vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against NewRez for Mishandling of Escrow Payments during XXXX Forbearance Period Dear Sir/Madam, I am writing to file a formal complaint against my mortgage servicer, NewRez, for their failure to accurately process my escrow payments during my XXXX forbearance period as per XXXX XXXX 's guidelines. 

I was granted forbearance due to financial hardship caused by the XXXX pandemic, effective XX/XX/XXXX to XX/XX/XXXX. 

I recently discovered that NewRez failed to advance the full amount of my escrow payments, which has led to discrepancies in my account. This has not only impacted my financial standing but also puts me at risk of additional fees, penalties, and other possible repercussions including issues with my credit report. 

Specifically, I request that the full amount of escrow that was supposed to be advanced during my forbearance period be added to my XXXX deferral balance, in accordance with XXXX XXXX  guidelines . Failure to rectify this issue is in direct violation of the terms and conditions set forth by XXXX XXXX, and I demand immediate corrective action. 

I kindly request the CFPB to investigate this matter thoroughly and ensure that NewRez complies with XXXX XXXX 's guidelines regarding the handling of escrow payments during XXXX forbearance periods. 

Thank you for your time and attention to this serious matter. I look forward to your prompt action to resolve this issue. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Are you reporting on behalf of a business? 
No Business Name : Is the incident currently impacting business operations? 
Age : Over XXXX County : California Country : United States of America XXXX : California XXXX Transaction ( s ) Transaction Type : Credit Card Transaction Amount : XXXX Transaction Date : XX/XX/2023 Was the money sent? No Victim Bank Name : Wells Fargo XXXX Bank Address : XXXX XXXX XXXX Victim Bank City : XXXX XXXX XXXX Bank Country : United States of America Victim Bank State : California Recipient Bank Name : Wells Fargo XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX Bank City : XXXX XXXX XXXX Bank Country : United States of America Recipient Bank State : California Description of Incident The fraud people took my money from my back. There is no record of this transaction. They were very clever. 
My husband had just committed suicide, so I was vulnerable. 
I have changed all passwords. 
Wells Fargo will not reimburse me for this amount. 
I can not seem to upload the photo of the check. 
Thank 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 2023-09-18 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: TX

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-18 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:
This Person ( XXXX XXXXXXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

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 2023-09-18 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: CA

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. 
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 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 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 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.

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 2023-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: GA

Complaint narrative:
Money Lion took {$98.00} out of my account without my authorization. Also after paying what I owe them which was {$34.00}, by mistake my banking institution sent an additional check for {$35.00} money Lion corporate office in New York New York. The account was double paid and also my banking institution confirmed that that check was received and cashed and they have proof of such an action and after numerous of calls complaints and everything I could possibly think of to retrieve my money back, no one responded and off times they would just hang up in my face. All together this institution owes me {$130.00} in which it seems like I will never receive and they are still constantly trying to pull money out of my account. Also I tried to form a credit builder with those people in which I canceled that 2 days after I started the account, but instead it was reported to my credit union and caused my score to go terribly low being that they continuously try to report this when the account was closed. Please see to this issue because apparently they will not respond to me and it is affecting my credit. The address it was sent to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account number XXXX. DOB XX/XX/. XXXX social.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I was previously with XXXX as my service provider paying ~ $ XXXX for my student loans. Then student loan payments were paused for XXXXhree+ years, and when I get an email notice that my payments are going to be resuming with my new provider, Aidvantage XXXX I login to my account and notice the monthly payment option is $ XXXX than what I was previously paying. When I emailed Aidvantage for an explanation I was not responded to within two business days as they indicated. I called a week later, waited 40+ minutes on hold to even speak with a person, and they were unable to tell me why my payments had increased. I was not on an IDR with XXXX, and they kept saying I was on Aidvantage 's " standard '' plan option. They tried to push me towards an IDR plan, which I refused because I a. probably won't qualify, and b. I shouldn't have to be on one because they adjusted my payments. I did not choose my service provider, I did not choose which " plan '' I was on with them, and was given no explanation for why my payments would have increased. I was never informed my payments would be increased, I received no new Truth In Lending Agreement, or payment schedule with Aidvantge nor did I ever agree to pay more per month for my loans. They violated UDAAP by expecting me to pay a higher amount with no explanation, and instead of doing the right thing attempted to lock me into one of their IDR plans in the hopes that I would then be ineligible for any future student loan forgiveness.

