetence or fraud or scam. I have been calling weekly since XXXX to get this resolved. The department- Loan Servicing Department that is supposed to be handling this does not take calls, only email and have has not responded to any emails- ever! I have sent multiple emails to supervisors, anyone who will listen ; Nothing. 
In the meantime, my credit scores that I have spent a lifetime building tanks! and I am unable to attempt to refinance because of the abysmal score. I usually take mortgages out with big banks and if I use a regional bank it is usually bought by a bigger bank. I have never heard of this servicer but this is the worst experience I have had with a mortgage. The absolute worse! They should not be in this business ; any business for that matter. 
They are untrustworthy! 
Who are their regulators! They need to be investigated! Something is amiss! All the dots aren't connecting with this company!

This is BASIC!!

The regulators ; SEC needs to go in with a fine tooth comb ; something is going on with this company!! 
XXXX

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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion, XXXX XXXX XXXX XXXX are reporting late payments on the account listed as XXXX  XXXX  Account # XXXX these late payments are affecting my credit score and they have not been validated as accurate and credit card payments can not be treated as late payments. TransUnion is reporting late payments XX/XX/XXXX and XX/XX/XXXX. XXXX lists late payments XX/XX/XXXX and XX/XX/XXXX. XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX these payments do not match up so this account has not been validated. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-09-01 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: TX

Complaint narrative:
I notified the credit bureaus of misinformation on my credit report and they failed to fix the problem. I initially asked for an investigation and they failed to investigate properly and sent me a generic letter without making any corrections to my reports. I asked them how they validated the information and send me the results of the investigation and they failed to do so. I am frustrated at dealing with them. This should be a simple fix but they are making this difficult. They are not doing what the law states they must do and I feel like I am wasting my time trying to get them to fix it.

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 2024-09-01 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:
I notified the credit bureaus of misinformation on my credit report and they failed to fix the problem. I initially asked for an investigation and they failed to investigate properly and sent me a generic letter without making any corrections to my reports. I asked them how they validated the information and send me the results of the investigation and they failed to do so. I am frustrated at dealing with them. This should be a simple fix but they are making this difficult. They are not doing what the law states they must do and I feel like I am wasting my time trying to get them to fix it.

Company response to consumer: Closed with explanation