vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to formally complain about an ongoing issue I am facing with IC Systems, a collections agency, and XXXX, one of the major credit reporting agencies. I have been diligently trying to resolve this matter, but have encountered significant difficulties, and I hope the Consumer Financial Protection Bureau can assist in resolving this issue. 

On XX/XX/2023, I made a payment directly to XXXX ( instead of the collections agency ) for an outstanding balance, as confirmed by my bank statement and receipt. This payment was intended to settle the debt in question with the company itself, not the collection agency. I have retained all relevant payment records as proof of this transaction. Spectrum assured me this would be removed from IC Systems hands, and it has not. 

Despite making this payment and having the necessary documentation, I was shocked to discover that IC Systems continues to report this debt on my XXXX credit report. This has adversely affected my credit score and financial standing, making it difficult for me to access financial products and services. 

I want to emphasize that I have taken the necessary steps to dispute this inaccurate information with XXXX. I submitted a dispute through the XXXX website, attaching all relevant documents, including proof of payment and a letter explaining the situation. However, I have not received any resolution or acknowledgment of my dispute from XXXX. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter and intervenes on my behalf to ensure the accurate reporting of my credit information. I believe that the continued reporting of this debt is in direct violation of my consumer rights under the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute.

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 2023-10-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: CT

Complaint narrative:
OK - I sold and closed on a house I was flipping on XX/XX/XXXX. 

The company, BSI Financial Services, withheld {$8200.00} for insurance it said it purchased for the house when mine lapsed. I have asked for proof of this insurance with dates it was obtained and premium paid as there would be a refund due for at very least some 5 months. They have ignored my, and my attorney 's requests. Furthermore they have made no refund to date. 

The company was problematic in facilitating closing not providing timely payoff documents when requested and when they did, they were inaccurate. 
Then they suddenly decided to add {$4800.00} for Foreclosure legal fees to the Pay Off amount to be paid to them. I challenged this demanding an accounting of what this was they were charging me for as the property had not entered into foreclosure and was under contract at the time they came up with this number. In response they sent back a screenshot of XXXX lines of text. XXXX line was for {$2800.00} for Foreclosure proceedings and the other was for {$2000.00} " Anticipated '' Filing fee. I demanded a breakdown from their attorney as I know this was all fabricated. I also pointed out that the {$2000.00} " anticipated '' filing fee should in any case not be there as we were 5 days from closing, not to mention that it doesn't cost {$2000.00} to file. 

They sent me a copy of their lawyer 's invoice dated the same date that I demanded it with a charge for {$1400.00} listed as a " XXXX up '' fee with XXXX hours billed. The " set up '' fee was also incurred AFTER I demanded proof. 

Note that the {$1400.00} is a far cry from the {$4800.00} they originally attempted to get from me. My assumption is that having been busted, they asked their attorney to cover their XXXX by invoicing something that would never be paid just to have a temporary paper trail to facilitate getting the extra cash out of the escrow. 

Additionally they made the pay off for a day after escrow was due to close so they owe me an additional {$240.00} for the extra day of interest paid but not incurred. 

I originally got my loan through a company called XXXX that Flip who tried in vain to mediate. They informed me that they no longer use BSI for this reason. 

NOTE : BSI Financial Services was already sited and fined over {$200000.00} for violations in XXXX by the CFPB for basically doing the same things to others as they are doing to me. Vague and creative accounting, non communication, and withholding money they are not due. 

As neither myself nor my attorney has been able to get a response from XXXX, I turn to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: FL

Complaint narrative:
The accuracies of their reports were questionable to me because they appear to have different details among other consumer reporting agencies. I have already informed their company repeatedly that these accounts were found to be incorrectly added on my files to which I even requested them to process for a reinvestigation but they still failed to do so.

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 2023-10-06 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: FL

Complaint narrative:
The accuracies of their reports were questionable to me because they appear to have different details among other consumer reporting agencies. I have already informed their company repeatedly that these accounts were found to be incorrectly added on my files to which I even requested them to process for a reinvestigation but they still failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2023-10-06 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 XXXX 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 non-monetary relief
Consumer complaint received 2023-10-06 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit Bureau have been asked repeatedly to validate debt due to inaccuracies in reporting. No action has been taken to validate the debt. Reporting does not meet FCRA requirements and is limiting my ability to build credit appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
With the end of the student loan repayment pause, I reached out to AidVantage to understand why my account balance was higher on their website than it was on the studentaid.gov website. 

On XX/XX/2023 they responded that " Your current balance is {$8300.00}. This discrepancy of {$3.00} can be due to the refund request that was processed. This discrepancy of {$3.00} can be due to the refund request that was processed " which didn't make a ton of sense to me, but it was only {$3.00} so I figured they were a bit XXXX but it wasn't worth my time. 