After being on the phone with Aidvantage for an hour and fifteen minutes, and being put on hold multiple times because the agent could not explain why my payments had increased, I was subsequently hung up on, with no resolution or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
ON XX/XX/2023 I MADE A MOBLE DEPOSIT OF A CERTIFIED CHECK FROM XXXX  XXXX XXXX, INTO MY BUSINESS ACCOUNT AT WELLS FARGO BANK, THIS ACCOUNT I HAVE HAD FOR YEARS. WAS TOLD THE FUNDS WOULD BE AVAILABLE ON XX/XX/2023, ONLY TO FIND OUT THEY ARE KNOW PUTTING A 10 DAY HOLD. I WAS TOLD THE MAKER OF THE CHECK REFUSED THE CHECK, SO I WENT TO XXXX  XXXX XXXX ASKED AND WAS TOLD THE FUNDS WERE RELEASED ON XX/XX/2023. THEY GAVE ME PROOF THE FUNDS WERE RELEASED, SO I WENT BACK TO WELLS FARGO AND WAS TOLD ONCE THE HOLD HAS BEEN PLACED THEY COULD'NT DO ANYTHING.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning erroneous information on my credit record. This information does not belong to me. I need this fraudulent information removed 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 2023-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
So me and my wife realize that we were paying and paying our monthly payments for our car and realize that the payment was not reducing so thats when we started asking why and how. We are over past due on what we owed, but they say we still owe way more.

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 2023-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: CA

Complaint narrative:
I signed as a lease guarantor for my grandson to rent an apartment on XX/XX/XXXX. On XX/XX/XXXX, I received a voicemail message from the leasing agent that she needed to talk to me about some issues that had experienced with my grandson but she would be sending an email with more details. I received the email along with a letter from an attorney dated XX/XX/XXXX alleging that XXXX 's behavior on the premise had violated the lease agreement. On XX/XX/XXXX, XXXX was served a 3 day notice to quit. His rent was paid thru XX/XX/XXXX, he never paid late and there was no damage to the building. I contacted the leasing office to request protocol for paying the rent for XX/XX/XXXX and requested additional time for XXXX to vacate given it was holiday season. I was told that the XXXX XXXX would not accept additional payments from me because the eviction notice had been served. XXXX returned his key and vacated the premises on XX/XX/XXXX. IQ Data reported a collection account against me in XX/XX/XXXX. I was never contacted by XXXX XXXX or IQ Data regarding an unpaid debt until after I called them. When I contacted IQ Data I was told to pay or the collection information would remain on my credit. They say if I pay, " we can make it go away. In believe that if XXXX XXXX believed that I owed any money they would have contacted me since my contact information never changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NC

Complaint narrative:
I contact chime because the company I brought my car from did not get the payments On XX/XX/2023. I have talked with dozens of representatives. I have summited photos, emails, calls, videos of the reasoning I am disputing the transactions. I keep getting denied. I have attempted to contact the investigation team to no luck. Thus is going on over 2 months of disputing and over 15+ rebuttals. My last denial was on the XX/XX/2023. I an reopening the claim as of today XX/XX/2023. My bank is chime. I want resolution to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: PA

Complaint narrative:
I applied for an IDR through studentaid.gov last month at the end of XXXX. I was told by studentaid.gov that my application was processed successfully and to expect payments around {$140.00} a month, with payments starting on XX/XX/2023. My loan provider, EdFinancial, has never corresponded with me to let me know that they received my application for IDR, and on their site there is no information to suggest that they have received or are processing my IDR request. 

On EdFinancials site all I see is that I have to pay almost {$800.00} on XX/XX/XXXX, which I can not do ( hence my need for an income-based plan and not the standard 10-year plan ). I've called Edfinancial 3 times since last week and have been given wait times exceeding 600 minutes. Twice the calls just dropped after about 3 hours.

I've left my phone number to be called back since last Thursday and have not received any calls from them. I feel very scared. I can not make these {$800.00} payments and I can not get in contact with anyone at EdFinancial. This feels like negligence and incompetence and I hope that filing a complaint here will do even the smallest of things for me and my situation. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: Premier Auto Credit
State: CA

Complaint narrative:
Account : allied collection service ( premier auto ) collection bureau of a 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 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
creditor has reported false late payments. secondly, them releasing that info is a violation of my rights anyways

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
In early XX/XX/XXXX I was a victim of identity theft. I notified the bank of fraudulent charges on my credit card account. I filled out dispute which they lost. However the Bank did close that card and issued a new one that I did not want. I did not receive the new card. The Bank closed my internet banking at the same time as closing my credit card. I asked them to make sure statements were mailed to me however I never received any statements. Unauthorized transactions in the amount of {$4800.00} were made on XX/XX/XXXX. I recently received all of this information as a judgement from the court was brought against my in the amount of {$13000.00}. I settled with the Bank for the amount of {$12000.00} however, with payments I made back in XXXX and early XXXX I should have only owed {$5000.00}. The Bank attacked me when I was dealing with XXXX treatment for my father and also my wife. I had repeatedly in early XXXX told the Bank I was not receiving my statements and even though the fraud department knew of my identity theft they did nothing to stop the fraudulent charges. I had signed up for estatements and if you do that evidently if your internet banking is closed they do not remove a code to insure statements are mailed.

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