vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
The company name is through National Credit Systems for XXXX XXXX  XXXX XXXX original creditor balance of {$9600.00} joint account opened XX/XX/XXXX last reported XX/XX/XXXX due to a dispute I mad said it met FCRA requirements still have not received no documents/information after contacting them that violates FCRA requirements, and them sending negations offers to pay bill in full at high ridiculous unrealistic amount that would take me more then 7 years to pay regardless. I contacted them various times regarding why there are charges of {$9600.00} wanting an itemized report on how they came up with this large amount of collection. This joint account was due to other non payer during Covid-19 that lost there job. The apartment were already in not good living conditions they were for XXXX XXXX next to XXXX XXXX XXXX the amount of money is unrealistic for the apartment realistically a studio I have photo still of how the apartment looked when we moved in, and many others in that complex has the same issues with ridiculous charges made fraudulently. In the small time period I lived there two new management teams were there they could not keep management. I tried contacting the office they were unresponsive and in the middle of training new management. I contacted the collections company I have never been treated so poorly before as if the stress of a XXXX XXXX with school depth with a XXXX dollar collection during Covid -19 was not stressful enough because an old roommate was not paying his bills. I tried to explain I wanted itemized documents on how they were getting that amount of money, and possible resolution I will not be able to pay that much money my self it would just have to wait 7 years to get dropped off. I know there was a Covid-19 relief to pay renters who were unable to live there XXXX cash to move out immediately because they did not want people not being able to get evicted. They transferred me to multiple representative all harsh, and still couldn't give me information said I just had to pay it. I ask them its my right to have documentation why I owe that much money they hung up on me I called back tried to make a complaint they transferred me to the management and supervisor line went straight to voicemail I left 5 plus voicemails never got back to me. I was so upset I cried and left it alone this has been ruining my credit, and I don't have a lot of depth I'm in XXXX XXXX  struggling. Due to this my chances of renting on my own will be impossible. This company wont respond or give me information of the documents I asked for the charges are insane for those apartments there trying to exploit us on extra outrageous fees. I have seen the company 's reviews I'm clearly not the only person having this issue they have many many complaints. I have had a collection before where it was easy and handled professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Upon reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX XXXX and LVN funding llc has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc.
State: NJ

Complaint narrative:
My dog was taken to XXXX they told me the dog needs this done an that I personally told them once they told me total I didnt have the money an that I would just leave with my dog. They then came out said my dog was under XXXX XXXX an I stated again I cant provide that type money came back out said the dog had died. An now Im receiving rude phone calls an bills in the mail of medical bills. I dont have!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
FNBO has been in the process of updating software for many months ( 6+ ). Two different web pages and one account can be accessed on line. Information on one page does not get translated to portray accurate info on " new '' software page. Payments are limited and current XXXX scores are not avaible on " new '' software page. Balance tranfers are held up or denied on " new '' software web page. 
Today, XXXX, 2023 I found out balance transfer scheduled on XX/XX/2023 was denied. Payment I had scheduled on XX/XX/2023 was denied. 
FNBO uses the excuse : " credit card is locked ''. However that must be a new rule because there have been many times in last two years when my payments have been processed and card was locked.

I have been doing business with FNBO 15 + years. 
XXXX credit score over 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 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MO

Complaint narrative:
This account ( I.C. SYSTEM, INC ) XXXX XXXX XXXX XXXX XXXX, MN XXXX account # XXXX was placed on my credit report XX/XX/2023 with a negative balance of {$14000.00}. I do not recognize the account nor do I recognize the account number. I would like this account removed form my credit report.

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 2023-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My property taxes were paid in full by my mortgage servicer, Newrez LLC, through my escrow. However, the tax amount for Tax Year XXXX and Tax Year XXXX were incorrect. I have fixed this issue with my XXXX XXXX office by completing a Pay By Legal Description and was given new tax bills for both years. I had sent over a copy of my corrected property tax bills to my mortgage servicer for review to adjust and refund funds back to my escrow account. I still have not receive a response or resolution. I have been overpaying for the month of XXXX and XXXX in the amount of {$5900.00} due to the increase of funds in my escrow, which is added on to my monthly payment. Newrez had paid {$18000.00} for tax year XXXX 2nd installment and {$12000.00} for tax year XXXX 1st installment. These are incorrect amounts, and I need them to refund the difference back to my account. I need this to be resolved as soon as possible as it making me very difficult to pay my monthly payment for amounts that are not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
I changed home owners insurance XX/XX/2023. PHH is my mortgage company. They increased my monthly payment from {$760.00} to {$1000.00} without notifying me. I called PHH and asked why?. Their response was they decided reevaluate the Escrow Account based on Home insurance estimated to be {$4700.00} annually. My new policy with XXXX XXXX is {$2400.00} annually. They said they would do a reevaluation and get back to me. They did not contact me. I called several times to follow up. 

At the end of a call a request by the PHH company requested I comment on their service. 
I completed the request and ended with " I could not recommend anyone to do business with PHH mortgage based on my experience. As a result of my submitting my complaint I received an email from PHH apologizing and saying I would be contacted by another member of their team ' No contact yet. 

I have made 3 payments of {$1000.00} commencing in XX/XX/2023 I sent checks of {$680.00} and {$1700.00} escrow money from previous home owners insurance company. 
My loan number with PHH is. XXXX I believe this company has decided to increase my mortgage payment to increase profit. 