Then, on XX/XX/XXXX I got informed that my auto payment has been processed, but I see that now on the Aidvantage website it says that my balance is " {$8400.00} '' When I look at " Account History '', the only action in the last 90 days is from XX/XX/2023, where it says " Capitalized Interest '' but all of the amounts say {$0.00} ( screenshot is included ). It doesn't say anywhere why or how this {$27.00} dollars was accrued or how I could have avoided it being converted to principal. 

It looks to me like Aidvantage is expecting that most of their borrowers aren't noticing this increase in their amounts due, thus they're marking that interest was capitalized but not noting the amount on our accounts page, so they've somewhat told us that interest was converted into capital but they withheld the amount and it is not obvious what happened nor why. 

This feels like XXXX behavior- I'm on autopay, so why should I be penalized with capitalized interest when I had no chance to pay that interest/the auto-pay didn't cover it? 

I tried calling Aidvantage today XX/XX/2023 to ask them about this but they just kept me on hold for over an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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:
I have taxes escrowed. I received a letter saying a lien will be put on my property because XXXX school taxes were not paid. Ive called several times asking for proof that they were paid but have not received anything showing they were paid. Emailed letter from the attorney but the bank has not responded to the attorney.

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 2023-10-06 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: LEXISNEXIS
State: PA

Complaint narrative:
I am filing a complaint due to inaccurate information on my credit report, specifically to my account at XXXX XXXX XXXX  with an account number of XXXX This account is reporting inaccurate information such as payment history, date of last activity, payment status, etc. 

I am not even aware of why this account is in charge-off status. I have paid this account in full, and I don't have any financial obligations with them anymore. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: ID Analytics, Inc.
State: PA

Complaint narrative:
I am filing a complaint due to inaccurate information on my credit report, specifically to my account at XXXX XXXX XXXX  with an account number of XXXX. This account is reporting inaccurate information such as payment history, date of last activity, payment status, etc. 

I am not even aware of why this account is in charge-off status. I have paid this account in full, and I don't have any financial obligations with them anymore. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
During a very harsh personal situation - XXXX XXXX, I received a phone call from Citibank asking me if I used the Citibank/Home Depot card lately. I told them that I never used this card since XXXX time frame when I needed it to get new windows for my house. I also mentioned to them that I did not know that I still have credit with them, more exactly {$5000.00} credit that they assigned me. During the summer, I received a few calls and an email + online receipts from somebody from Citibank trying to push me onto recognizing the purchases. I did not recognize those purchases made online since my card was not used to make those purchases. After a provisory credit of 2 months, and they never sent me a letter to announce that the provisional credit had stopped. The Citibank/Home Depot bills started in XXXX. Since then, they are coming regularly with added monthly interest. To me this is a very clear case of cybersecurity theft and a credit cards behavior of getting their money back on the expense of customers like me. I do not understand why should I pay for bills/purchases that I never made nor that somebody authorized by me made those purchases. All the Home Depot purchases that I made this XXXX were purchases made and paid by phone, with my XXXX card. I completed a police report ( on XX/XX/2023 ) and contacted XXXX and XXXX XXXX. I plan to contact XXXX as well, I will also contact the CitiBank/Home Deport card suc as to consider an appeal.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TRANS UNION REPORTING AGENCY IS REPORTING FALSE INFORMATION IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( F.C.R.A ) INFORMATION ON MY CREDIT REPORT IS OUTDATED AND COMPAMPANY FAIL TO REMOVE OR CORRECT THIS INFORMATION. 

THE STATUE OF LIMITATION HAS PASSED, DEBTS HAS BECOME TIME-BARRED CREDIT REPORTING TIME LIMIT THIS INFORMATION SHOULD NO LONGER AFFECT MY CREDIT OR ACCESS TO EMPLOYMENT.

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 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had a severe case of Identity Theft which is now in the hands of Congressman XXXX XXXX of MD and Senator XXXX XXXX XXXX. This began in XXXX. I was living with my boyfriend and I am convinced that he stole my cards from PayPal to XXXX and XXXX XXXX XX/XX/XXXX. In XX/XX/XXXX  after an XXXX XXXX XXXX that occurred on me, when I was XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Things progressively got worse because when I was not home, they went through my things and stole a bunch of my property, including a laptop which they were able to get online and get onto my XX/XX/XXXXXXXX account my PayPal account, my XXXX, everything I had was gone in one day. 
The names of the perpetrators are : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I was also forced out and was homeless after that and my company was still struggling with COVID REGULATIONS. I dont think I worked for three years. I lost everything its in the hands of XXXX because Im trying to change my Social Security number. Its that bad. And these credit companies, one by one are suing me. Having been released without prejudice and due to MD CODE 305. I was relieved from the fraud case by a judge in civil court. And now I expect to have to do this again and again.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-06 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: EdFinancial Services
State: MD

Complaint narrative:
I over paid my loans and finally they were applied to my other outstanding loans however everything is completely paid off but now I have negative balances on my account that I would like refunded to the account I paid from. I have tried calling and emailing edfinancial but it is really hard to get a hold of them. In summary, the loans are paid in full but I have negative balances due to overpayments.

Company response to consumer: Closed with explanation