I am on Social Security. It is my only income. my budget will not support an increase in my mortgage payments. 
My original contact with PHH was very unpleasant. the man I spoke to had a very heavy accent and was difficult to understand. He did nothing to help me understand why the increase. He asked if i would like to pay {$4700.00} new escrow requires, I asked for his name and he gave me a code which i have misplaced. I am not tech savy and require patience. this man was rude and patronizing. 

Earliet this past week i called again and spoke to a very nice lady ; She said the reevaluation had been done and my payment would {$850.00} monthly. I can not handle this increase. Help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: January Technologies, Inc
State: TN

Complaint narrative:
Ok. So this original creditor was XXXX, I looked at the program and due to my health limitations, I seen it wasn't going to work for me. I have XXXX, and I have XXXX limitations. I emailed them, they wouldn't come up with a compromise, so now it is in collections with the company January. I have sent several messages to them about disputing and they say its a valid bill. I have deleted everything once XXXX would not work with me. I haven't received nothing in the mail. Until I started going through some of my email.. I have a lot. I can't get to. A-lot of junk email. And On top Of that, On XX/XX/XXXX I will be out of work for XXXX month due to XXXX. I have a lot of things I am trying to get done. I am living paycheck to paycheck. Like I said, I don't believe I should pay XXXX for a program never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Upon reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX, Trans union and XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Upon reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX, XXXX XXXX and Equifax has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Due to my XXXX, my Dept.of Education loan has been discharged. The account is still showing a balance. I would like to have this account removed immediately from my credit report.

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 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy Federal credit Union keeps overcharging me with all these late fees and return check notification monies when I bought a XXXX XXXX on the XXXXXXXX XXXX XXXXXXXX I used my debit card for the down payment in the sum of {$1300.00} it came right out of my bank account on the XXXXXXXX XXXX XXXX and then all of a sudden on the XXXXXXXX XXXX XXXXXXXX I see that they said I took it out on the XXXXXXXX XXXX XXXXXXXX and I didn't have enough money in my account so they charged me {$29.00} two times and a {$20.00} late fee and I called them and they said oh well we hold your money for 3 days so you can't spend any money out of your account for 3 days I've never heard such a thing before and this is not the first time this has happened with Navy Federal credit Union with me and I know for a fact there's other people that are having the same problem it's all over the Internet about Navy Federal credit Union I wish somebody could help me with this problem they keep stealing my money charging me all these late fees and they just say you are too bad

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had a TJX rewards credit card for several years. I closed the account I had a certificate balance which was revoked In violation of their disclosure. It is published and understood that points earned toward certificates would be lost but I was told that I would retain my certificates. The value is about {$220.00}. I have tried to resolve this with the company to no avail.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OHIO DEPT OF HUMAN SERVICES : # 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Ive been working so hard on repairing my credit for over 3 years and finally have good credit. Today on XX/XX/ my score dropped XXXX points because I paid my mortgage on time. This has happen before and I need to find out why are they trying to ruin my credit

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I had a loan for a car from Santander consumer. 
The car was in a accident and the insurance company decision was that the car was a total lost. The insurance payed the car off however, on my credit report its reflecting late payments which never occurred. I am requesting this account be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/2023 53rd bank They closed my account at {$490000.00} when I deposited {$9300.00} on XX/XX/XXXX. And when ask why they told me it's because it's what they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
By this means I resort to the help of your agency to solve what to my best understanding the credit agency Expirian to erroneous in my credit report. In my credit report there are several accounts which are XXXX  years old and continue to affect my credit and affect my quality of life and good living in union with my family. These accounts are as follows : XXXX, XXXX XXXX, XXXX where they are closed. 
Expanding this request I inform you that for the date of XX/XX/XXXX my car was repossessed by the XXXX XXXX that this vehicle was never recovered by me. In XX/XX/XXXX the car changed the code to XXXX which stands for Change Of. In XX/XX/XXXX until XX/XX/XXXX it had a code of N-D that means, No data for this period. In XX/XX/XXXX until XX/XX/XXXX I had a XXXX / XXXX code. That the XXXX car was repossessed by the XXXX XXXX in XX/XX/XXXX, that said company disposed of the car and processed it from that date under its responsibility. That all those retracted arrears and code changes were not under my control. Apparently that account was acquired by a second person and the Expirian credit agency seeing their code could not amend their errors where it affects me.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent certified letters to Transunion, XXXX, and XXXX that I have accounts that are not accurate. I have been told the account was updated. When viewing the acct it is not accurate still. each bureau has different reporting information. Company santander is reporting a charged off acct as late payment how is there payments due on charged off acct. I have sent documentation to XXXX and communicated with transunion via phone. I have requested old addresses be removed from report due to identity theft also but that have not been completed. They are reporting c/o on an acct as if it is brand new it has already been charged off as bad debt in XXXX. It is not charged off every month. Company took payment on charged off account after sending me a earned income statement. The bureaus will not report accurate information on my report. I just desire have accurate reporting information on my reports.

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 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: OH

Complaint narrative:
Direct Express is horrible!! I have been paying my rent for yrs and now the card wont go through on the site, I have money on there but it wont go through. It wont let me order on XXXX!!! And it doesnt do everyone like this and every month its different its completely horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please consider this as my formal complaint to the EXPERIAN for allowing the fraudulent inquiries and for not taking corrections on my credit report. I sent out my dispute letter dated XX/XX/2023, with the identity theft report number XXXX. They also allowed the fraudulent accounts to be reported in my credit file with the identity theft number XXXX. As I checked my credit report these are unauthorized hard inquiries and fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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